vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 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: FL

Complaint narrative:
This Credit Reporting Agency ( CRA ) keeps furnishing inaccurate and incorrect information despite multiple disputes. They keep telling me that information has been " verified '' however the loan servicer has CLOSED and no longer has anyone working for them who can " verify '' anything. My new loan servicer states they do not see any late payments and that I need to contact the original loan servicer ( XXXX ) but XXXX is CLOSED so I can not request any copies of letters or request debt validation. 

I have multiple accounts ( tradelines ) posting to my credit report for XXXX XXXX XXXX  and EACH account is showing 90 days past due for XX/XX/2019 and 120 days past due for XX/XX/2019. Specifically : XXXX XXXX tradeline with balance of {$15000.00}. Comments " dispute resolved. '' This dispute was never resolved. Shows 90 days past due in XX/XX/2019 and 120 days past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' XXXX XXXX tradeline with balance of {$57000.00}. Comments " consumer disputes after resolution. '' There was no resolution. Shows 90 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' XXXX XXXX tradeline with balance of {$36000.00}. Comments " consumer disputes after resolution. '' There was no resolution. Shows 90 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' Please update these accounts to reflect the accurate information. You are unable to verify information because XXXX has closed. I am unable to request debt validation or request a payment ledger because XXXX has closed. I can not log into my former online account to retrieve letters to support this dispute because XXXX has closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I asked for a refund for payments made during the payment pause in XXXX. I called XXXX and AidVantage. AidVantage said I had to go through XXXX. I was quoted 4-6 weeks for a refund. XXXX automated recording acknowledged my request until XX/XX/XXXX. I spoke to XXXX who said all information has been transferred to AidVantage. I called AidVantage and started the process over requesting a refund on XX/XX/22. They entered my request and said it could take 8-10 weeks. I called at the end of 10 weeks and was told 12 weeks. I called again at the end of 12 weeks and was told it could be an additional 10 weeks. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: CA

Complaint narrative:
All inaccurate Information should have been removed from credit report by XXXX XXXX XXXX 
According to law disputed information related to identity theft must be removed from credit reports within certain time period not to exceed 4 business days. 
Identity theft report, copy of id, copy of social security card, FTC ID Theft Report, Dispute letter, copy of Police Report all mailed by certified mail on XX/XX/XXXX. Time required to be removed from report has already exceeded. 
All above listed enclosures already submitted has been re-sent by Us certified mail and also Uploaded into dispute portal on XXXX Website as of XX/XX/XXXX. Bureau Must Remove listed accounts related to ID Theft immediately.

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 2023-02-03 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: CA

Complaint narrative:
All inaccurate Information should have been removed from credit report by XX/XX/XXXX. 
According to law disputed information related to identity theft must be removed from credit reports within certain time period not to exceed 4 business days. 
Identity theft report, copy of id, copy of social security card, FTC ID Theft Report, Dispute letter, copy of Police Report all mailed by certified mail on XX/XX/XXXX. Time required to be removed from report has already exceeded. 
All above listed enclosures already submitted has been re-sent by XXXX certified mail and also Uploaded into dispute portal on XXXX Website as of XX/XX/XXXX. Bureau Must Remove listed accounts related to ID Theft immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LoanCare, LLC
State: SC

Complaint narrative:
There is an ongoing billing error dispute in which was initiated by me and is still currently being disputed. There have been several violations committed by the company during the dispute invading consumer financial protection bureau laws : XXXX XXXX, XXXX : Company sent a letter threatening to report nonpayment to the credit bureau if not received 30 days from the XX/XX/XXXX ( Adverse credit reports prohibited ) - Several phone calls from customer service and the default department to make a payment during the dispute ( Consumer 's right to withhold disputed amount ; collection action prohibited. ) -The company is not providing full disclosure in contract -The entire principal balance is in dispute since XX/XX/XXXX. There were several attempts to settle the debt. 
- Request specific documents from the company but did not receive them in a timely manner -Abuse of debt collection practice -Failure to validate debt or provide proof of funds

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 2023-02-03 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: GA

Complaint narrative:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXXXX/XX/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 2023-02-03 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: GA

Complaint narrative:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptlyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
There is a wells fargo scandal going on that includes XXXX XXXX dollar settlement between XXXX - XXXX. My account has been well active longer than that time period. I have not received any email or settlement check and just want to make sure I qualify.

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 2023-02-03 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Please correct the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a late payment posted to my consumers report on the account XXXX Account numberXXXX late payment of XX/XX/2022. 15 usc 1666b there was no billing statement sent 21 days before the payment was due. The credit agencies has failed to validate information that is posted. Ive asked for this account to be verified and accurate all three credit agencies are reporting different balances ... and failed to update the comment section notice of my dispute.. The account has different scheduled payment amounts, no last activity, different closed dates. and term agreement. Ive sent the same dispute to each agency and no response of the " validation '' just verified with no supporting documentation

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 2023-02-03 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: TX

Complaint narrative:
There is a late payment posted to my consumers report on the account XXXX Account number:XXXX late payment of XX/XX/2022. 15 usc 1666b there was no billing statement sent 21 days before the payment was due. The credit agencies has failed to validate information that is posted. Ive asked for this account to be verified and accurate all three credit agencies are reporting different balances ... and failed to update the comment section notice of my dispute.. The account has different scheduled payment amounts, no last activity, different closed dates. and term agreement. Ive sent the same dispute to each agency and no response of the " validation '' just verified with no supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX  Balance Owed : {$100.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$75.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
Smith Debnam Narron Drake Saintsing & Myers, LLP sent me a notice date XX/XX/2023 for a debt I owe to XXXX XXXX XXXX XXXX. they attempted to do this first around XXXX of 2023 as well. Around that same time, I found out they they have negative reviews and people have a hard time communicating with them to get any help from them. So that is when i called them and left multiple voicemails and emails telling them not to contact me. I believe i also reported them to the nc doj. Here is is almost a year later, and they are sending me another lawsuit letter. this time something about default judgement entry or something. something about me not being incompetent or incapable, i guess of not being able to pay the debt. I get XXXX and va benefits. i have no wages for them to garner, nor do i have any money for them to go after and take that are eligible for that if they bring a judgement against me. here is the deal : i am a XXXX veteran. i spend time, lots of time at the va due to numerous XXXX XXXX and medical problems. i am on so many medications that i can barely function on a daily basis. so no, i did not respond to their summons they sent me about a year ago. i could not and was not able to. I thought i made that clear to them in voicemails and emails i sent them around that time. I had to go out of my way today and a couple of days ago to call their company to see if i could get this settled. i left two voicemails for two different people and an email and i have not received a response yet. i also have an attorney trying to work with them to get this matter cleared. i do not have time for this. if they want to settle this debt, i am more than happy to. but at least be professional and return my calls and emails. and dont assume you know my situation as a veteran with all these health issues and spending time at the va and in the va XXXX XXXX and going to my many va appointments that take precedence over going to your summons and responding to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: IN

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: MS

Complaint narrative:
I notice some inaccurate and incomplete on my credit report last month so I sent XXXX a letter on XXXX disputing the negative information including personal information and inquiries with XXXX certified receipt XXXX XXXX XXXX XXXX XXXX. Have not heard from them regarding this matter, per 15 USC 1681a all items have to be 100 % accurate and complete. I am asking for assistance to speed up the process because it keeps me from buying a home. I sent TransUnion and XXXX letters as well pertaining to the inaccurate items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief