vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus 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. 

LVNV FUNDING LLC XXXX Balance {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I sent a {$15000.00} XXXX check to my US checking account, Pentagon Federal Credit Union, with the required special international form on XX/XX/2021. It was sent registered and signed for on XX/XX/2021 at XXXX. The funds have yet to be deposited into my account. I have called numerous times, and have been told the funds need to go to a 3rd party, XXXX XXXX, and it could take 4 to 6 weeks. My XXXX account informed me the check was cashed XX/XX/XXXX, but as of today, the funds have not been deposited into my checking account. I have no clue where my money is, and who is collecting interest on my funds.

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 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account 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 and XXXX Credit Bureaus 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.

WAKEFIELD AND ASSOCI XXXX  Balance {$500.00} ; WAKEFIELD AND ASSOCI XXXX  Balance {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with 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.

SOUTHWEST CREDIT SYS XXXX Balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on ENHANCED RECOVERY COMPAN. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : ENHANCED RECOVERY COMPAN XXXX Balance {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Attention : Research and Response Department I am writing this letter in regards to a Negative Credit Reporting annotation that occurred on my credit report on the month of XX/XX/XXXX ( See attached Credit Reports from XXXX, XXXX, and XXXX ) ; that I would appreciate your reconsideration and correction. 

As you can see on my payment history, I was able to bring my account current by the month of XX/XX/XXXX. I was entered into the Forbearance program offered by Mr. Cooper in XX/XX/XXXX, and I continued to be in forbearance thru XX/XX/XXXX when my financial situation changed, I called in to ask for the removal of the forbearance program ending in XX/XX/XXXX. Thus, I made all my forbearance payments and my 1st regular payment for XX/XX/XXXX on XX/XX/XXXX. 

Therefore, I do not understand why any XXXX XXXX XXXX would have been reflected on my credit during XX/XX/XXXX and was reported on XX/XX/XXXX to all credit bureaus, since during the Forbearance program I was protected from any Negative Credit Reporting. Also, I would like to reinstate that I have recovered from my previous financial situation, and it can be recognized and accounted for now that I have completely paid for all the months that were in arrears during the forbearance period including my first out of forbearance payment for the month of XX/XX/XXXX. In addition, I am processing my XX/XX/XXXX payment today online and I am attaching proof for your review. 

I would sincerely hope that there is redemption at Mr. Cooper, and I am asking for such consideration and correction in my payment history and credit reporting for my account with you and concurrently with all the credit bureaus. 

As you would agree, it is imperative that my credit reflects a good standing with Mr. Cooper as well as with my other creditors and I hope this oversight that was done by Mr. Cooper in making this late payment reporting can be remediated as soon as possible. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ

Complaint narrative:
I sent a XXXX payment it didnt work so the banker over the phone asked me to try it several times after the fact after they made attempts to fix the issue. This put a fraud measure on my account and Ive been over a year unable to access the lousy XXXX dollars in my account. I want to close it and retrieve the funds my address is no longer the one they have on file as I have moved. They are unreasonable in the sense that theyre demanding me travel more than 9 hours to a beach to show my ID in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: AFNI INC.
State: TX

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: FL

Complaint narrative:
Equifax continues to report inaccurate information on my credit file. There is a address that they have deleted 3 times and continue to put this address back on my credit file. I have had the same address for 32 years which is XXXX XXXX XXXX XXXX FL XXXX. Per the FCRA you are in violation by continuing to put inaccurate information back on my credit file that was previously deleted. You also have several accounts that list included in bankruptcy XXXX and there is no bankruptcy on file. Remove all of these inaccurate accounts listed below immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERV XXXX XXXX - CARD SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also this below account is not mine. I have contacted power financial and they have no record for me in there system and this account number is unknown. Please delete this fraudulent account as my information was comprised in the Equifax data breach. 

XXXX XXXX XXXX I have attached the dispute results that i received directly from Equifax showing the incorrect address was deleted and all these accounts in question state included in bankruptcy XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I notified XXXX of XXXX XXXX of how they violated my consumer rights by unauthorized use of my credit card via USPS tracking number XXXX. I gave no person permissible purpose to use my credit card to obtain a copy of my consumer report. The company is willfully and knowingly reporting false and misleading information to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: NY

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted a number of complaints here but I have been holding off on my complaints against the credit reporting cartel for some time now, simply because I dont even know where to begin.. 

Experian, XXXX, XXXX and their executive branch, the XXXX XXXX XXXX XXXX, which allows them to skirt anti-trust and monopoly laws by calling itself an advocacy group and not the steering committee of an industry cartel, which is exactly what they are - a criminal cartel. 

How XXXX  XXXX is this industry allowed to continue operating??? They lose half the countrys PRIVATE personal data which we never consented to their having and selling, at least knowingly, and then when it is not accurate they make it IMPOSSIBLE to get them to correct it through any means- so your score goes down and the amount of work it would take to get it removed is more than reasonably plausible when co considering that efforts must be repeated at least three or four times across the three plus CRAs. 

This is an extortionate business by design and they stole their boost credit idea from smaller companies who were doing the same thing except not just as a disingenuous PR campaign. 

WHERE ARE THE CLASS ACTION CHECKS?! The gift of free credit monitoring, now expired, was frankly insulting, The damages awarded were pathetically inept compared to the scale of the crime and even that paltry obligation was not honored by Experian. Or XXXX. 

I was impacted by both data breaches and have received nothing from either company except more abuse and defamation based on faulty data and a total lack of oversight or accountability. 

So my credit then being sub-prime -.I had to ask a LOT of different lenders for credit to find anyone who would work with me, resulting in a massive number of hard inquiries on my report, further lowering my credit score. 

Then, the CRAs refuse to investigate or remove even those inquiries you didnt authorize, even upon the receipt of a certified letter demanding such investigation. They straight up refuse to obey the law and make no effort to avoid destroying peoples lives whatsoever. 

This criminal cartel must be SHUT DOWN!!

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 2021-11-15 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: GA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXi 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 accounts reporting on my Credit Report and need to remove from reporting : XXXXXXXX XXXX-Balance {$970.00} XXXX  XXXX-Balance {$300.00} XXXX XXXXXXXX-Balance {$73.00} XXXX XXXX-Balance {$280.00} XXXX XXXX-Balance {$300.00} XXXX XXXX-Balance {$250.00} XXXX XXXX-Balance {$360.00} XXXX XXXX-Balance {$620.00} XXXX XXXX-Balance {$1100.00} XXXX XXXX {$21000.00} XXXX XXXX-XXXX-Balance {$1200.00} XXXX-Balance {$680.00} XXXXBalance {$230.00} XXXXBalance {$70.00} XXXXBalance {$1900.00} XXXX-Balance {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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:
On XX/XX/XXXX I sent a dispute to Equifax about the following accounts : XXXX CARD ( Date Opened XXXX XXXX, XXXX, Credit limit {$7100.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX  XXXX ( Date Open XXXX. XXXX, XXXX, Credit limit {$1800.00} ), XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Credit limit {$3800.00} ) and XXXX CARD ( Date Opened XXXX. XXXX, XXXX, Credit limit {$10000.00} ). It's been over 5 months since I send the disputes and till this day Equifax have not respond as they are obligated by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: NY

Complaint narrative:
On XX/XX/XXXX I sent a dispute to TransUnion about the following accounts : XXXX CARD ( Date Opened XXXX XXXX, XXXX, Credit limit {$7100.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXX ( Date XXXX, Credit limit {$1800.00} ), and XXXX CARD ( Date Opened XXXX. XXXX, XXXX, Credit limit {$10000.00} ). It's been over 5 months since I send the disputes and till this day TransUnion have not respond as they are obligated by Federal Law. Attached is the dispute I sent to TransUnion on XX/XX/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 2021-11-15 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: GA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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:
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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has 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 accounts reporting on my Credit Report and need to update from reporting. 
XXXX  XXXXBalance {$590.00} XXXX XXXXXXXXBalance {$0.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXX XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX Employer : XXXX XXXX Date Updated : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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:
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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately. 
XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation