vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed this account multiple times beginning in XX/XX/XXXX. I have been told that Experian uses the lender ( XXXX XXXX XXXX XXXX ) to get their information. The last few times I have disputed the account ( XXXX and XX/XX/XXXX ) for incorrect information, Experian refuses to delete the account and just updates the Foreclosure date. I have contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and they have not updated any information. The account was foreclosed in XXXX, NOT in XX/XX/XXXX or XX/XX/XXXX. I have contacted Experian as well on XX/XX/XXXX with this information and they have told me that XXXX XXXX is the one that keeps changing the date. However, XXXX XXXX does not have any record of the changes. What Experian is doing is fraud. This account needs to be deleted.

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 2021-10-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
I was notified that I owed XXXX on XXXX XXXX XXXX with vin # XXXX I have no clue who account that is and, someone used my id without my consent.

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 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Todays date : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting the XXXX XXXX XXXX as on time in XXXX and XX/XX/XXXX, then in XX/XX/XXXX they are reporting a 30 day late, then XX/XX/XXXX, a 60 day late and XX/XX/XXXX another 60 day late. You can't go from 60 day late to 60 day late. I contacted Experian regarding the inaccurate information in XX/XX/XXXX and then in XX/XX/XXXX and asked them to explain how I can have 60 day late back to back and still no response. I have asked Experian as they are required to report on accurate information 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 2021-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 710. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have five negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-10-15 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: IL

Complaint narrative:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have five negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Per my sales contract and pursuant to 16 C.F.R. 433.1, 16 C.F.R. 433.2 and 16 C.F.R. 433.3, I, as the debtor, I am now asserting my rights that are found in Title 15 U.S. Code 1692 also known as the Fair Debt Collection Practices Act. Pursuant to Title 15 U.S. Code 1692e, the sales contract is false and misleading because the seller made me believe that I received a loan and that I have to pay a debt when the debt was already paid in full with the promissory note which is a negotiable instrument.

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 2021-10-15 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My mortgage with Wells Fargo was in forbearance & though they were not reporting late they kept upping the past due amount every month so my loan showed I owed more than the original loan & has tanked my credit. I spoke to them in XX/XX/XXXX about it & XX/XX/XXXX again & they said they would bring it to the attention of the department responsible. Spoke with them again XX/XX/XXXX & they said they were allowed to report the overdue amount in the balance as long as they dont say payments were late. They also showed that my account was in forbearance on all my credit reports. Credit companies said they could do nothing or change any of that reporting. This in turn has completely messed my credit report up & Ive ended up with reduced credit lines & higher interest rates. The reason showing is my loans are too high balances compared to the original amount & theyre over the limit amount. This is the ONLY problem on my accounts! Not to mention other problems Im having w Wells Fargo holding my sons CD hostage during Covid. Now instead of modifying my mortgage to a lower rate/payment they have put me in a trial 3 month payment for {$200.00}. Less than the original mortgage amount but have told me nothing about what they will be doing with my mortgage & if I will have a lower interest rate & payment after or IF they will be modifying at all! I am XXXX & need help desperately!

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 2021-10-15 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: NJ

Complaint narrative:
I recently received an e-mail notice informing me that my PayPal account was permanently limited and that I could no longer do business with their service. As per the e-mail, It informed me that I violated something outlined in their Terms of Service ( doesn't mention specifically what it was ) though at no point did I do anything to violate these terms. 

While reviewing my most recent activity on the account, the latest transaction on the account was payment I sent for an item ( shoes ) from an online seller ( $ XXXXUSD on XX/XX/XXXX ) and a payment I received from XXXX  ( a cashback browser extension ) for $ XXXXUSD on XX/XX/XXXX. Besides these two transactions, my account hasn't been used in over a full year. 

The reference ID for this e-mail was : Ref ID - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: SC

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021, XX/XX/2021, XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There is a collections account that appeared on my credit report in XX/XX/XXXX from a company called XXXX XXXX XXXX XXXX  in the amount of {$680.00}. On XX/XX/XXXX I sent a certified debt validation letter to the company requesting to see what proof they had that I have a contract or have actually done business with them, giving them 30 days to respond. They never responded. In the meantime, I disputed this with Transunion and to my surprise within 24hrs they deemed the debt valid which really puzzled me. If the company never sent me proof, I highly doubt Transunion has proof of this so called debt. 

On XX/XX/XXXX, I went back over my credit report and noticed they were reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$680.00}. I simply mailed Transunion a certified letter informing them of this. 
Also explaining that According to the FCRA, I have the right to an accurate credit report. Asking them to please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
Transunion mailed back a letter and my credit report stating it would not be removed from my credit. Yet, nobody has showed me valid proof of me owing this debt nor has anyone responded to my request. 
I do not owe this debt, I've never done business with the collections agency, there is no valid proof of me owing this debt and this should not be on my credit report. 
weird enough, It was placed on my report XX/XX/XXXX and according to my credit report, it's due to be removed XX/XX/XXXX. I've seen this with inquires but not actual collection accounts. Funny how this debt isn't on any of my other credit reports, hmmm ..... 
Probably because the collections company doesn't have proof!! I'm thoroughly convinced that Transunion and this XXXX XXXX XXXX XXXXXXXX has a huge scam going on. 

I believe Transunion and this collection agency are surely practicing unethical and illegal business in regards to my personal credit. 
I am asking that this be looked into on my behalf in good faith.

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 2021-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC bank states to XXXX credit bureau that {$160.00} written off ; {$560.00} past due as of XX/XX/2019. This is not true, a delinquency was a delay in an insurance claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Once again Mr. Cooper has failed to review my file for a retention option, neither did they ask for any documentation when rendering their decision. Prior to a decision being made and my need for additional financial assistance at the time, I contacted XXXX XXXX XXXX  XXXX, a federal organization whose goal it is to assist homeowners impacted by the pandemic with a grant. I was approved for {$10000.00} check # XXXX. Pursuant to the guidelines for distribution of those funds, XXXX XXXX XXXX XXXXXXXX mailed the funds to Mr. Cooper directly, in turn a staff member of the mortgage company sign a release form authorizing the processing of the monies received on their end. As of now Mr. Cooper is in violation of the contract signed and dated by XXXX XXXX on XX/XX/2021. 

Just a note, I am fully employed and not asking for my payments to be lowered, just to begin making regular or modified payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: MI

Complaint narrative:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
PNC Bank purchased BBVA and had about six months to transition accounts. This past weekend, they eliminated BBVA access from customers from Friday-Monday, promising access within PNC 's new system would be up on Tuesday ( XXXX XXXX ). When I was unable to access my accounts on Tuesday, I visited the local branch and spent about an hour with my banker, completing a form which listed all my accounts that needed to be migrated to PNC. That form was sent by the branch to PNC on Tuesday. By Thursday, nothing further transpired and I still had no access. I contacted PNC 's leadership team in XXXX and, while they did not respond directly, they had someone contact me to let me know " they are working on this ''. As of this morning I still have no access and no one at PNC is returning calls or email messages. 
This situation was both predicable and avoidable and, once the problem was created and PNC was properly notified, they have exhibited seeming incompetence and indifference to finding a timely resolution, It is totally unacceptable for my wife and I to have to endure a full week without access to our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation