vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 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: FL

Complaint narrative:
I have sent four certified letters to Equifax - Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX One for every 30 days since XXXX. I have asked to verify all XXXX Accounts with names and update all accounts with corrected dates. I have yet to be successful. All they responded with is the same thing that is being reported. All these accounts are outdated and showing incorrect dates of last payment and its restarting the statue of limitations of 7 years. They are not giving me absolutely no updates and 4 of these 7 accounts of XXXX have been deleted from my spouse 's account that have the same account numbers and balances since I was joint on her account. Amounts that have been deleted on my spouse account are {$6300.00}, {$4700.00}, {$4700.00} & {$6200.00} on XXXX. I have called numerous of times XXXX  starts a dispute and I wait the time limit and they give me no updates on any of my accounts. I feel this is all an injustice on my reputation of an old account that I am being held accountable and XXXX is not reporting my account correctly. All seven accounts should have been deleted years ago. It's showing a last payment in XXXX and XXXX so it resets it's time and that is inaccurate. On one report it showed a payment of {$1.00} and that is not accurate. Re-setting the time on all these XXXX Accounts is such an injustice. I have sent them proof of deletion from other credit bureaus ( Certified Tracking # 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 2020-05-11 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: CA

Complaint narrative:
These accounts are errors reporting on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: GA

Complaint narrative:
Hi I filed a complaint with Experian XX/XX/XXXX and XX/XX/XXXX I never received any correspondence from Experian According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify,.

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 2020-05-11 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Per judgement in my divorce decree on XX/XX/XXXX, I was to be, " held harmless of any mortgages and or liens '' on the primary residence given to my ex-wife. On XX/XX/XXXX, the mortgage company XXXX performed a quitclaim title of the primary residence to Shellpoint Mortgage Servicing ( a part of XXXX XXXX, XXXX XXXX. Shellpoint foreclosed on the primary residence in XXXX of XXXX. Despite the judgement in XXXX, the foreclosure shows on all three credit bureaus. I have tried multiple times to get it removed from all three credit bureaus with no success. I have tried to get it removed from Shellpoint directly with no success. Finally, I enlisted a third party, XXXX XXXX, to try on my behalf to remove Shellpoint. All three credit bureaus ( XXXX, XXXX, XXXX  ) refer back to Shellpoint and Shellpoint re-validates the account with each request. XXXX XXXX not been successful either in removing Shellpoint. 

Please note that I have successfully removed the original mortgage company, XXXX, from all three credit bureaus and XXXX XXXX has been successful in removing other incorrect and negative information. I am trying to rebuild my credit to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX, I saw on my credit report that on XX/XX/XXXX a XXXX XXXX XXXX put a dergatory report of {$880.00} for Pepper Cash loan. Never heard of Pepper Cash. The date opened was unknown and just showed up without any notification received from the debt collector. When I called XXXX XXXX XXXX on XX/XX/XXXX and spoke to XXXX he said this came fr XXXX XXXX XXXX that Pepper Cash had sent to them. He said it was opened in XX/XX/XXXX and charged off XX/XX/XXXX. He said I used a bank account in XXXX XXXX. I didn't live in XXXX XXXX at that time, nor did I have a bank account in XXXX XXXX at that time, nor did I take out this loan. I have received no mail of this to be able to dispute and ask for proof but he wanted my current mailing address and last four digits of my SSN number. I have had my SSN number stolen from XXXX  security breach as well as my wallet stolen prior to this. I truly don't believe this company is legitimate or the debt is legitimate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-05-11 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-05-11 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Rushmore Loan Management Services reported my forbearance agreement to the credit reporting services. I believe the Cares Act prohibits this reporting? 

I was current in good standing before our agreement entered into on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: FL

Complaint narrative:
After two attempts, Equifax has not resolved the issue of access to MyEquifax. I was given a password reset on XX/XX/2020 and attempted to gain access only to be transferred to a page to call the 888 number. Again the challenge questions asked have nothing to do with my credit bureau report that Equifax just provided me in the mail. I was then transferred to an agent after a 30 minute hold time and in the middle of explaining my problem the line went to a verbal survey and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filed a dispute on XX/XX/XXXX against XXXX in the amount of XXXX. XXXX. Bank of America never contacted me or allowed me to upload my documentation showing that the merchant said they would refund me in 30days. Today XX/XX/XXXX I received in the mail a notification from BoA stating they were siding with the merchant and they were going to take XXXX from my account 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 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX  account was paid, settled in full and closed XX/XX/2019. 

This is my second request. It was showing late payments also after I had paid it off and the company closed it. It is now back on my credit report showing as a charge-off now. Which is negatively affecting my credit rating. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: MD

Complaint narrative:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR DISPUTED ITEMS AS WELL PURSUANT TO SECTION 609

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 2020-05-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On " XX/XX/2020 '' my credit score went down 18 points because of supposedly my credit card was " 30 days late for the month of XX/XX/2020 ''. First of all, we're only 9 days into the month of XXXX of 2020 ... so how can I be 30 days late??? Second of all, I called the credit union and they said they NEVER reported this to the credit bureaus. XXXX   stated the credit union reported this late and that my dispute will take up to 30 days to get fixed. WHY DID THIS ERROR OCCUR? AND WHY DO I HAVE TO WAIT FOR SOMETHING TO BE CORRECT THAT'S CLEARY AN ERROR ON THEIR PART? My account is not late! My account even has a XXXX  balance! And .... now I have to fight with 3 credit bureaus to fix this error. This is horrible!!!! No one is acknowledging their error, the credit union said they NEVER reported this, and the credit agency said the same thing but I have to wait. The credit bureaus are all lying, not reporting accurate information, and also sell our information. I'm a Veteran dealing with this 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 2020-05-11 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
I initiated a money transfer of {$850.00} USD or {$20000.00} MXM to my mother in XXXX in XX/XX/2020 at XXXX XXXX. I received a message in XX/XX/2020 at XXXX XXXX  with " Transaction Completed '' confirmation. Meanwhile, I started another transfer of {$200.00} USD to my mother also. I realized that this additional {$200.00} were going to be ready to pick up until next day because that's the time the company takes to have the money available. 

On XX/XX/XXXX, my mother went to the bank to pick up the initial transfer of {$850.00} USD or {$20000.00} MXM and there was when the problem began. Instead of her having or receiving the {$20000.00}. She only received {$4600.00} MXN which was the 2nd transfer I made in the evening of the previous day and that that money supposed to be ready until the evening but the {$20000.00} that I send initially were not sent to the bank. 

This company pulled both amounts from my bank account but they didn't send the 1st transfer of {$850.00}. 

Now they are saying that there is a slight delay because they're verifying the recipient 's information ; but my recipient 's information is the same I have been sending money and the same they use to send the 2nd transfer of {$200.00} USD. 

I called the company but they are not answering. I contacted them by email but they are not even trying to fix the problem. I also tried to cancel the transaction but they don't allow me to do it. 

Please help me resolve this issue with this company. 

Thank you so much for your help and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Leachman Law, P.C.
State: MD

Complaint narrative:
I have paid the amount in full but company stated I did not. They have failed to provide proper documents showing amount not paid in full. Did not call or email stating balance was due and now is trying to charge additional fees.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-05-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 Wells Fargo ( WF ) transfered {$1000.00} from my checking account to my WF Credit Card without my written consent and they identified it was a problem and returned {$1000.00} back XX/XX/2020 to checkeing account but my FICO score decreased due to their error XX/XX/2020 ( according to email from XXXX ) and Wells Fargo FICO Score, XX/XX/2020 report ). I spoke with customer care department to complain when I first noticed their mistake but they're making these mistakes because their refusing to comply with American Disabilties Act ( ADA ) reasonable accommodations and their not giving any written text, email, or during phone conversation before they transfer any monies to wrong accounts so we customers can " VERIFY '' if the information is correct before they transfer monies. They did open a customer care ticket # XXXX but they closed complaint XX/XX/2020 when they called me but couldn't speak with there Executive Offices because I was talking with medical doctor. Today XX/XX/2020 I requested to speak with WF Executive Offices but instead told me they needed to open a new ticket but it seems they're giving customers " run around '' and changing parties to confuse, re-introduce complaint when they have previous information is " recorded and monitored, '' but feel they're concealing errors and request CFPB to monitor patterns and trends at WF.

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 2020-05-11 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:
These accounts are errors reporting on 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 2020-05-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts are errors reporting on 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 2020-05-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have accounts that are part of my identity theft case showing on my credit report

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 2020-05-11 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 accounts that are part of my identity theft case showing on my credit report

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 2020-05-11 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: CA

Complaint narrative:
I have accounts that are part of my identity theft case showing on my credit report

Company response to consumer: Closed with explanation