vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Constantino Law Office, P.C.
State: UT

Complaint narrative:
I had my credit frozen XXXX, in fact there was to be no further loans made on my SSN # due to over $ XXXX in fraudulent charges, credit cards, and loans made in my name of which I did not persue. In fact between XXXX & XXXX my credit score went from XXXX to under XXXX. When I reported the fraud, all major credit reporting agencies locked down my SSN & forced a statement to any person or company looking up my name for a potential loan. I have notified this law firm of these facts, but The company continues to provide me with what appears to be digital signatures on contracts originating from a city I do not/did not live in as evidence to support their claim that I am still going to be held responsible for the debt ( regardless of the fact that I did not initiate any such transaction ). This firm appears to be XXXX bent on collecting this debt from me rather than trying to find the person ( s ) responsible for causing their client to make a loan under false pretenses and identity. Add this all up and this is indeed makes the firm just as culpible for damages inflicted upon me in a counter suit which I do not intend to file/nor do I wish to file at this time but will not hesitate if these attempts to collect on a fraud debt do not stop : for the actions taken by the company who issued a loan in my name without my permission to a person who is not me & whom I have no knowledge of who they are ; the company took no action that I have seen to confirm the legitimacy of this particular applicant and collecting it from me as an illegitimate way to somehow offset their losses for questionable and highly suspicious business practices the collector hired this firm operating on with what appears to be the sole pursuit of collecting funds from a victim. One who has bent over backwards to accommodate ; honestly I just want this never ending story of fraud and questionable collection methods to end. Please stop treating me like a XXXX who deserves this constant barrage of intimidation and threat. Im just a guy trying to pick up the pieces and move on.

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 2021-12-12 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: MI

Complaint narrative:
XXXX XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act. 
It was my understanding that the student loan Payments were on pause. I quickly notified XXXX when I seen the late payments.

One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted XXXX and they wanted a dispute letter. This is wrong during a national pandemic

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 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: MI

Complaint narrative:
XXXX XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act. 
It was my understanding that the student loan Payments were on pause. I quickly notified XXXX when I seen the late payments. 
One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted XXXX and they wanted a dispute letter. This is wrong during a national pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: MI

Complaint narrative:
XXXX XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act.

It was my understanding that the student loan Payments were on pause. I quickly notified XXXX when I seen the late payments. 
One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted XXXX and they wanted a dispute letter. This is wrong during a national pandemic

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 2021-12-12 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: MS

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$6700.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX Balance {$9900.00} XXXX XXXXXXXX Balance {$140.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXnquiry Date XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: MS

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance $ XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/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 2021-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: OH

Complaint narrative:
On XX/XX/2021, a balance of {$1100.00} appeared on my credit score after being acquired by Nationwide Recovery Systems in XXXX, TX. This balance is for treatment I received from XXXX XXXX XXXX XXXX years ago after an injury while on the job as a XXXX XXXX for the XXXX XXXX XXXX Kentucky at XXXX XXXX XXXX XXXX in XXXX, KY. 

My complaint is twofold. Firstly, I have attempted to contact XXXX XXXX XXXX at the email address XXXX, which is listed on the " Contact Us '' page of their website, for a debt verification letter. I sent this address a message asking for the debt verification letter on three separate occasions, once on XX/XX/2021, again on XX/XX/2021, and a final time on XX/XX/2021, and each time these messages were met without response. Failure to send me this letter would be in violation of the Fair Debt Collection Practices Act. 

Secondly, in the event that this debt is valid, it should still fall under Workers ' Compensation as I was working for the XXXX XXXX of Kentucky during my time of injury, and thus, not be my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$6800.00} XXXX XXXX Balance {$780.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX Inquired on XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE ORGANIZATIONS LISTED IN MY ATTACHMENT BELOW DID NOT RECEIVE WRITTEN PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT FROM ME. REPORTING LATE PAYMENTS, CHARGE OFFS, AND ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND WHICH IS FRAUD ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THESE ORGANIZATIONS HAD NO PERMISSIBLE PURPOSE TO PULL NOR FURNISH MY CREDIT REPORT. I DID NOT GIVE MY WRITTEN CONSENT WHICH IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I purchased a vehicle from XXXX on XX/XX/XXXX. I was able to get financed through Exeter Finance ( XXXX XXXX XXXX, XXXX, TX XXXX | XXXX ). The total cost of the XXXX XXXX XXXX XXXX was {$12000.00}. On XX/XX/XXXX the vehicle was stolen from me by a homeless man. He was later found in possession of the stolen vehicle after he crashed it while trying to abscond from a XXXX XXXX, GA police officer. My insurance company ( XXXX XXXX XXXX XXXX Georgia ) offered me an unfair settlement amount and I am currently in an active dispute with them over the {$5400.00} they tried to give me for my three month old car. 

While all this has been going on, I have still been responsible for the monthly payments to Exeter Finance. I have been unable to make them. I had to purchase another car to replace the one that was stolen and can not afford both payments. My bills are behind and I have pleaded for help several times with no response to any of my letters. I have also called them and asked for them to work with me, they denied helping me refinance the vehicle, defer payment, and completely disregarded my phone calls and letters and just keep sending bills and reducing my credit score. Not only has this affect me, but it has also affected my mother who co-signed the vehicle for me. Her credit score has reduced significantly. We are both victims of another person 's crime, but have been treated as if we are the criminal instead. I am in over my head with all of this. I need some help. No one will give me a break. Please if you can help me somehow I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE ORGANIZATIONS LISTED IN MY ATTACHMENT BELOW DID NOT RECEIVE WRITTEN PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT FROM ME. REPORTING LATE PAYMENTS, CHARGE OFFS, AND ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND WHICH IS FRAUD ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THESE ORGANIZATIONS HAD NO PERMISSIBLE PURPOSE TO PULL NOR FURNISH MY CREDIT REPORT. I DID NOT GIVE MY WRITTEN CONSENT WHICH IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I called transunion numerous times. I was told these inquiries will be deleted. They are still reflecting on my report. These are fraudulent inquiries that need to be deleted 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 2021-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I had my credit frozen XXXX, in fact there was to be no further loans made on my SSN # due to over $ XXXX in fraudulent charges, credit cards, and loans made in my name of which I did not persue. In fact between XXXX & XXXX my credit score went from XXXX to under XXXX. When I reported the fraud, all major credit reporting agencies locked down my SSN & forced a statement to any person or company looking up my name for a potential loan. I have notified this law firm of these facts, but The company continues to provide me with what appears to be digital signatures on contracts originating from a city I do not/did not live in as evidence to support their claim that I am still going to be held responsible for the debt ( regardless of the fact that I did not initiate any such transaction ). This firm appears to be XXXX bent on collecting this debt from me rather than trying to find the person ( s ) responsible for causing their client to make a loan under false pretenses and identity. Add this all up and this is indeed makes the firm just as culpible for damages inflicted upon me in a counter suit which I do not intend to file/nor do I wish to file at this time but will not hesitate if these attempts to collect on a fraud debt do not stop : for the actions taken by the company who issued a loan in my name without my permission to a person who is not me & whom I have no knowledge of who they are ; the company took no action that I have seen to confirm the legitimacy of this particular applicant and collecting it from me as an illegitimate way to somehow offset their losses for questionable and highly suspicious business practices the collector hired this firm operating on with what appears to be the sole pursuit of collecting funds from a victim. One who has bent over backwards to accommodate ; honestly I just want this never ending story of fraud and questionable collection methods to end. Please stop treating me like a scumbag who deserves this constant barrage of intimidation and threat. Im just a guy trying to pick up the pieces and move on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
requests for payoff, pay activity statements, inability to verify lender, homeowners insurance unable to verify payor, escrow deduction payments are 3 times higher than tax, insurance payments, principle balance not reduced in 3 years, payoff notice of satisfaction on court record and XXXX land records, book liber payoff satisfaction filed PHH still shows mortgage balance and investor is activity statements show payoffs and Deed Title are assigned not released, XXXX XXXX and XXXX XXXX XXXX unable to provide detail of loan location of deed, title and lender identity theft fraud reporting to XXXX, cyber attack continues, evidence of money laundering via other home sales and DEED records on several county court and multiple states of cash transfers trust sales of property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Assuming that Select Portfolio does not file motion to vacate judgment by XX/XX/XXXX, at XXXX PM. You'll leave us no choice than to contact the IRS tax fraud, Department of Justice, Florida tax collector, Inspector General, Florida Attorney General. This is the peak of the iceberg. States are losing " BILLIONS '' nationwide on unpaid intangible & stamps taxes in connection with loan modification loan increase .Food for thought after XXXX nationwide lenders engaged in millions of loan modifications where till today have not paid the taxes owed to State tax collectors. There are billions of dollars that have been abated by these financial institutions. THE MATTER IS CONSTRUED AS TAX EVASION!!!! The department of Justice has yet to learn about this. It's the biggest tax evasion scam ever! and must be investigated by the Watch dog and multiple Federal agencies. This is the biggest discovery by a Florida mortgage fraud investigator. Select portfolio you seriously think you're going get away from illegally acquiring a judgment on our home when are barred by Florida statute to collect or have any enfacement pursuant to Fla. stat. 201.08 ( 1 ) ( b ), 199.282 ( 4 ). You seriously think you are going to get away from evading taxes on mortgages instruments??? I have news for you sunshine, in the United States of America, one thing for sure is DEATH AND TAXES!!!! You are trying to sale our home on XX/XX/XXXX, A WARFARE OF LEGAL ACTION WILL BE BROUGHT AGAINST YOU on XX/XX/XXXX at XXXX PM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: MO

Complaint narrative:
The three reporting agencies ( XXXX, XXXX and trans union have reporting a bankruptcy in error. They are you a company ( XXXX XXXX ) to verify the information thru public records. This is against the verification rules. Public records can not be verified or checked for errors. The US bankruptcy courts provided me with a letter stating they do not verify nor provide any information regarding court proceedings. Therefore the agencies can't properly verify the information in credit report. By doing so the are violating federal law and XXXX rules.

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 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reached out to XXXX XXXX and Equifax in XXXX and XXXX to get a copy of my credit report and File. Neither companies have responded and I have sent both personal documents to verify my identity. My information was involved in Equifax data breach and I am trying to exercise my rights as a consumer to take the necessary steps to protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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:
I am a US Veteran XXXX XXXX in XXXX. I was assigned after my deployment to XXXX during the war against terrorism in XXXX. During my task I was injured in the Island during my work as a XXXX subcontractor. I had to go to the XXXX XXXX to the work incident. 
Never received a letter or any notification as I remembered that the XXXX was a ware that I was under the XXXX medical. 
My credit score was always above XXXX. Last week my credit score went down to XXXX. I am small business owner and just this week my bank credit line got cancelled. 

I am not at falt and I was never aware of this problem tell my credit score went dow to XXXX last week. I did sent a request to Transunion on XX/XX/XXXX and did contacted the other agency.

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