vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM 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 non-monetary relief
Consumer complaint received 2021-12-09 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Adresses : XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Employer : XXXX Date Updated : XX/XX/2019

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 2021-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was XXXX  due to XXXX  from XX/XX/XXXX to XXXX XXXX. 
on XX/XX/XXXX my wife called Capital One to notify them of my XXXX  and ask for an extension or forbearance for the upcoming payment which was due between She was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the XXXX  day late deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: CA

Complaint narrative:
it has come to my attention that this student loan is reporting numerous times on my credit report, all under the same account number. Not only are they reporting fraudulently but are also reporting late payments on closed/transferred account which is a violation of the FDCPA. the account needs to be verified, and provide me the proper procedures made to ensure the integrity of the account is accurate. if can't supply me with the procedures taken to validate the account I would need this tradeline to be removed from my credit report immediately and stop all collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: PA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The status is incorrect for the following account XXXX XXXX XXXX Please supply information on how you verified this account. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: TX

Complaint narrative:
I've submitted FTC and Police Report to this Credit Reporting Agency ( EQUIFAX ) on XX/XX/2021 according to FTC these fraudulent accounts resulting in Identity Theft must be removed in XXXX  days pursuant to XXXX usc 1681c-2. 


I've asked EQUIFAX to please delete XXXX XXXX AND XXXX  XXXX XXXX XXXX from my consumer report which they have failed so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied for a mortgage loan with Amerisave to purchase a home. I submitted my application on line and waited for a response and/or phone call from Amerisave. After I didn't hear back from Amerisave for more than a week, I contacted an Amerisave supervisor and was immediately assigned to an Amerisave loan officer, specifically XXXX XXXX. 

On XX/XX/XXXX, after pulling my credit for the second time, XXXX XXXX sent a prequal letter and disclosures with an interest rate that was unacceptable at the time. We discussed lowering the interest however, the interest rate was never lowered. 

I was told I was approved and simply needed to pay a {$500.00} application fee upfront. I thought this was strange as I've been approved for mortgages prior to this incident and have never been required to pay an application fee prior to closing the loan. 

Shortly after paying the {$500.00} application fee my request for a loan sat in processing until XX/XX/XXXX. Prior to this date, I'd made phone calls to several people within Amerisave in an attempt to get an update on my loan status, however, I was told due to the 'refi boom, ' refinance transactions took precedent over purchase transactions and I'd 'just have to wait. ' On XX/XX/XXXX, I was informed by XXXX XXXX, a loan processor with Amerisave, my loan had been declined and a pre approval had never been issued. As a result, I requested a refund of the {$500.00} application fee. 

Unfortunately, Amerisave has neglected to refund the application fee, even though its representatives admitted to delaying my loan due to the 'refi boom, ' and failed to notify me within a timely matter of its decision to deny or take 'adverse action ' with regards to my application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09 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: TX

Complaint narrative:
I've submitted a FTC and Police Report to this Credit Reporting agency ( TRANSUNION ) on XX/XX/2021 according to FTC these fraudulent accounts must be removed within XXXX business days pursuant to XXXX XXXX XXXX. 


I've asked TRANSUNION to please removed theses accounts XXXX XXXX and XXXX XXXX XXXX XXXX off of my consumer report which they have failed to do so.

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 2021-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, 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 reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/2018

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 2021-12-09 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: SC

Complaint narrative:
On XX/XX/2021, I submitted a dispute to the Consumer Reporting Agency ( CRA ) : Experian XXXX XXXX XXXX XXXX, TX XXXX In this dispute articulated that this CRA was in violation of 15 USC 1681b - permissible purpose of consumer reports since, by the letter of the law, i must provide them with written permission to furnish this data on my consumer reports. Furthermore, I provided the exact laws which supported my demand to remove all " late payments '' from my consumer report which are illegal based on the consumer law 15 USC 1681 ( 2 ) ( a ) ( i ). 

I requested that all late payments be removed from my report. Additionally, I pointed out how they are presenting the status " CO/C '' on the reports to represent " Charge Off and Collection '' respectively. They are presenting this data as late payments and even support that this is a late payment when viewing the full reports and on the dashboard as late payments. Instead of actually adhering to the laws they are constantly " verifying '' an account which is not what I am asking for in the letters. 

Delete the late payments for the following account : XXXX XXXXXXXX XXXX  XXXX account # XXXX Delete the following accounts from my reports : XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX This CRA is in violation of 15 USC 1681.

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 2021-12-09 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:
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 TransUnion 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 accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$15000.00}

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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was XXXX  due to XXXX  from XX/XX/XXXX to XXXX XXXX. 
on XX/XX/XXXX my wife called XXXX XXXX to notify them of my XXXX  and ask for an extension or forbearance for the upcoming payment which was due between She was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my XXXX XXXX. 
I would like the XXXX  day late deleted from 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 non-monetary relief
Consumer complaint received 2021-12-09 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 was XXXX due to XXXX  from XX/XX/XXXX to XXXX XXXX. 
on XX/XX/XXXX my wife called XXXX XXXX to notify them of my XXXX and ask for an extension or forbearance for the upcoming payment which was due between She was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the XXXX day late deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: CA

Complaint narrative:
I was XXXX due to XXXX from XX/XX/XXXX to XXXX XXXX. 
on XX/XX/XXXX my wife called XXXX XXXX to notify them of my XXXX and ask for an extension or forbearance for the upcoming payment which was due between She was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the XXXX day late deleted from 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 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I fell behind on my payments due to XXXX sps approved me for a forbearance and when the plan was over I asked for a deferment. I am under review for the deferment but they just placed a notice of sale on my home for XX/XX/2022 even though Im under review for loss mitigation assistance, and they did not file a new Notice of default. 
I just want to start making payments on my home please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
This complaint is against XXXX XXXX XXXX which started back in 2016 in which they placed a {$2500.00} charge on me and my sons credit and we have both filed several complaints to the credit agencies with no results and I actually filed a complaint with the XXXX and they never responded to this agencies request. So we found they are claiming that we left the apartment without proper notice and that we trashed the place as well. We gave them advanced notice and we didn't leave the place in a mess. The apartment that I moved into after leaving XXXX XXXX called them to verify that I was in good standing before signing my contract. Southern Management services was hired to collect the debt all they did was just place this account on both our credit reports but both parties avoided the XXXX and did not respond. We are just trying to get this resolved because it has been over XXXX and a half years on our credit history so I hope that you can help us with our problems.. also they are only going to send you what they want you to see because we know that they are hiding something and they have been very nasty with us for all these years for up to just asking a question..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
My Venmo account was deactivated for no good reason. I thoroughly read through the terms of service and user agreement, and I never violated them. I made a new account and was paid {$50.00} by a friend, and when I tried to recover my funds, Venmo froze my account and would not let me retrieve my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I am being charge from convergent outrsourcing in the total of {$2500.00}. I have a fraud alert on my report and a police report on 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 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
They are attempting to collect a debt for {$6500.00} that does not belong to me. I was a victim of identity theft. 
they have not provided me with a validation of debt or any other document proving this is legitimately my debt. 
They are still reporting it to the credit bureaus as a collection.

it is severely affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I live on Social Security. I received my bill from Capital One for my payment due on XX/XX/2021, minimum payment {$28.00}. I paid on XX/XX/2021 {$250.00} on my Walmart Credit card ( ending in # XXXX ) on a card balance of {$260.00}, XXXX. My confirmation number for the payment was XXXX. The monies were withdrawn from my bank on XX/XX/2021 under post # XXXX. Today is XX/XX/2021, and according to their computer printout all I had to use on my card was {$11.00}. My credit limit on the card is {$300.00}. At XXXX XXXX I spoke with their representative at phone # XXXX and questioned him as to where my additional {$250.00} were. He advised me that sometimes it can take up to 8 business days to clear. I questioned him if this was normal practice and he answered " Yes ''. I do not believe that the bank is authorized to 'float ' my money without allowing me to have access to the funds. As I stated at the beginning of my complaint, I ( we, my wife and I ) live on Social Security and our budget doesn't allow holding on to our monies when, in doing so, we can't buy groceries or medications. Please advise us if this allowed.

Company response to consumer: Closed with explanation