vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under 15 U.S. Code 1681b ( 2 ) - Permissible Purposes of Consumer Reports ( a ) In General Subject to subjection ( c ) any consumer reperting agency may furnish a consumer report under the following circumstaces and NO OTHER : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 
I XXXX XXXX NEVER gave XXXX any wriiten consent to report anything on my consumer report. I will attached a copy of the law with this letter. Concerning the accounts listed above I demand late payments be removed. No consent is Identity theft.

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 2021-02-23 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX XXXX and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, Equifax and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My intention is to file dual complaints with Equifax and Attorney General of Texas Child Support Division and if necessary, seek damages for the management of this account. Last month I addressed the issue with the Attorney General and payments quickly cleared late payments. Less than 30 days insufficient payments and late payments are being reported. Ive now had credit cards denied and limits reduced due to this negligent reporting. 
I do not understand the miscommunication but now that I need these credit lines for my XXXX  and are having a direct impact on my lively hood and will no longer be tolerated. 
The Attorney General set precedent for how it reported and I was able to re-establish credit. This allowed me to improve my employment, XXXX, and overall financial wellbeing. Now its recent reporting the last 12-14 months threatens to destroy what I have worked so hard to restore. 
I understand and respect the purpose and need of the Attorney General Child Support Division. I have to believe that the intention of this office is not to damage people who have taken responsibility and are doing everything possible to right their wrongs by making timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MSCB, Inc.
State: IN

Complaint narrative:
This is a formal complaint against MSCB INC for attempting to collect a debt that does not belong to me. On XX/XX/2021, I received a letter from MSCB INC, stating I had a past due balance of {$96.00}. This letter was sent to me in error as I am not XXXX XXXX XXXX. Also, I do not have any outstanding balances with " XXXX XXXX XXXX. '' Per the FDCPA, collection agencies have to send a written notice of debt to consumers before reporting the debt to the credit bureaus. The letter must contain the following : " ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; '' ( 3 ) Thirty days to dispute the validity of debt upon receipt of the notice ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' I request MSCB cease from contacting me regarding this invalid item as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
A few weeks ago, I received an email from XXXX indicating that there was a collections account on my credit file from a law firm called Kimball , Tirey & St. John LLP. When I looked further into the issue, I discovered that it was for a rent payment that they alleged that I did not pay in XXXXXXXX XXXX to XXXX XXXX XXXX  in XXXX, California. 
I promptly looked through my records and found that I had, in fact, paid my rent that month. In what has turned out to be a stroke of luck, I paid with my XXXX credit card, and I had a copy of my statement from that month, including a payment of {$1300.00} made on XX/XX/2019 to : XXXX XXXX XXXX  XXXX XXXX ... 
I disputed this collections account with XXXX and furnished them with information that I had paid the debt on time, but for some reason XXXX declined to remove the collections account from my credit report. 
I also contacted Kimball, Tirey & St John LLP and provided them with a copy of my credit card statement showing the date and amount of my payment. They responded that they would look into it, but as of this moment, I haven't received any further news. 
If you look at their invoice, of which I have enclosed a copy, and take into account the payment that I made on XX/XX/2019, it becomes clear that XXXX XXXX actually owes me money, since they never returned my security deposit. 
The worst part of all is that this was reported as a collections account to at least two of the credit reporting agencies, and I was in the process of buying a house. Once XXXXimball, Tirey & St. John reported this false or erroneous debt to XXXX  my credit score instantly dropped by 69 points, effectively ruining my chances of purchasing a home in the near future. 
I feel lucky to have solid proof that my payment was made, and I feel that there are likely a lot of lower income families that are victims of similar situations. Families that trust that when they make a payment, that someone is keeping track and doing the right thing. Unfortunately, that doesn't seem to be the case here. 
In the attached documents, I have highlighted the relevant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted TransUnion after i sent a letter to them requesting the following unauthorized inquiries be removed and the customer service department and fraud department were not helping me get this removed. I have continually informed them that I was a victim of the inquiry issue they had and the following are not authorized to be on my account. 

XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion

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 2021-02-23 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: MARINER FINANCE, LLC
State: MD

Complaint narrative:
There is a company called Mariner Finance and I never took an account out or I never applied and it's on my account fraudulently also XXXX XXXX XXXX XXXX  as well and something called XXXX XXXX XXXX XXXX XXXX  they also have my information and I never heard of these places. I have a credit freeze on my credit reports for 7 years. I never took these accounts out at all. I am a victim of identity theft, for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
It was brought to my attention that I am in debt collection for allegedly not paying my medical bill? If I did use services, I was never notified by email, phone or letter about the charges from the medical facility? I am shocked that this was reported on my credit? 

Collection Agency : Rash Curtis & Associat Balance Date : XX/XX/2020 Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: Early Warning Services, LLC
State: NC

Complaint narrative:
I have attempted to receive my free annual disclosure of my report from Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX by mail and fax on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX to no avail. The company will not even acknowledge that they have received correspondence from me. I am only requesting my file to be emailed or mailed to me. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: KS

Complaint narrative:
Someone stole my identity and opened an auto loan in my name with XXXX XXXX XXXX on XX/XX/XXXX, Which I am in the military, United States XXXX and I was on deployment at that time in XXXX. I pulled my Experian credit report on XX/XX/XXXX and noticed a charge off amount of {$18000.00} written off with a past due amount of {$17000.00}. This is not my account. I contacted XXXX and Experian about the matter. Experian is still reporting this fraudulent account to third parties which is hurting my reputation to attain credit.

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 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: IA

Complaint narrative:
Hunter Warfiled, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: NY

Complaint narrative:
In XX/XX/2020, we sold our house at the address XXXX XXXX XXXX XXXX XXXX, MA XXXX and paid off the loan. There was an escrow balance of {$2400.00}. There was also interest on escrow of {$10.00}. We received our tax statement this year and both of these say they were refunded, but they never were. I have been trying to get the escrow from Sierra Pacific Mortgage since XX/XX/2020. I emailed, called but keep getting the run-around. We no longer live at the above address, but it was never sent there as we know the current home-owners. We asked Sierra Pacific Mortgage to send it to our new address XXXX XXXX XXXX, XXXX NY XXXX. They changed address to that on file and said they will send it in XX/XX/2020, but they never did. 
Loan details below Account XXXX Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXXXXXX XXXX XXXX : Sierra Pacific Mortgage I have attacheed the tax statement Thank you, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC
State: IA

Complaint narrative:
Mountain Run Solutions, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXXXX Balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2021-02-23 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXXXXXX  Balance {$0.00} GOLDEN 1 CU XXXX  Balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2021-02-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I learned that my unemployment EDD card was used to make unauthorized purchases at a number of locations between the dates of XX/XX/XXXX and XX/XX/XXXX. I called XXXX and they were able to take down my claim and cancel the card and issue a new one. Fast forward to XX/XX/XXXX and I received a letter from boa stating the dispute was now closed with little to no explanation as to why. I have physical evidence that I can use to show I was not in the area the card transactions occurred on the specific dates and times. as well as XXXX location data that also shows I was in another state at the time those purchases were made. Since bank of America very hastily jumped to the conclusion the claim was false and should be closed with no investigation I would like them to prove to me on what basis they are making that assumption. because I have actual evidence, they only say in their letter they " believe '' the claim was false and deemed not worth looking into. Also I would like to know why if it was a " false '' claim as to why now I can not access my unemployment benefits that I was depending on having use of due to my inability to access the government benefits. Bank of America has clearly violated Regulation E specifically Section 205.11 ( Regulation E : Electronic Fund Transfers 12 CFR 205 ). and I feel bank of America should incur a fine of some sort to make up for their complete disregard of the laws and duties of their customers. I hope bank of America is held responsible for the numerous instances of wrongful practices that im sure many others are dealing with during the cover 19 pandemic. Thank you and I look forward to your response.

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 monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent a certified letter to Equifax and XXXX on XX/XX/XXXX notifying them about the violation of US law 15 U.S Code 1681b Permissible purposes of consumer reports code which states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, or Equifax any written consent to report anything on my consumer report pertaining to a bankruptcy, no consent is identity theft. For their convenience I also attached a copy of the law to the letter. They each then forwarded a letter to me stating that regardless of what the US law says, that the information will remain, further violating the law. Just to clarify things I am not a lawyer, and I am not with a credit repair company, as I am aware that is illegal. I am just a well informed consumer that reads and can comprehend law. I am looking to get this deleted immediately or I will pursue legal action against Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Good morning, I've filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent Transunion five dispute letters on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. All of the dispute letters were sent by certified mail. In response to these disputes Transunion failed to verify incorrect accounts on my credit report or even respond to dispute requests. Also, Transunion has violated CFPB laws stated in documentation not being able to verify with " so called '' creditors on 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 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
After Acima Credit falsely offered credit on behalf of XXXX XXXX  when they are actually a Rent to own business, I voluntarily, returned the Sofa. I made 1 payment and returned the product. The store informed me that they would pick up the sofa. On XX/XX/20 XXXX XXXX came and picked up the sofa. Animal credit received notification of this from the store XXXX XXXX. ACima credit continued to take payment until I filed a complaint with my Bank/XXXX XXXX to stop the automatic debit since I no longer had the product.

Company response to consumer: Closed with explanation