vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 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: MD

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under XXXX5 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: MD

Complaint narrative:
I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Escrows are inflated due to erroneous calculation of property taxes. Tax rate on XXXX XXXX XXXX XXXX MA XXXX is valued at {$190000.00} with an effective tax rate of {$17.00} per thousand with an additional {$50.00} for a preservation fee which equates to about {$3400.00} for the XXXX to XXXX tax year. In the recent past consumer has made attempts to have XXXX XXXX XXXX XXXX XXXX # XXXX fix the problem but instead of resolving matter XXXX did transfer mortgage immeddiately to Select Portfolio Servicing LLC Account # XXXX with the over-inflated escrows and the matter remains unresolved. Presently escrows are being calculated close to {$4700.00}. To resolve the matter consumer did pay water bill which had been previously liened on the taxes creating the problem. This information has been consistently communicated to both mortgage service, XXXX XXXX XXXX XXXX and now to SPS servicing with no resolution efforts. I prior statements made to CFPB SPS claims they have not been able to contact the tax authority ( town of XXXX ) and stated " Based on the information available, the third and fourth quarters of XXXX were not yet calculated, and can not be provided at this time. However, the taxes were all paid current as of the date of this letter, and there was no risk of a tax sale. The escrow amounts were established by your prior servicer with an effective date of XX/XX/XXXX. " ... Attached please find the property card that contains all the information needed for the tax rate and valuation yielding a XXXX to XXXX tax bill of {$3400.00} and also attached please find a printout demonstrating a payment of {$1500.00} ( representing water bill which was liened on taxes ). Had water not been liened on taxes XXXX XXXX to XXXX the tax escrows would be {$3200.00} based on the that calendar year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-15 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I give authorization for Wells Fargo to move forward with this complaint. This account is currently in litigation in a Federal Court suit against Wells Fargo Auto. The account went to litigation due to a billing error that was ignored by Wells Fargo. The account is being reported as late to the credit reporting agencies despite the fact that the entire balance of the loan is in Billing Error status. This is an adverse action and defamation and an extortionate act against the Federally Protected CONSUMER. The consumer is awaiting the courts signed summons to issue to Wells Fargo.

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 2021-12-15 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: OH

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I signed a lease and moved out in XXXX of 2020. I left a forwarding address with the front desk on a sticky note ( per their request ) but it was never placed in the system. Fast forward to today, I have a negative remark on my credit in the amount of $ XXXX and now receiving calls daily after inquiring about the debt. When I called the apartment complex, they refuse to assist with removing this debt from their credit agency and getting this remark removed from my credit. I do not mind paying what I owe, but I do not think it is fair to have this mark on my credit when they did not contact me about the debt. For what its worth, when I called in, the front desk did not ask me anything to pull my file. They were able to do so with my phone number which they had in their file and could have contacted me before sending this to collections. When I spoke with the collection agency, they refuse to work with me to get this removed from my credit or even offer some type of settlement. This is my only collection debt on my credit and I would like to get this removed. I've had this issue with this apartment complex and credit agency before and still decided to stay with them and I thoroughly regret it.

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 2021-12-15 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: LEXISNEXIS
State: SC

Complaint narrative:
XX/XX/2021, Lexisnexis I am responding to a email that is attached to this complaint. You asked me to send a clear copy of your driver license, social security card along with your most recent utility bill or credit card statement indicating your current address. I have attached my license, social sercurity and utility bill. I AM DISPUTING A BANKRUPTCY YOU HAVE ON FILE. I WANT TO KNOW THE SOURCE THAT GAVE LEXISNEXIS INFORMATION ABOUT MY BANKRUPTCY. MAIL ME THE THE SOURCE/COURT THAT LEXISNEXIS RECEIVED THE BANKRUPTCY FROM. Mail this informatio to XXXX XXXX XXXX, XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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 have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed some reports from XXXX but they were not able to remove it from XXXX and TransUnion. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX XXXX XXXX and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-15 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:
I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed some reports from XXXX but they were not able to remove it from Experian and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX Direct Violation of The FCRA Reporting falsely UndeXXXX XXXX XXXX Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX XXXX continues every couple of months to put this collection on my account after I tell them its not mine never lived at the address or was ever contacted this is identity theft and they keep removing it and then put it back every so often this is negatively affecting my credit it has to stop 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 2021-12-15 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: CA

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed some reports from Equifax but they were not able to remove it from XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
America First Credit Union has been reporting inaccurate financial information to all three of the major credit bureaus XXXX, XXXX, XXXX. A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, I have a right to have it removed. I originally submitted a dispute with American First Credit in XX/XX/XXXX and all 3 credit bureaus as well. Once I submitted that initial dispute in XXXX the balance began fluctuating on the account. The original balance being reported to the credit bureaus at the time was {$15000.00} and since the account was charged off/written off. I also requested all the financial documents from America First Credit Union to be sent to me as well. In those documents there was a balance of deficiency letter dated XX/XX/XXXX which also stated the balance was {$15000.00}. In XX/XX/XXXX the balance increased by {$7000.00} after the dispute on the closed/written off account. The balance was now reporting as {$22000.00} because interest was all of a sudden added. Upon this drastic and sudden change I contacted the company and spoke with XXXX XXXX. I advised her that in the state of Arizona it was illegal to add a sudden increase of interest to a closed/written off account. In XX/XX/XXXX XXXX XXXX sent me a email advising me the company now has a policy that interest will not be charged on closed/charged off accounts and that all the interest would be removed, which ultimately should have placed the account back to the balance which was originally being reported as XXXX. This is also the same balance that was on the balance deficiency letter from America First Credit. I submitted another dispute in XX/XX/XXXX for inaccurate information reporting to all 3 credit bureaus and the balance decreased from {$18000.00} to {$17000.00} and showed on my credit report that a payment was made XX/XX/XXXX. This is again inaccurate information and no payment has been made on this account. I am requesting per my rights that this account be removed from my credit for multiple inaccuracies. Per my FCRA rights and the rules and regulations America First Credit Union is in violation of reporting inaccurate financial information. I would like this account removed immediately from my credit report.

Company response to consumer: Closed with explanation