vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on the DEPTED/XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$530.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and should not be reporting at all. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is not investigating the negative collection/chargeoff account reporting on my credit report. I have sent numerous letters to the bureau requesting an investigation into the false reporting of this account and I have never received ANY communication from the bureau to show that my request is being looked into. My most recent credit report shows the following account as not in dispute, when in fact this account is in dispute. The account is XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This line item is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item need to be updated and/or completely removed from my credit report. I have contacted the bureau multiple times to review this account however, I have not been successful.

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 2021-03-25 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: ERC
State: TN

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on the DEPTED/XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

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 2021-03-25 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: First Credit Services Inc.
State: TN

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Nationwide Recovery Systems, Ltd
State: TN

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
PLEASE SEE THE ATTACHED LETTER UNAUTHORIZED, UNAPPROVED, EXCESSIVE HARD INQIRIES ON MY CREDIT REPEATED EXCESSIVE HARD INQURIES RAN ON : XX/XX/2020 XX/XX/2020 2020

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: IL

Complaint narrative:
On XX/XX/XXXX I sent certified letters to XXXX, XXXX, and Equifax to dispute an error. As of today, XX/XX/XXXX I have not received any responses from the bureaus ; it's been more than 30 days. All CRR cards were stamped received XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This item disputed need to be deleted because they have failed to respond to your written disputes within 30 days. The bureaus are supposed to provide me consumer protection afforded by the FCRA. They have violated FCRA Section 611 Part ( A ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TX

Complaint narrative:
Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: ERC
State: MN

Complaint narrative:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Diverse Funding Associates LLC
State: MN

Complaint narrative:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.

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 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am XXXX year old senior citizen. Customer of Bank Of America 41 years. I have always paid my credit card bills each month my entire life Within the Last 9 years I have gone into my Life savings depleating its making large jumbo payments of {$5000.00} - $ {$10000.00} several times Paying Bank Of America bringing my. Out standing valence down. Bank Of America Has been charging me % 19 percent interest on. My credit card for 9 years although I faithfully pay my. Credit statements faithfully my entire Life Ive asked Bank of America repeatidly to please lower my interest they say Im getting very low interest which is not true Although I faithfully pay my bills on time plus paying around {$400.00} in penalty rates ntwredt fees a month I can not pay off my credit debt without going into my senior. Life savings Im asking Bank America to drop monthly interest to % 0 percent compared to 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 2021-03-25 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: FL

Complaint narrative:
On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CL Holdings LLC
State: MN

Complaint narrative:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
My home was in foreclosure because I got behind in payments. However, I was able to come up with the money needed to cure the forecloser in XX/XX/XXXX and I followed all the proper steps with the county. This is when I felt as though we were finally back on track. I resumed making my monthly payments in XXXX, however, the Mortgage company kept returning my payment to them and telling me that my mortgage was still in default. I spent days trying to contact the legal office and the mortgage company trying to find out what was going on. I was told the money I paid ( approximately {$24000.00} ) was never released from the legal company to the mortgage company. I was assured all this would be fixed and once the mortgage company received the payment they would reach to me and tell me my new monthly mortgage amount. In the meantime, I never stopped paying my normal amount, and month after month the mortgage company returned my payment. It is now XX/XX/XXXX and I have received a letter from the same legal office that they are starting the foreclosure process because of a past due amount of around {$10000.00}. I have tried to call the mortgage company and the legal office multiple times and I am never able to get help or get the situation resolved. We have received notice from the lender 's attorney stating they have been authorized to begin foreclosure procedures. I am also being told I owe more penalties and late fees and have to go through the foreclosure process again. At this point I believe is a conscious and discriminatory effort by the mortgage company to make me look like a bad lendee, destroy my credit, steal my home, and essentially suppress me and my family due to either. our previous foreclosure situation, our economic condition, or worse of all, our ethnicity. I desperately need assistance ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
A collections company suddenly showed up on my credit XX/XX/XXXX saying I owe XXXX cellular {$520.00} from an account that I closed out XX/XX/XXXX. I contacted Amsher Collections to inquire and request information but they wouldnt give me any. Then my wife and I on several separate occasions tried to get information from XXXX regarding the account and they willingly admit there was a {$0.00} balance and they dont know where this charge came from. In the mean time, my near perfect credit is being damaged beyond repair and I dont know if I have a choice but to pay this. I have considered getting a lawyer to track this down out of principle but ideally would not like it to come to that. All I am looking for is information to prove money is owed and it is not a mistake or scam and XXXX reps have constantly claimed they are helpless to find a solution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: NJ

Complaint narrative:
I have written Fox Collection 2 times, dated XX/XX/2021 and XX/XX/2021. Fox has sent me nothing in the mail. I requested verification of an account, which is my right as a consumer. They violated this right. I looked to see if I could find a different address online, since I was using the one reported to my credit. Their website lacks such relevant information, this must be a violation as well, it's almost as though there is no right to dispute with these people. Please help me, they have caused me significant damage, both to my reputation and my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against BYL SERVICES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX. notify creditors XXXX. police report XXXX. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2021 I noticed a pending transaction on my Huntington Bank checking account for a {$2000.00} withdrawal at a branch. There are three people on the account and I confirmed with all of them that they did not make that withdrawal. I contacted Huntington customer service and they filed a dispute transaction claim that they promised would be resolved in 4 business days. On XX/XX/2021 the transaction posted to my account and I was able to see the withdrawal slip used. The person who signed the slip had a name similar to someone on my account, but there were an extra 4 letters to her name. Also, the handwriting for the {$2000.00} amount on the slip and the '2 ' in the account number were different so I assumed that the branch teller looked up the person 's account using her name and selected the wrong account. When I called Huntington on XX/XX/2021 they said that the transaction was not going to be reversed because someone on my account had made the deposit. I disputed this and pointed out that the person 's name is different ( on the withdrawal slip ) from what is on the account and that this was clearly a banking error. They keep promising to look into this further and I still do not have the {$2000.00} in my account. I don't believe that they will resolve this because they are not carefully checking the information.

Company response to consumer: Closed with monetary relief