vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 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: MA

Complaint narrative:
XXXX XXXX is only the owner of the vehcile can apply for an abatement XXXX XXXX says they have here we are 5 months later and they lie they have not as of XX/XX/XXXX per XXXX city hall abatement person XXXX # XXXX but XXXX still reported late payments for XXXX to XXXX ruining my credit still saying it is my responsibilty to get abatement it is not the lease was paid off on XX/XX/XXXX i did not own the car inXXXX and they have recd all paperwork several times and several phone calls to fix my crtedit and transunion says all info is verified wrong look at documents car was returned to XXXX in XXXX onXXXX so how did transunion verify wrong info look at the documents not my debt fix my credit back to XXXX fico score stop passing the buck stop listening to XXXX  XXXX call XXXX city hall to verify XXXX has not applied for an abatement as they have said 4 months ago BUT THEY KEEP ON REPORTING ME LATE ON PAYMENTS ON LEASE THAT WAS PAID OFF IN XX/XX/XXXX 2020

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 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly. Otherwise, remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 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: TX

Complaint narrative:
XXXX Card Dpt EdXXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2021-09-08 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: TX

Complaint narrative:
XXXX Card Dpt Ed/XXXX I XXXX unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2021-09-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a dispute letter to all 3 credit agencies to verify the inaccurate and unverified information I demand to be removed from my credit report. It has been more than 30 days and not a single response from any of the agencies. This demand to comply letter states the accounts in question and per federal law with the FCRA I demand these accounts be removed from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: RI

Complaint narrative:
I was never notified that I owed a debt by the company. Debt collection agency constantly calling my phone and leaving messages and threatening to keep calling me until I pay a debt that Im responsible to pay them for. They threatened to keep sending negative report to all credit three bureaus in order to get a payment out me. Theyve already impacted my credit report which caused me to be in more financial hurdle. I want them to stop calling me and leave me alone. I dont owe them debt and they need to get rid of my information.

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 2021-09-08 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: PA

Complaint narrative:
Experian reported a XXXX XXXX acceptance account that is a closed account with inaccurate payment history, A XXXX  XXXX auto account that is closed with a payment history that is still inaccurate after being disputed, a XXXX XXXX account that is closed with inaccurate payment history that has been disputed and a XXXX XXXX account that is in collections. Experian did not have my written consent to do so and violated federal law pursuant 15 U.S.C 1681B ( 2 ) this law states A consumer reporting agency only can report with the written instruction of the consumer to whom it relates. This is what the CFPB identifies as identity theft as when someone uses your name, social security number, date of birth, or other identifying information without authority, and because I did not give Experian Authority to report anything on my report they are in violation. Experian also told me they verified that these account were accurate but according to federal law 15 U.S.C 1681a. ( e ) in order investigate a consumer report you have to interview with neighbors, friends, and associates of the consumer. So, whom did they interview? and still such information should not include specific factual information on my consumer 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 2021-09-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had tried to contact Experian several times in reference to my account with XXXX XXXX not being reported. I've spoken with an Experian Manager today in reference to the situation and he stated, I just needed to wait. I informed him that's what I've been doing waiting and I can't figure out why they are holding my information and not adding it to my report. I also wanted to find out why I've paid off several of my accounts and my score would drop XXXX points. The supervisor stated he's not sure, but what he did know is what I wanted him to do with not be done. When I tried to explain what XXXX inform me he told me I need to be quiet and act my age and stop crying about it. I could not believe someone ( a manager ) would talk to me in this manner. When I told him I must write someone for help, he reply " DO IT '' so I disconnect the call. 

ALL I CAN SAY IS PLEASE ASSIST CFPB!

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 2021-09-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Unauthorized Inquiries on my credit reports with XXXX, XXXX and Equifax : XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Unauthorized Inquiries on my credit reports with Experian, XXXX and XXXX : XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX 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 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: FL

Complaint narrative:
When XXXX XXXX XXXX can't honor their own warranty and XXXX XXXX  to replace a phone. It's on XXXX XXXX XXXX not the Customer. ERC XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX is a Fraudulent company that has already ruined my credit and refused to work with XXXX XXXX XXXX. XX/XX/2021. ERC was reported to the IRS for Felony Wire Tap Fraud and Embezzlement Charges. FCC Was contacted. FBI contacted. Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: MA

Complaint narrative:
In XXXX of XXXX me and my wife signed up for a debt consolidation agency ( XXXX XXXX XXXX ) to work with our creditors in settling our accounts ( credit card accounts ) we graduated the program in XXXX of XXXX and still to this date most credit cards have negative information on my credit report, some report derogatory, unpaid. I have signed up with XXXX for $ XXXX/month because its the only way to report to them for inaccuracies on the credit report and still in XX/XX/XXXX this has not been solved or taken care of when I have provided all settlement agreements and proof of final payment between myself thru XXXX XXXX XXXX Program and my creditors. This has affected now my family way of living because we need to start looking into projects to fix our house or sign up for a lower interest home loan rate than the one we have. This is not fair that we over the past 3 years have paid thousands of dollars to settle our accounts and in the end it still hurts us financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD

Complaint narrative:
Originally the medical bill was to from XXXX for XXXX XXXX 3 years ago. They didnt file in time with XXXX but little did they know my mother works for XXXX XXXX XX/XX/XXXX. So they put it on my credit as Im only 22 now and was born XX/XX/XXXX I didnt know until I recently started checking my credit. They said that they sent us hills and my mother checks all my mail and will attest we never received anything from them, not to mention I have insurance so it shouldve been billed to them. So it went to Wakefield and Associates. Since recently Ive gotten XXXX to bring the balance to XXXX with the help of my mothers XXXX people who know they didnt give timely filing. Now since XX/XX/XXXX Wakefield and associates says its been submitted to be removed from the bureaus, although XXXX says they havent received anything since XXXX, and its XXXX now. they keep running me around in circles but nothing has been getting done since XXXX. XXXX has caused the strain of properly billing the insurance company and then placing it on my credit and the collections company is telling me they reported it but XXXX isnt seeing any change. Ive talked to them and told them what transunion has said and they say they cant supply me with a letter to the bureaus that it has been submitted for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
I refinanced my mortgage in XX/XX/XXXX. A new lendee, Mr. Cooper purchased my loan almost immediately. I provided all information requested by Mr. Cooper, including a copy of my condo homeowners policy. Mr. Cooper notified me that my insurance policy was inadequate because it did not have hazard insurance. My insurance policy has always had hazard insurance, so I provided additional documentation. For the next five months, I would receive weekly letters saying that I needed to provide documentation that I had already provided. I continued to provide copies of the policy as requested. Mr. Cooper notified me that they would withdraw up to {$850.00} to ensure that hazard insurance was purchased. I objected to any withdrawal because the documentation clearly stated that hazard insurance was part of my policy. Mr. Cooper withdrew the funds from my escrow account anyway. Finally, I was able to get a three-way call with a Mr. Cooper representative and my insurer and we discovered that the reason Mr. Cooper wasn't able to see that hazard insurance was part of my policy was that they expected to see it on page 1, but it was on the first line of page 2, which they had never turned the page to see. Since XXXX of XXXX, Mr. Cooper has acknowledged their error, but has not refunded the full amount withdrawn from my escrow account. They have replaced {$400.00} dollars, but can not explain why the remainder has not been refunded. I contacted my insurer and their records show the check for {$620.00} was cashed in XX/XX/XXXX. Because the funding was withdrawn from my escrow over my objections, my escrow account now is short ~ {$400.00}. Mr Cooper has now raised my mortgage rate to pay for the delta that they caused by the improper withdrawal of funds. They are refusing to refund the remainder of the funding. They say they will not do so until the total amount of the insurance payment is refunded to them. This makes no sense as they have already refunded {$400.00}. This issue has now been ongoing for a year and despite regular calls to Mr. Cooper customer service and escrow departments, is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC
State: NM

Complaint narrative:
I received a text message alerting me that someone had checked my credit report on XXXX. I signed in and saw that Mariner finance had checked my credit. I did not authorize this and I have not applied for credit with anyone recently. I called the company and stayed on hold forever as well as left several messages to be called back. I filed a dispute with XXXX on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RGS Financial, Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, please remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am attaching proof of my certified and notarized letter sent to CHEXSYSTEMS informing them of my rights and the federal laws they are violating. A notarized letter is a legal document and I intend to take further legal action if my issue is not resolved. 
I also attached a copy of the law so there is no confusion to the Consumer Reporting Agency of the laws they are violating. As a consumer, CHEXSYSTEMS may only furnish a report with my written consent. I did not give permission to CHEXSYSTEMS and no consent is IDENTITY THEFT. 

Under 15 U.S 1681b- Permissible purpose of consumer reports 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 instructions of the consumer to whom it relates. 

Meaning, the account I referenced in my notarized letter must be deleted immediately as they are currently violating my federally protected rights as a consumer. 

I have repeatedly tried to resolve this issue and have contacted CHEXSYSTEMS to have this account removed, however they have continued to violate my rights as a consumer, inflict XXXX XXXX ; while ruining my reputation, and character. If this account is not deleted I will send CHEXSYSTEMS an invoice of their violations and expect to receive monetary compensation as well.

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 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
The Week of XX/XX/XXXX, I was visiting friends in XXXX, XXXX. I made a transaction at a local XXXX Gas Station. Apparently, there was hacking equipment on this machine. 

On XX/XX/XXXX, while back in my home town of XXXX, XXXX, I noticed transactions being made on my checking account at Bank of America without my authorization. The charges where made at XXXX in XXXX, XXXX  in the amount of {$800.00}, XXXX XXXX  # XXXX in the amount of {$400.00} and XXXX XXXX  # XXXX in the amount of {$50000.00}. I immediately visited a Bank of America in XXXX, spoke with a bank manager, XXXX XXXX and explained the incidents. I also showed him I had my ATM card in hand. He also viewed my accounts and saw these transactions were posting to my BOA checking account. 

We proceeded to open a fraud report on these transactions. I also procured a police report from the XXXX Police Department regarding these unauthorized transactions and also uploaded it to my fraud report at the Bank. On XX/XX/ I received a letter from the bank stating that the claim was closed, they assumed the charges were authorized by me or made by me and would not be reimbursing me my money. 

How could I authorize or make these charges while in XXXX, XXXX? 

I have since, filed a claim with the Federal Trade Commission # XXXX, contacted my state Attorney General 's office and will be contacting the XXXX, XXXX  police department. 

Who can help me get my {$1700.00} back?

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 2021-09-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm utterly frustrated with the lack of response I've received concerning my investigation. These inaccurate accounts need to be removed from my credit report immediately. It's been over 30 days and I haven't received anything. I found a law to support my cause as well, Section 611 ( a ) which states that failure to investigate these items within 30 days gives a reason to remove them immediately. The items I'm providing in the attached letters are the items I want deleted immediately or I will be forced to file for litigation.

Company response to consumer: Closed with explanation