vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 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: NJ

Complaint narrative:
On XX/XX/XXXX, I discovered some accounts on my credit report that did not be long to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and found out XXXX account on EQUIFAX account numbers that I did not recognize, The XXXX account with Unknown account that are not mine and they are on my EQUIFAX credit report, alleged account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: MA

Complaint narrative:
In accordance with the FCRA XXXX account XXXX has violated my rights. 15 U.S.C. 1681 section 602a states I have the rights to privacy. 15 U.S.C. 1681 section 604a states a consumer reporting agency can not report my personal information without my written instructions. I didnt give Experian or anyone permission or written instructions to report this account. I demand that Experian delete this account immediately based on this FCRA U.S. codes.

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 2022-05-02 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: NV

Complaint narrative:
Ive been in the process of applying for a mortgage for the past several months. The XXXX obstacle stopping us from obtaining the loan is Equifax. 

My lender has been unable to access my credit report from Equifax, and so have I. I have repeatedly contacted Equifax to resolve the issue with no avail. Ive been asked to send in documents to verify my identity over and over again. Starting in XXXX, I have sent in several copies of my drivers license and social security card after being told that the previous attempt failed. 

I have lost complete faith in this company as I have sent in my documents over XXXX times now, and have still been unable to access my credit report. I am unable to get a loan because of them, and have lost tens of thousands of dollars as rates have gone exponentially higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Late last year i received a notification on a credit reporting agency of a major derogatory account from a debt collection agency named credence resource management, i contacted the company and informed them i did not have an account with them, they mentioned the debt was from XXXX XXXX XXXX mobility, informed them i had not opened an XXXX XXXX XXXX mobility account, i contacted XXXX credit report and they opened up a fraud claim, on XX/XX/XXXX i received a letter stating the account was now deleted from my credit report as they determined it was a fraudulent account, i now am receiving a new derogatory account on my credit report for the same account from a new debt collection agency, sunrise credit service. 

XX/XX/XXXX : CREDENCE RESOURCE MANAGEMENT for XXXX XXXX  - account was deleted after my dispute was approved by XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX -fraudulent account, based on XXXX representative is a collection agency for the same XXXX XXXX  account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
There is someone in XXXXXXXX XXXX XXXX XXXX that keeps using my social security number. Ive had it removed and freezes put on my reports but his information keeps popping up using my social security number. Ive contacted the police, credit bureaus, and all. He has a lot of names and addresses connected to him and his address. I live in 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 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

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 2022-05-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
Diversified Adjustment Collection Agency violated the FCRA by reporting negative information to the credit bureaus prior to notifying me of this alleged debt which is deemed to be unknown, past statute of limitations and/or fraud related. This agency reported me to the credit bureaus alleging I owed {$4100.00} on an account was opened on XX/XX/2022. This report raised a red flag because how could an account be opened in XX/XX/2022 and already in collections? Furthermore, why would they report this to the bureaus prior to contacting me? I was also informed by the credit bureau that my social security number was comprised and leaked on the Dark Web on XX/XX/2022 ; 3 days before this agency alleged the account was opened. I contacted the agency by calling the number associated with them and requested they send me something in writing. It's been 13 days and I still have not received anything from Diversified Adj. Services Inc. I have reason to believe false information was provided to the credit bureaus regarding this alleged debt and that this company is associated with several Dark Web Activities made in XXXX XXXX. My credit score dropped over XXXX points the next day and now shows below average. So far I have filed a police report and sent Diversified Adjustment Services a dispute, validation of debt and proof of claim letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX XXXXXXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX XXXXXXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: MoneyLion Inc.
State: SC

Complaint narrative:
I had XXXX separate loans with MoneyLion. These loans were titled XXXX XXXX XXXX. I took these loans out for the purpose of rebuilding my credit after my divorce. I never even used the money. It sat in my MoneyLion savings account for the entire time of the loan to repay the loan.

I made all payments on time and after loan was paid off they continued to charge me for the loan. When I first noticed this on my account I disputed it personally through all XXXX credit bureaus. As well as a credit repair service I was paying for. After getting XXXX results that way, I contacted MoneyLion and was escalated up to a supervisor. He confirmed that all loans were paid off and that MoneyLion actually owed me money instead of the way it was reported on my credit reports. He refunded me my money and assured me they would be removed. XXXX months later it is still on my report. I have a letter from the supervisor I spoke with that day stating the correction. I will attach below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I paid my bill on the due date ( XX/XX/XXXX ) and noticed an increase. when I looked at my statement online, I noticed a charge for a shortage. when I called to enquire about it the first person told me I had a reevaluation of escrow, and it was short XXXX dollars. when I asked about how this happen as my loan was modified in XX/XX/XXXX. I was told it was reevaluated in XX/XX/XXXX. And my insurance had increased. My insurance was paid in XX/XX/XXXX, i was XXXX dollars short. After asking to speak to a XXXX, the discussion revolved around my escrow. I was told I basically had to have double the amount of a payment in escrow. I did in XXXX but was told I still had to pay XXXX. An escrow XXXX was placed on the line. He told me I hadn't been paying the full amount of escrow and I was short over for XXXX different time lengths, {$210.00} for XX/XX/XXXX to XX/XX/XXXX, {$320.00} for XX/XX/XXXX to XX/XX/XXXX, and {$210.00} for XX/XX/XXXX to XX/XX/XXXX. 
I was told after doing a home preservation package and making the required XXXX a month payment for XXXX  months, my payment would be XXXX Dollars. I asked different representatives several times if any other charges were required and was told no I was " caught up '' with my new mortgage. I have made the payments in good faith on time since. As far as I can tell i am behind about XXXX dollars. I was told by the escrow expert that home preservation and his dept are different and they didn't get payments from them which is confusing to me. I thought it was the same lender. 
I was told that it was divided into XXXX monthly payments but this same thing could happen next years and result in more hidden payments so I will always be paying fees I wasn't informed of. during the loan process

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 2022-05-02 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: Rent Recovery Solutions
State: MI

Complaint narrative:
This fraudulent account has already been removed off ALL consumer reports back in XX/XX/XXXX and was illegally reinserted on consumer reports on XX/XX/XXXX. Pursuant to 15 USC 1681i ( b ) ( ii ) no consumers were notified no later than 5 business days after reinsertion this is well over 5 business days. This is a fraudulent account and has been deleted from all consumer reports before, therefor this is inaccurate reporting to the consumer report agencies and your company Rent Recovery is willfully performing identity theft, and violating my consumer rights by furnishing this account to the consumer reporting agencies. 

I have attempted to resolve this matter by mail in which your company signed this document, and ignored my request and correspondence. Delete this account immediately, cease and desist all forms communication through any and all mediums, and terminate further alleged debt collection efforts. Furnishing deceptive forms on my behalf as the consumer is in fact violation of FDCPA, and is considered communication with the consumer when notified to cease by the consumer. This is my FINAL time invoking my specified remedies as the consumer pursuant to 15 USC 1692c ( c ) ( 2 ) before I seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TX

Complaint narrative:
On XX/XX/2022 i've disputed erroneous information on my credit report with TRANSUNION. 
They did not do a proper investigation. 
Account : XXXX XXXX # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last actives inaccurate, and date last reported is not accurate.this is ground for removal, they also violate my rights under XXXX XXXX XXXX XXXX XXXX XXXX.States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In the year of XXXX, I traveled mostly and had a different mailing address from the property address so someone could assist me with my mails. I also had my bank automatically sent the payment to the mortgage company at the beginning of every month. 
Around XX/XX/XXXX, my loan was transferred to Shellpoint, a division of Newrez, but I didn't receive the statement of transfer ( until XXXX ) nor the subsequent monthly statements. Around XXXX, I found out about the transfer. Immediately, I contacted Newrez and found out at transfer point, Newrez had the wrong mailing address on file so I hadn't gotten a statement. Also the previous mortgage company stated that they forwarded the XXXX and XXXX payments but returned the XXXX and XXXX payments. Immediately, I sent in all the payments that were behind to Newrez. 
Around XX/XX/XXXX, my bank and I contacted Newrez and requested for the late fee of {$200.00} to be credited. The reason was I was paying on time, but their mistake of having the wrong mailing address on file was causing all the confusion : me not be aware of the loan transfer nor getting the monthly statements and, therefore, my payments were going to the previous company. I never heard about the result of my request from Newrez after that. 
On XX/XX/XXXX, I contacted Newrez again and spoke to XXXX XXXX who said he would file a complaint to remove the late fee in XXXX and XX/XX/XXXX. Again, I never heard from Newrez again. Around XX/XX/XXXX my loan was transferred to another company. 
On XX/XX/XXXX, I contacted Newrez again to follow up on my request and spoke to XXXX XXXX who said my request was denied because my account was transferred out so there was no account to credit to. I told her in that case Newrez can send me a refund check of the credit, it doesn't need an account to credit to. But XXXX XXXX insisted that XXXX XXXX is pretty higher up and that was the decision. This is the most lame excuse or illogical reasoning. It is similar to when you close your credit card account and there is a credit, and the credit card company said they're not going to send you a refund check because there's no account to credit to. 
In summary, the company entered in the wrong address at transfer point causing the issue, repeatedly ignored my requests, then finally came up with an lame, illogical excuse for not giving me back my money.

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 2022-05-02 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: PNC Bank N.A.
State: FL

Complaint narrative:
PNC has not reported my payment status correctly for months. I explained that I had XXXX  and then I submitted a form for automatic payments. They didnt accept the payment method and sent me a ridiculous letter, that I never received. I heard about the letter once I called the bank after my account was not debited. This bank is falsely reporting against my credit.

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 2022-05-02 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: TX

Complaint narrative:
I sent a complaint regarding I.C Systems to verify a debt. It has been pass XXXX days and still no verification.

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 2022-05-02 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: TX

Complaint narrative:
I had sent XXXX round of dispute letters. The first round of letter was sent and received on XX/XX/2022. I ask the them to check the info on the collection because I believe I saw several discrepancies and to provide me with the actual contracts. Remove anything you can not provide signed, original contracts for that correlates to the accounts in question. They update it but didnt provide me with the actual contract! Then I send the second round of my dispute letters and they received it on XX/XX/2022. They deleted XXXX account but updated the others and still havent provided me the actual contract to the accounts. Which are required to do this under the FCRA XXXX provision. Experian

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 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Hello XXXX please provide me with the debt validation that includes the original contract. I have yet to receive any form of the original contract. Per XXXXXXXX XXXX XXXXXXXX you have willfully and non-negligently complying with the federal law by reporting inaccurate and invalidated information. Per XXXX XXXX XXXXXXXX ( f ) this is an act of unfair and deceptive practices by failing to provide and honor my demand. 
You have 30 days to respond to this issue. It has surpassed XXXX days and I still have yet to receive proper validation of this debt. Please provide me with the XXXX XXXX XXXX insurance number to proceed with this litigation process. I demand immediate deletion of this account. 


Discover Bank XXXX This account is inaccurate

Company response to consumer: Closed with explanation