vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Greetings, I have reached out to the following Credit Agencies on 2 separate times stating the following : On XX/XX/XXXX & XX/XX/XXXX See below companies and exact requested verbiage : XXXX  XXXX  Equifax XX/XX/XXXX letter : After reviewing my credit report, I noticed several accounts on my credit report that was either reporting incorrectly or I simply have no knowledge of. I have listed the account information below and the suggested outcome of each account. 

XX/XX/XXXX letter : Dear Credit Reporting Agency, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. As of now, you have not responded with the results of your first investigation. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I Disputed items on my credit report that are in accurate. It has been over 45 days and i still have not gotten a Response from the Credit Bureaus. i have also sent a demand to reply letter to the credit bureaus on XX/XX/2020

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 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I refinanced my home loan at the beginning of XX/XX/2020. The closing documents clearly stated that the XXXX property tax would be payed by the title company at closing. Mr. Cooper the loan servicer received those documents in XXXX. 
The loan had an escrow account that payed both property taxes and insurance. The loan servicer never returned the XXXX tax payment. They did return overages and interest. When I contacted them in XXXX about the missing money they said the money was payed to XXXX XXXX XXXX and that I should contact them. I contacted XXXX XXXX XXXX and they said they never received or did not accept a double payment. 
I have contacted the loan servicer more than a dozen times to attempt to get my money back. Only getting a follow up or return contact stating that I had made a call to them on one occasion. 
In the mean time the loan servicer changed the company that they use to pay taxes. 
I want the tax payment that was in my escrow account returned to me. I think that I should get interest as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are negative accounts that is well pass 13 years that should be off my report. I have made several attempts to have these removed. And they still refuse. the other two agencies have been deleted them. 

I tried to call again today to dispute and all I got a recording for a " freeze '' or a report. Unable to link with a live agent. 

Experian has the worst reporting and services. 

They need to remove all old accounts for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

: Accurate negative details can stay on your credit report for up to seven years ''. Those account are way pass the time limit.

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 2020-10-22 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: AVANTE
State: WI

Complaint narrative:
I received written correspondence from AvanteUSA that their company have purchased an account that's allegedly associated with my name. The date on the receipt of the letter is marked XX/XX/XXXX. According to the FDCPA I have 30 days to dispute the validity of the debt. I recently checked my credit report and noticed that this account is currently being published on it without proper validation. I also noticed that the alleged amount owed in the letter is different than what's on my credit report. This unverified and inaccurate account is drastically affecting my credit worthiness and stopping me from receiving funding during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for a person loan with Wells Fargo and got denied because misinformation, misunderstanding. I asked for {$150000.00} and I was pre approved according to banker, but things turned down because I asked to lower the amount and the other banker harassed me with further information with a gave previously. I work for the city of New York, my salary is direct deposit with my account with Wells Fargo., I bank with them for over 10 years, I never had a problem with, I have been discriminated by Wells Fargo . Please help me

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 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY 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 2020-10-22 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: OR

Complaint narrative:
Upon receiving a pre-employment screening report, I noticed there is an outdated address in California showing ( I haven't lived in CA in 16 years ) and also a record check in Arizona that is completely incorrect ( I have never resided in the state ). 

I contacted the screening provider, XXXX XXXX XXXX, presented the report and noted the outdated and incorrect information. It took several phone calls and an unnecessarily long e-mail thread over 5 days for them to relay their contact company they received the information from I would need to contact ; Lexis Nexis.

I opened a ticket with Lexis Nexis on their website under the appropriate category on XX/XX/XXXX, informing them of the same outdated and incorrect information on my background screening, and attached a copy of the report. 10 days later on XXXX, they responded and indicated they needed me to provide a copy of the dead individual. No one died, and I communicated nothing of that to them so that was confusing and I began to lose faith in their literacy and competence. I again repeated my request. 

11 days later on XX/XX/XXXX, they responded informing me they don't deal with my issue in their department and would need to contact the department of Lexis Nexis that handles background screens. I found this frustrating and an unnecessary delay having opened a ticket on their website under the correct category 22 days earlier. 

Regardless, wanting to finish the issue, I called the phone number today, XX/XX/XXXX. The representative I spoke to, after XXXX minutes of being very confused, informed me the company I Was calling was XXXX XXXX, which is a background screening company, and they had no record of a report being run on me in XXXX.This was very frustrating. I Tried to verify that they provided information to LexisNexis, the representative said he couldn't provide that information to me, but that they did not run a background report on me, and that I should contact LexisNexis. 

Tomorrow marks 30 days, many e-mails I've attached, about 5 phone calls and much of my wasted time for what should be a simple, functional and *IS* a legally guaranteed removal of incorrect or outdated information on my background report. I would like to request maximum penalties for LexisNexis for incompetence. If you could please provide me information the legal recourse I have to pursue damages or legal action against them for failing to abide by the FCRA I would appreciate it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I received written correspondence from XXXX that their company have purchased an account that's allegedly associated with my name. The date on the receipt of the letter is marked XX/XX/XXXX. According to the FDCPA I have 30 days to dispute the validity of the debt. I recently checked my credit report and noticed that this account is currently being published on it without proper validation. I also noticed that the alleged amount owed in the letter is different than what's on my credit report. This unverified and inaccurate account is drastically affecting my credit worthiness and stopping me from receiving funding during this pandemic.

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 2020-10-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I Disputed items on my credit report that are in accurate. It has been over 45 days and i still have not gotten a Response from the Credit Bureaus. i have also sent a demand to reply letter to the credit bureaus on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: PA

Complaint narrative:
On XX/XX/2020 I Disputed items on my credit report that are in accurate. It has been over 45 days and i still have not gotten a Response from the Credit Bureaus. i have also sent a demand to reply letter to the credit bureaus on XX/XX/2020

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 2020-10-22 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My last four of my social security is XXXX. 
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX  XXXX, XXXX XXXX, /XXXX XXXX   XXXX, XXXX XXXX,, XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of 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 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KLS Financial Services, Inc
State: GA

Complaint narrative:
Payment has been made to KLsfinancial

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I check my credit report and notice some things that do not belong to me. These accounts are stopping me from getting my dream home. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX US DEPT ED XXXX XXXX US DEPT ED : XXXX DPT ED/XXXX : XXXX DPT ED/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 2020-10-22 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: SC

Complaint narrative:
I check my credit report and notice some things that do not belong to me. These accounts are stopping me from getting my dream home. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX US DEPT ED XXXX XXXX US DEPT ED : XXXX DPT ED/XXXX : XXXX* DPT ED/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
To whom it may concern, In the late XXXX 's, my late husband took out a loan from Navy Federal Credit Union. I learned about the loan once he passed away in XXXX of XXXX. I have copies of the transactions between the bank and my husband. I never signed anything because I was unaware of the loan. Additionally, from my understanding, Georgia is not a debt consumption state and I was living in Georgia at the time of his passing. I was very disappointed to learn that Navy Federal Credit Union would have someone with this type of attitude working for them. The lawyer that was reaching out to me continuously harassed me and threatened me with a garnishment of my wages in XXXX of XXXX. In XXXX, I filed bankruptcy and included the loan in my filing. On XX/XX/XXXX, my current employer received a garnishment of my wages for this same loan. I'm furious. 

To resolve this matter, I would for Navy Federal Credit Union to leave me alone, return any money they have taken from me, pay any court fees I've incurred, and remove any blemishes they have caused on my credit report. 

I look forward to your reply and a resolution to my problem. 

Sincerely, Frustrated Customer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED A RECENT REPORT OF MY CREDIT AND FOUND SOME INNACURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT.WITHOUT MY KNOWLEDGE. THESE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND THEY ARE CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. IT HAS BECOME VERY STRESSFUL TO ME BECAUSE I SHOULD NOT HAVE TO GO THROUGH THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was checking my credit report and notice fraudulent accounts. I provided 2 forms of ID to prove my identity.

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