vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello, To whom it may concern The companies XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, AND EQUIFAX are refusing to remove the following inaccuracies from my credit report after disputing the matter since XX/XX/2021. The following accounts needs to be deleted and removed immediately, CHAPTER XXXX BANKRUPTCY, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  : LATE PAYMENT. As I was never late on the XXXX XXXX account, and the other following accounts were not verified, nor accurate. The following companies are also reporting incorrect amounts owed and dates. The companies are giving me a hard time disputing the information. Threatening to keep the debt, and or public record on my credit report for 10 years. Advising me to stop calling, and disputing the inaccuracies, due to the choice theyll never delete it. XXXX and XXXX is also giving me a hard time when disputing the bankruptcy public record and deleting the derogatory record. When Ive already provided multiple documentation stating the following accounts are not verified nor accurate. Its unfair for the XXXX credit bureaus XXXX, EQUIFAX, and XXXX to report different account information, and different balances when a consumer is not responsible of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! XXXX XXXX plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been XXXX days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
On Thursday XX/XX/2021 my credit scores from all three credit reporting bureau 's dropped a whopping XXXX points. I had know Idea why but I watch my credit score closely and was notified by my bank. I checked the credit reporting companies and they staited the the cause was a delinkquent XXXX XXXX charged by a company called Transworld Systems which represents the unregulated power company in XXXX called XXXX XXXX XXXX. They claimed I owed XXXX XXXX XXXX. Now I have never lived in XXXX  and I have been a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for about 40 XXXX The following information about the fradulent XXXX XXXX bill was on the XXXX web site : Account XXXX : Amount past due ... ... ... ..Not Reported? 
Bureau Name Transworld Systems Account type : ... ... ... ... ... Not Reported? 
Original Lender : XXXX XXXX XXXX  Responsibility : XXXX XXXX of account : ... ... ... ... XXXX month? 
Credit Limit : ... ... ... ... ... ... ... Not reported? 
Higest Balance : {$850.00}. Thats it, that's all the fradulent billing they presented to the Credit Bureaus that severely damaged my credit score. 

Additional documentation into the dispute said only this : Account Number : XXXX Account type : Collections Date opened XX/XX/2021 {$850.00} past due as of XX/XX/2021, that a XXXX power bill for ONE Month! 
Terms : one month. 
After disputing the 3 bureau 's, I called Transworld directly at XXXX and spoke to a rep named XXXX. I told her this was a mistake on their part, that I was a XXXX XXXX and very knowledgeable about the FDCPA Act and the FCRA Act, so we could forgo any lies or made up stories about how this happened. The reps attitude changed for the the better Immediately. She told me that the bill was actually from a location in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX then asked for a copy of my drivers License to which I said absolutely not. I reminded XXXX that XXXX XXXX can not under any circumstances do business in the state of XXXX as the XXXX have never given them any type of approval to provide any service to customers in XXXX. But we did make an agreement that I would give her a ( partial ) copy of my latest XXXX XXXX XXXX with the account numbers blocked out ( they already had that information ) and they agreed repeatedly to provide me with a hard copy of the investigation that was expected to take 30 days. I have zero faith that they will comply. So it really comes down to 10 Power breaking federal Interstate commerice laws, which is quite serious. I will now be filing a complaint with the Federal Trade Commission which makes their actions a felony.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Hi, I have a rental reservation on XX/XX/2021 at XXXX XXXX. When I arrive at the rental location, there is a huge line waiting for my reserved car, which took me about 2 and half hours to get my car. When it is my turn, the representative told me they do not have a similar level rental car that I reserved, and asked me to wait about an hour to get a car I reserved at XXXX XXXX, which is not reasonable. 

After my complaint, the representative agrees to give me another car to drive. The car is noisy and shaking when I was driving, which made me really uncomfortable and felt unsafe to drive the car, so I had to return to the rental location just after XXXX and half hours. 

After I returned my car, I noticed my return rental agreement had a charge of {$83.00} showing it is for a vehicle upgrade. I do not get any information before I have to pay this fee, and I do not agree it is my responsibility to upgrade the car because of the insufficient stocked car at the location. I contact XXXX several times and wish XXXX could solve this problem for me, but they never respond to my message. 

I do not believe I should be charged for this bill amount. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I checked my personal credit report, which I acquired from XXXX and Equifax organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : I am unaware of these inquires from XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX }. I am unaware of these inquires from Equifax ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) I contacted every creditor who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO Fraud on my card and checking account cause credit reporting problems to all the bureaus and agencies resulting in low credit scores and unable to further have finances to operate business as normal. The amount is a XXXX and I've been dealing with this fraud claims with Wells Fargo the original claim date is XX/XX/2020. Wells Fargo close my account and then sent me a letter A year later stating that they're going to reopen my account every time I call in reference with my claim number they tell me sorry your account has been closed and we can not help you but then I will call hours later I speak to someone else from Wells Fargo and they will read my file and tell me this has to do with the high dollar claims team and we will contact you if not they will contact you within 2 to 3 business days this has been going on for about a year and a half due to covid my business doors had to shut and currently in a shelter and have lost everything because of this ongoing claim that Wells Fargo will not solve or resolve thank you please have a blessed day contact me atXXXX  XXXX 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 2021-11-30 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: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet is reporting that I am 180 days past due on a loan that was sent back to the Federal Government on XXXX. Nelnet showed a zero balance on this loan as of XX/XX/2021. I contacted Nelnet in XX/XX/2021 and was informed that the loan had been transfered. So, why are they still reporting that I am XXXX  days past due. Also, the current holder of the loan stated that it is covered under the Cares Act and I would not be reported to any credit agency. XXXX is the only agency reporting this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
As of XX/XX/XXXX, according to my my XXXX Bank. Credit report, I have dropped XXXX points. The data is supplied to XXXX XXXX site by Experian. I contacted Experian for a response, and was told that there system showed an XXXX max XXXX score. The XXXX Bank is an almagamation of XXXX credit bureau, using a XXXX XXXX. The rating encompasses a larger number span, abet in my case my score should not have dropped to that extreme, moving me from an exceptional credit status to a good credit status. This has happened recently, with any rationale, only to have the points reinstated, to include extra points. I have made efforts to contact the customer service area, but get only automated prompts, that live customer service is unavailable. I feel, not only Experian, but the credit reporting outlets have gliches in their systems.

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 2021-11-30 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: FL

Complaint narrative:
XXXX is reporting that I am 180 days past due on a loan that was sent back to the Federal Government on XXXX. XXXX showed a zero balance on this loan as of XX/XX/2021. I contacted XXXX in XX/XX/2021 and was informed that the loan had been transfered. So, why are they still reporting that I am 180 days past due. Also, the current holder of the loan stated that it is covered under the Cares Act and I would not be reported to any credit agency. Experian is the only agency reporting this erroneous information.

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 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
I am XXXX XXXX and im submitting the complaint myself and there is no third party involve. Pursue to XXXX XXXX XXXX b i did not give permissible purpose to place anything on my consumer report without my acknowledgement. This debt has not been validated and the company assumed that this debt is owed. I had no acknowledgement of these accounts until I reviewed my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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 sent OFFICIAL NOTICE to TRANSUNION on multiple occasions that the account below is in litigation and should be immediately deleted from my credit profile. I have sent court letterhead documents with case number - XXXX - as evidence. 

TRANSUNION was notified to immediately CEASE reporting the litigated account below on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021. 

*** XXXX XXXX XXXX XXXX This account is in litigation. PLEASE DELETE *** XXXX XXXX XXXX XXXX XXXX XXXX Civil Action NO. XXXX commenced litigation on XX/XX/2021. 

TRANSUNION has refused to delete the account above which is in litigation. 

On XX/XX/2021, at XXXX EST, I was able to call in and get almost 50 min of conversation with Transunion agent XXXX on a recorded line. 

Although Transunion agent XXXX wouldnt give me permission to release OUR recording just yet I collected enough verbal evidence to prove TransUnions willful and negligent noncompliance towards my multiple dispute notices regarding the litigated XXXX account currently reporting on XXXX XXXX credit profile.

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 2021-11-30 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: TX

Complaint narrative:
I have disputed directly with XXXX and Equifax both regarding XXXX. The account has been illegally re-aged! I have submitted dispute after dispute to no avail. There are so many inaccuracies within the way the account is being reported but after several disputes nothing has been done! The account type is missing which makes the account inaccurate in XXXX way. The number of terms is missing- inaccurate. XXXX failed to perform a proper investigation as the last date is XX/XX/XXXX! It was just disputed in XXXX of XXXX! Equifax failed to list to whom the account was sold to which is a violation! XXXX shows the last reported date as XX/XX/XXXX. Equifax shows XX/XX/XXXX. How is that even possible when the disputes were submitted at the same time. For sure less than 2 years ago! XXXX has the date last active as XX/XX/XXXX and Equifax has it listed as XX/XX/XXXX. That proves the account was illegally re-aged! XXXX has the date of last payment as XX/XX/XXXX and Equifax shows XX/XX/XXXX! How is that even possible when the information is supposed to be furnished by the same company? I believe it is a tactic to prolong how long the account is supposed to report on my credit file which is illegal! Equifax is reporting a payment history each month at OK while XXXX shows the account as charged off! If the account was sold to XXXX XXXX XXXX XXXX why is XXXX still reporting this account? I have sent both bureaus a dispute and they continue to ignore my dispute and report this inaccurate account with no regard. How can both these bureaus continue to report this account even though it is not 100 % accurate along with a serious FTC violation of re-aging? They are purposely damaging my credit file and causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
A response to a complaint received XX/XX/2021 from portfolio recovery did not prove any validation as requested. Portfolio recovery failed to provide proof of a debt belonging to me. My name and social security trust account number does not provide proof that this alleged debt is who you claim it is.XXXX A debt is an alleged obligation and your company failed to provide a autographed original contract/agreement. Just because your company bought a debt and failed to do your due diligences in proper validation does not make this account mine. Further more, there is a significant amount of XXXX XXXX XXXX billing errors connected to the attachment ( exhibit A ) coupon provided to the cfpb complaint. And Im sure the original companies ledger shows a similar credit ( connected to this statement coupon ) to their bookkeeping. Your abusive debt practices are abundantly clear, but your companies location is very unclear which is a violation, the attached exhibit A statement states California, and Virginia yet your company standing states Baltimore, its a lot of false and misleading representation XXXX XXXX XXXX and deceptive forms XXXX XXXX XXXX which has me concerned about who your company is and also how many companies have violated my federally protected consumer rights and accessed or sold my personal information without permissible purpose. Portfolio Recovery failed to validate a debt existed as requested and by law must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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:
My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under XXXX XXXX XXXX. Failure to comply is a breach of my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TX

Complaint narrative:
I have disputed directly with Experian and XXXX both regarding XXXX. The account has been illegally re-aged! I have submitted dispute after dispute to no avail. There are so many inaccuracies within the way the account is being reported but after several disputes nothing has been done! The account type is missing which makes the account inaccurate in XXXX way. The number of terms is missing- inaccurate. Experian failed to perform a proper investigation as the last date is XX/XX/XXXX! It was just disputed in XXXX of XXXX! XXXX failed to list to whom the account was sold to which is a violation! Experian shows the last reported date as XX/XX/XXXX. XXXX shows XX/XX/XXXX. How is that even possible when the disputes were submitted at the same time. For sure less than 2 years ago! Experian has the date last active as XX/XX/XXXX and XXXX has it listed as XX/XX/XXXX. That proves the account was illegally re-aged! Experian has the date of last payment as XX/XX/XXXX and XXXX shows XX/XX/XXXX! How is that even possible when the information is supposed to be furnished by the same company? I believe it is a tactic to prolong how long the account is supposed to report on my credit file which is illegal! XXXX is reporting a payment history each month at OK while Experian shows the account as charged off! If the account was sold to XXXX XXXX XXXX XXXX why is XXXX still reporting this account? I have sent both bureaus a dispute and they continue to ignore my dispute and report this inaccurate account with no regard. How can both these bureaus continue to report this account even though it is not 100 % accurate along with a serious FTC violation of re-aging? They are purposely damaging my credit file and causing me harm.

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 2021-11-30 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 sent OFFICIAL NOTICE to EQUIFAX on multiple occasions that the account below is in litigation and should be immediately deleted from my credit profile. I have sent court letterhead documents with case number - XXXX - as evidence. 

EQUIFAX was notified to immediately CEASE reporting the litigated account below on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021. 

*** XXXX XXXX XXXX XXXX This account is in litigation. PLEASE DELETE *** XXXX XXXX XXXX XXXX XXXX XXXX Civil Action NO. XXXX commenced litigation on XX/XX/2021. 

EQUIFAX has refused to delete the account above which is currently in litigation.

Company response to consumer: Closed with explanation