vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXX XXXX Date of inquiry XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
I was unable to find the selection I need as this is in reference to a Text message. It is my understanding that Debt Collector 's must include a way to opt out of texts when they message you, however, there was nothing listed in the message. They already call me many many times a week, i do not wish to receive texts from them as well. I have attached a copy of the text for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I've contacted the 3 major credit bureaus on several occasions informing them that the personal information that they are reported on my credit report is incorrect and inaccurate. I have yet to receive any response or see any change and/or update to my credit file

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX {$8100.00} XXXX XXXXXXXX {$49.00} ( Original Creditor : XXXX XXXX ) XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I am not an attorney or third party rep. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am questing some accommodations so I care to protect the integrity of my credit file. 
CREDIT ACCEPTANCE CORPORATION # XXXX account is reporting 30,60 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have file compliant with Consumer Financial Protection Bureau before and the issues still have not be taken care of. Now I am getting denied credit for an auto loan because XXXX XXXX is still showing on my credit reports as an owe debt when it was filed in my XXXX XXXX case. 
I have sent you and the credit bureau copies of my filing and the credit bureau is still reporting it as I owe {$27000.00}. 
I want it corrected ASAP and removed at once or I will seek legal help and go back to the court and report it to them.

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have file compliant with Consumer Financial Protection Bureau before and the issues still have not be taken care of. Now I am getting denied credit for an auto loan because XXXX XXXX is still showing on my credit reports as an owe debt when it was filed in my Chapter XXXX case. 
I have sent you and the credit bureau copies of my filing and the credit bureau is still reporting it as I owe {$27000.00}. 
I want it corrected ASAP and removed at once or I will seek legal help and go back to the court and report it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX XXXX XXXX ( CONSUMER ) did not consent to, authorize nor benefit from any of the following inquiries which is identity theft, Block and remove them immediately

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have an old account on my credit report showing inaccurately from XXXXXXXX  the account was closed and paid as agreed it would be removed of my credit report once I paid the account they closed the card and put charge off on my credit report however this account is statute of limitations and should be removed it is over 7 year any way please help in this matter

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have an old account on my credit report showing inaccurately from XXXX  the account was closed and paid as agreed it would be removed of my credit report once I paid the account they closed the card and put charge off on my credit report however this account is statute of limitations and should be removed it is over 7 year any way please help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received my credit report and i have tried to dispute with an account with LVNV FUNDING.  I have noticed there are multiple inaccuracies on this account between XXXX XXXX XXXX. I have sent a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA on XX/XX/2021 It has been more than 30 days and i have not received a letter back, Heard from LVNV FUNDING LLC Nor received any of the following below from this debt collector : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. I have also asked to Please provide the name and address of the bonding agent for LVNV FUNDING LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. I AM DEMANDING THIS ACCOUNT BE REMOVED FROM MY CREDIT ACCOUNT IN THE NEXT 10 DAYS OR I WILL BE SEEKING LEGAL ACTION I HAVE ATTACHED MY POLICE REPORT I THIS COMPLAINT AS REQUESTED BY LVNV FUNDING LLC!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Credit Plus Inc
State: OH

Complaint narrative:
they called multiple times within a few days and left this message from multiple different numbers from different states with the same voicemail- sometime changing the name to XXXX XXXX Hey it's XXXX XXXX XXXX XXXX and I'm just following back up with your online request for getting some financial help and I was able to get you an approval that I think you're gon na like so just go ahead and call me back so I can give you the details just know that the program does have limited openings and is on a first come first serve basis so just call back soon to finalize the details my number is XXXX and anyone can help you out just in case I'm busy with someone hope this helps you out and we'll talk soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened my checking account at US Bank, but the initial opening deposit of {$25.00} was unsuccessful. Before account was frozen, I also deposited {$25000.00} into the account. However, US bank froze my account, so I was no longer able to access my money in the account, transfer money out or close the account. 

US bank simply took away my $ XXXX and walked away. I've spent almost 20 hours trying to going to different bank branches in person, talking with bankers and branch managers, emailing and calling customer services, but nobody really helped. Everyone just said they were not able to do anything, please reach out to someone else. 
I was even told that my account was in the automatic process of being closed, account would be completely closed on XX/XX/XXXX with the $ XXXX balance mailed to me by check. However, nothing happened and the account is still Open and Frozen. 

It has been the worst worst worst bank experience I have ever had. None of the local branch, bankers, branch managers, customer services representatives helped me, the only thing they could do is to ask me to reach out to someone else. Now my money of $ XXXX is frozen in the account, and nobody is able to close my account and get my money back. 
US Bank is cheating customers by lying to customers that account was already being closed, also cheating customers by forfeiting customers ' funds which are in urgent need to use. 

I need this money in the account super urgently because I need it in hour purchase. If US Bank is delaying my house purchase in the hot market, please compensate for all my loss. 

WORST bank ever!!!!

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX {$7600.00} XXXX XXXX XXXX {$21000.00} XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Citizens One Bank is in violation of the Cares ACT Forebearance by not letting me taking advantage of it. There are 18 months to use under this act. This bank is stating that I have been in forebearance for 17 months which is not true. I had a forebearance for 2 months last year which was paid in full and my account was taken out of forebearance. I requested another forbearance this year in XXXX up until now ( 4 months ) and they tell me my account has been in forebearance which is not true ; It has only been in for 6 months. They told me I only have one month left to do a forebearance. I did not request a 17 month forebearance and had no knowledge while I had been previously paying my bill before this second forbearance. They are violating the CARES ACT by continuously running a forebearance on my account I was not aware of. They will not correct it and allow me to take advantage of the CARES ACT. 

This bank is also reporting false information on my account that it is delinquent today. They wont answer the phone to take my call when I am trying to get my account fixed. The supervisor hung the phone up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have an old account on my credit report showing inaccurately from target the account was closed and paid as agreed it would be removed of my credit report once I paid the account they closed the card and put charge off on my credit report however this account is statute of limitations and should be removed it is over 7 year any way please help in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This account is not mine and was established fraudulently. This information was provided to the original creditor. A police report was filed, and this matter was previously disputed. The account was previously removed, however for some reason, they keep reporting this inaccurately to the credit bureaus.

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 2021-11-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Quick Debt Services LLC
State: FL

Complaint narrative:
Back in XX/XX/2020 I received a call from a XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX He asked if I was struggling to make my payments because of XXXX XXXX and I answered Yes. He claimed to be able to Modify my home loans with the same term and reduced rate of 2 %. He asked me to make three checks {$830.00} each for XXXX, XXXX, XXXX made out to Document Center. He told me not to make the mortgage payments until modification was complete. I found out that they were not doing anything and I had to contact the mortgage to get the modification completed. XXXX XXXX claimed that once the modification was completed I would receive the three payments back from government subsidies. That never happened and he refused to take my calls. He had his assistant XXXX XXXX call me but she didn't have any answers as to why I never got a reduced rate, why the term was extended to XXXX years instead of the remaining XXXX years and she had no idea about the government subsidies to reimburse the first three payment made to Document Center. The phone number that I have for XXXX XXXX is XXXX. The number I have for XXXX XXXX is XXXX & XXXX all of which go to voice mails I think all are cell phones. The email I have is www.modcenter.org and XXXX What has hurt the most is that my credit went from XXXX to XXXX because they never did any modification and the mortgage companies reported me as being late XXXX days. XXXX claimed that they would let the credit companies know that I was going through financial hardship and my credit would not be affected. They never did and my credit was hit. Because my credit is so low now I can't even refinance. The checks were deposited to Document Service Center account # XXXX They did two loans for Bank XXXX XXXX and two loans for XXXX XXXX which they ruined in the end. I was tricked and taken advantage of.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed several disputes with Transunion over the past few months, but the results were not made available to me. I was unable to pull them up on their website. I called in to the service center and I was told they would be sent to me via usps. It has been 5 months and I still do not have them. 
I also requested information TransUnion takes to verify information when a consumer files a dispute. I have asked this several times and I'm never given an answer. I have one company in particular who on several occassions has put a collection on my account but refuses to send me any documents regrading it. These only show up on my TU report. There have been THOUSANDS of complaints across the US from consumers with the same exact issues. 
As a consumer I have a right to know what is in my file. After submitting a complaint last week my online account through them has been blocked. 
TransUnion is literally holding my financial abilities XXXX.

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 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account BARCLAYS BANK DELAWARE is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
BRCLYSBANKDE ***** Opened Date XX/XX/2017 Balance {$0.00} // Charge Off

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