vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Attention to Equifax. I am a victim of Identity theft. There is a fraudulent collection account that is reporting on my credit report that I need removed expeditiously. I filed an Identity theft report with the federal trade commission which I will upload along with proof of my Identity. I am in the process of renting a property and this has tanked my credit score. It is a defamation of my character. I am urging you to please help me resolve this manner. In order to qualify for a block, Appropriate proof of my Identity which is uploaded. A copy of an identity theft report which is also uploaded. The identification of such information by the consumer which is on the identity theft report. This collection account is not information relating to any transaction of mine. Under section 15 usc 1681c-2, you are required to comply with my request to remove the fraudulent account from my report within 4 days of you receiving my complaint. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have provided all the proof required for the block. Please remove this account ASAP or you're in violation of Federal Law. Thank You for your understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC
State: CA

Complaint narrative:
In 2013 I modified my home. Im attempting to refinance my phone and requested a pay off amount from HUD and Movad their services. There are 2 liens but one is erroneous. I cant complete my refi and HUD/Novad is only sending me one payoff amount and not addressing the other one. The amount is {$39000.00}. But there is another lien amount for XXXX. This is causing financial and emotional hardship. I have been addressing this with them since XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Its been overXX/XX/21 and no sign of investigation and no information given. I sent Experian certified tracking regarding accounts that I do not recognize or recall. Accounts misleading and I never entered in any contracts with these companies. Moreover, per 15 USC 1692 laws, I was never notified within 5 days nor did the companies provide information or I give permission to these accounts on my credit report. FTC Report Filed see attached. Multiple Federal Violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: NM

Complaint narrative:
XX/XX/2021 I live in New Mexico. I am a victim of ID Fraud. Someone has used my information to start an unemployment benefits claim. I have notified my state, and the EppiCard arrived at my home on XX/XX/2021. I am trying to call them, inform them of the fraud and close the account but there is only an automated system that does not have an option for reporting fraud or to speak to a live person. ( Terrible System!! ) I need to make sure a replacement card is not ordered, as I do not know if there are multiple claims in my name or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi, ht Experian credit report number XXXX Please help! 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It's been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 months nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. FTC XXXX  Filed, see attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sensible Auto Lending, LLC
State: MA

Complaint narrative:
After numerous letters mailed, emailing the CEO of the company as well as speaking with a number of customer service reps, trying to get inaccurate information deleted and or updated on my Sensible Auto Lending account, Per FCRA I have the right to request that the account be UPDATED IMMEDIATELY or I can sue said company for No response and false reporting. Universal data on all 3 credit bureaus fail to show accurate information. 
XXXX and XXXX date reported states XX/XX/21, mean while XXXX date reported states XX/XX/21. XXXX date of last payment states XX/XX/21, meanwhile XXXX XXXX XXXX date of last payment states XX/XX/21. 
XXXX states a balance of {$9200.00}, while XXXX and XXXX balance states {$8600.00}. While my actual loan balance on the Sensible Auto Lending payment portal states {$8500.00}. XXXX states I have 3, 60 day late payments and XXXX XXXX XXXX states 3, 30 day late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
This debt has been sent to Phoenix Financial Service from XXXX XXXX. I previously reported this fraudulent charge from XXXX XXXX  when the submitted to Resolve. They have now let it be submitted to another collections company. The stated from my prior complaint that they would absolve this debt and issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
This medical debt collector is charging me XXXX from XX/XX/XXXX which I have no idea where this company is from. I havent gone to a doctors appointment since XXXX therefore I have no idea where this amount is coming from. I have never left the state

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
MidXXXX XXXX SunTrust/Truist decided to close my account, due to my XXXX XXXX XXXX son attempting to deposit a bad check ( he was catfished ). It did not seem fair to close the accounts of my wife, XXXX XXXX XXXX son and myself due to his error, but that was Truist 's decision that i appealed to regional management to no avail. I was not allowed to speak to the actual fraud team making the decision which was very disappointing as a 10+ year customer with over {$20000.00} in the bank. 

The bigger complaint is that from the time they told me it was closed ( which was pretty immediate upon the attempted deposit ) until the time they sent me a check with my circa {$25000.00} has been 3 weeks and counting. And i immediately lost online access to see what my balances were and to see recent statements / transaction. I called and escalated calls to both general service and fraud 3-4 times but in each case i was told the account was being closed but i would not get a check until their investigation was concluded. AND i was not allowed to communicate with the investigating team as they don't talk to the outside world! 

For them to hold what could have been all my money for 3-4 weeks is just unfair and feels illegal. They caught the bad check ( which was for {$3500.00} ) and there were no other pending transactionss, so there no logic for them to hold my $ XXXX for a month. That is just robbery, as it is my money!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Recovery Services
State: IN

Complaint narrative:
Around XX/XX/2021 I called market apartments where I originally owed a {$630.00} unpaid that for my last rent payment. I spoke with the lady there and she stated that she can not find me in the system because the debt was already written off. I asked her if she can email me some thing that stayed at that saying that the debt has been written off.She said because the debt was so old and it was under the old management company that she could not. I then called the debt collection company regional recovery and let them know that the debt the debt been written off. I asked them to they provide me with the original company that I ordered that too and they could not. I have tried to dispute this on XXXX with no success. I do not believe I owe this Debt because it has already been written off by the old company and they are nowhere to be found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The agency is inaccurately reporting two 30+ day late payments for the months of XXXX and XXXX of XXXX. The due date for this loan is the XXXX of each month. I have attached receipts showing that the XXXX payment was made on XX/XX/2020 and the XXXX payment was made on XX/XX/2020. Additionally, I have an email from the credit union responsible for this loan that clearly states the months prior to XXXX and XXXX were current. 

I have disputed this information with Experian and they refused to make changes to my credit report. They suggested I dispute again with supporting documentation, but provide no means to add supporting documentation. The documentation showing the above is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Refinance XXXX with Bank of America. I didn't XXXX my house was only XXXX at the time. I received XXXX. My address was changed with the postal service without my knowledge. Have letter from postal service for identity theft. My loan is at XXXX. I didn't receive that money. I been having identity thief for over 20 years. Didn't know how serious it was. Was t paying g attention. XXXX  my only daughter XXXX In XXXX my mortgage was XXXX still have coupon book

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) stating they will remove the account off of my credit report within 60 days, and as of today, Equifax is refusing to remove that false and misleading information off of my credit report so Im writing this letter to file a complaint against Equifax who has repeatedly violated 15 U.S. Code 1692 g. Equifax has also violated 15 U. S. Code 1681c by failing to provide the consumer with the original wet ink signature of the alleged contract I signed with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX  and XXXX  cooperated and removed that false and misleading account off of my credit report, I need Equifax to do their job and remove this account off of my credit report because its been well over 60 days for them to update my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It's been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 months nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. FTC XXXX Filed, see attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 8 accounts on my credit report that do not belong to me I have not applied signed or authorized these accounts I need them off my credit report asap!!! 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XX/XX/2021 at XXXX tried to access ATM at XXXX XXXX XXXX In XXXX CA. After downloading XXXX app for access I tapped on ATM system prompt. Immediately Error popped up stated sorry, this feature doesn't work right now. 

Called phone CSR at XXXX XXXX  same day and took 16 minutes to Get rep. Rep was stating I had to be at location? I gave address and filed complaint to be noted. 

Why can I not access ATM without card? This change is only since XX/XX/2021. This is not accessible banking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XXXX XX/XX/XXXX, we noticed some incorrect information on our credit reports and opened a dispute with all three bureaus concerning the wrong information. We had a XXXX  XXXX bankruptcy back in XXXX in which the financial institution, although listed in the bankruptcy, their loan was secured as a creditor. On our credit reports, this account is listed as closed, with no payments due, and no payment history. We have received a statement each month from the financial institution, paid the payments as agreed on the establishing contract and have never been late. We would like the credit reports to actually reflect the true status of the account, i.e. still open, paid on time, and truthful history of payment. It seems that the financial institution considers itself except from reporting truthful information, because it was merely named as a creditor on the bankruptcy. This is unfair to the consumer who has paid faithfully. If there is no balance as shown on my credit report, then why am I still getting statements and paying?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation