vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-12 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: MD

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2022 regarding inaccurate accounts on my report. 
I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit reportXXXX PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr. Cooper should not be handling people 's money!!! 
They are careless and their negligence is unacceptable. 
They have consumed my clean mortgage about 4 years ago with NO escrow which had more than 25 % equity but they have ignored the fact and kept sending property tax payment to my county ( not city and not insurance ) in spite of the fact that I have contact them sooooo many times and in writing and escalating the matter with the Executive Resolution Team, XXXX XXXX XXXX and with XXXX XXXX at Loss Mitigation ; I spent hours and days of my busy schedule and my busy work time and nothing, absolutely nothing has been corrected. This issue has caused my account to go under but they keep sending unnecessary payments on my behalf and the county keep sending the check back to them but they still report me to the credit bureaus with late payments, missing payments and now my account is big time upside-down. 
I have now learned that my excellent credit score dropped in XXXX points due to this reporting which hurts my financial badly working on other transactions. 
Currently, my equity is about $ 75 %. 
On top of that, I have been adding $ XXXX to each monthly payment for the last 4 years which should be showing credit of about {$12000.00} on my account- so how could my account be upside-down!!! 
I would like to ask for ALL my money back and to have my account straight showing all my credits. 
I would like to have a specific and a responsible person to handle this case to the fullest.

I can not afford to waste anymore time and money over this ridiculous non-sense.

Six documents attached. 

I would appreciate your HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FRAUDLENT INQUIRES WHERE MADE ON MY CREDIT REPORT! 
I HAVE PUT A FRAUD ALERT ON MY CREDIT REPORT! A POLICE REPORT WAS FILED DUE TO FRAUD TRYING TO BE COMMITTED. 


INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XX/XX/2022 & XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX & XXXX 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 2022-02-12 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: NY

Complaint narrative:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

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 2022-02-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

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 2022-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
When going to purchase a product on the XXXX XXXX XXXX ( both in the XXXX  web browser and their XXXX XXXX XXXX XXXX the option to checkout with monthly installments was unable to be found. This is a well advertised feature for the Apple Card, allowing you to do monthly installments for purchases of XXXX XXXX products, but when checking out with Apple Pay or by going through a regular checkout process in the XXXX  page and the XXXX XXXX XXXX, the only option available was to pay in full. Their own website states all you have to do is click the pay in monthly installments button and youre good to go, but that is not true as it was nowhere to be found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12 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: TN

Complaint narrative:
I have been dealing with a company reporting on my equifax credit report which has already been deleted last XXXX for failure to validate however equifax has allowed them to continue to keep reporting even after deletion even doing so without proper notice per us code1681i I have asked on numerous occasions to mail me documents pertaining to this deletion for confirmation and for my records and I have not received such. And it has been over 60 days on when calling they force to sit on hold in hopes to get you to use the faulty online dispute system the company name in question is credit acceptance reporting Us code 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-12 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I went through my credit report and saw that a collection was added to my report and continues to grow currently. I didnt open this account and it shows that it is currently open. The name of the collection company is AWA COLLECTIONS and they are collecting for a company named XXXX XXXX and the debt amount is currently for {$420.00}. The account was opened on XX/XX/2019 and shows that its currently opened even though it was placed for collection. I want this debt collection removed from my credit report because I dont recognize it and am not associated with it. Im providing a picture of the collection that is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 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 non-monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: GA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. 

LENDING CLUB CORP XXXX LENDING CLUB CORP XXXX I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are claiming this fraudulent account is mine. I have never had any goods or services with them or them they are knowingly and willingly reporting this fraud. They are also aware that my banking account was comprised and it was close due to fraud. They have caused me great damage and embarrassment also with emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX

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 2022-02-12 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: GA

Complaint narrative:
I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are claiming this fraudulent account is mine. I have never had any goods or services with them or them they are knowingly and willingly reporting this fraud. They are also aware that my banking account was comprised and it was close due to fraud. They have caused me great damage and embarrassment also with emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted Transunion for the past four ( 4 ) years when I found out about a chapter filed XX/XX/2017 and dismissed XX/XX/2017. I have sent ID numerous letters, and documents ( that were accepted by the two ( 2 ) other bureaus, but Transunion only make a call and does not follow the FCRA rules when it comes to address and year of birth. Initially they stated the information was provided by XXXX and when I provided proof that XXXX no longer reported the information and found it in error. When that information was provided to Transunion they resorted to only making a call to another third party but has never provided me with proof that the address and year of birth of that account matches my record, because it DOESNT and should be removed per the FCRA

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 2022-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I received a debt collection from this company. On my credit report it shows the original creditor as XXXX. I never received a final bill from XXXX and traded my phones in so Im not sure what the amount owed is for. I attempted to contact the debt collector by mail with an offer letter to pay to delete, I dont want this on my credit because I plan to purchase a house soon this year. I sent the letter certified on XX/XX/2021 the letter was received and signed for but I never received any response back, its been over 30 days and still no response from the debt collector. 

I called XXXX the original creditor to get more information but the representative did not have any information to provide, was told to reach out to the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: American Coradius International LLC
State: WA

Complaint narrative:
I have received what I believe is a fraud - phishing letter in the US Mail, impersonating American Coradius International LLC. 

The letter states that I owe XXXX {$8.00} and that they are a collection agency that I now ow {$45.00}. 

I do have a XXXX account, but I do not owe any money and my account is in good standing. 

XXXX

Company response to consumer: Closed with explanation