vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 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: I.C. System, Inc.
State: NY

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 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 2021-04-16 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: VA

Complaint narrative:
I initially submitted a dispute with Experian regarding the following accounts reporting on my credit report : XXXX # XXXX. Despite several complaints, Experian has not removed the egregious late payment from my account, despite being the only credit bureau reporting this inaccurate information. I am a victim of identity theft and notified Experian that multiple inquiries as well as charges were made in my name that I did not authorize. I sent 3 disputes via certified mail, beginning XX/XX/2020 as well as the police report. The inaccurate late period is dated for XX/XX/2020. Before I realized that unauthorized charges were made, I paid my account balance in full. When I disputed for the third time, I even provided Experian with the credit card statements for each account, as welI as my bank statements showing the amounts due, drafted from my account and drafted on time. Despite my disputes regarding these fraudulent late payments and my requests for proof of verification of these accounts, Experian is the only bureau that still negligently keeps this unverified late payment on my credit report. The other two bureaus have deleted the late payment, as they are incorrect, unverified and fraudulent. It has been 141 days and Experian refuses to resolve this issue and I have even been sent a letter by Experian, stating they will not investigate further, when they never truly investigated these accounts in the first place. FCRA states that any information that can not be verified and that is fraudulent must be deleted. Experians willful neglect of the wrong information on my credit report is not only damaging my ability to acquire credit, but is a violation of FCRA. These late payments need to be deleted or I am fully prepared these take matters to the court, retain counsel and sue for the states maximum for each violation of FCRA.

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 2021-04-16 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: IA

Complaint narrative:
I sent certified documents in the mail no response. I was told they didn't know where they were for me to resend them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX along with and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and a list of residents, businesses mobile apps and websires have been using my name data identification snd otger personal identification illegally. Money and other assets by the government of the united states as well! This was done without my personal knowledge or permission and i would like to take legal action on anyone who id involved and i want all money returned immediatly!

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 2021-04-16 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: IA

Complaint narrative:
I sent certified documents in the mail no response. I was told they didn't know where they were for me to resend them 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 2021-04-16 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: VA

Complaint narrative:
I have sent 4 dispute letters to Transunion regarding an inaccurate and fraudulent account on my credit report. This account, XXXX XXXX XXXX XXXX XXXX, is only being reported by Transunion. Nothing regarding this account appears on XXXX or XXXX. I have sent supporting documentation via certified mail, to Transunions XXXX. XXXX showing the discrepancies amongst this account showing on my Transunion credit report, but being removed from XXXX and XXXX  due to fraudulence. Despite this, Transunion continues to leave this fraudulent account on my credit report. Per FCRA, all information reported must be verified and accurate. How can this account be verified and accurate in this circumstance? Transunions refusal to correct clearly inaccurate information is in violation of federal law, has significantly damaged my credit score and has had significant, unfair and unnecessary financial and emotional repercussions. My credit score has unnecessarily dropped and I can not acquire needed credit during a catastrophic pandemic. Per FCRA, Transunion is required to have a copy of original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). Furthermore, despite two requests via certified mail, Transunion has failed to provide the method of verification under 611 XXXX a ) ( 7 ). Per section 611 ( 5 ) ( A XXXX, Transunion is required to promptly delete all information that can not be verified. Please be advised that this is my third request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights, seek relief and recover all monetary damages that I may be entitled to under 616 and section 617 regarding your willful and negligent noncompliance.

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 2021-04-16 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: Synovus Bank
State: MD

Complaint narrative:
My XXXX XXXX  Bill showed a balance of {$310.00}, it was paid XX/XX/2021, it is still showing a balance of {$310.00}, this is XX/XX/XXXX credit usage is still at XXXX percent, because my credit limit is {$900.00},, when I spent the {$310.00} it was reported in less then 7 days, but after I paid it almost 2 months,, and have not showed as paid,, this is an unfair treatment,,, it should have reported the same amount of time it had reported when I spent {$310.00} I should have had a balance decrease,, this is unfair practice I believe its not fair,, my scores XXXX XXXX, hindering me from reaching XXXX,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
XXXX XXXX who is merely only a collection manager at Advanced Collection Bureau seems to believe he is correct that these debts belong to me. He then goes on to tell me and put me in duress by telling me it is my responsibility to provide a proper mailing address. This is a threat to me and this is coercing me and putting me in duress! I do provide proper mailing addresses. It is on the duty of the Post Office and Letter Carriers to ensure proper delivery or to ensure notices are left for items which contain signatures if not present. However, the Post Office and Letter Carrier failed. XXXX XXXX has failed improperly reporting these accounts with multiple inaccuracies. With that being said XXXX XXXX needs to know that these debts belong to my ex spouse. And who is XXXX XXXX to me as there is that signature relating to the contract? You can clearly see my name has only been used but I have not signed! When did I undergo all these surgeries? I will report Fraud and Identity theft and XXXX XXXX will be held liable if these accounts are not removed. There is no more room for negotiation! XXXX XXXX is only acting on hearsay! My information was used without my consent! See the attached PDF. How can XXXX XXXX by law legally say I owe these debts?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: NJ

Complaint narrative:
Hello, I submitted a dispute on XXXX with my lender State of NJ XXXX XXXX 3 late payments in XX/XX/XXXX. 
The lender emailed me back on XXXX XXXX approving to remove the late payments for {$150.00} and would notify crediting agencies on my behalf. 
The crediting agency, Experian, has not updated my credit report and score. 
I reached out to Experian via phone call XXXX XXXX XXXX XXXX ) and they asked me to upload the email proof to experian.com/upload, which I did on XX/XX/XXXX. 
They said they would contact the lender. I received an update from Experian that the late payment would stay on my report after they spoke to the lender, XXXX. 
I called XXXX and spoke to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ). She stated no one from Experian contacted XXXX. 
I called Experian once more on XX/XX/XXXX and they said they did not receive the uploaded file. I uploaded it again on the same day and received the confirmation it was uploaded and my dispute is open. I received another update that the late payment will stay on my record on XX/XX/XXXX. I am not sure if anyone at Experian contacted XXXX. May you please look into this? 


Best, 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 2021-04-16 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: NY

Complaint narrative:
XXXX opened a account online for someone using my information. They then sold off the account. I ask for proof of owner and verification they informed me that they didnt own the account so they couldnt send me copies of the contract showing my signature or the information listed on the account. However they insist on reporting to the credit agency. Even though they dont own the account, nor can they produce any documentation. TransUnion refuses to remove the information from my report even though I have shown proof that the owners of the account states they arent reporting this to the credit bureaus. Was told theyre not obligated to assist me. Nor are they obligated to look at the document I sent

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 2021-04-16 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Avant opened a account online for someone using my information. They then sold off the account. I ask for proof of owner and verification they informed me that they didnt own the account so they couldnt send me copies of the contract showing my signature or the information listed on the account. However they insist on reporting to the credit agency. Even though they dont own the account, nor can they produce any documentation. XXXX refuses to remove the information from my report even though I have shown proof that the owners of the account states they arent reporting this to the credit bureaus. Was told theyre not obligated to assist me. Nor are they obligated to look at the document I sent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery XXXX Sent me an alleged debt collection Letter on XX/XX/2021. 

Did not provide proof of sale for the alleged debt or chain of the assignment. Only stated they bought the alleged debt. I would need to pay the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
Source Receivables failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 
Not only have they ignored my prior requests for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character. 
As you may be aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean they agree with me that this debt is false

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: FL

Complaint narrative:
1. I have not had access to over {$15000.00} of my own funds since XX/XX/XXXX. I reported a fraudulent charge at that time, and US Bank put a security hold on my account. I tried for months to get the hold removed, and finally it was removed in XX/XX/XXXX after I filed a complaint. Since then, I have called twice to request a card so I can access my funds. US Bank claims they mailed me a card twice, most recently on XX/XX/XXXX, yet I received nothing. All my other mail comes with no issues. Clearly, they are just not mailing the card. I believe it is their intention to deny me access to my funds. 

2. The original fraudulent charge from XX/XX/XXXX was never investigated by US Bank. I filed a dispute in XXXX, and US Bank quickly closed it without investigating. I called back, and they said they needed a police report. I sent the police report, once by fax, once by mail. Still they have done nothing. The charge is still on my account.

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 monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
remove this XXXX Violations FCRA : XXXX T XXXX XXXX T XXXX XXXX XXXX XXXX XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX CT XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX SPRING, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX SPRING, TX XXXX APARTMENT COMPLEX XXXX KINGS XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Year of Birth Select as many as apply

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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 XXXX XXXX and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: GA

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 XXXX XXXX  and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NFM, INC
State: OH

Complaint narrative:
My fianc and I reached out to NFM Lending in XXXX to start the process for an FHA loan. We were looking to sell our home and find a bigger house for our growing family. We advised NFM Lending I had some credit card debt I would like to pay off with our tax return when we received it. With the understanding raising my credit score would improve our interest rate. We paid off my credit card in early XXXX but were advised by NFM Lending that it might be best to wait until XX/XX/XXXX so everything could clear on the credit report. We listened. 
NFM Lending was fully aware my fianc and I would be applying for the loan together, just like we did the first time we used XXXX at his previous company. 
My issues is, raising my credit score meant absolutely nothing as NFM Lending advised they take the lower, middle of the peoples scores applying for the loan. My finaces credit score was about XXXX points lower than mine. Not one question or statement was ever made about my fianc 's credit. 
This issue would have been avoided completely if NFM Lending did their job and advised us that they would have to take the lower middle of the 2 scores in XXXX. 
We found out in XXXX we couldn't get approved for our new loan due to our debt to income ratio. I completely understand, NFM Lending couldn't do anything about that. That said, the interest rates to refinance were at least a full percent lower in early XXXX than in XXXX. If we knew in XXXX we couldn't sell our house, I would have refinanced right then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX - XXXX ; XXXX  XXXX - XXXX ; COLORADO XXXX AND XXXX  - XXXX ; COLORADO XXXX AND XXXX - XXXX ; and XXXX XXXX  - XXXX. These accounts are 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 these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation