vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-21 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: GA

Complaint narrative:
I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
Ive requested the original lease agreement as well as the renewals for all years, especially the year XXXX when the eviction took place. Ive only received an expired lease from CBSA, from the years XXXX to XXXX. 

On this documentation, they typed in my name, etched it out and wrote it in and misspelled my last name. ( page 1, item 1 of lease contract ) They also forged my name under occupants not signing lease. Indicating that Im not the lien holder. ( Page 1, item 2 of leasing contract. ) They placed my initials under initials of our representatives, which is for the property management to sign, not an occupant. ( Page 2, 3, 4 & 5 at the very bottom. ) They also forged my name again on the last page of the lease and social security number. They also failed to put a date in too. They not only forged my name but a sibling of mine as well. ( Page 6 of leasing document, bottom right of page. ) I am demanding that they produce non-tampered, original renewal leases, from ALL YEARS. Especially from the year XXXX, the year of the eviction and the eviction documentation. 

Theres no payment history from me in the year XXXX which further proves the inaccuracy. 

They have been producing fraudulent documentation to not only all credit reporting agencies, but to you as well. I am demanding that CFPB to actually LOOK at the documents instead of taking their word. Protect me not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter requesting an investigation for accounts listed on my credit report to be verified. I only received a full copy of my credit report which was not what I asked for. I mailed a letter stating this on XX/XX/2021 and I still haven't received any results of an investigation.

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 2021-03-21 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: FL

Complaint narrative:
Experian and XXXX  are reporting inaccuracies and conflicting information in my credit file for the following creditors. XXXXXXXX XXXX and XXXX XXXX. They reported 90 days late past due on XXXX, XXXX XXXX, XX/XX/2021. On XX/XX/2021 Experian decreased my credit score by 97 points due to these 90 days past due from XXXXXXXX XXXX and XXXX XXXX. On XX/XX/2021 XXXX  reported XXXX XXXX and XXXX XXXX 90 days past due and decreased my credit score by 111 points. I dispute the late past due status with Experian, XXXX, and the creditors XXXXXXXX XXXX and XXXX XXXX. On XX/XX/2021 Experian and XXXX  changed the past due late to current on the XXXXXXXX XXXX account. However the status remained late past due on the XXXX XXXX account. However, they did not change my credit score until I called them. When I checked my credit score a few days after speaking with them, Experian increased my score by 45 point and XXXX  increased by 33. Neither credit bureaus increased my score to the number of points that they decreased it to when the late payments past due occurred. On XX/XX/2021 Experian and XXXX  decreased my credit score again and reported 90 days late past due for the same creditor XXXX. Experian decreased my score by 48 points and XXXX  decreased my score by 61points. Neither credit bureaus increased my score to the amount of points that they decreased them on on XX/XX/2021. As of XX/XX/XXXX, both companies edit bureaus decreased my scores again and flagged these XXXX accounts late past due 90 days. This is inaccurate these account have never been late or delinquent. The creditors wrote me a letter stating it was an error and would be deleted. One of wrote me a letter stating they do know have any account in their records fir me. According to the CARES ACT I am protected and none of this should have happened.

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 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
You sent XXXX PHP to Paypal XXXX Paypal 's damages caused by Acceptable used Policy violation. 

Correction Using Paypal balance XXXX PHP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received any results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received results of an investigation.

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 2021-03-21 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: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received results of an investigation.

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 2021-03-21 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: NY

Complaint narrative:
I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

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 2021-03-21 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: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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:
I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Please see the Attachment.

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 2021-03-21 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: GA

Complaint narrative:
On XX/XX/2021, over 45 days ago I requested that bureaus provide written proof of verification of negative items showing on my credit reports. To this day I have not been notified of any verification paperwork through mail or online. It seems that they are ignoring my requests by continually disregarding my communication efforts. I am at my wits end in trying to move on and with these errors and get them off my report as no one seems to care enough to respond to my complaints. I have contacted the businesses that are on my report and they explain to me that it is out of their hands and falls on the bureaus. I do not know how these items are appearing on my report but according to the FCRA, if they are inaccurate or unverifiable, they must be removed. I have been sending letters back and fourth to the bureaus stating this to get this situation rectified. Still, no response. I do not know what else to do as I feel I being forced to move forward with legal proceedings for the violations of my consumer rights. 

If they can not provide proof ( written contract with my signature that includes dates of late payments, when negative items happen ), I would like for these items to be removed, as it continues to negatively impact my ability to obtain employment, financial mobility, and my overall emotional state.

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 2021-03-21 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: NY

Complaint narrative:
This account is not mine and has been re opened with new information. It was previously reported closed and then reappeared with a different account number associated to my name and derogatory payment history and now open with a {$400.00} balance. This is completely wrong information and the company told me the account was closed and then minutes later over the phone found another account, that I was told I had to pay. Completely fraudulent company and are doing nothing to help me get this out of my name and off my credit bureaus 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 explanation
Consumer complaint received 2021-03-21 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: NY

Complaint narrative:
This account is not mine and has been re opened with new information. It was previously reported closed and then reappeared with a different account number associated to my name and derogatory payment history and now open with a {$400.00} balance. This is completely wrong information and the company told me the account was closed and then minutes later over the phone found another account, that I was told I had to pay. Completely fraudulent company and are doing nothing to help me get this out of my name and off my credit bureaus immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: NY

Complaint narrative:
This account is not mine and has been re opened with new information. It was previously reported closed and then reappeared with a different account number associated to my name and derogatory payment history and now open with a {$400.00} balance. This is completely wrong information and the company told me the account was closed and then minutes later over the phone found another account, that I was told I had to pay. Completely fraudulent company and are doing nothing to help me get this out of my name and off my credit bureaus 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 explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
A mortgage lein by NFCU from 12 yrs ago is preventing me from refinancing my mortgage in XXXX. During the XXXX subprime mortgage crisis, I was able to borrow a $ XXXX as a 4th mortgage on my primary home, to be use as a down-payment for a 2nd home finance through NFCU. With home market collapse during that time, I was force to file bankruptcy and short sale my 2nd home.. It started as Chapter XXXX but eventually converted to a XXXX. Due to predatory lending practices in XXXX and XXXX, my 2nd and 3rd mortgage release their leins, but not NFCU. I contacted them several times to release the mortgage lein to no avail. According to them the lein is still valid and they wanted it paid in full from remaining equity in my house if I refinance. I told them financially this might cause me to go to bankruptcy again. PLEASE ADVISE. I read several lawsuit on NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  and TransUnion are reporting inaccuracies and conflicting information in my credit file for the following creditors. XXXXXXXX XXXX and XXXX XXXX. They reported 90 days late past due on XXXX, XXXX XXXX, XX/XX/2021. On XX/XX/2021 XXXX decreased my credit score by 97 points due to these 90 days past due from XXXX XXXX and XXXX XXXX. On XX/XX/2021 TransUnion reported XXXX XXXX and XXXX XXXX 90 days past due and decreased my credit score by 111 points. I dispute the late past due status with XXXX TransUnion, and the creditors XXXX XXXX and XXXX XXXX. On XX/XX/2021 XXXX  and TransUnion changed the past due late to current on the XXXX XXXX account. However the status remained late past due on the XXXX XXXX account. However, they did not change my credit score until I called them. When I checked my credit score a few days after speaking with them, XXXX increased my score by 45 point and TransUnion increased by 33. Neither credit bureaus increased my score to the number of points that they decreased it to when the late payments past due occurred. On XX/XX/2021 XXXX and TransUnion decreased my credit score again and reported 90 days late past due for the same creditor XXXX. XXXX  decreased my score by 48 points and TransUnion decreased my score by 61points. Neither credit bureaus increased my score to the amount of points that they decreased them on on XX/XX/2021. As of XX/XX/XXXX, both companies edit bureaus decreased my scores again and flagged these XXXX accounts late past due 90 days. This is inaccurate these account have never been late or delinquent. The creditors wrote me a letter stating it was an error and would be deleted. One of wrote me a letter stating they do know have any account in their records fir me. According to the CARES ACT I am protected and none of this should have happened.

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 2021-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX with the balance of {$1700.00}. I have no acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information, Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent. 

According to Fair Credit Reporting Act, any account fraudulent open without the principal original consent or permission must be Remove and Delete immediately. In compliance with FCRA, predatory furnished of false information by the institution are illegal, and within matter of rights under the laws of consumer request to provide by the furnish-er or institution of full proof of all original sign documentation relating to the false account and any consensual documentation with original owners signature within 5 business day in physical mail copies. As time is the essence per request must comply under FCRA law. Failure to do so must have the information Delete and Remove prevent to reappear once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 3 months and I still haven't received results of an investigation.

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 2021-03-21 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: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 3 months and I still haven't received results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: NY

Complaint narrative:
I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

Company response to consumer: Closed with explanation