vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I was not made aware of these fraudulent accounts until they showed up on my credit report.

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 2023-08-23 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: NC

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedAFFIRM INC PBDJ****

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 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
Good Afternoon, This is XXXX XXXX, I use to live in XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I have proof of emails going back and forth with the manager advising her 3 weeks ahead that I was going to move out of the XXXX XXXX due to raising the rent with out notice. I properly informed her send an email also filled out some paper work and returned it back through email. When I was about to move out the last day she did not even notify us where need to sign or drop off the keys. Also reasoning of moving the XXXX XXXX was infested with roaches she been notified multiple times to please do something about it but not really fix the issue where I started to get sick due to the roaches infestation. Leaving the XXXX XXXX I made sure I cleaned as much as I could but the roaches where still out she stated in a note that was no clean which thats in curtate also left due being sick I wanted to leave before I wasnt unable to make no more payments for my illness an not leave in wrong terms or have a bad credit on my side due to that also I have the agreement where it states the deposit they will use it for any circumstances am they are charging me for no reason I am unable to pay at this moment Im going in XXXX I believe I did the proper procedure in giving them enough notice to move out and not owe anything may I please be advised with some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management
State: WI

Complaint narrative:
its been si long ago that I really dont remember. However I went through a debt consolidation program and a bankruputcy. I realy dont rememberI but I know that anyone that responded to thw consolidation was taken care of AND any one included in the bankruputcy was dismissed.. I no longer have the paperwork.. Probably more than 9 or 10 years ago. Now they have put this on my credit file as though it si current. 
It should not be on my file at all..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: WA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-23 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I received a bill from Citibank in the amount of {$120.00} and I paid it in full on XX/XX/XXXX ( it was due on XX/XX/XXXX ) electronically. I received another bill in XXXX with a late fee of {$33.00}. I called Citibank and they informed me that they did not receive a payment and that I needed to provide them with a copy of the check and a copy of my bank statement showing the amount was deducted from my account, and they temporarily reversed the charge pending their investigation. I provided them with both the check and my statement on XX/XX/XXXX. I called again on XX/XX/XXXX when I received a letter in the mail stating that they were reversing the credit and charging me again. I called that day and they said they couldn't read the documentation that I sent them electronically and that I needed to submit it again along with the bank transfer information. At this point I called my bank and they sent me a letter with the information and I subsequently sent the information to Citibank again. I followed up with an email on XXXX and I received a message stating that I would receive information regarding the follow up once they completed the investigation. Again, I received a bill from Citibank in the amount of {$120.00} and when I called they said that they didn't receive the information requested so I needed to resubmit and that the account was still under investigation. When I asked every time to speak to a supervisor or someone who was in charge of my account I was told to just call back in 24 hours. I have made 2 trips to the bank and made 5 phone calls regarding this issue. I have submitted copies of my bank statement, a copy of the check provided by my bank, as well as a letter from my bank stating that the payment was made. They have no made no attempt to help me as the customer, no one has once called me to tell me that the information was difficult to read, nor have they asked me to provide them with a copy of these documents via the mail or fax, they just keep sending letter stating that I still owe the money.

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-23 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: HI

Complaint narrative:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.

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 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX  the money to the name and email address the illegid company told me to so I can purchase a puppy. Delivery was last Saturday and never had any communication with the carrier service they informed me was doing the transport. Called the company and there was no such transport under my name or confirmation number. XXXX the website to make sure legit company and there was no reports. After not getting emails from carrier and no such reservation for me I XXXX the website again and now it's flagged scam.

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im XXXX when I lost my job I inform XXXX  XXXX that I need assistance and I placed a credit protection to pay the minimum payment. in XXXX they close my account because my payment was returned but I placed a credit protection so thats shouldnt happen because I have credit protection so they remove the credit protection without notifying me and that cause card to be closed and also become delinquent from then also they never give me any accommodation from the law 15usc 1681S-2 ( A ) ( 1 ) ( F ) and they damage my credit score I attached to documents below one where is show credit protection and the next month no credit protection or that the credit protection was remove

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 2023-08-23 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: OH

Complaint narrative:
IT HAS NOW BEEN 32 CALENDER DAYS PAST FROM THE DATE XX/XX/2023, UPON RECIEVING MY REINVESTIGATION DISPUTE LETTER FOR BOTH TRANSUNION LLC XXXX XXXX THE FOLLOWING DOCUMENTATION OF FURNISHED INFORMATION IN DISPUTE IS INDEED SHOWING MULTIPLE INACCURACIES, INCOMPLETE & UNVERIFIED ACCOUNTS! 

AND ARE NOW AND HAS BEEN IN VIOLATION OF THE FOLLOWING FDCPA LAWS! 
15 US CODE 1681i ( a ) ( 1 ) ( A ) 15 US CODE 1681i ( C ) 15 US CODE 1681i ( 2 ) ( A ) 15 US CODE 2681i ( 6 ) ( 7 ) PLEASE DELETE THESE ACCOUNTS

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I purchased a car from us auto sales in XXXX  and they went out of business but now westlake portfolio management asking for payments to be sent to them and I dont understand how when us auto went out of business

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 2023-08-23 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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: TN

Complaint narrative:
EXPERIAN DID NOT INVESTIGATE THIS ACCOUNT CORRECTLY PROPERLY THIS ACCOUNT NEEDS TO BE DELETED Immediately. EXPERIAN ON ONLY INVESTIGATION TOOK THEM 3 DAYS TO INVESTIGATE THIS ACCOUNT. BY LAW ITS SUPPOSED TO TAKE UP TO 30 DAYS OR MORE BECAUSE THEY HAVE TO REACH OUT TO THE CREATORS TO CHECK AND SEE IF THE INFORMATION IS CORRECT.A DISPUTE TAKES TIME TO DISPUTE. XXXX XXXX XXXX DID NOT CONTACT YOU. IKNOW BECAUSE I SPOKE WITH THEM.THEY GAVE ME THE LETTER TO GET THE ACCOUNT DELETED AND I HAVE MY PROFF OF CLAM. EXPERIAN THEY ARE BREAKING THE LAW OF THE FCRA & THE FTC and the CFPB.THERE WAS NO status update. DISPUTE WAS OPENED ON XX/XX/2023 Closed back on XX/XX/2023 THERES NO POSSIBLE WAY THAT THIS ACCOUNT HAS BEEN PROPERLY INSTALLED I DEMAND THAT this Account 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 explanation
Consumer complaint received 2023-08-23 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: NV

Complaint narrative:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: NC

Complaint narrative:
I looked at my credit report and noticed inquiries I did not authorize. They are as follows : Experian Credit Report XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX 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 explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect Inc is reporting a fraudulent account on my credit files. I did not open nor consent to this account being open. I will exhaust all legal avenues afforded to me to get this account removed from my credit. I will sue said creditor or collection agency in small claims court within 14 days of receipt of this complaint. 

ProCollect Inc XXXX {$3900.00}

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several letters to XXXX, Equifax, and XXXX advising of incorrect names, addresses, birthdates, and socials. They only responded that they updated the information ; however, all files still show incorrect personal information. When I called, they stated they could not remove the incorrect information. This has caused me to get denied loans and credit because my identity could not be verified. These letters were all sent within the last year, with my last attempt being in XXXX of 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I was deployed to the XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. During this time, my mortgage was sold to a new mortgage provider ; Freedom Mortgage. 

My autopay was discontinued and when I returned back to the states, I learned that I had missed 2-3 months of mortgage payments.

I have paid all the missed payments within 1 month of realizing this, even before my XXXX XXXX orders officially finished. 

Since then, my credit score bottomed out to XXXX and now they are refusing to cancel my PMI due to missed XXXX or more mortgage payments in the last 12 months. 

I feel I should be protected by the civil service relief act. 

I was able to get my credit score within the XXXX again. Freedom mortgage has been incredibly difficult to work with and wont discharge my PMI.

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