vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX has received a certified letter as well as documentation to verify my current address, full name, ssn etc. They refuse to correct the inaccurate addresses they have listed, even after receiving proof of residency from me. Remove any names other than my full name which is provided to them with my ssn card and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed the accuracy of the information on my credit report as listed by XXXXXXXX XXXX  Experian responded that the information was verified as accurate, I requested an investigation. They stated that the information was verified as accurate. I put in a complaint with your office and the company said they provided me with contract and payment information by mail, they did not and have not to this day. I mailed a letter to Experian requesting a copy of the statements and contract with them and any document giving them the ability to collect because I do not have an account with XXXX XXXX XXXX called Experian to determine if this information request was listed correctly, it was not. I asked them today via phone for the method of verification of accuracy based on 611 of fcra XXXX XXXX and the special services department told me that they had no idea what I was talking about. It is my understanding that the credit reporting agency provides consumers with a method of verification based on that rule.

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 2022-03-08 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: CORELOGIC INC
State: OH

Complaint narrative:
Inquiries that I didnt authorize.

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 2022-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I am sending this again because you think Someone else is doing this for me. No, Im doing this for me, XXXX XXXX. Except this from ME please. 
XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, These items must be removed immediately from my credit report CFPB

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 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I moved into an apartment in XXXX XXXX XXXX XXXX  called XXXX XXXX and a few months after moving in I went home to XXXX  for 2 weeks for a family emergency. I had gotten a call from a neighbor next door that they were several people in my unit. I called the 24 hour security the second I found out and he went right to the unit and a female opened the door while I was on the phone with him. 
He specifically asked her if she was ( my name ) she replied with yes. They did not make her show ID to prove her identity. I called the police, I called the property several times and there was nothing anyone could do to get her out. I turned off electric to try to run her out. Then very rudely was notified the next day by the office that Im not allowed to turn it off during an active lease so the property had it turned it on again through there company name. I was exchanging emails and phone calls with the company and nothing was done. With signed permission from me to the property through email, I had a friend go to my unit to make sure nothing was damaged. She had to give her ID in exchange for keys to the unit. This was allowing her to go in to make sure things are OK on my behalf. When she was in the unit, all my furniture, TVs, kitchen goods, everything had been gone. Im told I owe over {$8000.00} to this company. I have been fighting for years. I stopped all communication with them as they are not helpful. Always told nothing can be done due to squatters rights but what about my rights as a tenet. They did not protect my unit knowing there was nothing I could do while away. This place has caused me nothing but trouble. I have made police reports hoping it would help resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been monitoring my report and I noticed that my credit score went down to 10 inquiries that I did nit authorize and it took my score down very low and It has impacted my life with added stress with the XXXX. I am really in the red zone right now and I do not agree with the actions taken

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 2022-03-08 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: PA

Complaint narrative:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : 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 explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America stated I would be held responsible for a fraudulent charge that I did not make though XXXX. There is evidence submitted to them that the address on the card did not match the delivery address of the fraudulent charge. The name and phone number associated with the delivery of the product also did not match the name of the cardholder. A total of XXXX  was fraudulently placed on my credit card. They did credit the account but are now reversing the credit and making me pay for this fraud charge.

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 monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: OH

Complaint narrative:
This is regarding the XXXX XXXX XXXX and subsequently a debt collection agency called Contract Callers , Inc. 

I vacated my apartment in XX/XX/2021. The account was marked as satisfactory and closed as of XX/XX/2021. My electric account statement shows that all my balance was paid in full. However, a couple of weeks ago, I check my credit report and see that a debt collection agency has reported me for not paying my electric bill. I have always paid my bill on time through autopay. Neither the electric company, nor the debt collection agency made any attempt to contact me via email or phone even though they have all my information with them. 

Upon contacting the energy company, I was told that I had a pending bill. When I told them my account number and informed them that the pending balance is {$0.00} and the balance is paid is full, they tell me that you won't see the last balance because your account was closed, but you have {$170.00} pending. How am I supposed to know that there is any pending balance when I check my account summary and it say paid in full. 

When I asked them this question, they say that you were sent an email, but I have no email records from the company. I've been trying to get in touch with someone to help me out with this issue, but no one is helpful. 

This is reflecting on my credit report now, and neither the electric company nor the debt collection agency are willing to help. I want to reiterate that no attempt was made to get in touch with me for close to a year either by email or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Student loan — Federal student loan servicing
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: GA

Complaint narrative:
I have been trying to dispute Equifax for months about my 6 Consolidated Student loans through US Dept of Ed that were reported through the pandemic as in Collections and Account Status 120+ past due ( XXXX ) instead of Paid in Full by Consolidation and in Federal Forbearance like the Cares Act instructed. My family and I have been negatively impacted by this and my credit scores, I haven't been able to get the house I need as a essential worker because of this. I called the Us Dept Of Ed on this and they agreed with me that these things should be cleaned up because these accounts are Paid In Full by Consolidation but Equifax is telling me they are confirming these disputed things. It's confusing and a dead end loophole.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: NC

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

Company 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 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I wrote a personal check for {$50.00} to a relative for a birthday gift. The birthday card and check were sent via USPS mail was stolen somewhere in IL - as the intended recipient was in CA. 
I have reached out to Chase to dispute this about 38 days after the check was posted against my account. This check was washed, had a forged signature and new amount of {$490.00}. It was chased in person by a non Chase account holder at a Chase branch where no signatures were checked. The Chase Bank also received a fee for cashing this for a non account holder. I feel that they participated in fraud by not checking signatures. 
I have went to the XXXX police department and filed a complaint. They investigated and determined that a fraudulent ID was used to cash this check. 
Chase was unable to assist the police department with any video of the transaction, stating that they do not keep videos for more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
I was in a forbearance period due to COVID-19. As soon as I was able, I contacted the mortgage company which at the time was XXXX XXXX XXXX to request a loan modification. I received the paperwork, it was acceptable and I signed and had notarized all of the documents. In the meantime, I received some correspondence from Community Loan Servicing that they had purchased my loan. I didn't care as I was told they would honor the agreement I had signed with XXXX. I spoke with tons of representatives over the course of time trying to find out who I was supposed to pay, how much, when due, etc. but got the same response every time that they were working on it. At least six months have passed. Last week I received a loan modification packet from Community Loan Servicing which has been completely redone. The interest rate is higher as is the monthly payment. I had already signed the documents for the forbearance loan prior to my loan being sold. I didn't believe that selling a loan changed the terms. I would like to move forward with the original loan modification that was signed and delivered according to instructions. I don't believe I should be penalized because another vendor took possession of my loan. I didn't have a say in that. Please respond as soon as possible. I'm so worried that if something doesn't happen soon my home may be repossessed. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: PA

Complaint narrative:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: PA

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: PA

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : 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 2022-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have been sending letters to all 3 credit bureaus including you about fraudulent accounts. No one hears me when I say delete these accounts off my credit report immediately. This is XXXX submitting this report. Im also uploading my personal information. Please accept. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter requesting the removal of unauthorized inquiries on my report which I do not recognize. From XXXX, I didn't even receive a response concerning these inquiries at all nor were these inquiries removed which is damaging to my reputation and credit report. From the other two, they didn't do anything to remove them at all. This shows that our information can be requested and distributed without our permission. This isn't how it should be ... no privacy anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter requesting the removal of unauthorized inquiries on my report which I do not recognize. From XXXX, I didn't even receive a response concerning these inquiries at all nor were these inquiries removed which is damaging to my reputation and credit report. From the other two, they didn't do anything to remove them at all. This shows that our information can be requested and distributed without our permission. This isn't how it should be ... no privacy anymore.

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 2022-03-08 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: MI

Complaint narrative:
This is XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: MI

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

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