vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XXXX XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The three nationwide credit reporting agencies ( NCRAs ) Equifax, XXXX and XXXX announced significant changes to medical collection debt reporting to support consumers faced with unexpected medical bills. As of XX/XX/XXXX, paid medical collection debt will no longer appear on credit reports. And the time period before unpaid medical collection debt appears on your credit reports increases from 6 months to 1 year. This extension provides additional time to pay off medical debt before it appears on credit reports. The NCRAs will no longer include medical collections debt under {$500.00} on credit reports. 

Equifax Report : XXXX XXXX - Last Reported on XX/XX/XXXX - Balance {$150.00} XXXX XXXX XXXX - Last Reported on XX/XX/XXXX - Balance {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: NJ

Complaint narrative:
A collection agency by the name of National Recovery collection placed on my credit report a debt from a Hospital emergency visit in a Pennsylvania state of approximately {$5500.00} in XXXX of 2020. Apparently this person is not me because I dont live in Pennsylvania as stated on the collection agency information and the an addressed provided at the was not my address. Im trying to to take the right approach to clear my name but Im not sure what is the right way of clearing my name. Upon reading my statement please feel free to reach out to me for further information on this situation. I will provide as much information as I can to try clearing my name. I am very sure that this person in question with this emergency visit is not me. Thank 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 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi My name is XXXX XXXX. I am writing to file a complaint and seek refund regarding to a {$380.00} payment that I made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX through Paypal. 

On XX/XX/XXXX, I made the {$380.00} payment to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) by using a Visa card ending in XXXX through Paypal account ( XXXX ), and the transaction ID is XXXX. The payment was aiming to be made to XXXX XXXX XXXX account XXXX. However, until XX/XX/XXXX, XXXX XXXX XXXX  still has not received this {$380.00} payment. 

I called Paypal customer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding to this issue and didnt received any solution addressing the issue of XXXX XXXX XXXX  didnt received my payment. On the call with Paypal customer service, I requested a proof that can show my payment was indeed paid to XXXX XXXX XXXX such as a wire, ACH or check, but those information wasnt shared with me. 

I called XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX customer service agent claimed the payment of {$380.00} was not received and further Paypal was not a recognized payment method. XXXX XXXX XXXX even opened a payment search case for me and case number is XXXX. On XX/XX/XXXX, XXXX XXXX XXXX called and confirmed that they didnt receive {$380.00} payment. I also attached a screenshot of payment history from my XXXX XXXX XXXX account which shows no payment of {$380.00} was paid to my account. 

Since Paypal cant provide proof that my payment was paid to XXXX XXXX XXXX account XXXX and XXXX XXXX XXXX claimed that they didnt receive this payment, I am seeking a refund of {$380.00} to my original payment method which is card ending in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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

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 2023-02-28 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: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
I contacted Affirm on XX/XX/XXXX regarding to the fraudlent account that they have listed in my name within there company, i completed a form with Affirm whom refuses to remove account from credit report, i have not received any call back from the company regards to the fraudlent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: AR

Complaint narrative:
I sent my letter on XX/XX/2023. I told the credit bureaus to " investigate all information '' on the accounts listed. Also attached is the letter I sent to all 3 credit bureaus. 

According to the FCRA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or a mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also some of the accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: AR

Complaint narrative:
I sent my letter on XX/XX/2023. I told the credit bureaus to " investigate all information '' on the accounts listed. Also attached is the letter I sent to all 3 credit bureaus.

According to the FCRA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or a mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also some of the accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX  : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
My name is XXXX XXXX, an attorney at the XXXX XXXX XXXX XXXX XXXX XXXX. I am submitting this CFPB complaint on behalf of my client, XXXX XXXX. XXXX XXXX 's Loan Account Number is XXXX. His address is XXXX XXXX XXXX, XXXX OH XXXX. He has a VA Loan that is serviced by Loan Depot LLC. 

Loan Depot failed to provide XXXX XXXX with reasonable, good faith efforts at servicing his loan by refusing to cooperate with XXXX Homeowner Assistance Fund ( HAF ) process. Specifically, they failed to respond to the Save the Dream program run through the Ohio Housing Finance Agency ( OHFA ). Had they responded to a records request from the Save the Dream program, XXXX XXXX would have reinstated his loan. But XXXX XXXX is still in foreclosure. 

XXXX XXXX originally applied for HAF funding through OHFAs Save the Dream program on XXXX XXXX XXXX. He was approved on XXXX XXXX XXXX. OHFA sent Loan Depot a request for records soon thereafter. Loan Depot has still not responded to OHFA after nearly two months. 

Loan Depot has been notified of the pending records request on at least six separate occasions, but they have still chosen to do nothing. Within the next few days, Loan Depot 's neglect will have caused the past due balance to increase beyond the {$25000.00} mortgage assistance cap set by Save the Dream. This complicates the process and places an additional, unnecessary hurdle in front of XXXX XXXX 's path to reinstating his loan. 

Loan Depot 's failure to respond is unacceptable. For the last month, they have prevented XXXX XXXX veteran with a VA Loanhis wife, and his XXXX children from reinstating their loan and living free from the stress of an active foreclosure case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: TN

Complaint narrative:
On ( XXXX XXXX I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
For years ending in 2011, we had problems with Wells Fargo in regards to unfair fees being charged. We also had a mortgage with Wells Fargo and feel we had to unfairly be forced to have a short sale. 


Names are : XXXX and XXXX XXXX XXXX and XXXX Thanks and please advise.

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 2023-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CBM Services, Inc.
State: MI

Complaint narrative:
IMPORTANT MESSAGE ATTN : CBM SERVICES ( CEO ) ( COLLECTION DEPARTMENT ) What I want to discuss here today is that I never gave you consent to share my information. None of the business I have here with you is public it is all private. And I did not give you consent to publicize it. It also states that are required to tell me that and you didnt. The fact that you are using my identifying and financial information and sharing it that is identity theft. Also, I have the right to full disclosure 15 USC 6802 Obligations with respect to disclosure. According to the Fair Debt Collection Practice Act your company did none f the following -speak with me in person about alleged debt -speak with me by telephone about alleged debt -Mail letter within 14 days -Send me any electronic communications within 14 days NO VALIDATION OF NOTICE ABOUT ALLEGED DEBT! 
YOU ARE IN VIOLATION! 

NO AUTHORITY AND NO CONSENT. DELETE THIS INFORMATION NOW. I HAVE THE RIGHT TO PRIVACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
The signatures do not match. And even though the signature is clearly not mine, NCS has left it, even gone so far and to paperwork, with the fake signatures and still tries to pass it off as real.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Sunbit, Inc.
State: IL

Complaint narrative:
I was invited by a woman I met through social media to start investing in crypto binary futures. I began investing on XX/XX/XXXX. Wire transfers were made from my bank account to XXXX. There I purchased XXXX in the form of Tether and transferred it to the trading platform on XXXX and then on SUNBIT. I made approximately 15 wire transfers for about $ XXXX. Gains kept increasing and my portfolio reached $ XXXX When I tried to withdraw the funds, I was told I needed to pay 15 % taxes on the $ XXXX gains before I could withdraw funds. Taxes amounted to $ XXXX and I made partial payments. When I made a payment, funds would still not be released and new payment requirements were assessed. The only communication available with them is through Customer Service. I have received a few emails, but all through a Help Desk style format. I currently have $ XXXX in my account, but no way to access or withdraw the funds. I believe the platform is located in XXXX. 

Here are the platforms I traded on : SUNBIT trading platform : https : //www.sunbitsite.io ( migrated from XXXX platform in XXXX ) XXXX trading platform XXXX XXXX XXXX XXXX XXXX XXXX ( shut down and moved to SUNBIT platform in XXXX ) I had email contact from this address : XXXX XXXX ( XXXX ) XXXX reply-to : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: NJ

Complaint narrative:
Hello, I have received an e-mail from XXXX on behalf of Credit Systems International stating that I owe a balance of {$850.00} as of today, XX/XX/XXXX. It stated that the Original creditor is XXXX XXXX XXXX XXXX After seeing this collection, I further investigated and realized this was a collection that I have already dealt with from XX/XX/XXXX. Before filing a complaint with CFPB on XX/XX/XXXX about my identity theft matter, I called Credit Systems International on XX/XX/XXXX and spoke to their representative, XXXX, to resolve this matter of identity theft and dispute this fraudulent account opened under my identity. After this, I contacted CFPB about this collection and informed them that I was a victim of identity theft. The Complaint ID # XXXX was submitted on XX/XX/XXXX with CFPB, which resulted in Credit Systems International removing this account and collection from my name and the credit agencies removing this collection from my credit reports. The collection I am be charged for in the amount of {$850.00} as of XX/XX/XXXX from Credit Systems International is the same identical amount I was being charged for on XX/XX/XXXX in the amount of {$850.00}. On XX/XX/XXXX, Credit Systems International responded and stated the collection was Closed with explanation. The statement read, " Credit Systems International regrets any inconvenience that XXXX XXXX may have experienced due to this matter. We understand that he is alleging identity theft, and we have submitted a request for deletion to the credit reporting agencies. '' I do not know why this collection was reopened under my credit report and why it is reappearing again after being resolved and removed from my credit report after many months. I ask CFPB to take the necessary actions to resolve this matter once again and investigate XXXX and Credit Systems International since this is not right to me as an identity theft victim. In addition, all of my credit reports with all three credit bureaus have been frozen since last year so I know this is not a new collection. This is truly taking a toll on my mental health every time I have to deal with this. Thank you.

Company response to consumer: Closed with explanation