vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX and Equifax continue to report information that I have requested to be fully verified and removed flor lack of proof. I requested on multiple occasions by mail online and over the phone they could not fully verify my information according to the law with a contract, signature, ID with my name on it proving the debt belongs to me, and a contact of the person they spoke with. They keep verifying the Bankruptcy however it is not verifiable. Bankruptcy Rule 9037 Privacy Protection For Filling with the Court and Privacy protection Act of 1970. Violation 5 USC 552a & 31USC 3711 ( e ). No one can call the court and ask for the information and the information online is redacted meaning no information can be verified. So they can not keep claiming the debt as mine when they can not verify the debt. They are also posting Charged off debt. According to the IRS Topic 431 Canceled Debt, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount owed, the amount is taxable. if taxable, you must report the canceled debt on your tax return for the year it is canceled. According to the FCRA of 1970 Law 15 USC 1681-1681x Income can not reported on your credit profile. So for that reason all of my charged off accounts must be removed according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I paid off my balance on this auto loan and it is still showing a balance

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
I had a wine subscription with the company XXXX  and cancelled it. They continued to bill me and send wine despite multiple requests to cancel the subscription. I removed my card information and talked to customer service, who recommended refusing the shipment if they could not stop it in transit saying I would not be charged for wine I did not received. 

About a year later, I received messages that I continued to owe on wine that was not ordered or received. I ultimately paid the amount {$180.00} again XX/XX/year> after they did not respond to multiple emails and threatened by mail to send to a collection agency. I can provide check images shown as deposited by XXXX. My thought was that the amount was small enough it was better to be paid again than deal with any credit collection issues. 

Unfortunately, XX/XX/year> I received a notice from a collection agency that I continued to owe this amount. I have reached out to XXXX yet again, and also the Credit Collection Services company at XXXX XXXX XXXX, XXXX MA XXXX. 

I can share emails and check images from my bank as appropriate ( I left them out here due to the note to avoid sharing personal information ). Thank you in advance for any support,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
There was an issue with the bank in 2020 and the credit card wells fargo where the bank was from what i understand short staffed and ended up having a problem with a deposit, meantime the wells fargo payment got messed up, with short funds. i worked out hte issue with td bank but wells fargo refuses to remove this one 30 day late issue. 

trying to get in touch with people is very time consuming and seems no one ca fix this. my credit otherwise is prestine. no lates on any other accounts.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: AZ

Complaint narrative:
LexisNexis and XXXX continue to report information that I have requested to be fully verified and removed flor lack of proof. I requested on multiple occasions by mail online and over the phone they could not fully verify my information according to the law with a contract, signature, ID with my name on it proving the debt belongs to me, and a contact of the person they spoke with. They keep verifying the Bankruptcy however it is not verifiable. Bankruptcy Rule XXXX Privacy Protection For Filling with the Court and Privacy protection Act of 1970. Violation 5 USC 552a & 31USC 3711 ( e ). No one can call the court and ask for the information and the information online is redacted meaning no information can be verified. So they can not keep claiming the debt as mine when they can not verify the debt. They are also posting Charged off debt. According to the IRS Topic 431 Canceled Debt, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount owed, the amount is taxable. if taxable, you must report the canceled debt on your tax return for the year it is canceled. According to the FCRA of 1970 Law 15 USC 1681-1681x Income can not reported on your credit profile. So for that reason all of my charged off accounts must be removed according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have always made payments on my mortgage in a timely manner to Mr Cooper but for some reason in there poorly kept accounting system they have me late paying XX/XX/year> and we are in XX/XX/year>. I don't know who is entering payment information but no one entered any payments on my account scene XX/XX/year> why I don't know. 

In XX/XX/year> i get a letter from Mr. Cooper saying my home is in foreclosure and I am {$5400.00} behind on payments and this is not true. Mr. Cooper has been sued years ago for mistakes and unfair mortgage Practices. Mr. Cooper is one of the worse mortgage company on the markets and has many complaints. This company can't keep up with mortgage payments. 

I recently sent a letter to Mr. cooper to prove that I have not missed any payments and my home should not be in foreclose on. They claim they will investigate and get back with me. 
as of today I am still waiting to see what they says about the so called missed Payments which I given the written prof no payments have been missed. 

If Mr. Cooper still claim that they will not accept my bank statements my next move will be law suit. 
Right now we are still waiting to see what Mr. Cooper say.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to 15 U.S. Code 1681a, this is my statement that accuracy and fairness of credit reporting was not established and therefore is a result of identity theft and must be removed. The listed current address is not related to me the consumer. According to 15 U.S. Code 1681b, consumer reporting agencies are required to adopt reasonable procedures for meeting needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer.

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 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank
State: NV

Complaint narrative:
I have contacted this SYNOVIUS several times and told them that I never opened an account with them and never authorized it. I even send in the report as well showing such and they STILL refused to acknowledge it and remove me out their system and ny credit report. Instead what they did was immediately sell it to another debt agency and then tell me the contract has been sold to someone else and they no longer own whatever account or contract that I never authorized under my social and YET it is STILL sitting on my credit report. As an XXXX XXXXXXXX XXXX XXXX if I have to pause to hire a lawyer and sue this bank or whoever these people are I will absolutely do so because I have VALID PROOF that I did not open anything with them AS I WAS XXXX the time any of this took place and I am NOT married. REMOVE this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Have written proof. Sign and dated from the apartment complex that it would not be put on our credit. But national credit system put it on our credit for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : [ XXXX XXXX XXXX ; Account Number : # XXXX XXXX XXXX ; Account Number : # XXXX XXXX. XXXX XXXX ; Account Number : # XXXX XXXX. XXXX XXXX ; Account Number : # XXXX XXXXXXXX XXXX XXXXXXXX ; Account Number : # XXXX XXXX. XXXX XXXX XXXX XXXX ; Account Number : # XXXX XXXX. XXXX XXXX ; Account Number : # XXXX ] has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : [ XXXX. XXXX XXXX ; Account Number : # XXXX XXXXXXXX XXXX  ; Account Number : # XXXX XXXX. XXXXXXXX XXXX  ; Account Number : # XXXX XXXX. XXXX XXXX ; Account Number : # XXXX XXXX. XXXX XXXXXXXX ; Account Number : # XXXX XXXX. XXXX XXXX XXXX XXXX ; Account Number : # XXXX XXXX. XXXX XXXX ; Account Number : # XXXX ] has violated my rights. 

XXXX XXXX XXXX section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15
U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
At this moment. I am in litigations with three company.. complaint files first one XXXXXXXXXXXX Second # XXXX. Third # XXXX. One is a consumer agency. Transunion. The other is XXXX XXXX. And XXXX XXXX XXXX There seems to be some miscommunication I the consumer and they the corporations in this litigation and disputes. I XXXX XXXX would like all three companies to send me any documents/paperwork/evidence : or any written document they have supporting the allegations through mail. Certified mail. As a consumer doing business I have legal rights to so these documents that support there claims.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted dispute on Equifax credir report ( No. XXXX ) on XX/XX/XXXX, without throught investigation, Equifax refused to correct the dilinquency as date XX/XX/XXXX which was on their incorrect information. " Resolved by Data Furnisher '' and just sent an email to me on XX/XX/XXXX and stated the investigation has completed. Obvioualy Equifax did NOT investigate the dispute but simply used existing report to cover its neglengency. The fact is, XXXX Account XXXX opened in XXXX and I had financial diffiulty to pay started in XX/XX/XXXX and did not pay the payment for more than 6 months. Then XXXX XXXX  put me into a delinquency installment program but did not report the delingquent dates. In fact, I was in deliquency during this period started from XX/XX/XXXX through XXXX, XXXX. Equifax did not conduct a thourough investigation and refused to change the deliquency date to XX/XX/XXXX and the incorrect date still in their report and hurting me. In order to prove their 'data funishier '' s date is correct, they must provide evidence and record showing that I had paid fully and was not in delinquency in this period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed several hard inquiries that I don't recall authorizing.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Description : I am filing this complaint against Experian because they have not accurately reported my personal information on my credit report. I am entitled to a fair and accurate credit report and my personal information should be top priority. 

Incorrect Personal Information : The personal information that Experian is reporting inaccurately includes incorrect name, incorrect address, incorrect employer. Specifically, the following details are incorrect : Not my name : XXXX XXXX XXXX Not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Not my address : XXXX XXXX XXXX XXXX XXXX, XXXX, Co XXXX Not my employer : XXXX XXXX Not my employer : XXXX Attempts to Resolve : I have attempted to resolve this issue by contacting Experian through mail, but I have not received a satisfactory resolution or explanation for why my personal information has not been updated correctly.

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