vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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: CCS Financial Services, Inc.
State: CO

Complaint narrative:
Collection Agency : Credit Collection Services, XXXX, CA ( CCS ) Original Debt : XXXX Amount : Unknown, says Not Reported on my report. 
Originally reported to XXXX XX/XX/XXXX. 

I have disputed the collection from CCS for XXXX that is not mine but on my XXXX Credit report, yet CCS continues to say it is accurate. 

XX/XX/XXXX - Dispute online through XXXX XXXX XXXX XX/XX/XXXX - Dispute online through XXXX XXXX XXXX I did not track dates of attempted calls to CCS to discuss the collection and give more details. Calls made resulted in holds up to 2 hours long before giving up, or just getting disconnected. Initial message is always something like, your wait is 10 minutes long, or less than 5 minutes. 

XX/XX/XXXX - Mailed letter to CCS via USPS and have not received a response. 
XX/XX/XXXX - Submitting complaint to cfpb and will resend letter, giving them the benefit of the doubt they did not receive the original - but unlikely.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: LEXISNEXIS
State: CA

Complaint narrative:
I am writing this complaint to LEXISNEXIS I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: GA

Complaint narrative:
The late payment on my credit report is inaccurate. I was late due to the covid 19 pandemic .in which i lost my 2 jobs and i was unable to make payment in time.in which i ask for some extension.so asking you to ask them to remove from my credit report base on the law article of covid 19 pandemic. The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) But if you make an agreement for payment relief before you fall behind, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act requires that creditor to report your account as current on your credit reports Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The late payment on my credit report is inaccurate. I was late due to the covid 19 pandemic .in which i lost my 2 jobs and i was unable to make payment in time.in which i ask for some extension.so asking you to ask them to remove from my credit report base on the law article of covid 19 pandemic. The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) But if you make an agreement for payment relief before you fall behind, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act requires that creditor to report your account as current on your credit reports Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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:
I am interested in processing disputes for all inaccurate information on my credit report with transunion. please delete all information listed. this information is not 100 % accurate. delete all listed items that needs to be cleared to correct my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have disputed multiple items on my credit report and they came back verified and I sent notice of only one Address and name and they also refused to remove the others

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: MA

Complaint narrative:
there is a fraudulent inquiry on my credit report that transunion will not delete which is in direct violation with the FCRA. XXXXXXXX XXXX posted an inquiry in XXXX of XXXX and I never gave that company permission to pull my credit. Ive called transunion and spent hours on the phone with them and they refuse to delete this inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
THE FOLLOWING INQURIES ARE UNAUTHORIZED -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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:
THE FOLLOWING INQURIES ARE UNAUTHORIZED -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: IN

Complaint narrative:
The bank in XXXX I had gotten a call from XXXX  XXXX XXXX about my mortgage. They said I was XXXX dollars behind I told them this was not possible. I then took my papers and receipts to the bank. I had everything paid to date I ask what the problem was and the woman who was helping me was on the phone with a man and she told him I was up to date with my paperwork and receipts. The man told her on the phone to tell me to leave the bank. There was nothing they can do so they kicked me out of the bank. So I left the bank and tried to find a lawyer I went to 12 different lawyers and no one would touch the case. So I started a battle with the XXXX  XXXX XXXX to plea my case. So out of no where I get a call from a man that claimed he could fix my mortgage account. So I trusted this guy and gave him some info so he told me he would call me back so i did wait and in two weeks still no call. So I make a police report with XXXX XXXX Sheriffs Office. A month later I get a letter from the FBI saying they arrested a man on five different accounts of fraud. So for years I don't hear anything. So three years ago I get a call stating that there going to prosecute a man on fraudulent activity and since then there have been two more arrests. In the meantime we are trying to sell the house. The mortgage company is coming up with all these different numbers on what we owe. There are modifications that I did not do, late fees and they are adding up. We have dished out thousands of dollars to fix the problem and the numbers never go down. They are always the same. I had to take money out of my annuity 2 or 3 times and taking out small loans also but nothing has changed as far as the amount of money owed to them for the mortgage. It has caused a financial distress and it still on going.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: FL

Complaint narrative:
I am interested in processing disputes for all inaccurate information on my credit report with experian. checking my file ive noticed alot of invalid data. review the information submitted an delete all files that are inaccurate to help clean my credit report asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 602. He states I have the right to privacy 15 USC 1681, section 604 a, Section 2. It also states a consumer reporting agency can only furnish an account with my written instructions. Under 15 USC 1666-B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: SC

Complaint narrative:
XXXX XXXX account XXXX XXXX XXXX XXXX This accounts i have disputed for 5 times now and nothing have been deleted. I have sent in a police report fraud package and ftc report which i already submitted like 4 times and still Equifax violates my credit laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Please remove all late payment reporting from my credit report. 


In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan a late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Dividend Finance Inc.
State: OH

Complaint narrative:
Initially a complaint was filed with the XXXX  with no resolution. The XXXX  complaint number is XXXX. This started as a business arrangement amongst three parties. The parties are the contractor ( XXXX XXXX XXXX ), the financier ( Dividend Finance ), and the consumer ( myself ). It took the contractor XXXX months to provide an install date from XX/XX/2022 to XX/XX/2022. This was despite the contract stating an install date of XX/XX/2022. This was issue number one. Issue number two On XXXX XX/XX/2022, the contractor misrepresented the system 's status and functionality to the financier in order to receive compensation. 
Also, on XXXX XX/XX/2022, via email, I notified the financier the system was not whole and not functioning as intended and that under no uncertain terms should the contractor receive payment. This is when the financier then altered the terms of the arraignment. Instead of exercising a modicum of due diligence and investigating my concerns, the financier released funds to the contractor anyway. Thereby putting the contractor 's interest above the consumer, this action deprived the consumer of equality in this arraignment. On several occasions, I spoke with and emailed the financier 's employees and stressed that they should do more to get the contractor out the correct my system 's issues. They did not do enough. The financier was under the misconception that they could compel the consumer to pay for an inactive system that was not functioning as intended. 
This situation continued for XXXX months and has resulted in Dividend Finance entering negative information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX  XXXX XXXX to share my information with a non affiliate third party. The Gramm Leach Bliley Act 15 USC 6801 Says that a financial institution is not suppose to share nonpublic personal information to a third party. XXXX  XXXX XXXX Bank are furnishing " Charge Off '' accounts onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a Credit report. XXXX  XXXX XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX  XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specific remedy that i am invoking. The telecommunication through any and all mediums would be telephone, email, social media and any consumer report. This Notice is pursuant to 15 USC 1692c. The Term communication pursuant 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt directly onto my consumer report which is a form of communication and i need this charge off account removed. This is als a direct violation of 15 USC 1992d ( 1 ) as my consumer report is my reputation and because this derogatory is being reported and causing harm to my reputation i am entitled to compensation as per USC 1692 ( k ) of monetary relief of ( {$1000.00} ).

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 2023-03-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
( XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX XXXX, XXXX ) XXXX  XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XXXX XXXX, XXXX ) XXXX XXXX Please remove these inquiries from my Equifax Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: IN

Complaint narrative:
I live in Indiana. My identity was stolen, and someone opened an account in my name in a state I have never been to or lived in for utilities with XXXX XXXX XXXX XXXX XXXX, in the amount of {$600.00}. This account was turned over to a collection agency in Kansas by the name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX KS XXXX XXXX. I disputed this on my TransUnion Credit Report after discovering it when I applied for credit for a car loan. Trans Union did an investigation and verified it as accurate! 
I called XXXX XXXX XXXX after the dispute was verified as accurate by TransUnion as they are the ones who put it on my report. They could provide no information claiming that they are going by what XXXX XXXX is reporting to them. I called XXXX who said to prove it wasn't mine, I had to verify my identity XXXX. I searched the web and was unable to locate this website. I am getting the run around and it has already cost me money. I had to purchase a car and my interest rate was 18 % due to this false collection on my account. It is common sense that someone who lives in Indiana does not have utility account in Kansas. They could have no proof of this debt as it is not mine! I need Help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing this complaint to INNOVIS I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation