vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
GOOD EVENING! LISTEN, I'M NOT SURE WHAT'S GOING ON WITH CREDIT REPORTING AGENCIES, BUT IT'S ALMOST 90 DAYS AND THEY HAVEN'T RESPONDED ON EVEN LOOK INTO THIS ACCOUNT THAT I HAVE REQUESTED THEM TO. THEIR ARE SO MANY ERRORS ON THE WAY IT'S REPORTING AND IT'S INCOMPLETE AND UNVERIFIABLE AND IT'S CAUSING THIS ACCOUNT TO RE-AGED ILLEGALLY. CAN YOU PLEASE DELETE THIS FOR VIOLATION? THERE ARE 3 DIFFERENT DATES OF LAST ACTIVE, DIFFERENT DATES OF 1ST DELINQUENCIES, DIFFERENT DATES OF OPENED, AND DIFFERENT DATES OF LAST PAYMENT AND COMPLETELY INCONSISTENT WITH THE PAYMENT HISTORY. ONE REPORTS " C/O ''  STATUS THE OTHER OTHERS EITHER REPORT 30 DAYS OR 60 DAYS OR 90 DAYS. IMPOSSIBLE THAT THIS BEING LOOKED AT. PLUS, IF IT WAS REALLY INVESTIGATED, THE ACCOUNT STATUS WOULD BEEN UPDATED.

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 2020-09-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
GOOD EVENING! LISTEN, I'M NOT SURE WHAT'S GOING ON WITH CREDIT REPORTING AGENCIES, BUT IT'S ALMOST 90 DAYS AND THEY HAVEN'T RESPONDED ON EVEN LOOK INTO THIS ACCOUNT THAT I HAVE REQUESTED THEM TO. THEIR ARE SO MANY ERRORS ON THE WAY IT'S REPORTING AND IT'S INCOMPLETE AND UNVERIFIABLE AND IT'S CAUSING THIS ACCOUNT TO RE-AGED ILLEGALLY. CAN YOU PLEASE DELETE THIS FOR VIOLATION? THERE ARE 3 DIFFERENT DATES OF LAST ACTIVE, DIFFERENT DATES OF 1ST DELINQUENCIES, DIFFERENT DATES OF OPENED, AND DIFFERENT DATES OF LAST PAYMENT AND COMPLETELY INCONSISTENT WITH THE PAYMENT HISTORY. ONE REPORTS " C/O ''  STATUS THE OTHER OTHERS EITHER REPORT 30 DAYS OR 60 DAYS OR 90 DAYS. IMPOSSIBLE THAT THIS BEING LOOKED AT. PLUS, IF IT WAS REALLY INVESTIGATED, THE ACCOUNT STATUS WOULD BEEN UPDATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
GOOD EVENING! LISTEN, I'M NOT SURE WHAT'S GOING ON WITH CREDIT REPORTING AGENCIES, BUT IT'S ALMOST 90 DAYS AND THEY HAVEN'T RESPONDED ON EVEN LOOK INTO THIS ACCOUNT THAT I HAVE REQUESTED THEM TO. THEIR ARE SO MANY ERRORS ON THE WAY IT'S REPORTING AND IT'S INCOMPLETE AND UNVERIFIABLE AND IT'S CAUSING THIS ACCOUNT TO RE-AGED ILLEGALLY. CAN YOU PLEASE DELETE THIS FOR VIOLATION? THERE ARE 3 DIFFERENT DATES OF LAST ACTIVE, DIFFERENT DATES OF 1ST DELINQUENCIES, DIFFERENT DATES OF OPENED, AND DIFFERENT DATES OF LAST PAYMENT AND COMPLETELY INCONSISTENT WITH THE PAYMENT HISTORY. ONE REPORTS " C/O '' STATUS THE OTHER OTHERS EITHER REPORT 30 DAYS OR 60 DAYS OR 90 DAYS. IMPOSSIBLE THAT THIS BEING LOOKED AT. PLUS, IF IT WAS REALLY INVESTIGATED, THE ACCOUNT STATUS WOULD BEEN UPDATED.

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 2020-09-28 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX XXXX XXXX of 2020 for 30 days. Impossible! Send me proof that i was late because i paid it on time. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX or/and XXXX of 2020 for 30 days. Impossible! Send me proof that i was late because i paid it on time. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-09-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX or/and XXXX of 2020 for 30 days. Impossible! Send me proof that i was late because i paid it on time. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX or/and XXXX of 2020 for 30 days. Impossible! Send me proof that i was late because i paid it on time. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I have paid full amount of debt in the amount of {$460.00} on XX/XX/2020. I was promised that when debt is paid in FULL, no settlement amount, this collection would be removed all 3 credit reports. I have sent letters and gotten no response or results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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 — Their investigation did not fix an error on your report
Company: Granite Edvance Corporation
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-09-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: WA

Complaint narrative:
I noticed a collection on my credit profile in the amount of {$420.00} that I did not recognize. I mistakenly assumed it was part of a slew of collection debt efforts for an unpaid cable bill or for some cable equipment that wasnt returned by my ex-roommate at the time. I did not know where it was from nor whom had placed it collection. But I knew it wasnt my debt. So, I attempted to dispute the collection, but because I disputed the wrong company and for the wrong reasoning, my dispute was not resolved. The company only validated mu identity. This an unethical ploy that collection agencies use to keep debt in collection status. I am not disputing my identity. I am disputing the validity of the debt. But again, because I blindly disputed the debt, it was validated as tied to me. I would like to know how??? 
I called the company that originally placed the debt into collection : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 @ XXXXPST I spoke with a XXXX XXXX XXXX XXXX company representative by the name of XXXX ( Employee ID # XXXX ) and we spoke for 15 full minutes trying to track down this debt. I provided her with all of my personal information, including my SS #, my birthdate and my full name and address. She put me on hold several times and spoke with two separate mangers from two separate departments- the billing department and the accounts department. XXXX finally concluded what I already knew : the debt CAN NOT BE FOUND UNDER MY SS # NOR MY NAME! She it doesnt exist and could validate the debt in any wat whatsoever. The debt is not mine and I knew it. But again, because I dispute the wrong information form the wrong company the credit bureaus do not want to re-investigate. This is not lawful. THE DEBT IS NOT MINE NOR CAN THE ORIGINAL COMPANY VALIDATE IT IS TIED TO MY NAME NOR SOCIAL SECURITY NUMBER!!! The absolute abuse of power and the KNOWN unethical practices collection agencies use is criminal! I do not owe this  debt and I it removed from my credit profile immediately!! 
Please stop these collection companies from ruining peoples lives! We are powerless to do anything about it and we are left guilty until proven innocent! Collection agencies and their power need to be broken! There actions are border line illegal and most certainly ethical!!! It is completely ridiculous!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
RASH CURTIS & ASSOCIATES - I have requested verification this XXXX debt belongs to me and debt collector fail to response. After deft collector receives dispute they increase balance by {$1.00} to avoid providing verification. I have not received any notices from debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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 — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
false account reported on my credit report. 
XXXX XXXX XXXX I have lived in XXXX since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Hello, This vehicle was taken in 2016 when I called the lender and they ended up selling my vehicle as well as reporting to the IRS as a lost. This account was supposed to be deleted but they have not done so. The vehicle was sold to me at an extremely high interest rate and I was a victim of predatory lending due to the fact that this vehicle lasted me 2 years due to my engine dying.

I was told last year, this account was going to be deleted and when I tried to get this deleted from my credit reports, it came back verified. The credit bureaus did not send me proof of the verification so I still have this on my credit report. This needs to be deleted please as I am trying to get my life together for my household. Please help me in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$3400.00}, {$1000.00}, {$0.00}, {$54.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not 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 2020-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX  : XXXX On XX/XX/XXXX, my client closed on a home and as a XXXX, I'm entitled to a commission for the amount of {$6800.00} USD. The wire transfer was created on XX/XX/XXXX XXXX XXXX By XXXX XXXX XXXX and authorized on XX/XX/XXXX at XXXX XXXX Scheduled to be processed on XX/XX/XXXX. I have reached the originator bank several times, and they say that can not trace wire because it has left reserves. I reached my back on the phone over 6 hours over the course of 6 different calls and went in-person to a branch to try to get them to trace the wire, but no one has been able to assist me. This is the 1st time this happens to me, usually, commissions get to my account within 30 minutes, it has been 6 days. Wellsfargo is the one asking for information having nothing to do with me, something with XXXX about a name that is not me or the wire originator nor the owner paying the wire they want information about a 3rd person that has nothing to do with the wire. WELLSFARGO is not doing anything to get my money into my account even though Wellsfargo already has the wire in. 
Attached is the confirmation from the originator bank

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