vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX reported XXXX student loans to the credit bureaus as each having late payments from XXXX - XXXX of 2017. During this time I had a consolidation loan processing that held up my IDR application and was told verbally that the accounts would be placed in hardship forbearance since there was no way for me to pay such a high amount when I was unemployed at the time. I also stopped receiving emails about payment reminders, so I had no reason to doubt this was the case. Now I am looking to purchase a home, but because each of the loans ( now consolidated ) are showing as individual late payments it is severely impacting my credit and ability to get a mortgage. XXXX is no longer in business and as such there is no way for myself or the credit bureaus to contact them to have this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: Alorica Inc.
State: WI

Complaint narrative:
I had a charge off with XXXX. XXXX transferred the account to SST. I paid off the charge off in full on XX/XX/XXXX. SST said they would report to the Credit bureaus. They didn't. XXXX said they can't change the status because XXXX no longer has the account and they don't contact the new account holder. 
SST 3x has given me 3 separate dates that they will report this to all 3 credit bureaus including that it may be several months because the are new at this. 
The Account should read charge off paid in full instead off just charge off. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
On XX/XX/XXXX, the USPS stamped that Mohela received my revised PSLF form to per XXXX XXXX response to the prior complaint I lodged on this site. Today I called Mohela to check the status of my PSLF application. When I entered my SS number, the recording stated : " PSLF form last received on XX/XX/XXXX. '' this is unacceptable!!! Now I must wonder and worry about the status of my PSLF application, with no way to speak to ANYONE about the true status, with only an erroneous response from mangled XXXX!!! I need the TRUE status of my time limited, modified PSLF, which I originally submitted before the XX/XX/XXXX deadline! Also, due to president Biden 's new regulations imposed on student loan balances, I need to know the recalculation of my student loan balance, per the new rules, as I have been involuntarily retired due to age discrimination, and need to financially plan going forward for tax and retirement purposes!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
**** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** READ THE MESSAGE OR ASK SOMEONE WITH A FUNCTIONAL KNOWLEDGE OF ENGLISH TO ASSIST YOU**** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** READ THE MESSAGE OR ASK SOMEONE WITH A FUNCTIONAL KNOWLEDGE OF ENGLISH TO ASSIST YOUXXXX  On XXXX, I submitted documents for an employment data report from THE WORK NUMBER by Equifax . The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. After getting no reply, I submitted a new request and set of documents on XXXX. The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. I submitted a new request once again on XXXX after not getting any feedback and included the above reference numbers as a reply. I did get a response from that said there were no attachments found in my prior submissions. That is clearly wrong as evidenced by the referenced screenshots. I informed THE WORK NUMBER as much in a subsequent reply that, once again, included the requested documentation. The reference number is XXXX. See attachment XXXX '. After submitting the reply on XXXX, I also attempted to call THE WORK NUMBER in order to speak with someone that could confirm that the documents were received. I was unable to find any option in the phone tree for someone in that department specifically. I did speak to someone that I believe was general support for THE WORK NUMBER by Equifax and they were supposedly able to get a message forwarded to a manager regarding this issue, but it appears that has not helped. 

I then opened a complaint with the CFBP on XXXX, which the company responded to by completely ignoring my message and sending a copy of my regular credit report. They clearing lack any sort of reading comprehension skills. I AM NOT ASKING FOR A REGULAR CREDIT REPORT. I AM DEMANDING MY REPORT FROM ___THE WORK NUMBER__ which is owned and operated by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
I received multiple notifications of a debt via phone call on or about XX/XX/XXXX for approximately {$1400.00}. This bill was for my son XXXX XXXX, for services rendered from XXXX XXXX XXXX XXXX. These calls were sent from a third party debt collector XXXX XXXX XXXX. 

My wife and I attempted to reconcile this alleged debt with Tri-Care insurance and XXXX. After the third attempt to collect, I corresponded with XXXX XXXX of XXXX XXXX XXXX, specifically requesting verification of my debt in accordance with The Fair Debt Collection Practices Act. 

He sent a " bill '' indicating that I owed " XXXX. '' Upon receipt of this document, I called XXXX XXXX to discuss. This conversation occurred XXXX XX/XX/XXXX. He, like I, had the same impression that nothing was owed. He alerted me he would be resolving the issue on his end and assured me it would be taken care of. 

On XXXX XX/XX/XXXX, XXXX XXXX sent me another message. This time he alerted me ( without a verification of debt ) that the alleged amount was valid and I should discuss the issue with XXXX XXXX. 

Please keep in mind, I have not received a verification of debt. memorialized in an email correspondence chain originated from my XXXX XXXX XXXX email. I will attempt to attach it to this complaint and have it ready to furnish if/when desired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX  ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX Account XXXX ACCOUNT : XXXX XXXX ACCOUNT : BANKRUPTCY 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 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a mortgage account with Wells Fargo for many years and they gave my wife and I a hard time regarding our refinance. We initially bought our home in XXXX and sold it in XXXX. However, our mortgage company was Wells Fargo for about 15 years. How can I find out if I can start a claim for the XXXX settlement?

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 2023-02-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over XXXX  days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. States 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over XXXX  days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. States 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

15 U.S.C 1681 section 602 A. States 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a home loan through Wells Fargo in 2013. I was behind on payments but had an agreement with Wells Fargo to repay and was told my house would not be put up for foreclosure if I complied. A week later they sold my house at auction and someone showed up saying they bought it and I had to leave. I had over {$100000.00} of equity in the home they took. I know there was a recent judgement against them and I believe I should be included. They have not attempted to contact me as this is the same phone number and email I had back then.

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 2023-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
No specific dates. I can guesstimate XXXX time frame because it was prior to my son being born. The original loan was acquired from XXXX XXXX XXXX off XXXX XXXX in XXXX, FL ... eons ago at this point. {$400.00} something dollars... When it landed at National Credit Adjustors LLC, we were in a bad financial position. However, paid off completely in XXXX to National Credit Adjustors after someone tried to scam us from a totally different company. It was reported to the XXXX XXXX XXXX. They were using my card to pay XXXX XXXXXXXX XXXX and their XXXXXXXX XXXX bill in Georgia. Well fast forward to XXXX XXXX - we are STILL getting threats and calls to be sued despite an email confirming payment from the credit Adjustors as well as a legal note saying we can not be sued for this debt. Now it just happens to be new characters that have false information in hopes to squander more money off a family who can barely afford to put food on their table! My kids can barely enjoy XXXX twice a year and they want to take our spending cash for themselves. It's just simply disgusting. It's selfish, rude and despicable behavior for a grown adult to commit fraud and theft for their lavish lifestyle. XXXX XXXX and XXXX XXXX as they've said their names are, who really knows, but have provided us their fax number as XXXX. In the voicemail they say they are a " Private carrier from the county, we will visit your job and require identification and signature ... '' Their call originated from XXXX and came up as Scam Likely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CA

Complaint narrative:
I, XXXX XXXX, asked the credit bureaus to do a verification through a thorough investigation of the items listed in this complaint and also listed below on my credit my credit report. They stated that the accounts had been verified as accurate. However, I did an investigation into my credit report myself and found inaccuracies after they did their thorough research. 

Name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX : XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts # : XXXX, XXXX, and XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CA

Complaint narrative:
I, XXXX XXXX, asked the credit bureaus to do a verification through a thorough investigation of the items listed in this complaint and also listed below on my credit my credit report. They stated that the accounts had been verified as accurate. However, I did an investigation into my credit report myself and found inaccuracies after they did their thorough research. 

Name : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts # : XXXX, XXXX, and XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 instructions.

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 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The following accounts don't belong to me they are fraud accounts. I have listed these accounts in my FTC report. I demand these accounts be removed from my credit report and blocked from any future reporting. I have attached the following information for your review. I have been a victim of identity theft, my information was found on the XXXX XXXX  as well as XXXX and TransUnion were exposed. I demand the blockage of these accounts. I am in the middle of purchasing a home and these items are affecting my closing. Failure to not comply with my demands will sue for defamation of character, and violation of my rights to privacy. I will pursue this in small claims court if my demands are not met. Federal law requires all information to report accurately if not removal is needed. 




1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as those stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original do curse and wet signature if you can't provide these items Delete them.

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 2023-02-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The following accounts don't belong to me they are fraud accounts. I have listed these accounts in my FTC report. I demand these accounts be removed from my credit report and blocked from any future reporting. I have attached the following information for your review. I have been a victim of identity theft, my information was found on the dark web as well as Equifax and XXXX were exposed. I demand the blockage of these accounts. I am in the middle of purchasing a home and these items are affecting my closing. Failure to not comply with my demands will sue for defamation of character, and violation of my rights to privacy. I will pursue this in small claims court if my demands are not met. Federal law requires all information to report accurately if not removal is needed. 




XXXX. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as those stated below if you can not produce these items, you must delete them. 

XXXX. XXXX. Validation of the debt-that is, the actual accounting. 
XXXX. 
XXXX. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
XXXX. Please provide the original do curse and wet signature if you can't provide these items Delete them.

Company response to consumer: Closed with explanation