vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 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:
I have submitted multiple requests to have grossly inaccurate information removed from my credit report. 1. XXXX has not responded to two disputes that I submitted in XXXX of 2020. On their website the disputes still are showing unresolved. They have not given me any good reason for the gross delay. 2. They continue to say that they have validated information that is showing as inaccurate and will not provide me with the method of validation. 3. XXXX is harming me and causing me undue hardship. 4. There are multiple collection accounts that have not been validated and which also are showing multiple inaccuracies across all three bureaus. 5. TransUnion and XXXX have failed to remove information that is totally inaccurate and shows different information with each company yet, each bureau states that it has validated this information. This is impossible given that each one has different information. 6. All three bureaus are reporting inaccurate personal information and wrong addresses. 7. All three bureaus are reporting these inaccurate, fake accounts from collection agencies who are practicing without a license or bond in the State of Texas. They are taking the word of predatory companies who do not follow the laws of the State of Texas and allowing these law breakers to ruin my name. I have pleased with all three bureaus to protect me from the predatory acts of the following unlicensed, un-bonded companies : *XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Please help me. The negative impact of this negligent treatment of my credit reporting is hurting my ability to function and preventing me from progressing. It is doing reckless harm to my financial reputation. *Please note that on some of my pdf files I struggled with adjusting the lighting. Each document is able to be read in spite of the color variations on the file. Included are also search results from the Texas Secretary of State showing that the above mentioned collectors are violating Texas law and bypassing the requirement to be bonded and licensed. They are reporting incorrect information with no proof, no signature or contract of mine and are reporting to the bureaus without the proper governance that is required in the State of Texas. This is abusive and they are preying on citizens who are already dealing with enough hardship during the pandemic.

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 2021-05-11 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian re aged an account on my credit report illegally and I want it removed asap XXXX XXXX re aged my account

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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:
I am writing to your company again as you continue to violate my rights as a consumer by having these fraudulent accounts on my credit report. I do not understand how it is possible you are able to verify these alleged accounts when it is clear that there are so many inaccuracies and incorrect information. Please remove these fraudulent accounts that are listed in the FTC Claim. I have reported this and included yet another FTC Affidavit. I also made a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 have submitted multiple requests to have grossly inaccurate information removed from my credit report. 1. XXXX  has not responded to two disputes that I submitted in XX/XX/2020. On their website the disputes still are showing unresolved. They have not given me any good reason for the gross delay. 2. They continue to say that they have validated information that is showing as inaccurate and will not provide me with the method of validation. 3. XXXX is harming me and causing me undue hardship. 4. There are multiple collection accounts that have not been validated and which also are showing multiple inaccuracies across all three bureaus. 5. XXXX and Experian have failed to remove information that is totally inaccurate and shows different information with each company yet, each bureau states that it has validated this information. This is impossible given that each one has different information. 6. All three bureaus are reporting inaccurate personal information and wrong addresses. 7. All three bureaus are reporting these inaccurate, fake accounts from collection agencies who are practicing without a license or bond in the State of Texas. They are taking the word of predatory companies who do not follow the laws of the State of Texas and allowing these law breakers to ruin my name. I have pleased with all three bureaus to protect me from the predatory acts of the following unlicensed, un-bonded companies : *XX/XX/XXXX *XX/XX/XXXX Please help me. The negative impact of this negligent treatment of my credit reporting is hurting my ability to function and preventing me from progressing. It is doing reckless harm to my financial reputation. *Please note that on some of my pdf files I struggled with adjusting the lighting. Each document is able to be read in spite of the color variations on the file. Included are also search results from the Texas Secretary of State showing that the above mentioned collectors are violating Texas law and bypassing the requirement to be bonded and licensed. They are reporting incorrect information with no proof, no signature or contract of mine and are reporting to the bureaus without the proper governance that is required in the State of Texas. This is abusive and they are preying on citizens who are already dealing with enough hardship during the pandemic.

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 2021-05-11 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Violation 1 : Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 On 4/19/2019, I sent a certified letter to National Credit adjuster stating that the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), states that I have the right to dispute the debt and for them, NCA, to validate the debt. In the letter, I stated that it wasn't a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. NCA responded, by stating that they were not able to validate and that the debt would be closed. Shortly after receiving the letter, the debt was shown as closed on my credit report, and while later, it was deleted on all three bureaus. Now, this month, years later the debt has resurfaced without any communication or validation from NCA.

Violation 2 : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) National Credit Adjuster failed to notify me that they supplied negative credit information to the credit reporting agencies.

Per the above-named Title and Section, a creditor or debt collection agency, must provide the notice either before they furnish the negative information or within 30 days of furnishing it. The debt collector or creditor have to include the notice with a notice of default, a billing statement, or another item sent to the consumer. They were in violation the first time they placed it on my report, and in violation when it was placed on my report this month. NCA failed to follow those rules, and is in violation of the FCRA and FDCPA..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I feel there are literally zero standards required from equifax and XXXX, thus making them completely random and arbitrary, to the detriment of the typical consumer. Both claim to use the same standard, VantageScore 3.0, yet there are extreme differences between the two. I paid off a personal loan early, and got a positive increase with XXXX, and a negative drop from equifax. Equifax lags in their updates and theres no good reason or excuse for it. Nobody, Federal or State, seems to be policing these gangsters, and I demand to know why. If there is no standard, then theres a strong case to be made that nobody, lenders and creditors included, can rely on them, and they should be eliminated altogether. Perhaps we should be able to opt out of these half XXXX  services from collecting our information such that we refuse to allow our information to be shared with them, and lenders and creditors can ask for direct references instead, without penalty to the consumer. And too bad of they dont like it. They can either get their act together, or, they can go out of business. We dont need them as much as they need us, and personally, Im tired of is being the victims. DO YOUR XXXX JOB AND GET IT FIXED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I filed a complaint with the Consumer financial protection bureau regarding incorrect reporting in my credit report. XXXX has not yet finished my Dispute with Wells 's Fargo. However as of XX/XX/XXXX my credit score has decreased from XXXX to now XXXX in less than one month after my file dispute. Nothing in my credit report has changed and my payment history is currently exceptional with no missed payments or new hard inquiry. The only missed payments are the incorrect data from Wells Fargo back in XXXX which is currently unchanged or corrected regarding my dispute with XXXX. How can my credit report decrease 71 points when nothing has changed with my credit report? The other credit reporting agency 's credit score has not changed regarding my dispute with Well 's fargo that is much higher than my recent decreased credit score with XXXX.The previous dispute information is below with attachments. 




I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my 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 2021-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The KHOLS has been updating my account in my 3 credit reports with false information to destroy my credit. I've been contacting them disputing and they don't resolve the issue in hand. All they do is update the report with more false information. I also stated to them that the statue of limitation is over on this account since a last payment was made dated XX/XX/2013 XX/XX/2013. That account must be deleted off 3 credit bureaus they are reporting to and all they do is update the report with false remarks. I also send a letter regarding this issue and no action was taken on there behalf. There are validating my rights under the Fair Debt Collection Practices Act. In the event this issue is not resolved. I will find it necessary to sue KHOLS actual damages and declaratory relief under the FCRA. According to this regulation, I may sue KHOLS in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution on this matter. 

Attached is proof of all false remarks statement done on my credit report and and proof of last payment made datedXXXX XX/XX/2013 which the statue of limitation is over on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Colony Brands, Inc.
State: MS

Complaint narrative:
XXXX re aged an account on my credit report illegally and I want it removed asap swiss colony re aged my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BAS Receivable Management Inc.
State: CO

Complaint narrative:
I am being sued a 2nd time for a {$3500.00} move out fee that was charged against me in XXXX. Bonded Adjusting and XXXX XXXX have their facts wrong and want me to PAY an additional {$2000.00} in interest for something I already PAID OFF YEARS AGO!! 
XXXX XXXX XXXX 's charges were outrageous to start, as I had lived in the home for nine years-it had normal wear and tear, along with items that I was physically unable to remove, and the grass was not mowed. Victims of domestic XXXX should have legal protections from move out expenses and that may be the case now? 
On XX/XX/XXXX I resentfully paid Bonded Adjusting Service a settlement in full, of {$3500.00} ; to put the past behind me.It was a gut punch, but all of my debts were paid in XXXX, and I have receipts and credit reports to prove it. 
3 years later ... I found an envelope, with my name on it, sitting on a coworkers desk and upon opening it I found an illegally " served '' complaint which notified me that I was, not only being sued for a charge that was PAID and closed, but I had less than a week to respond to the suit and had to PAY A FILING FEE TO RESPOND!!!!!!!!!!!!! 
I immediately went into my records and found the copy of the emailed receipt and the credit reports that showed my credit score improving about 100 points after the collections were removed. Transunion showed the account as paid and closed, and XXXX XXXX XXXX shows ( on the ledger document that BAS, themselves, submitted as an exhibit ) STAMPED with RECEIVED in XX/XX/XXXX. I tried to explain that they had made a mistake, but they are self righteous ... and I'm just dumbfounded. 
THE KICKER IS THAT I AM IN THE MIDDLE OF BUYING A HOUSE and I am about to freak out and sue for distress because they still have the nerve to tell me " Our records show you still owe a balance ''. 
The proof is the receipt they emailed ( which I printed and which shows date, time, amount and I even noted the name of the person who took my card number ), and the nationally trusted fiduciary giant XXXX, along with the stamp at the top of a document that THEY submitted saying account received and terminated. 
I'm buying my first home. I don't have the time, money, or energy for this entirely unprofessional, unethical, illegal hoopla! How can they make such a huge error? Or do they have snakes for employees? I've never in life heard of anything like this, but upon researching this company ... I see they are regularly screwing up and hurting people with their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Financial Accounts Service Team Inc.
State: TX

Complaint narrative:
Approximately two weeks ago on XX/XX/2021 I contacted Financial Account Services Team regarding a collection account with a balance of {$220.00} listed on my credit report. Utilizing the rules of the FCRA I asked the agency to provide proof that they were legally allowed to report this account to the credit bureaus at my expense and that they owned this alleged debt. I also asked for validation of the account a signed contract between myself and their agency or a signed contract between myself and the original creditor XXXX XXXX as I do not have knowledge of this account. Neither items were furnished to me. Although I disagree with the validity of the said account Ive tried on numerous occasions to reach an agreement with Financial Account Services Team. I tried speaking to several different representatives to no avail about settling the account and have the information removed from my credit report, each agent refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I have reached out to the company to try and get them to delete said debts off of my credit report as they were not authorized to report anything to my credit report by me. I did not sign any contracts with this company nor do I owe any debts. 




LVNV Funding LLC- {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I contacted Capio Partners to dispute validity of a debt from a hospital ER visit, I was referred by a representative at Capio partners to send them a email I emailed them on XX/XX/2021 I received a letter on XX/XX/2021 from Capio Partners with documents an intemized bill that contained my personal health information that was illegally obtained by Capio Partners I never signed a HIPAA release form for them to obtain my information with them or with the hospital XXXX XXXX XXXX XXXX I believe they are in a direct violation of HIPAA laws. I also have reason to believe that XXXX XXXX XXXX XXXX is also in direct violation of HIPAA by providing this information to Capio Partners without my written consent via HIPAA release form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 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: ERC
State: LA

Complaint narrative:
Reached out to the companies to try and get them to delete said debts off of my credit reports as they were not authorized by me to report anything to my credit reports. I did not sign any contracts nor do I owe any debts to this company. 


ERC- {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: AFNI INC.
State: KY

Complaint narrative:
After viewing my report I have seen accounts that I have never applied.

Company response to consumer: Closed with explanation