vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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: CO

Complaint narrative:
XXXX XXXX, loan number XXXX, reported to Experian that my account was 30 days late in XX/XX/XXXX, this reporting is inaccurate. I was on a hardship plan for XXXX and XX/XX/XXXX, see attached. XXXX XXXX XXXXXXXX wrongly returned my XX/XX/XXXX payment when funds were deposited, see attached deposit slip. As stated by a XXXX XXXX representative to the XXXX  on XX/XX/XXXX, the payment for XX/XX/XXXX was put to the back of the loan, it was deferred, see XXXX  letter. However, when I found out XXXX XXXX XXXXXXXX returned my XX/XX/XXXX payment to XXXX XXXX, I called XXXX XXXX. On XXXX/XXXX/XXXX I was informed by XXXX XXXX they were not going to put my payment through again, I asked customer service representative, XXXX to take my payment for the returned XXXX payment. The payment made to XXXX XXXX on XX/XX/XXXX for {$1400.00} was for XXXX and XX/XX/XXXX, I added extra money to get my loan amount down, see attached. Please note on the XXXX XXXX response to my XXXX  complaint, XX/XX/XXXX XXXX XXXX stated that I paid XXXX payment on XX/XX/XXXX, when in fact I called in a payment to XXXX on that day for my XXXX payment that was returned. XXXX XXXX contracted themselves, they state in the XXXX response that XXXX payment was put to the back of the loan, which was correct then they assumed that my XX/XX/XXXX payment went for XXXX. Also, XXXX payment was deferred, see hardship agreement attached. XXXX XXXX is not to report me late in XXXX or XXXX, I am enclosing my Experian report where it shows the inaccuracy, XXXX  response from XXXX XXXX, XXXX XXXX XXXX payment history for the late in question, XX/XX/XXXX, XXXX XXXX own payment history of my loan, XXXX XXXX XXXX deposit slip, hardship agreement.

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 2022-02-17 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: CA

Complaint narrative:
In due of respect XXXX, Equifax and XXXX I like to purchase a new home in XXXX, XXXX but because of credit reporting Agencies. 
I am having some issues because of Derogatory Remarks on my credit reports. 
1.XXXX  XXXX XXXX Charge off of {$11000.00} this vehicle was returned to lender and Lender Sold it in XXXX. A Natural Disaster of Covid19 Pandemic/ Disability Financial Hardship 2.XXXX XXXX XXXX  Charge Off of {$6000.00} vehicle was returned and Lender Sold it. Natural Disaster of Covid19 Pandemic/Disability Financial Hardship 3.XXXX. Charged Off of {$6000.00}. Natural Disaster Covid 19 Pandemic /Disability Financial Hardship. 
Lender didn't want to agree on payment arrangement of {$7000.00} a month so they went ahead put account as Charged Off. 

4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 5.XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 6XXXX XXXXXXXX XXXX XXXX Balance is {$190.00} XXXXXXXX XXXX  Balance is XXXX { Derogatory Remarks of Late Payment is not accurate as I never been late on payments.I filed complaints against Company and they Retaliate against me because of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Current Balances as of XXXX and my credit utilization is under the 26 % -21 % -Percents.. 

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Veteran With Honor and Respect Always.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: CA

Complaint narrative:
In due of respect Experian, XXXX and XXXX I like to purchase a new home in XXXX, California but because of credit reporting Agencies. 
I am having some issues because of Derogatory Remarks on my credit reports. 
1.XXXX  XXXX Services Charge off of {$11000.00} this vehicle was returned to lender and Lender Sold it in XXXX. A Natural Disaster of Covid19 Pandemic/ Disability Financial Hardship 2.XXXX XXXX  XXXX  Charge Off of {$6000.00} vehicle was returned and Lender Sold it. Natural Disaster of Covid19 Pandemic/Disability Financial Hardship 3.XXXX. Charged Off of {$6000.00}. Natural Disaster Covid 19 Pandemic /Disability Financial Hardship.

Lender didn't want to agree on payment arrangement of {$7000.00} a month so they went ahead put account as Charged Off. 

4.XXXX  XXXX Credit Card balance is Zero, 5.XXXX  XXXX XXXX  Credit Card Balance is Zero 6.XXXX XXXX Credit Card Balance is {$190.00} 7.XXXX  XXXX Balance is XXXX.. { Derogatory Remarks of Late Payment is not accurate as I never been late on payments.I filed complaints against Company and they Retaliate against me because of National Origin as a XXXX XXXX XXXX. 

Current Balances as of XXXX and my credit utilization is under the 26 % -21 % -Percents.. 

I am XXXX Lifetime, XXXX  and a XXXX XXXX XXXX Military Veteran With Honor and Respect Always.

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 2022-02-17 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: OH

Complaint narrative:
I just had this issue opened. XXXX removed from 1 credit report and now XXXX I was just alerted it was added to my Experian report. This Mortgage needs removed immediately from all credit reports and not to be added again

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 2022-02-17 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: GA

Complaint narrative:
Experian XXXX XXXX Inaccurate Account Information In my Credit File Fed Loan Servicing - Account Number : XXXX XXXX shows my account in good standing Payment status : Pays as agreed Last Updated : XX/XX/2022 XXXX shows XXXX late XXXX shows my account in good standing Payment Status : Pays as Agreed Last Updated : XX/XX/2022 Shows XXXX Late Experian shows my account delinquent at XXXX days late Payment Status Inaccurate Last Updated : XX/XX/2022 no change to the inaccuracy never XXXX  days late Experian shows account as XXXX days past due -- -- > Status Inaccurate must be removed

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 2022-02-17 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: AZ

Complaint narrative:
So my name is XXXX XXXX and my information was impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person. This letter is a formal complaint that Equifax is reporting inaccurate and incomplete credit information. I am distressed that Equifax have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I am educated about FCRA Laws and that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly. I am an educated woman and I know the laws and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: AZ

Complaint narrative:
So my name is XXXX XXXX and my information was impacted by the XXXX Data Breach and may have gotten into the hands of the wrong person. This letter is a formal complaint that TransUnion is reporting inaccurate and incomplete credit information. I am distressed that TransUnion have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I am educated about FCRA Laws and that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly. I am an educated woman and I know the laws and my rights.

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 2022-02-17 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/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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:
My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-02-17 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: FL

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a small business owner. My old employee XXXX XXXX who no longer works for me started to fraudulently modify my check and redepositing it in her account. She received a legitimate check on XX/XX/XXXX. Then on XX/XX/XXXX she made a fraudulent deposit, she modified the check she received on XX/XX/XXXX. She changed the date, check number, and deposited the check to her bank XXXX XXXX  XXXX XXXX ), my bank Wells Fargo Approved it without any notification to me. She proceeded to continue to do this scheme and change the same check 78 times over 7 month before I realized the situation. She also made 6 checks in two different persons account ( 4 checks XXXX XXXX ) and ( 2 for XXXX XXXX ). In total 84 checks were fraudulently made. Many of the checks were deposited on the same date with different amount or date number. I never received any notification from wells Fargo. I believe she was using photo app deposit and then altering the check, but I don't know exactly she could have been working with the teller. Its clear that the same check was used in every deposit because signature is exactly the same and so is the way the back of the check is signed. I filed a fraud complain with Wells Fargo but it was denied because I should have discovered the fraud within 30 days of the first incident. I have a police case against this individuals, but I strongly believe my bank should have protected me especially when its very easy to alter existing check and make a photo deposit. 
I uploaded my bank statements this account is now closed but there were 3 checks posted in XXXX and bank statement is not yet available. On Bank statement Highlighted in Yellow is XXXX XXXX, In Green XXXX XXXX, In Red XXXX XXXX. Summary is uploaded as well.

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 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.

Complaint narrative:
Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from AFNIINC on my credit report, which I have previously disputed with XXXX back in XXXX, so please stop collecting this money from me, also and I want this account to be deleted from my credit profile. The most important thing is that I have not been living in XXXX XXXX XXXX since XXXX ( proof attached ), please delete it from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I have attempted to fix my problems with my loan servicing provider and also contacting fed loan. My problem is that I have no answer on getting my loans transferred to fed loan for starting to be part of XXXX. I applied In XX/XX/2021 and it is 3 months later with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
First and foremost, I am a federally protected consumer. This company has repeatedly called me ( I have proof ) and sent me a letter in the mail. Not once did I disclose my personal information nor my abode to this company so this company has violated my privacy. This is an alleged debt that is not mine. This company has been repeatedly calling me and sending me letters in the mail without my written consent. They do not have permission to communicate with me under federal law. They have been harassing me and is causing emotional turmoil. This company is in violation of federal law by harassing me and using abusive language pursuant to 15 usc 1692d ( 1 ) and 15 usc 1692d ( 2 ). This company is communicating that I owe a debt. This is in violation pursuant to 15 usc 1692b ( 2 ). This is a violation of my consumer rights under the FDCPA. This company has called me 4 times between XXXX and has sent a letter. This coming any has contacted me more than once which is in violation of federal law pursuant to 15 usc 1692b ( 3 ). Also pursuant to 15 usc 1692d ( 5 ), this company is causing the telephone to ring repeatedly with the intent to harass and annoy me. The amount of federal laws this company has violated is over 5. Pursuant to 15 usc 1692k ( 2 ) ( a ), I am owed {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On early of XXXX i was unable to communicate on my credit card company which is the " Discover '', family/myself was struggling, very sick of COVID19, due to unable to contact Discover Credit Card , & i was unable to pay my monthly due to them, they cancelled my credit card without my information, not even sending mail to me. I work on medical field since XXXX and during COVID19 time, I am one of the XXXX XXXX, and because of my job i got XXXX XXXX, they don't know how stressful we did, taking care everyday of XXXX XXXXatient in NY, without their consideration. I told Discover Customer care if they can reopen my account and explain to them what happen to me.

6 months after the Discover closed my account, I fully paid them, but my credit history was damage already by Discover, i am not approved anymore on loans right now on what Discover did, no consideration on COVID time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: FL

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-02-17 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: FL

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-17 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX

Company response to consumer: Closed with explanation