vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN, while claiming to be just a repository, has a liability for the wrongful credit reporting when it is common knowledge that the subscriber is notoriously negligent and regularly misreports.When this information is in the public domain EXPERIAN becomes liable and negligent for their subscriber errors.THE DEPT OF EDUCATION IS ONE SUCH SUBSCRIBER.US DEPT OF EDUCATION LOANS BOTH ACCOUNTS, XXXX ARE SERIOUSLY BEING MISREPORTED.US DEPT OF ED,XXXX ON XX/XX/XXXX, DUE TO INACCURATE AND INCOMPLETE REPORTING, POST DISPUTE DROPPED MY EXPERIAN FICO SCORE 40 PTS.BOTH THE BEFORE DISPUTE AND AFTER ARE ATTACHED. 
THE DISPUTE SHOULD RESULT IN BOTH ACCOUNT DELETIONS AS BOTH ACCOUNTS WERE DELINQUENT OVER SEVEN YEARS.THE ACCOUNTS REPORT WITH FALSE HISTORIES.SCHOOL WAS OUT IN XXXX AND NO PAYMENTS WERE MADE.SO INSTEAD OF CORRECTING THE ERROR EXPERIAN ALLOWED MORE FRAUDULENT REPORTING MAKING THE ERROR EVEN MORE DAMAGING. 
THE C.O.O. OF THE US DEPT OF EDUCATION WHO QUIT IN XXXX OF XXXX SAID THE DEPT OF EDUCATION IS THE MOST IRRESPONSIBLE LENDER IN THE UNITED STATES.HE SAID PLENTY MORE BUT IT IS IN THE PUBLIC DOMAIN AND I HAVE SENT TO EXPERIAN PREVIOUSLY. 
SO EXPERIAN IS GROSSLY NEGLIGENT FOR ALLOWING MISREPORTING OF CREDIT KNOWINGLY.

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 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX I became XXXX ( not related to the virus ). I contacted the servicer for my Department of Education student loan ( Navient ) to change my Income Based Repayment plan. They acknowledged receiving my application and income verification documents. The student loan payment I made on my Income Based Repayment plan in XXXX was {$640.00} but then based upon my XXXX IBR application they changed my payment amount to {$1500.00} Under my XXXX insurance, I receive only XXXX of my regular income. This should apply to my Income Based Repayment plan as well, thus my recalculated student loan payment should be {$420.00} and this is the payment amount my IBR plan should indicate until my income changes or the one year IBR annual renewal occurs. 

During XXXX  school ( starting in XXXX ) I obtained student loans from several sources, however many years ago I refinanced all my student loans with the Department of Education at an interest rate of 4.25 % - then at some point Navient began collecting the payments. I understand that under the CARES act these student loan payments are not to be collected between XXXX and XXXX. 

Although currently on a XXXX, I am employed by a XXXX XXXXy XXXX XXXX XXXX for 4 years and have made monthly payments on my IBR plan going back at least 18 years. I worked for XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  at XXXX, XXXX XXXX, XXXX XXXX XXXX, and founded XXXX XXXX XXXX in XXXX. If my 5 years of work for the XXXX XXXX XXXX ( in the Kingdom of XXXX ) had been through the XXXX XXXX, or if I had been working in XXXX XXXX through XXXX XXXX XXXX, then that employment would more clearly apply toward Public Service Loan Forgiveness. But I believe that my employment during this period does apply toward a Public Service Loan Forgiveness. Is not working for the XXXX XXXX XXXX XXXX XXXX XXXX   also public service? I believe that it is, and thus a combined 4 years at XXXX, 5 years in XXXX, and 15 months at the XXXX XXXX XXXX program applied towards PSLF should release me from any further servitude to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the information in my file. These items are inaccurate because it reports a balance due, even though I do not owe a balance on this report due to me having a 1099C. As you know, when a 1099C is furnished, a XXXX balance is to be reported. I am requesting that the items be DELETED to correct the information. Enclosed are copies of an IRS form 1099-C received from XXXX, which states that the balance was forgiven, supporting my position. I have called and disputed several times via certified mail and get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts reporting inaccurately. I have disputed and reach out to all several times and they say the same thing over and over. Please reinvestigate these matters and delete the disputed items as soon as possible. The accounts referenced are : XXXX XXXX   XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I am the XXXX  of XXXX XXXX XXXX XXXX I am XXXX XXXX 
I have looked over my credit report and I am missing two credit accounts that are in good standing my XXXX XXXX XXXX and XXXX. The credit card companies have reported my payment history yet there is nothing even showing on my 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 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I want to establish a payment plan on the Gap card debt but the company is not accessible. They are offering no customer service. When one tries to contact them via telephone there are excessively long wait times and there is never a customer service agent via the online chat feature. The company is making it impossible to work with them and they are offering no assistance for people affected buy COVID-19 related hardship. They are predatory, and just keep harassing for payment. They also closed my account after several years having this card and many years of on time payments. If this isn't resolved to me satisfaction, I am going to report this to XXXX XXXX, my Congressman.

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 monetary relief
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.

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 2020-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am writing because I really need your help. I am being affected by a late payment reported on my Toyota Financial account. This is the account information : Toyota Financial / Lexus XXXX Ac # XXXX, 2019 XXXX XXXX. 

I called Toyota Financial several days trying to get a deferment but I couldnt get through. I was affected by income loss due to Covid19. Toyotas call centers were constantly backed up and I was not given the opportunity to defer the late payments. 

This is being a very difficult situation for me and my family. By the time, I got through to Toyota, I was already marked late. 

I really hope that Toyota makes a decision based on empathy, and takes in count the context of the late payment. I have never been late in the past, and this is a situation that I could not control. 

I am requesting the late payment be removed from my credit report. I think this is the right thing to do for a consumer that has been with you ( Toyota ) for one year, and that has never been late. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I am the owner of XXXX XXXX XXXX  XXXX I am XXXX XXXX. 
I have looked over my credit report and I am missing two credit accounts that are in good standing my XXXX XXXX XXXX and XXXX. The credit card companies have reported my payment history yet there is nothing even showing on my 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 2020-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the information in my file. These items are inaccurate because it reports a balance due, even though I do not owe a balance on this report due to me having a 1099C.  As you know, when a 1099C is furnished, a XXXX balance is to be reported. I am requesting that the items be DELETED to correct the information. Enclosed are copies of an IRS form 1099-C received from XXXX, which states that the balance was forgiven, supporting my position. I have called and disputed several times via certified mail and get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts reporting inaccurately. I have disputed and reach out to all several times and they say the same thing over and over. Please reinvestigate these matters and delete the disputed items as soon as possible. The accounts referenced are : XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: GA

Complaint narrative:
I am writing to dispute the information in my file. These items are inaccurate because it reports a balance due, even though I do not owe a balance on this report due to me having a 1099C. As you know, when a 1099C is furnished, a XXXX balance is to be reported. I am requesting that the items be DELETED to correct the information. Enclosed are copies of an IRS form 1099-C received from XXXX, which states that the balance was forgiven, supporting my position. I have called and disputed several times via certified mail and get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts reporting inaccurately. I have disputed and reach out to all several times and they say the same thing over and over. Please reinvestigate these matters and delete the disputed items as soon as possible. The accounts referenced are : XXXX XXXX  XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: AR

Complaint narrative:
This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.

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 2020-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I seen this on my credit report and have no knowledge of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XXXX I received a debt collection letter from XXXX XXXX XXXX , XXXX ( XXXX. XXXX XXXX, XXXX, IL XXXX, Tel : XXXX ext. XXXX ) demanding a balance due of {$640.00} with Original Creditor name as Speedy Cash ( Original Creditor Account Number XXXX ). The current creditor to whom the debt is owed is XXXX XXXX XXXX, XXXX. I have never ever dealt with Speedy Cash ( a PayDay franchise ). Someone used my identity to borrow this amount from Speedy Cash sometime in late XXXX. Upon getting a copy of my credit report from XXXX, I noticed that there was a second loan of {$1200.00} in my name also from Speedy Cash, but I have not yet received a collection letter about this amount. I immediately filed an identity theft case with the the City of  XXXX XXXX  XXXX, Texas with case number XXXX. I also filed my identity theft case with Federal Trade Commission ( # XXXX ) on XX/XX/XXXX. Since my home insurance with XXXX  provided coverage for identity theft, I filed a claim with them also. XXXX appointed XXXX to assist me with putting an alert with each credit bureau and assist me with resolving this identity theft fraud. I have not responded to XXXX XXXX XXXX directly, but I know the XXXX has and was advised to take it up with Speedy Cash. I do not wish to contact them and do not know the contact of this retail shop. I request you to please help me with investigating my identity theft which originated with Speedy Cash. I believe Speedy Cash is complicit in many other such fraudulent loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: NV

Complaint narrative:
I have made several attempts with the credit reporting agency Equifax to follow the law and remove fraudulent trade-lines on my credit file. The company is reporting these items as 'verified '. How could these items be verified? They report on no other credit reporting agency 's site. I've sent backup from the FEDERAL TRADE COMMISSION ( FTC ) showing that the trade lines have been properly reported to an agency. The trade-lines XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX are all reporting on my credit profile and all items should have been previously and presently DELETED from XXXX XXXX XXXX 's profile. 
Additionally, upon disputing these particular items for a forth time my credit score immediately dropped over 50 points. This is an unscrupulous act by the named agency!!! 
How am I to be punished with a score drop because of me wanting my due justice? There is no valid or legitimate reason for this. NO OTHER agency is reporting these items except EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I seen this on my credit report and have no knowledge of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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:
I am a victim of identity theft

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 2020-05-04 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: AR

Complaint narrative:
This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
My original lender was XXXX XXXX up until XX/XX/XXXX bsi is reporting that I was 120 days past due on my account with them in XXXX, XXXX of XXXX this is clearly Im accurate Im asking they remove the account from my profile as I have never sign any agreements with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I have written to Seterus on two occasions pointing out they are reporting a 30 day late in the Payment Status when the account shows closed with a XXXX balance. This is impossible ... .must be a key punch error. You can't be late when the account is closed with a XXXX balance. See attached excerpt from the credit report and the most recent letter dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My original lender was XXXX XXXX up until XX/XX/XXXX XXXX is reporting that I was 120 days past due on my account with them in XXXX, XXXX of XXXX this is clearly Im accurate Im asking they remove the account from my profile as I have never sign any agreements with 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