vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my Experian credit file that were being reported illegally. I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill to confirm my identity and the reasons why these items should be deleted. On XX/XX/2021, nearly two months after my initial communication with Experian regarding my disputes, which had not yet contacted me ; I decided to visit the CFPB website for help, I then submitted disputes with the CFPB. The Fair Credit Reporting Act states that the consumer reporting agencies have 30 days to complete a relevant non frivolous dispute, in some instances consumer reporting agencies have an additional 15 days to investigate. From XX/XX/2021, to present day over four months since my initial complaint, Experian has violated my consumer rights by failing to complete the investigations of these accounts listed below. 

XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am disputing this account as my consumer rights under the Fair Credit Reporting Act and the Fair Debt Collection Act. On XX/XX/2021, I.C. System, Inc mailed me a demand letter which I received on XX/XX/2021, on XX/XX/2021, I noticed that I.C. System, Inc reported a derogatory account to the CRAs which is a violation of my consumer rights because under 15 U.S. Code 1692g ( a ) NOTICE OF DEBT ; CONTENTS a statement that unless the consumer, within thirty days AFTER receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

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 2021-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I XXXX XXXX XXXX entered into a consumer credit transaction with Clay Cooley XXXX XXXX on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Clay Cooley XXXX XXXX took cash. The finance charge is suppose to inclose insurance, Clay Cooley XXXX XXXX made me purchase separately. 15 usc 1635 ( a ) states ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. 
I was not disclosed my right to rescind.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A XXXX XXXX XXXX XXXX hard credit pull from XX/XX/19 should be removed from my credit report. It has been on my credit report for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, my name is, XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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 as soon as possible!

These accounts 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 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 accounts listed IMMEDIATELY. 



1. XXXX XXXX XXXX XXXX ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$6500.00} 2. XXXX XXXX XXXX XXXX ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$3800.00} 3. XXXX XXXX - ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$1400.00} 4. XXXX XXXX XXXX ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$2700.00} Unauthorized Inquiries : 1. XXXX XXXX Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
The following accounts were opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A XXXX XXXX hard credit pull from XX/XX/19 should be removed from my credit report. It has been on my credit report for over two years.

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 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
On XX/XX/2021, I received a notification from XXXX indicating a debt collection company placed a debt against your credit account. I filed a dispute with XXXX and informed them this is not my debt. I later realized the debt has caused my credit score to decline do to the recent debt. The collection amount is {$690.00}, but I hadn't receive a bill disclosing the details about the debt, but I was able to obtain the phone and address of the collection company. 

On XX/XX/2021, I sent a letter to the debt collection company informing them they had the wrong person and I didn't receive a letter from them, but I found out through the collection company about more details of the debt. 

On XX/XX/2021, I called the debt collection company to inquire about the debt. I informed them they had the wrong person, but they were not willing to remove the debt from all of the credit reporting agencies. I stated several times they had the wrong person, so I requested to speak to a Manager. The Manager didn't want to listen to me even after I stated several time they had the wrong person. The representative stated several times, she wasn't willing to remove the debt, but I stated again, this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
Hi, My name is XXXX XXXX. My mortgage company is Mr. Cooper. The account number is XXXX. The issue I am having is that they are fraudulently applying a principle only payment to the next months bill that is not even due yet. Specifically, I made the monthly payment for XXXX and a week later I made an extra payment that I selected to be applied to the principle. Mr. Cooper has fraudulently applied this to XXXX 's bill. This is fraudulent because my bill is not outstanding, I have not selected it to be applied to next months bill, and more importantly it skips ahead and does not include the principle payments I will make later in the month which lowers my principle and allows them to charge a higher interest. This is the second time this has occurred. Please see the attached photo of my statement. The bottom circle shows my XXXX mortgage payment on XX/XX/2021. The top circle shows my additional payment of {$3000.00}. However, it is another monthly mortgage payment ( for the following month ) of {$2200.00} plus additional {$780.00} to principle. This should have entirely gone to principle and not to the following months bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: FL

Complaint narrative:
on XX/XX/2021 inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, US SM BUS ADMIN ODA.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX  inquired on XX/XX/XXXX XXXX, US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/2021 ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This reporting does not belong to me. Wrong report on my credit report history

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 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a letter to all 3 credit bureaus to verify debt of National Credit Systems on behalf of XXXX  XXXX  as on each report was reported differently and notified that status showed paid and no debt was owed on account. I have not received any verifiable information from either credit bureaus to advise of debt other than the collection agency have verified debt. I started paying this debt in XXXX. I reviewed my credit report in XXXX as status showed paid and stopped making payments. I did not receive any verifiable information of amounts I paid on account. I no longer received phone calls regarding debt from XXXX. I started receiving phone calls regarding debt as of XX/XX/XXXX and explained that debt was validated as paid on credit report and no debt was owed. The representative preceded to say that although it showed it was paid that debt was still owed. This company have reported inaccurate information on my behalf. The bureaus went off a previous dispute from XXXX to determine the information was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/2012 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX, XXXX  AND TRANSUNION ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing this account as my consumer rights under the Fair Credit Reporting Act and the Fair Debt Collection Act. On XX/XX/2021, XXXX. XXXX, XXXX mailed me a demand letter which I received on XX/XX/2021, on XX/XX/2021, I noticed that XXXX. XXXX, XXXX furnished a derogatory account to the Transunion which is a violation of my consumer rights because under 15 U.S. Code 1692g ( a ) NOTICE OF DEBT ; CONTENTS a statement that unless the consumer, within thirty days AFTER receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 


XXXX. XXXX, XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: AL

Complaint narrative:
15 USC 1692e any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and 15 USC 1692f any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. 15 USC 1692a Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692B ( 4 ) ) The advertisement for sale of any debt to coerce payment of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of TransUnions credit inquiry issue. TransUnion removed all of my inquiries and re-inserted them back on my credit report. I called and spoke with XXXX at TransUnion. She could not help me even after I mentioned the FCRA law to her multiple times, Section 6.11 of the FCRA states that ANY items that were deleted and then reinserted, i must be notified. I did not receive a letter and was not notified on this matter! 

The Credit Inquiries that are on my credit report are as follow : XXXX XXXX  - Inquiry date XX/XX/XXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX Fcu - Inquiry date XXXX XXXX, XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX  XXXX  XXXX- Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX Card - Inquiry date XX/XX/XXXX 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 explanation