vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 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: TX

Complaint narrative:
On today I was informed that my credit file was being suppressed because a creditor / collection agency has stated I am not who I say I am. The credit agency is now asking me for a copy of my social security card for which I am already a victim of identity theft HOW CAN A COMPANY ( collection or otherwise ) have influence to suppress and or block my credit account without prior authorization. I have not elected for a freeze that would create this effect. 


This is a violation of the fair credit reporting act. not to mention my rights as a citizen. I am a citizen of the UNITED STATES OF AMERICA. Any information given to credit agencies is then shared with the collection companies even if it is reported as FRAUD with the affidavit and police reports on file. It does not seem as though the credit agency can be unbiased and act with integrity. This is STRESSFUL AND IS a form of discrimination. This paralyzes me to provide for my family and any business that I may be conducting business with.

This needs to be removed immediately.

I will be filing complaints with the FTC CFPB XXXX  TEXAS ATTORNEY GENERAL DEPT OF JUSTICE Governor of TEXAS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On today I was informed that my credit file was being suppressed because a creditor / collection agency has stated I am not who I say I am. The credit agency is now asking me for a copy of my social security card for which I am already a victim of identity theft HOW CAN A COMPANY ( collection or otherwise ) have influence to suppress and or block my credit account without prior authorization. I have not elected for a freeze that would create this effect. 


This is a violation of the fair credit reporting act. not to mention my rights as a citizen. I am a citizen of the UNITED STATES OF AMERICA. Any information given to credit agencies is then shared with the collection companies even if it is reported as FRAUD with the affidavit and police reports on file. It does not seem as though the credit agency can be unbiased and act with integrity. This is STRESSFUL AND IS a form of discrimination. This paralyzes me to provide for my family and any business that I may be conducting business with.

This needs to be removed immediately.

I will be filing complaints with the FTC CFPB XXXX TEXAS ATTORNEY GENERAL DEPT OF JUSTICE Governor of TEXAS

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 2021-02-18 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:
equifax : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX Also known as XXXX, XXXX XXXX, XXXX Remove the above names experian : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms XXXX XXXX XXXX  XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX 6 late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms XXXX/XXXX  {$5600.00} Balance updated XX/XX/XXXX 2 late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$5600.00} {$3500.00} Payment Info Status Past due 90 days Status date XX/XX/XXXX Past due amount {$150.00} Original loan amount {$3500.00} Monthly payment {$49.00} Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dec 2021 90 - - - - - - - - - - - XXXX - - - - XXXX XXXX XXXX - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - On Time 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 300 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX/XXXX  {$6300.00} Balance updated XX/XX/XXXX 2 late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$6300.00} {$3700.00} Payment Info Status Past due 90 days Status date XX/XX/XXXX Past due amount {$170.00} Original loan amount {$3700.00} Monthly payment {$55.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: AL

Complaint narrative:
XXXX XXXX a block was added to my credit bureaus not allowing XXXX XXXX  to report inaccurate information on my credit file..XX/XX/XXXXi purchased a vehicle from XXXX XXXX for XXXX +title and taxes total amount that was finance was XXXX-XXXX  down payment XXXX i recieved my title in mail. XXXX i did a title loan with XXXX XXXX XXXX with a clean and clear title..did n't retrieve the vehicle lienholder is XXXX XXXX XXXX  and XXXX XXXX XXXX file suit in XXXX XXXX court house for XXXX and i had legal aid off alabama to represent me, and was told by XXXX XXXX that i didn't have to come to court because i had just got out the hospital due a serious health condition.I called Legal aid XXXX  that evening and was informed that I lost not to worry because as long as Im XXXX  XXXX XXXX wont recieve a dime.Now Im trying to purchase my first home And been denied over 7 times, due to XXXX XXXX is reporting to equifax inaccuracy on my credit file..I have filed in district court against XXXX XXXX and a block was added to my credit file equifax is still showing outstanding balance which isnt accurate ..I need for XXXX XXXX to be deleted remove vacated for reporting inaccurate information..The amount that i paid for the vehicle was XXXX with taxes and title XXXX that what is reporting my payment history that i recieved from XXXX XXXX is XXXX +XXXX down payment =XXXX but reporting amount finance is XXXX ..I been dealing with this nonscence for over 9 mos now..I called and spoken with XXXX on XX/XX/XXXX and was referred to OCC..OCC couldnt help me and I was told to submit another complaint with CFPB all im seeking is a fair judice and investigation with this matter so I can purchase my first home, URGENT time is running out soon. Im sorry for all the miss spells I have XXXX in my XXXX XXXX  and it very hard for me to keep submitting these complaints.Thank you again XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, I disputed the account for XXXX/XXXX XXXX - XXXX XXXX XXXX XXXX it shows as open and I'm currently late. The account was closed and sold in XXXX or XXXX. I paid the new company in full in XX/XX/XXXX. Both the company and the credit reporting agencies ( Experian and XXXX  ) continue to report inaccurate information, even after I've provided them with the correct and updated information. XXXX XXXX XXXX, XXXX provided me a letter stating, the account has been sold, but they continue to update with erroneous information. 

XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX Paid XXXX ( XXXX XXXX XXXX XXXX account was sold to ) in XX/XX/XXXX Notified Experian, XXXX  , and XXXX  XXXX XXXX in XX/XX/XXXX and again XX/XX/XXXX to correct credit report. 
XX/XX/XXXX - XXXX/XXXX  XXXX ( XXXX XXXX XXXX, XXXX ) updated erroneous information again.

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 2021-02-18 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: Uplift, Inc
State: CA

Complaint narrative:
I sent UpLift a certified letter XXXX via USPS on XX/XX/2021 which was delivered on XX/XX/2021 disputing the inaccurate information they are reporting to my XXXX  Credit Bureau and they never investigated it. Please see the attached letter for a full explanation of all of the inaccuracies. They failed to investigate it and are still reporting the inaccurate information my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/2020, Ad Astra Recovery Services added a derogatory mark with the amount of XXXX USD on my credit report XXXX, and XXXX ( Can be seen from XXXX XXXX as well ). Not to mention that Ad Astra Recovery Service could not validate their information with XXXX. Upon, further research, this account was transferred/sold from Speedy Cash to Ad Astra Recovery Services and I, the alleged DEBTOR, did not consent for the reselling of this alleged debt nor contract with either company. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and any person can send a bill and say it is mine. According to FCRA, Ad Astra Recovery Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} usd ) or imprisoned not more than one year, or both. And also these fraud claims are also in violation of Title 18 U.S Code Section 287.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
We contacted SunTrust bank on XX/XX/XXXX to refinance our current mortgage. We completed the paperwork shortly after XX/XX/XXXX. They ran our perfect credit and found no problems. It is now XX/XX/XXXX and they still have not closed. They contacted us a couple of weeks ago and said they had to run a credit check again. 5he check has unaffected our credit score. We have also been paying our mortgage at a higher rate and amount since XXXX. They will not return calls and emails.

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 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have disputed online several times as well as sent in multiple certified letters requesting that inaccurate information being reported on my credit report be removed beginning XX/XX/2020 through present and still have no resolve. I am being told that the information was verified with the bankruptcy court. This is 100 % false as the US Bankruptcy court has informed me that the do not report or verify any information with the credit bureaus. There is a public record that is appearing on my report that should not be. The bankruptcy was withdrawn and the credit bureau is inaccurate pulling information from an apparent third party company. I have sent in my drivers license with my disputes and it is obvious that the reason this information has not been updated is due to obvious racial bias. This inaccurate information is preventing me from applying for a job and purchasing a home. As a XXXX mother of XXXX it is hard enough

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 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I placed an order on the internet for a machine that applies make-up with a total cost of {$220.00} On XX/XX/XXXX I made payments in the amount of {$38.00} leaving me with a balance of {$180.00} On XX/XX/XXXX I spoke to a collection Agency who stated I was to set up a payment plan of an immediate payment for {$50.00} and then {$78.00} monthly until the balance was paid. I was assured I would receive some type of documentation confirming our conversation and terms of the agreement. I received neither. 

In the meantime, last week, my debit card was stolen and the bank sent me a new one. I received a call from collection agency asking for new card information. I asked if I could make {$50.00} payments for the next three weeks and then a {$26.00} payment on the 4th week and be paid in full. The man on the phone told me that would not make sense because I was being charged a {$20.00} processing fee for every payment I made. I was very upset to learn this as no one had informed me of this charge when I sent up the arrangement originally. He arrogantly told me I knew from the start. I tried to explain I had never received a letter or email stating so. He refused to let me speak by screaming " MaaM '' into the phone so I hung up. 

I called the original creditor there after only to find that the original debt due was {$220.00}. I paid the original creditor on XX/XX/XXXX in the amount of {$38.00}. 

I made two payments to the collection agency on XX/XX/XXXX of {$50.00} and another on XX/XX/XXXX of {$78.00}. Leaving me with a balance due of {$55.00}. Today on the phone I was told I had a remaining balance of {$170.00}. 

I want to file a complaint over the charging of the processing fees and never been told they were being charged. I did speak with them this evening and demanded a return of all the monies I paid them so I can pay the original creditor myself. She told me she would see what she could do and asked for 24 hours. The information for this agency is as follows : Monteray Financial XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX Manager : XXXX XXXX Ext. XXXX My info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX The Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I am attaching my payment history sent to me by the original creditor. 

Thank you for your attention to this matter. 

Warm Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 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 sent an electronic dispute request to have a few accounts removed from my credit report where I am listed as an authorized user only. One is showing with XXXX XXXX XXXX and the other is with XXXX XXXX XXXX XXXX. 

Nothing has been done to have these accounts that I am not responsible for removed from my credit report. It has been well over the allowed 30 day period and I need to have this resolved.

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 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
XX/XX/XXXX Requested Mortgage Payoff Statement From Fay Servicing LLC. Mortgage principal is {$13000.00}. Escrow for RE tax is {$6700.00} XX/XX/XXXX Received Payoff Statement saying all principal must be paid before escrow is refunded. Mailed check in the amount of {$13000.00}. 

XX/XX/XXXX Received letter returning my check saying only certified funds are accepted. 

XX/XX/XXXX Using Fay Servicing on-line site, I paid down the principal to {$0.00}. Their site does not allow pay down to zero. 

XX/XX/XXXX Requested new Mortgage Payoff Statement. My last payment to Fay Servicing LLC sent by bank XX/XX/XXXX Mortgage principal is {$0.00}. Escrow for RE tax is {$6700.00}. Called Fay Servicing and asked if {$0.00} principal can be paid from my escrow fund, the remaining {$6700.00} escrow be refunded to me and receive my title papers. 

XX/XX/XXXX Email from Fay Servicing asking for bank statement showing funds sent to Far Servicing. Sent documentation to Fay Servicing. 

XX/XX/XXXX Email from Fay Servicing saying " any outstanding escrow overage will be refunded within 30 days after the loan is paid in full ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone stole my mail and was able to access my bank account information and charged my business debit card and charged a couple transactions and several attempts later Wells Fargo bank denied my claim based on information that was completely invalid.

1. I have a police report that is very clear with respect to my identity being stolen.

2. There were multiple attempts made on my card where no funds we available to cover the transaction. The merchant then charged smaller amounts on separate dates.

3. Wells Fargo claims that my data regarding online banking was found to have been in review of transactions which is only true regarding the transaction that hadnt yet posted to the account. And despite my catching it and filing a stop payment for fraud still went through.

4. Ive now escalated to the executive office team and they have said the claim has had its final decision and they wont help me further. 

Total of these transactions are close to {$5000.00}

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 explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I sent two debt validation letters to United Revenue corporation requesting the pertinent information to validate that the debt is mine for 6 different accounts that is with their office. Both times they failed to validate the debt and NO HIPPA authorization form was provided in either of their poorly written letters back to me. This business violated my health information privacy rights and committed another violation of my privacy by not providing me this information and having my actual health records on file. I am aware HIPPA allows limited information however, this company has direct medical information from the medical providers. They have failed to provide any type of two additional accounts on my credit one for the amount of {$950.00} and another for {$480.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
I had XXXX XXXX as my television service but there was a fire in my house. The box that i had of theres was destroyed in the fire. There was nothing for me to return and they don't reuse the boxes anyway i was told. The insurance company should pay for the box if anyone but they put a collection on my report and are continuously attempting to collect a debt that i don't owe. I have tried to resolve this with the credit bureaus but had no success. Please help me get this removed from my report. I don't feel it is my responsibility.

Company response to consumer: Closed with explanation