vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 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 2021-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding purchased debt that I owed to a credit card company. The debt is from XXXX, 2015 and beyond the Statute of Limitation for legally collecting the debt. However, LVNV has been reporting that I am making late payments every month to the credit bureaus which is against the FCRA as they are not the original creditor. Debt collection companies can not report late payments to the credit bureaus on debt they purchased from a creditor. The company has been reporting late payments for the last 24 months which is greatly affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I owed some medical debt to a company that sold the debt to a collection agency. The debt is from 2019 and should have been paid by my medical insurance company which the original creditor failed to do. The Collection company has been reporting the debt as recently missed payments and are reporting each month as a missed payment which according to the Fair Credit Reporting Act is not allowed. The only person who can report missed payments are the original creditor who the debt originated with. After contacting the company, they continue to report monthly missed payments which is affecting my credit. 

I also asked for the company to verify the debt almost a year ago and they have still not done so. The credit reporting bureaus have also failed to verify the debt as well.

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 2021-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Ray Skillman Northeast Buick GMC Truck Inc
State: IN

Complaint narrative:
I bought a 2011 XXXXXXXX XXXX and I had nothing but trouble with the vehicle. The check engine light kept coming on, and they put like {$300.00} worth of work into it, but the check engine light still came on. About 7 months after the purchase I got a recall notice in the mail for the XXXX, and it stated that the engine has a recall because of oil consumption issues. I brought this to the attention of the service department and they never fixed the issue. I had the vehicle for 10 months and the motor went out. I was told that they could put a new motor in and it would cost me {$3700.00} and I would have to pay {$370.00} every two weeks. After explaining that I could not afford that XXXX told me that he would speak to his boss to see what we can do. I waited for his call, but he never called me back, I even tried to call him to no avail. I had {$1500.00} to give the car lot to get my car back, but I still hadn't heard from them. So, I had to go purchase a new vehicle, and I lost everything in my XXXX. Now, after a year of them having possession of the vehicle they're trying to sue me for {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 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 explanation
Consumer complaint received 2021-12-13 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 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 2021-12-13 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: IL

Complaint narrative:
I informed Equifax of inaccurate items on my credit file. After being notified, they continued to report inaccurate information on my credit file. They also stated that they verify certain information on my credit file with a third party who stated they don't have the information in question on file. Not only are they committing identity fraud, but this is negligent and a violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Signature Bank (NY)
State: CA

Complaint narrative:
On XX/XX/2021 I wired {$50000.00} from my XXXX XXXXXXXX XXXX account to Signature Bank. I forgot to include the reference number in the wire and called XXXX shortly after sending the wire to see if it could be added. They said the wire would have to be recalled and I would have to send a second wire with the reference number. XXXX recalled the first wire. The second wire was received the next day but my first wire was never returned or deposited. It is missing at this point, and it has been over 1 month. XXXX reached out to Signature Bank several times, to which there was no reply. I sent Signature Bank an email to follow up, to which they were unresponsive. 

The wire was supposed to be automatically rejected because it did not include the reference number. It was neither accepted nor rejected. It was supposed to be returned because it was recalled. Again, it was not. At this point it is missing. 

I have been through a lot because of this, and I am worried I have lost my money. Signature Bank is acting like an outlaw, keeping money that doesn't belong to them and ignoring the inquiries. Please help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

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

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. CAPITAL ONE XXXX Balance : {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

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

This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

CAPITAL ONE XXXX Balance : {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX, I am residing at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I have an account number with TdBank, account number is XXXX. I have had overdraft issues before and addressed it with the bank. Sometimes successfully. Sometimes not. Being recovering after a XXXX treatment and being managing a low pay job for now have not added much help. I have noticed that sometimes if I had 5 transactions pending and had deposit coming only in a day they would let 4 transactions pass charge maximum overdraft fees allowed per day, then let one transaction stay pending and pull it through the next day and charge overdraft fees on it too. Then when I would have my deposit coming in the fees would eat it up. Also there is a difference between mobile application and their regular banking application often they would show pending transactions in one order on mobile application then have it in another order in regular application. I have been trying not to pay attention to it but did take screenshots and sometimes reached out and addressed it. However what has happened recently is completely unacceptable. I had placed a purchase and lost my job along with my last paycheck being bounced which Labor department is investigating at the moment. This cause an overdraft and I was trying to transfer XXXX dollars every other day from savings account and noticed that my transfers are not minimizing my balance but go against new overdraft fees. I have two XXXX transactions in the amount to XXXX and XXXX been charged every other day up until XXXX XXXX and inquired XXXX dollars of the overdraft fees for each day, despite that these charges had been paid to XXXX XXXX XX/XX/XXXX in full from XXXX account and then my savings account and from that day was not charged towards my account. When reached out to the bank I was told to stop them or notify XXXX my explanations that inhave screenshots when it was paid and also emails from XXXX that this amount had been satisfied I was ignored. How could it be that this transactions are paid but TD Bank still showing that they are charged for the next 2 weeks few times a week?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I wish to report Affirm ; they have reported three times that I have a delinquent account on my XXXX report. My question to them is open your books and show me the accounting that I still owe money to you I can not call you, because your company has no number and how do I get a hold of you besides escalating this false reporting as the FRAUD it is. Open your books me and show me that I owe you any money You have reported three times the SAME thing delinquent account on these dates : XX/XX/21, XX/XX/21, XX/XX/21. I want all of these removed or I will keep this matter on going time and time again. This is FRAUD. And I wish to have my remedy. Last thing Id like to add is that on their website at the footer it says do not sell my info is charging off my account and selling it to another company just that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: Portfolio Recovery Associates, LLC
State: TX

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

Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus 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 : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} ; PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX A ) XXXX Balance : {$4200.00} ; PORTFOLIO XXXX Balance : {$1700.00} ; PORTFOLIO XXXX Balance : {$1000.00} ; PORTFOLIO XXXX Balance : {$4200.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Im really worried that XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX have the right to privacy. Jefferson Capital System LLC has committed infringement upon my consumers right to privacy. 
I, XXXX XXXX XXXX never granted consent to Jefferson Capital System LLC to contact me. Jefferson Capital System has/ or purchased my private information without my consent. I never contracted with Jefferson Capital System LLC. Jefferson Capital is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and Regulation F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand Jefferson Capital System LLC to validate this alleged debt. 
If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for Jefferson Capital to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
As we have expressed to US Bank numerous times, we were having mortgage troubles that started from a principal amount error, that in the beginning, we hopelessly tried to resolve with them via telephone, but it was like we were using the wrong words or speaking another language when speaking with them ; and they would never give us a name of a person ( s ) in a specific department who could help us. 

Then the housing crisis started, and all of our attention had to be focused on trying to remain in our home as US Bank denied loan modification applications, grossly inflated late fees and tried to use default tactics to foreclose on our mortgage. 

So again early XXXX we went back to working on our principal amount error to learn that the matter was worse than we thought, because we learned that we are victims of loan flipping and mortgage fraud ; and with the help of CFPB as US Bank have sent paperwork trying to prove that we signed for a loan, that we did not sign, somehow we are still waiting for the money facts. 

A third fictitious loan in XXXX that we did not want, and did not sign is for {$130000.00} and claims that we received {$16000.00}. We did not receive it, so it is criminal that we have to pay for money that we did not receive, and the {$8900.00} that goes with it. 

Prove that we received this money. We want copies of the cancelled check and every piece of information surrounding that bank deposit and check being cashed. Strangely our paperwork shows that US Bank was working in concert with XXXX XXXX. 

So if US Bank has copies of the XXXX paperwork, they definitely have copies of the cancelled check, and all the information about what happened to the money ... correct? 

Please send money facts only right away, or please deduct the amount of this third fictitious loan from our principal balance. 

Thank you.

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