vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 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: ERC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ENHANCED RECOVERY CO XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ... XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX ... XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I received this letter It doesnt tell me if the sale date of XXXX / XXXX / 2021 Been cancelled or not The letter is shady confusing And since SLS pulled every stunt in the book on me I cant trust SLS not telling straight out loud that the sale date stoped They send this letter not stopping the foreclosure so days before the sale date tell me I am not qualify so they could continue with the foreclosure

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 2021-03-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have made numerous inquiries, through their dispute process, about a number of inaccuracies impacting both my XXXX credit report and score. Each time I have requested that they provide, in writing, contact information of the individuals used to verify the information so that I may follow up on my own. At no time has any of this information been provided outside of a notification that they investigated and nothing was done. No information on how, with whom, and through what method the investigation and subsequent validation occurred. Their information and reporting practices are so far off that their report and score comes in at XXXX points lower than my XXXX score and XXXX points lower than my Equifax score. XXXX and Equifax managed to be XXXX points apart while XXXX is almost XXXX points lower. Where obtaining credit is concerned, XXXX points can cost thousands of dollars in additional interest payments and this needs to be fully investigated, documented, and explained in detail. If that can not be done they need to remove the negatively reported and inaccurate items from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: AL

Complaint narrative:
I have disputed the account with XXXX XXXX several times. The account remains on my credit report reporting inaccurately. The account was opened in XX/XX/XXXX. However, the company did not report any payments until XX/XX/XXXX when the account was charged off. This is not fair. XXXX XXXX is the original creditor. They can not decide to report the account only when it is charged off. ALL information must be reported. None of my payments from XX/XX/XXXX through XX/XX/XXXX are being reported. Look at the attached document. This is a violation of the Fair Credit Reporting Act.

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 2021-03-10 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: CA

Complaint narrative:
I got a copy of my credit report today XX/XX/21 because I am planning on hopefully buying a home later this year however, I noticed that there are a few credit inquiries on my report that are not mine. The inquiries are from different companies all of which I have never applied to ; I did not authorize these companies to run or access my credit file nor am I affiliated to them in any way. I don't know who is responsible for these credit inquiries but I have taken it upon myself to file a police report as well as complaint with the Consumer Financial Protection Bureau in hopes of getting unauthorized credit inquiries removed.

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 2021-03-10 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Have not received escrow refund nearly 2 months after loan was paid in full ( XX/XX/XXXX ). online account showed escrow refund sent XX/XX/XXXX. Refund was not received, i called XXXX XXXX XXXX XXXX/dovenmuehle on XX/XX/XXXX. At that time it was indicated a problem with my address, instead of showing the street/number it showed " yes '', probably because my account was paperless with all docs sent through email stated the company rep. They said to write a letter signed by myself and spouse to indicate to correct address to property/mailing address ( even though this is an error on their system ). My address has never changed, have lived here since XXXX. I emailed this letter to customer service and received confirmation that it was received and account was confirmed with proper address. They said I must wait 30 days to call back if check still not received. On XX/XX/XXXX after receiving advice from my mortgage broker, I called XXXX & XXXX XXXXdovenmuehle again. Spoke to XXXX this time, once again she said my address shows as XXXX, XXXX, CA XXXX. She put me on hold a couple minutes, said the address has been corrected and new refund is being sent which should be received within 7-10 business days. 10 business days later ( XX/XX/XXXX ) I called again as no refund has been received. Spoke with XXXX this time. I advised i would like the refund expedited, and a tracking number. She advised she will transfer me to Supervisor. After many minutes, she came back instead of transferring to Supervisor and indicated that the previous check was stopped and a new check will be mailed, and that there was a problem with the address. I indicated the address issue is ongoing. I requested to speak to Supervisor because at this point it just appears they are playing games. Spoke with XXXX. She confirmed address is still wrong in system, was corrected in wrong place by prior people and she has now corrected it again while i was on the phone with her and new check will be sent out. I asked this be expedited ( overnight or tracking number ). She said she put that in the check request. I asked how i get the tracking number and she indicated to call back in 4 business days for that. This company has a serious issue with their address record keeping and inability to send out refund checks that are due to people that were on paperless accounts. I still don't have confidence i will receive my refund which totals {$5400.00}. I am betting that i will have to call again and my address will probably show incorrect again. We'll see what happens, but i am not waiting any longer to file this complaint. I have threatened multiple times to the company that i will do this and they dont seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: MN

Complaint narrative:
There are accounts on my credit profile. They aren't mine. Please remove them.

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 2021-03-10 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: MN

Complaint narrative:
There are accounts on my credit profile. They aren't mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: NC

Complaint narrative:
XXXX XXXX / fraudulent account XXXX XXXX XXXX/ fraudulent account XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX fraudulent account XXXXXXXX XXXX/ fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXXfraudulent account 29 fraudulent hard inquiries Credit reporting agencies are not disputing accounts by policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CA

Complaint narrative:
I got a copy of my credit report today XX/XX/21 because I am planning on hopefully buying a home later this year however, I noticed that there are a few credit inquiries on my report that are not mine. The inquiries are from different companies all of which I have never applied to ; I did not authorize these companies to run or access my credit file nor am I affiliated to them in any way. I don't know who is responsible for these credit inquiries but I have taken it upon myself to file a police report as well as complaint with the Consumer Financial Protection Bureau in hopes of getting unauthorized credit inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX  ) XXXX ... XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX ... XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute letter disputing that XXXX XXXX XXXX is a reporting a collection account which have surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt, thus should be removed. 

I've attached documentation to demonstrate that the last payment received was prior to XXXX. The attached court documents state " On or about XX/XX/XXXX Defendant failed to make installment payment due and payable under the Exhibit " A '' Contract. '' Please refer to the highlighted/underlined sections on page 4.

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 2021-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonwealth Financial Systems has reported three collection accounts in the amount of {$910.00}, {$110.00}, and {$94.00} to my consumer credit file. I do not owe this alleged debt! Commonwealth Financial HAS NOT SENT any notice of collection to me at all. This is a strong violation of the FDCPA. If Commonwealth Financial has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUAL DOCUMENTS stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt in question in which Commonwealth has reported to my consumer credit file. Commonwealth has no legal right to attempt to collect a debt as this does not belong to me. Again Commonwealth has not validated this debt nor sent me any notice of collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
After reviewing my credit report, I noticed LVNV Funding LLC c/o Resurgent Capital Services, a company that I had never heard of or had any written, oral, or implied contract, reporting that I owed an alleged debt of {$2400.00}. I contacted the company to validate this alleged debt via a letter. The company received the letter on XX/XX/2020 but never responded back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 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:
Hi XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, Transunion ; Listen, it's impossible that you continue to report this account with multiple inaccuracies on payment history from XX/XX/XXXX to XX/XX/XXXX for 30 days late every month. Impossible that you can honestly say that you verified. I've contacted everyone and done several types of research, as I was NEVER late during those times, and you simply replied that it's " accurate & verified '', and that means that you breach my privacy under the provisions of FCRA. It's impossible that different credit reporting agencies report different dates of being late. It's so inconsistent on the way it's reporting! Again, I was shocked when I reviewed my credit report today and found those late payment remarks 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 2021-03-10 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:
Hi XXXX  XXXX XXXX  XXXX  ; Credit Reporting Agency ; XXXX, Equifax, XXXX  ; Listen, it's impossible that you continue to report this account with multiple inaccuracies on payment history from XX/XX/XXXX to XX/XX/XXXX for 30 days late every month. Impossible that you can honestly say that you verified. I've contacted everyone and done several types of research, as I was NEVER late during those times, and you simply replied that it's " accurate & verified '', and that means that you breach my privacy under the provisions of FCRA. It's impossible that different credit reporting agencies report different dates of being late. It's so inconsistent on the way it's reporting! Again, I was shocked when I reviewed my credit report today and found those late payment remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
ON SATURDAY XX/XX/2021, I RECEIVED A MAILING FROM CHASE BANK AND THERE WAS A NEW DEBIT CARD FOR A NEW CHECKING AND SAVING ACCOUNT THAT WAS FRAUDULENTLY OPENED WITH OUT MY KNOWLEDGE. I CONTACTED THE BANK AND THEY SAID IT IS NOW CLOSED THEY DO NOT KNOW HOW IT WAS OPENED AND ARE MAILING ME INFORMATION TO CLEAR MY NAME. MY COMPLAINT IS MY SOCIAL SECURITY WAS USED PLUS ALL MY INFORMATION IS OUT THERE. THIS IS THE FIRST OF 2 BANKS IN 1 WEEK.

Company response to consumer: Closed with non-monetary relief