vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Have tried to contact XXXX by phone, none of phone number s given in statement are no longer working and website giving me " oops '' mess. I wanted to ask questions about my account and CAN NOT reach a single person. Is this company even a legit company. Have I been scammed?

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 2021-06-09 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
I recently disputed a couple items on my report since they were reporting inaccurately. I have actually disputed the items a couple of times by sending letters to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The accounts that are in question were late payments showing on my credit report from where the company reported 4 late payments with my mortgage for 4 consecutive months when the payments were actually made. I recently noticed the late payments on my credit report as I was trying to get a home loan. I'm increasingly frustrated at the lack of a response from not only the company but also the credit bureaus themselves. Please help me to get these late payments removed from my account and to hold the credit bureaus accountable for sending results to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
First this debt from National credit Adjusters was applied to my credit report. This is not a debt of mine Ive been a victim of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TX

Complaint narrative:
see attachments why CFPB was setup please do not let this great system go away its protecting US Citizens helping us against the Bigger Companies : please fix all the FTC, FCRA, unauthorized Inquires, please see the good accounts paid in full that they dont list but, Just report the Negativities on a USA Citizens ... ... ... ... ... ...

Do they Company have United States BEST INTEREST at HEART!!!!

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 2021-06-09 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:
see attachments why CFPB was setup please do not let this great system go away its protecting US Citizens helping us against the Bigger Companies : please fix all the FTC, FCRA, unauthorized Inquires, please see the good accounts paid in full that they dont list but, Just report the Negativities on a USA Citizens ... ... ... ... ... ...

Do they Company have United States BEST INTEREST at HEART!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing put a non payment note on my credit file and tanked my credit score by 150 points. The original debt resulted from fraudulent use of my credit history to obtain a XXXX account. The amount owed as {XXXX}. This was already communicated to XXXX. It is for an apartment in low income housing in XXXX. I live in Texas. My XXXX account is current and has always been, as are all my accounts are. I contacted Convergent Outsourcing to remove the note and they completely refused. This is abusive, wrong and unfair. They need to be prosecuted for this abusive practice. There is no way a company should be able to do this with no attempt to find the real thieves.

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 2021-06-09 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: FL

Complaint narrative:
Hello, I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX - XXXX XXXX, did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). I am a victim of identity theft and did not open said accounts on the word document provided below. I ask that all items provided on the document attached be deleted to correct my credit report so I can finally get approved for a car loan. Please note that I am submitting this request on behalf of myself. No third party is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I owe Ally Financial {$2.00}, XXXX for the remainder of my vehicle loan. I paid {$210.00} and {$200.00}, because I am trying to pay the loan off, however when I checked my account It still comes up as {$2500.00} and not the reduction from the initial payment of {$2100.00} and he stated that the XXXX was forwarded to XXXX payment.

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 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have never done business with this bank and I have contacted them many times and they still don't fix the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 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: Westlake Services, LLC
State: UT

Complaint narrative:
West Lake Financial is reporting erroneous lates on my credit file. These lates are from XX/XX/20, XX/XX/20, XX/XX/20. During this time i was going through financial hardship due to COVID. My hours were cut at work and i struggled to make the payments. I called and made the payments as soon as i could to try an avoid a late notation but when i checked my credit file i noticed the late notations. Under the federal mandates, CARES ACT, you can not report late during the pandemic or due to the pandemic. I also contacted West Lake and advised i was not able to make the payment due to COVID.

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 2021-06-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XX/XX/2021, XXXX, Experian has violated my consumer rights under FDCPA, FCRA XXXX A male representative by the name of XXXX cursed me out, harrassed me, and hung up on me after I invoked my rights under FDCPA 1692c ( c ) ( 2 ). Experian has fraudulently furnished my personal consumer information and reporting fraudulent credit cards on my account, without my consent. I called to them to remove a fraudulent information on my consumer report and I received abuse. This is identity theft. I never gave the credit agency Experian permission to use my information to furnish anything on my consumer report.

Violations 15 USC 1692k CIVIL LIABILITY 15 USC 1692d XXXX  15 USC 1692j FURNISHING DECEPTIVE FORMS 15 USC 1681a ( d ) 15 USC 1681a ( 2 ) 15 USC 1681a ( 2 ) ( b ) 15 USC 1692c ( c ) ( 2 ) 15 USC 6821 18 USC 3571 ( c ) 18 USC 1028 18USC 1028 ( a ) ( 7 ) Total Amount of Fines due : {$11000.00}

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 2021-06-09 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: IL

Complaint narrative:
I have disputed errors on my credit report with Trans Union, XXXX and XXXX  several times. Specifically the last time where it was verified with a return receipt they received my dispute on XXXX 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.

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 2021-06-09 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 — Problem with personal statement of dispute
Company: Creditors Bureau Associates
State: TN

Complaint narrative:
Are you the original creditor? 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 — Problem with personal statement of dispute
Company: MSCB, Inc.
State: TN

Complaint narrative:
Are you the original creditor? 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I contacted Midland an requested validation of a XXXX debt. Midland did not respond and disclose validation. Midland violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I contacted XXXX an requested validation of a Citibank debt. XXXX did not respond and disclose validation. XXXX violated my rights.

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 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
On XX/XX/2021 I noticed a significant drop in my credit score. This is from SEQUIUM ASSET SOLUTION a credit collection agency trying to recover a {$750.00} debt for XXXX XXXX. 
The debtor is a XXXX XXXX using my social security number and living in XXXX Illinois. This is not me, I have never lived in XXXX and only last year moved to XXXX after living in XXXX. I currently in in Military XXXX XXXX at XXXX XXXX Illinois. 

This is the second time in a year that someone using my name and my SSN have owed money to a utility. 
the first time was earlier in the year and the debt was to XXXX and the address was in XXXX Texas ( I've never lived there either ) My former address was in XXXX XXXX Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: The Bureaus, Inc.
State: IL

Complaint narrative:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
On XX/XX/2021, The colorado unemployment services issued electronic deposit into my account with Current Bank for the amount of XXXX, the payment never applied to my account. I was sent several payments by CDLE and this one never posted. I have filed over 25 complaints given them proof including a letter from the CDLE to Current including in the letter a trace # for the electronic deposit. My account ending in XXXX with current Bank routing number is XXXX, acct ending in XXXX, and the trace # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I accepted a payday loan and I didnt pay it back on purpose, I wanted to allow it to go to collections. My intention was to work out a payment agreement that would allow me to get out from underneath the loan instead of a XXXX week loan paid in full with the next payday. Which I would be able to do without take another loan. XXXX killed me, as with a lot of people. I was desperate at the time and needed the help. 

Fast forward a few months. The loan place decided an amount and date which I will repay and just decided to randomly charge my checking account $ XXXX XX/XX/XXXX. 

I disputed the charge with my bank and flagged it for fraud. I got my money back but I am a collections agent. You cant just decide what and when to charge my account without so much as a conversation with me. Ive since closed the account. Now I am reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ) has been sending me collection notices in the amount of ( {$110.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: FL

Complaint narrative:
( PROFESSIONAL FINANCE C ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, COXXXX ) has been sending me collection notices in the amount of ( {$180.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 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: PA

Complaint narrative:
I have a filed a dispute in regards to the incorrect item on my credit report. The dispute letter was sent out around XX/XX/XXXX for a unknown inquiry. It has been well over 30 days and I havent received any investigation Results.

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 2021-06-09 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, LVNV Funding, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment.

If you can expedite this request to look into this matter for me, I would really appreciate it.

Thank you in advance.

Company response to consumer: Closed with explanation