vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history are incorrect and inaccurate. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX Balance : {$190.00} ALLY FINCL XXXX Balance : {$33000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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:
When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im responsible person and I dont like to see it on my credit report. Im sure that some person hacked my profile and get my personal information!

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 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
This account was originally mine, but was compromised and was closed at XXXX with Zero balance. I opened a new account which is current. I then started receiving letters from debt collection stating they had bought the debt and were attempting to collect an outstanding balance. I am not responsible for this debt, its over 10 years old and originates to 2012. These debt collection agencies continue to sell and buy a invalid debt that is over ten years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. XXXX XXXX CO The creditor replied they would remove the disputed item but the bureau is still reporting the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: GA

Complaint narrative:
I have made NUMEROUS unsuccessful attempts to remove the INACCURATE INFORMATION that appears on my Experian ACCOUNT ONLY! Per the credit report received XX/XX/2022, Public Records Information. 

If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through a third-party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, or visit https : XXXX. 

HOW is this possibly true. As I have attached the XXXX Report, they DO NOT have any records for me regarding bankruptcy and the letter from the Bankruptcy Courthouse. Therefore PLEASE ADVISE AS TO WHY THE INFORMATION CONTINUES TO REPORT AS VERIFIED.? XXXX AND XXXX REMOVED THE INACCURATE FRAUDULENT INFORMATION years ago, however, I have experienced issues beyond issues of EXPERIAN inaccurate reporting that have caused me stress, anxiety, heightening of my XXXX, Major XXXX, etc.. I have previously filed a complaint with CFPB, and they responded to you, and you ( EXPERIAN ) STILL did not REMOVE THE INACCURATE INFORMATION. Therefore, I will file a complaint with the FTC today and a lawsuit for damages I incurred due to the NEGLIGENCE OF EXPERIAN FALSE VERIFIED REPORTING. I AM ATTEMPTED TO PURCHASE MY HOME AND THIS HAS HINDERED ME, causing IRREPARABLE DAMAGE to include : 1. WILLFUL FAILURE TO EMPLOY REASONABLE PROCEDURES TO ENSURE MAXIMUM ACCURACY OF CREDIT REPORT 2. NEGLIGENT FAILURE TO EMPLOY REASONABLE PROCEDURES TO ENSURE MAXIMUM ACCURACY OF CREDIT REPORT 3. WILLFUL FAILURE TO REASONABLY REINVESTIGATE 4. NEGLIGENT FAILURE TO REASONABLY REINVESTIGATE 5. FAILURE TO INVESTIGATE Following this complaint, a complaint with be filed to the FTC with attachments for further investigation.

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 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We lost 100 % of our income when the Covid-19 pandemic hit. The government " made '' banks/servicers offer several options to homeowners, including deferrals. However, the government forgot to include tax and insurance and with the high property taxes we have, we asked our servicer to put the taxes on the back end of the loan. They said the only way to do this is for us to apply for a loan modification. We sent all requested documents, the servicer failed to use our full income and after several months of phone calls and letters citing their error, we finally decided to file a complaint with the CFPB. 

Once we did that, the servicer finally used the correct income. Originally they used just over {$4000.00}, to finally using our full income of over {$8000.00} and still denied us. They offered us a deferral agreement on XX/XX/2022, and gave us 30 days to respond to it. We signed, sent it in, as well as made our payment prior to the written contract 's expiration date and on XX/XX/2022, the same day we signed, they breached our contract and canceled it. The contract said sign and send in, we did. It did not say anything about making the payment but we did anyways. 

Pre-Covid, our payment was just over {$2400.00}. Post covid, it was just under {$2900.00}, and post-breach of contract, it's now over {$3000.00}. The payments that were supposed to be deferred will now be added for a payback with the amount exceeding {$4000.00} a month. Working with this servicer has been very difficult. They could not count our income right, they can't count 30 days right, it's absolutely frustrating!!! 

At this point, we are preparing a complaint, including all that were submitted to the CFPB to send to all government and state agencies that monitor and assist in these matters. We will set up accounts but will await the servicer 's response to this formal complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: MD

Complaint narrative:
A previous claim # XXXX was filed on my behalf by my Identity Theft insurance provider, XXXX XXXX XXXX from XXXX but because it didn't come directly from, it was rejected by CFPB. Please open a new case based on the following description : On XX/XX/XXXX, my laptop was locked with a recurring message to call a number to XXXX which I did. The imposter XXXX rep claimed that my XXXX XXXX accounts had been hacked without success and no withdrawals had been made. But to insure security, they needed to open up a consolidation account with Binance, US. Before I realized this was a hoax, I had provided my driver 's license number to the impersonating XXXX and his alleged XXXX XXXX accomplice and they attempted to open up a Binance US account in my name. I even got a code email from Binance US that was a step in the account initiation process. 
I have never received a confirmation from Binance US whether an account was opened in my name or not and if it has, I want the account closed. 

Please investigate and advise. 

My Email is XXXX and my cell is XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Your company is in clear violation of the law. Under 15 U.S. Code 1681b- permissible purpose of consumer reports,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have received letters that TD Bank has now 3 open checking accounts in my name, using my home address The account numbers are : XXXX first letter that my account was overdrawn received with a date of XX/XX/22 XXXX also overdrawn first letter dated XX/XX/22 XXXX also overdrawn dated XX/XX/22 acct ending XXXX has sent payments to XXXX XXXX via XXXX acct ending XXXX has sent payment to XXXX XXXX via XXXX acct ending XXXX has sent money to both XXXX XXXX XXXX XXXX and XXXX XXXX via XXXX bank transfer It appears that they are feeding one bank account into the others to keep sending money through XXXX and XXXX Bank maybe As a side note. I belong to a local XXXX XXXX called XXXX XXXX  XXXX XXXX and several members were discussing having the exact same thing happen with the same bank at the same time as me. The members name is XXXX XXXX XXXX XX/XX/22 and I'm going to try to attach the page here : https : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I'm applying for a mortgage and it currently showing on my credit report that my account is in dispute. However I'm not disputing anything currently so I need all disputes comments to be removed asap. I need the XXXX account dispute to be cleared and the comments removed. I'm purchasing a house so I need those disputes comments removed. Please close the disputes on my XXXXr account and remove the comments asap. the XXXX account number should be ending XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MA

Complaint narrative:
Hi my name is XXXX XXXX and Im a federally protected consumer, and I am making this complaint against NCB Management Services , Inc for committing identity theft. I have never give NCB Management Service Inc any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NCB Management Services Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NCB Management Services Inc continues its collection efforts I will file for litigation for actual damages caused and NCB Management Services Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice you are hereby notified Pursuant UCC 1-202. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Your Agency is violating my rights under 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. this report is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MD

Complaint narrative:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Accounts : XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : $ - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : $ - Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
My credit report shows a collection account with a company that I have never done business with. A collections company has reported this debt which recently hit my credit report and has negatively affected my credit score. Apparently someone used my name and social security number to open a XXXX XXXX account with an address in a different state. The collections company only has my name and social security number but the incorrect address. I have never received any information from the collections company, only found out about the situation from monitoring my credit score and viewing my credit report where the collections information is available. I never opened a XXXX XXXX account nor lived in the state that was used fraudulently in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have two accounts with XXXX XXXX that were both charged off as of XX/XX/XXXX. Now this company has said these have been charged off again starting XX/XX/XXXX. At this time this data in inaccurate for I do not believe they are able to charge them off twice. They have changed this information on my credit report and now it will not pull correctly on credit reporting sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: OK

Complaint narrative:
Good Afternoon, I am struggling to get the credit bureaus to remove these hard inquiries from the XXXX XXXX XXXX company. My husband and I started the process of refinancing our house in late XXXX and it ended up taking more time than it should have. XXXX decided to run our credit over 6 times without our permission. I have been trying to get the credit bureaus to remove all duplicate non authorized inquiries off my record. They advised me to call XXXX XXXX and I did that I spoke with a XXXX today ( XX/XX/XXXX ) who told me I have to dispute them with the credit bureaus. So here I am needing assistance since they won't remove them. I need all 4 of these removed since they were not authorized by me these all duplicate inquiries they did without my permission and they can't provide any proof that I signed off on this. EQUIFAX MORTGAGE SER XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have noticed that Experian is now days plagued with incorrect or missing information. The company not only is Inaccurate they also shields behind " heavy calls volumes '' and do not return phone calls asking for answers. The company is acting childishly and shady. I have noticed it few years ago, however, the practice is becoming " as usual '' in the recent times. Since they hold important information a disruption of the individuals financial life is predictable. I believe that Experian act on a conspiracy theory where the company VOLUNTARILY omits information or hire individuals not so able to work on its contest. 
I urge the federals to launch a full scale investigation amid possibly voluntary misleading financial information. 
Respectfully 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 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Amsher Collection Services, Inc.
State: IN

Complaint narrative:
I went to XXXX XXXX store close to my house to inquire about XXXX XXXX pro and I was given the information then I went home so when I went back to actually see if I could switch my phone to the new one I was told I already have a line open and was not qualified for the promotion they had. This was a month after so they said I owed {$270.00} at the time of which they look in their system and found out that for that month the number they assigned me was never used they didnt have any paperwork that assigned in agreement with this service so the manager at the time said he was going to call his boss and see if that can be fixed. I called him 3 days later and he said he havent had anything yet from his boss. After that I continued to call him and would be told he was not their. I called customer service and they said they would take care of the account and they never did. Before I know it this account showed up on my credit. I called the collection company and they said I have to talk to XXXX fraud company so I called and was told it will be taken care of within 7 days. That didnt happen I disputed it tie time with XXXX  XXXX and the said the collection company said the account was valid. So I dont know how this can be solved I have tried everything I know and that I was told but no one is there to help. Please help me resolve this issue because I dont owe this company like they are saying. They need to show paperwork of the agreement and my signature. Thank you very much for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: FL

Complaint narrative:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MI

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a business checking account with TD Bank. 

I received a new credit card as my old one was hacked. 

I called the bank to let them know that I would like my credit card linked to my online checking account so that I can view all my TD bank accounts on one website and make payments check balances etc. 

When I called the 888 number i was directed to 4 different departments and then the best part the last one told me to go back to the same department I had originally called This incompetence has got to stop as If they don't know their own systems especially when all the banks in the USA offer common online banking information there is something wrong with TD processes. This could result in the consumer being misled in future other transactions or accounts.

Company response to consumer: Closed with non-monetary relief