vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 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: GA

Complaint narrative:
On XX/XX/2021, I sent formal complaints and an Identity Theft Report to XXXX, Transunion, and XXXX  in regards to inaccurate reporting on my consumer report. 

It has been well over 30 days and I have not received a response and have not seen these items removed from my report.

As required by the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

They are also fraudulently verifying information on my consumer report. Pursuant to 15 USC 1681d, an
investigative consumer report can not be prepared on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living ( which 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 ), whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( XXXX ) ; and ( B ) the person will comply with subsection ( b ). 

They are violating the law.

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 2021-08-31 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: GA

Complaint narrative:
On XX/XX/2021, I sent formal complaints and an Identity Theft Report to XXXX, XXXX, and Equifax in regards to inaccurate reporting on my consumer report. 
It has been well over 30 days and I have not received a response and have not seen these items removed from my report.

As required by the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

They are also fraudulently verifying information on my consumer report. Pursuant to 15 USC 1681d, an investigative consumer report can not be prepared on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living ( which 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 ), whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

They are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: EQUIFAX, INC.
State: DC

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
Yes my interest rate is 13.5 % yes I do not have great credit but during the covid they did not work with me at all zero that just kept threatening to take my house they wouldn't give me a forbearance they wouldn't do anything and during my divorce 17 years ago I did get the extended payments so they set up got all those so I couldn't get that there's nothing that they would do to help me during covet I have XXXX and I take XXXX and I'm still making my payments when my social security check I get behind and they harass me to know in the company is Vanderbilt mortgage they are awful the worst company and I've talked to other people that's actually not even behind like I am and they're like 15 days late and they start harassing them they would not help me at all nothing zero ok

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 2021-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
In XXXX of 2021 I sent a communication to the 3 CRA as well as FFCC-XXXX  for verification as well as validation of the debt I do not believe was mine. I have sent 2 letters to FFCC-XXXX  and they have yet to send any information to say who they are, where they are from and where is the actual proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX, sent me a letter of {$390.00} with a offer to settle with my debt paid in full, a response needed by the end of XXXX. On XX/XX/XXXX of XXXX, I messaged the client through their website to pay the amount as soon as possible, leaving my contact information. After getting response, I emailed the attorney ( on XX/XX/XXXX ) there who I discussed the case with, her name is XXXX XXXX. I again received no response. After that, I messaged them again on their website and said that if I receive no response in 5 business days, the debt is considered settled in full. I again received no response. Today on XX/XX/XXXX I called and did get a response, but they said the offer was no longer available and knowledgeable that they had in fact received my messages. The person I spoke with said their client was behind the offer, he then told me the offer on the table is 45 %, which is much more than the offer I was offered, accepted, and responded to in the correct window.

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 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
I have a XXXX XXXX XXXX XXXX here in XXXX Washington. 
On XXXX XXXX, I received an Auto finance loan from a Company called XXXX in the amount of {$50000.00} ( XXXX XXXX dollars ) .Within sixteen months the principal and interest was paid in full on XXXX XXXX. 
I received a letter from XXXX  that I owed them $ XXXXI asked them to call the local branch here in XXXX Washington where the loan was received and talk to the accounts manager who signed the contract and received payments on the loan but they told me their accounts representative quit her Job and they can not find her, Instead, XXXX asked me to find her and get a letter from her stating that the accounts was paid in full. 
I responded and told XXXX that I can not find her whereabouts if they can not, and she had received my final payments and signed off on my accounts on XXXX XXXX after correcting and error of an applied outstanding balance of {$6400.00}, fund paid that were not applied to the accounts during her off days. 
XXXX submitted this debt to a collection Agency called Caine & Weiner who threatened my company and my family with legal actions and also to destroy my credit with the credit Bureaus, so that I will not get any credit in the future. 
Caine & Weiner had a Law firm called XXXX XXXX XXXX call me and threatened me with a law suit. 
On XXXX XXXX, Caine & Weiner posted a Negative report on my personal credit files ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently filed a complaint against Equifax regarding a public record on my credit report. After disputing the bankruptcy the results confirmed it was verified by XXXX XXXX solution. I provided a letter from XXXX stating that the public record was deleted for several inaccuracies do not exist. I was then told they verified it with the courts. I mailed in a letter from the bankruptcy court stating they do not report any information or records to the credit bureaus. I called Equifax and a representative explained that they call the US bankruptcy court ( an automative system ) to verify. Which violates section 609 because the system can generate false information. I understand that information has to be verified from the original furnisher. I was told by a XXXX XXXX that the credit Bureau can call them and they will confirm anything in my file to resolve the issue. After spending countless hours on the phone with Equifax I asked if they could call and confirm with XXXX with me on the phone. I was told no and hung up on. It seems as if Equifax is working against me instead of helping me. The representatives are very rude, impatient, and constantly telling me to file a dispute online. I would like all supporting documents that was used to complete my investigation such as name of people that verified the information, dates, and times. I have asked for this information during my previous disputes and was not provided the information. My question is how is a Bankruptcy that do exist in my XXXX profile XXXX your listed vendor ) being verified. Please delete this negative and inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: FL

Complaint narrative:
This is not for one company in particular. 
I have 2 credit cards and one personal loan that I had to use to pay bills and to relocate for a job. ( All due to Covid ) When disputing this credit there is a selection for Covid 19 issues.

All my disputes came back ok, because I paid they, they are not giving indication to the Covid issue.

If the government is offering grants or assistants for this debt, it should be noticed at the Credit Bureau of investigation, yet noting implied that I selected a Covid problem or any direction. I'm trying to get my credit score clean so I can be in good standing to purchase a home. Please keep in touch and provide direction on the new law 's and rules for the Covid debt relief. Thank you very much, 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 2021-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BLINCLOANS, INC.
State: CA

Complaint narrative:
I overnight a payoff check and the company lost my check. I was provided the wrong address on email. I asked to speak to management or legal they refused let me talk to management.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I requested that National Credit Systems , Inc validate a debt that they previously tried to collect on XX/XX/XXXX. 

They are reporting that I owe for a joint account, but I have no records indicating that this is true. I am seeking validation of this information, but National Credit Systems has not provided supporting documentation. 

I received a notice from National Credit Systems dated XX/XX/XXXX stating that they did not have enough information to validate my claim. 

I asked for : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature -Proof that the Statue of Limitations has not expired on this account -Your license numbers and Registered Agent or Agent of Service -Proof that you are licensed to collect in my state They sent me none of this information. None of the documents they sent corresponds with a joint account. I will upload a copy of the forms they sent me.

Further more the signature on one of the documents seems to be forged as the signature date does not match the date of the original creditor dated signature. 

For example the original creditor signature is dated for XX/XX/XXXX. The other signature, which is supposed to represent my signature, is dated XX/XX/XXXX. 

How is this even possible? 

That means that National Credit Systems is also furnishing certain deceptive forms, which is against the law according to Fair Debt Collection Practices Act 15 USC 1692k Sec 812 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi, This is regarding couple of unusual and suspicious charges on my unemployment prepaid card account on XX/XX/XXXX, I complained this calling bank 's claims/escalation 3 times but this is not yet fixed, Their claims didn't give a satisfactory answer when I called them first time, the next day they said it's a " mistake ''. 

Their response seems suspicious and not acceptable, they must explain me and fix this asap. 
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 2021-08-31 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: TX

Complaint narrative:
Please remove inquieries XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Re Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies Factual Data Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXr Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies Factual Data Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks Factual Data Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: MI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One Auto Financial reported a few hard inquiries to my consumers credit report. I did Not give them my written consent or permission to do so. No consent is identity theft and unauthorized use. Capital One Auto financial had also sent me numerous of letters in attempt to collect a debt ( harassment ) which is also against the U.S. codes. Title 15 1692 ( d ). In one of the pictures below, Ive underline where Capital One states that This communication is from a debt collector and is an attempt to collect a debt ; any information will be used for that purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CA

Complaint narrative:
Hello, I have made numerous attempts to contact Equifax and XXXX  on XXXX, XXXX, XXXX, and XXXX regarding the incorrect/inaccurate errors on my credit report. I have received no response from Equifax and XXXX  has only updated the inaccurate information with no other findings or explanation. This has become a hardship as this incorrect information is impacting my ability to purchase a home as I am currently in the process. I have sent numerous letters and XXXX has removed the inaccurate reporting as of XXXX, but Equifax and XXXX  have not. This complaint is to document the companies non-compliance within the statutory time period30 daysto my request for re-verification. I assume they have not been able to re-verify the information I have disputed. Therefore, they must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report ASAP. Please I am asking for any assistance with this matter as it has been well over the allotted 30 day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Repetitive calls on XX/XX/XXXX and XX/XX/XXXX to my work number, which is disruptive to the office and staff. Prior to my down turn, I contacted credit card company to work out a plan and was told they could not offer any form of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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:
Hello, my name is XXXX XXXX. Im writing in regards to my credit profile. Ive noticed some fraudulent accounts that I did not authorized. I am a victim of identity theft. I recently notified the FTC and completed a affidavit. The items that are not mine and should be deleted are listed below. 

According to the FCRA there are laws put in paced to protect consumers to ensure accuracy and fairness. According to the FCRA you are in violation of law 15 U.S. Code 1681c2. It has been well over the allotted time frame of 30 days since receiving my dispute letters. I have not been able to get this resolved with the credit bureau.

Company response to consumer: Closed with explanation