vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 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: GA

Complaint narrative:
I have attempted multiple times to dispute incorrect reporting and proof of debt that is being reported by XXXX XXXX XXXX XXXX. The account reporting is reporting as a charge off account with a balance of {$71.00}. The date of last active is reporting differently with all three credit bureaus for the same account. TransUnion date of last active is XX/XX/XXXX, XXXX date of last activity is reporting XX/XX/XXXX and XXXX date of last activity is reporting XX/XX/XXXX. Currently this account is reporting with XXXX every month as a charge off and is reporting with XXXX as being paid on time. Date of last payment with TransUnion and XXXX are reporting date of last payment XX/XX/XXXX but with XXXX date of last payment is reporting XX/XX/XXXX. This company has failed to provide me proper documentation to verify the debt belongs to me. In the comment it states that " charged off as bad debt, Profit and loss write-off '' but yet reporting a 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 non-monetary relief
Consumer complaint received 2021-12-22 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:
I have attempted multiple times to dispute incorrect reporting and proof of debt that is being reported by XXXX XXXX XXXX  XXXX. The account reporting is reporting as a charge off account with a balance of {$71.00}. The date of last active is reporting differently with all three credit bureaus for the same account. XXXX date of last active is XX/XX/XXXX, XXXX date of last activity is reporting XX/XX/XXXX and Equifax date of last activity is reporting XX/XX/XXXX. Currently this account is reporting with XXXX every month as a charge off and is reporting with Equifax as being paid on time. Date of last payment with XXXX and XXXX are reporting date of last payment XX/XX/XXXX but with Equifax date of last payment is reporting XX/XX/XXXX. This company has failed to provide me proper documentation to verify the debt belongs to me. In the comment it states that " charged off as bad debt, Profit and loss write-off '' but yet reporting a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There was someone using my social security number to open lines of credit and sending accounts to different locations and now my report has a lot of addresses with incorrect phone numbers and addresses.

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 2021-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XXXX I received a call from Wells Fargo stating that someone in Texas tried to use my debit card info to buy {$650.00} worth of things on XXXX and they stopped it but did not stop a {$1000.00} transaction made with XXXX, they proceeded to tell me the steps to reverse the funds by going into my Wells Fargo app and going to XXXX to refund the money, " note I have never used XXXX before and did not know what it done '' they then told me to put my email address in and the amount that the people took and write refund so they knew it was a refund I did so and then immediately knew I just got scammed for real, they lady I talked to used wells fargos phone number and lingo and stole money from me, I immediately called wells fargo and they said there's nothing they can do I have exhausted all resources to get my money back. Wells Fargo has been disrespectful the entire time and won't give me any answers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I was not able to work due to me and my family having XXXX. I contacted my auto loan company and they refused to assist me with options for payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and a XXXX XXXXt on XX/XX/21 my son was hospitalized with XXXX in which I stayed with him until XX/XX/21. I am unable to return to work until XX/XX/21. I notified the company and they falsely advertised that they will help customers with payment options during the pandemic. Ive called them multiple times and the agents would not let me speak to a supervisor. XXXX was the last representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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:
I, swear this information in my sworn statement is truthful to the best of my knowledge and understanding. My affidavit is being sent to you in response to you reporting the accounts above on my credit profile with your consumer reporting agency. Both the claims are disputed as inaccurate reporting and should be immediately deleted from Medical Data Collections Account and the 30 Day late payment from XXXX XXXX XXXX Account. 

Pursuant to 15 USC 1681b The Law clearly states by definition that investigation on a consumer reports according to 15 USC 1681a ( XXXX ) ( c ) ( XXXX ) is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on. THE LAW IS CLEAR BELOW, ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Equifax HAS NOT SPECIFICALLY addressed why they continue to respond that they are contacting the reporting agency to investigate when the law states clearly under 15 USC 1681a ( XXXX ) ( c ) ( XXXX ) " such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Equifax HAS NOT ADDRESSED that Under 15 USC 1681b you do not have permissible purpose from me ( the consumer ) under my FCRA rights to furnish either the 30 day late reporting for XXXX XXXX XXXX or the XXXX XXXX XXXX on my consumer report. The Law is clear : 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 : I want my specific FCRA Rights upheld. 

Equifax offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I XXXX XXXX drafted up and sent a letter on XX/XX/2021 stating that the federal violations that Convergent Outsourcing has violated in regards to an alleged debt. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( XXXX ) Infringed Upon a Consumers Right to Privacy. 

Convergent Outsourcing did not have any permissible purpose as well as was provided written permission to do this, these are federal violations subject to a {$1000.00} fine in accordance with 15 USC 1681n - Civil liability for willful noncompliance. 

After sending the letter I have not heard from Convergent Outsourcing regarding this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: NJ

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the Fair Credit Reporting Act by your company. This has me caused financial injury, defamation of character and hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
Have contacted Rent XXXX XXXX several times via the mail. Starting from XX/XX/XXXX until XX/XX/XXXX. Demanding stop reporting this account that came from a identity theft of my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Macy 's cancelled my store credit card undenounced to me. No notification that Macy 's cancelled my card that I've had for over 30 years Due to Covid, I did not visit this store for almost 2 years so they cancelled my account, driving my credit to debt ratio to in a downward spiral.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
This is regarding a debt collection attempt from National Credit Adjusters located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX for the amount of {$1300.00}. 

I do not know this company. I have never done business with this company. This company does not have any documentation with my signature on it. I have been trying to dispute the debt with the credit bureaus for 2 years and below are the most recent times. 

On XX/XX/2021, I sent XXXX, XXXX and XXXX a dispute for a collection company XXXX National Credit Adjusters XXXX reporting on my credit reports. I received nothing back. 

On XX/XX/2021, I sent XXXX, XXXX and XXXX a dispute for a collection company XXXX National Credit Adjusters XXXX reporting on my credit reports. I received nothing back. 

On XX/XX/2021, I sent XXXX, XXXX and XXXX a dispute for a collection company XXXX National Credit Adjusters XXXX reporting on my credit reports. I received nothing back. 

On XX/XX/2021 I sent National Credit Adjusters a letter requesting information on the debt, they responded with a vague settlement letter on XX/XX/2021. 

I mailed a certified letter to the company requesting validation of the debt on XX/XX/2021, they signed for and received my letter on XX/XX/2021. 

National Credit Adjusters is reporting a collection account to my credit reports. They did not send a notice or provide an opportunity for the debt to be validated or disputed. They did not respond and continue to report the debt. 

This is extremely frustrating and stressful. I've been disputing with the credit bureaus for 2 years and the ONLY responses I've ever received from them was a letter telling me that the debt was verified but when I ask for a copy of that verification or how they verified this debt or ask for information on who verified it, I get nothing back and have stopped hearing from all three credit bureaus. I finally reached out to National credit adjusters since I have NEVER received ANY letter from them since its been reporting on my credit report. I reached out by mail in XXXX and their ONLY response to me was that I can settle the debt at 50 % off. I then sent them another letter asking them to validate the debt with proof and was ignored. No company should have this much power over an individual and be allowed to ruin their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and realized that Equifax is not in compliance when reporting information to my credit report. The information they are reporting is NOT correct, accurate, and/or verifiable, and some of the information in my credit report seems to have been mixed or merged. Pursuant to the FCRA ( Fair Credit Reporting Act ), 12 CFR 1022, and the standards of their industry, all information reported by credit reporting agencies MUST be verifiable, MUST match, and MUST be accurate to ensure the integrity and consistency of the information they report. I've also requested Equifax to provide me with the agreement that bears the signature of the alleged debtor and proof of photo identification that was presented at the time of incurring these debts in order to ensure they properly verified these accounts. These errors and negligence have been causing me great inconveniences and have affected my ability to utilize my credit for personal, household, and family purposes. The referenced accounts need to be removed immediately and Id like to receive a copy of my credit report reflecting all changes made immediately. I have also attached photos of my credit report reflecting these numerous errors. 
XXXX XXXX Bank XXXX XXXX - credit card account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX - credit card account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent Experian a letter asking them what method of verification they used prior to reporting the Bankruptcy on my credit report. Experian 's result is " The compnay that reported the information has certified to Experian that the information is accurate. '' Who is the company. I have asked Experian several times to report the name of the company who is certifying and verifying the bankruptcy and they refuse to answer me. I am requesting that Experian either disclose the company that provided the information or remove the bankruptcy from 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 explanation
Consumer complaint received 2021-12-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX SPECIALISTS OF ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX XXXX ( Original Creditor : XXXX XXXX EMERGENCY XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX PA ) 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 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
XXXX sold an alleged debt on XX/XX/2021 to ERC in my name. Once I saw this on my consumer report I disputed it and asked for validation and they removed it on XX/XX/2021 because it doesn't belong to me. However, ERC knowing this alleged debt is unverified, then sold it to XXXX XXXX on XX/XX/2021 ( when it appeared on my consumer report ). This is a violation of my consumer rights to notification of alleged debts before being placed on consumer reports to allow for validation of the alleged debt, lack of privacy of my personal information, lack of consent to give out my personal information to XXXX parties ( identity theft ) and lack of reporting accurate information to credit bureaus. XXXX, XXXX and XXXX are all reposting this illegal, unverified and alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I am a first-time new homeowner and have a conventional XXXX-year mortgage along with taxes escrow with Loan Care LLC company XXXX I got a property tax bill that I sent the mortgage company to pay from my escrow account but it was never paid. I emailed the mortgage company and even called them on the phone two months in advance but I was told that I will be only be paid as it gets closer to the due date. Now I have to a penalty and additional due for no mistake of mine. I am trying to contact my county officials to help me resolve this. 

Please help me and guide me on this issue. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUOFF MORTGAGE
State: ME

Complaint narrative:
Runoff mortgage doesn't seem to want to pay for insurance on my house even though they are supposed to. I contacted them before closing and after stating the insurance policy hadn't been paid. They tell me they will take care of it, now months later I receive a cancellation notice from the insurance company stating it will be cancelled on XX/XX/XXXX. I called the company yesterday and they said they would take care of it. I filed an online complaint with them last night and still haven't received any update on getting the policy paid for. They did collect the money at closing, so they have been sitting on my XXXX dollars and using it for their own purposes and not mine.

Company response to consumer: Closed with monetary relief