vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I reached out to XXXX first on XX/XX/2023 asking them to investigate and delete it. I also asked for the date and whom they contacted along with actual documents proving this is my debt ( because it is not ). I only got a response from them once and it was them stating that my dispute letters did not come from me.They have failed to investigate this matter and I included the email response I was given by XXXX. I sent letters again on XX/XX/2023 & XX/XX/2023, however, I haven't gotten a response. These are the following accounts I have sent numerous disputes about without proper investigation. They also have incorrect personal information about me. 

XXXX XXXX  Account # XXXX is an open collection account with a balance of {$52.00} only reporting to XXXX and Transunion XXXX 

XXXX XXXX XXXX XXXX Account # XXXX is an open collection with a balance of {$1700.00} reporting one 30 day late payment and 5 60 days late payment. I have never been delinquent with this creditor and it is reporting to only XXXX. 

XXXX Account # XXXX, is an open collection account with a balance of {$670.00} reporting to Transunion XXXX 

There is an open collection account titled Untitled { XXXX } with the account # XXXX, balance of {$1700.00} is reported to XXXX XXXX 

XXXX Account # XXXX is an open account reporting a balance of {$190.00}. It is only reporting to Transunion. 

XXXX, XXXX Account # XXXX, is a closed account reporting that I was 30 days late one time and only reporting to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: MD

Complaint narrative:
I reached out to XXXX first on XX/XX/2023 asking them to investigate and delete it. I also asked for the date and whom they contacted along with actual documents proving this is my debt ( because it is not ). I only got a response from them once and it was them stating that my dispute letters did not come from me.They have failed to investigate this matter and I included the email response I was given by XXXX. I sent letters again on XX/XX/2023 & XX/XX/2023, however, I haven't gotten a response. These are the following accounts I have sent numerous disputes about without proper investigation. They also have incorrect personal information about me. 

XXXX XXXX  Account # XXXX is an open collection account with a balance of {$52.00} only reporting to Equifax and XXXX XXXX 

XXXX XXXX XXXX XXXX Account # XXXX is an open collection with a balance of {$1700.00} reporting one 30 day late payment and 5 60 days late payment. I have never been delinquent with this creditor and it is reporting to only XXXX. 

XXXX Account # XXXX, is an open collection account with a balance of {$670.00} reporting to XXXX XXXX 

There is an open collection account titled Untitled { XXXX } with the account # XXXX, balance of {$1700.00} is reported to Equifax XXXX 

XXXX Account # XXXX is an open account reporting a balance of {$190.00}. It is only reporting to XXXX. 

XXXX, XXXX Account # XXXX, is a closed account reporting that I was 30 days late one time and only reporting to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: DE

Complaint narrative:
Good afternoon I am the owner and XXXX of XXXX XXXX XXXX XXXX My company sent funds to the counterparty XXXX XXXX and XXXX XXXX as payment for the contract - in the amount of USD XXXX ( payment order No. 7 dated XX/XX/2022 ). 

Correspondent bank of THE BANK OF NEW YORK MELLON. 
Information about payments in the annexes to this letter. Payments have not been received by the recipient. As far as I know, all payments are blocked. I ask you to help me set the details and the date of blocking payments. I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payments. 
Sincerely yours, XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TX

Complaint narrative:
I am writing to follow up on a letter I sent to you on XX/XX/2023 requesting verification of a late payment that is currently being reported on my credit report. The account in question is XXXX XXXX ( account number XXXX ) and XXXX XXXX XXXX SERVICES ( account number XXXX XXXX ) Despite my request for verification of this information, I have yet to receive any documentation supporting the accuracy and completeness of the reported late payment on these accounts. 

As you are aware, under the Fair Credit Reporting Act, I am entitled to receive a response from Equifax within 30 days of receipt of my letter. Your response should include detailed documentation supporting the accuracy and completeness of the information being reported on my credit report. It has now been more than 30 days since I sent my request, and I have not received any of the requested documentation from you. 

I would like to remind you that credit bureaus are required by law to maintain accurate information and to respond to consumer requests for information verification in a timely manner. Given that I have not received a response from you within the time frame required by law, I am requesting that you remove the reported late payment from my credit report on both accounts. Please also provide me with a revised copy of my credit report reflecting the updated information. 

I appreciate your attention to this matter and I look forward to receiving your prompt response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
unable to retrieve 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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
unable to retrieve my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We had an interest only loan in XXXX and the loan principal was due in XXXX. We got further behind on our bills. We were told to stop making payments in XXXX to get a possible modification on our loan after filling out numerous applications and being denied. We were forced to file bankruptcy because we got so deep in debt during this time. Our bankruptcy required us to make our mortgage payments to Wells Fargo during the repayment process. We made payments every month in the amount of {$1900.00} as part of our XXXX XXXX  for 5 years. During that time we were told to keep trying for a modification. We did exactly that. Once they actually foreclosed on our home which was illegal at that time. It got reversed. At the end of our bankruptcy we were forced to short sell our house. During this process we found out Wells Fargo closed our home loan in XXXX when we filed bankruptcy. We were actually paying {$1900.00} a month to Wells Fargo and no one could ever tell us where the money went. After the true XXXX we and our children went through during this time, we lost it all in the end. We will probably never be able to own a home again. The irony is 2 years after we short sold our home, someone called from Wells Fargo to follow up on our modification application. This whole time of our life was just surreal.

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 2023-05-08 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: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: CA

Complaint narrative:
This company is so radicals. Despite the fact I told them numerous times, thats its not my debt and stop reporting it on my credit, they keep posting the same XXXX over and over. When I am trying to make a major purchase in my life, to buy a car- I have been going through XXXX to get an approval because these XXXX people just dont get it. I have been trying to purchase a car to make my life little better, a single mother of 2 XXXX, struggling to get better myself and my kids life. These companies have no empathy or common sense to even reconsider their stupid errors. I tried it all and idk what else but I need this XXXX off my credit. Excuse my XXXX but this is how frustrated Iam not being able to buy a car or better anything in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trying to get my Transunion credit report. Their website only shows the report if you are a subscribed user ( almost {$30.00} mo. ). They direct you to https : XXXX  to request it. 
I tried and this site mentions there was a problem. When I retried the page says I already requested my report and I need to wait 7 days.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Account Details TransUnion Credit Report As of : XXXXXXXX XXXX This account is in violation for 15 usc 1681 improper use if my credit report as well as failure to provide complete and accurate information. This account shows that there is a 0 % usage as well as a XXXX balance on the account but reflects opened there is also no payment history.I never signed a contract with this company nor have I have any knowledge of this company is in violation of 15 USC 1681. The account also reflects opened the contract with established. XX/XX/2022 I have asked Transunion for validation of the debt I have given him 30 days to provide that information, and the information has not yet been provided with the original signed contract from the creditor. I am demanding deletion of the account for my credit report as well, as I am, may seek legal suit against Transunion for up to {$1000.00}. For failure to provide accurate and complete information. FCRA law

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 2023-05-08 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX Email : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update the account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjust has recently struck my credit with a a debt in the amount of {$1000.00} and has marked it as 30 days late. This is absolutely false and is not my debt. It's the only blemish on my record as I keep up with all bills on my credit weekly. Second off they are a company that buys debt from those that default to which I ask where on my credit is this debt to begin with that they bought? It does not exist. I just randomly received a 30 days late collections notice out of the blue with no account prior which was connected with said debt. This is % 100 not my debt which claims was opened on XX/XX/XXXX which was the week of XXXX which I was in Alabama visiting my parents and had absolutely no need to get any sort of loan let alone from a payday ultra expensive borderline illegal percentage rate type of loan. But as for the hardcore reasoning that should have this removed regardless if it was or if it wasn't I've copy pasted the CFPBs rules on credit reporting and it reads as follows ; When can a debt collector report my debt to a credit reporting company? 
The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting.Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 
If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. 

- Absolutely non of those REQUIREMENTS were met as again this just popped up on my credit report XXXX day when I never had an account to pay into or not pay into in the first place. As per your plain English rules lay out clearly and with National Credit Adjust fully aware of this being the case I ask that this be removed from my credit report immediately and ask that the National Credit Adjust organization never put anything on my credit without me knowing prior from today moving forward otherwise I will be seeking monitary compensation to include all lawyers fees and expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TX

Complaint narrative:
Thank you for your response on XX/XX/2023, regarding my dispute of the collection account on my credit report for the auto loan with account number XXXX and account name XXXX XXXX XXXX. While I appreciate that you have updated and verified the account, I am still concerned about the accuracy of the information being reported. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of the accuracy of any information on my credit report. Additionally, under the FCRA, credit reporting agencies are required to conduct a reasonable investigation and provide me with written confirmation of the results of your investigation within 30 days of receipt of my dispute letter. I have yet to receive any information on how you verified the account. 

Therefore, I am requesting that you provide me with detailed information on the method of verification that was used to confirm the accuracy of this account. This information should include the names and contact information of any individuals or organizations that you contacted during your investigation. I also request that you provide me with a copy of any documents that were used to verify this account. 

As a consumer, I am entitled to accurate and complete information on my credit report, and the FCRA requires credit reporting agencies to ensure the accuracy of the information they report. If you are unable to verify the accuracy of the collection account, I request that you remove it from my credit report immediately. 

I appreciate your prompt attention to this matter, and I look forward to receiving the requested information within the next 30 days, as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Couch Lambert LLC
State: AR

Complaint narrative:
This account was from XXXX XXXX which was discharged in a class action lawsuit against XXXX XXXX in XXXX. When the original debt was initiated I contacted their Arkansas law firm an worked out a deal to ay off the amount at {$5100.00}. I contact that firm, they asked for an explanation and if I objected to a plan. That's what we agreed too. When XXXX of XXXX came I contacted the firm again and let them know, per their advice, I reached out to XXXX  with a settlement request that I emailed, per the firms instructions, in an attempt to pay this debt off. The firm never responded to any communication from me. We were later notified that this debt was not to be collected on, reported to the credit bureau, or any negative items placed in public records because of the class action suit. The Arkansas firm, I contacted once more, to see if there was an agreed upon amount. Once again I received NO response from the Arkansas firm. Then in XXXX of XXXX I get notification from the firm in LA that there is a garnishment order against me. I called the debt collection office and asked to settle the debt, they asked me how much, I told them the original agreement was for {$5100.00} with the Arkansas firm that I'd not heard back from and since this was their partner in AR I'd like to just go ahead and pay off the original {$5100.00} debt and be done with it. I also asked for verification, from XXXX XXXX  of this debt to be sent to me, on XXXX XXXX LETTER HEAD so I could see the breakdown of the debt and what they were wanting me to pay. 3 times I requested that from the law firm/collection agency and all three times the only thing I received from them was a " Summation of Charges '' they sent me on their own letter head. I made the offer to pay at {$5100.00} and they refused stating that they had a judgement against me and that they wanted the entire {$8800.00}. I asked why we couldn't pay the agreed upon amount of {$5100.00} and I was told because the attorney wants all the money. I even asked for a payment record of what payments I had made on the account, several times, and not ONE TIME was I even sent any type of verification or record of payment on the account by the firm. When I called today to pay off the debt, they told me that they took credit cards and debit cards, I offered a debit card the man said he couldn't take it? I asked how they'd like for me to pay this he made me do a check by phone. I asked for a receipt of payment today to so the debt was paid off, they refused and told me that I would get a letter stating it had been settled in 25-30 days. That was the end of the conversation so I paid the amount off and hung up on them.

Company response to consumer: Closed with explanation