vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent 5 separate letters to Transunion XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 asking them to validate this account they are reporting on my credit report that I do not recognize ( XXXX XXXX ). All they keep telling me is it has been verified as accurate but have failed to provide me with any type of proof showing that I'm responsible for this account. I have been keeping very close attention to my credit report ever since I noticed multiple derogatory accounts I have no memory of. Today I received a notification advising me that Transunion is reporting a missed payment from ( XXXX XXXX ) and my score decreased 76 points!. First of all this account has been reporting as a charge off from the creditor, and second I DO NOT recognize this account! As I looked more into this I noticed Transunion is now reporting this account as open when it was reporting as a closed charge off. How are they reporting a missed payment when there is no due date showing??? My credit is everything to me and this is completely uncalled for! I know the laws that protect myself as a consumer against CRA 's. I demand they remove this account they are unable to validate and correct that missed payment off my credit report! I have attached documents highlighting showing missed payment and closed to open status.

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 2020-12-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax & XXXX  failed to update my account for XXXX account. It was paid in Full and Satisficed. The payments was {$590.00}. Please have them update the payment " in full ''. 

Equifax also gave me XXXX credit score. That is all wrong. I have good payment history and even shows " Exceptional Payment History ''. Please gave them upgrade to a " Higher Score ''. 

My FICO Credit Score is XXXX. How come Equifax is the ( XXXX ) which is low. 

It is because that I am XXXX or XXXX? Equifax is a XXXX Credit Brazeau. Equifax favors XXXX  Race with good, favorable Credit Score. 
This Company must not practice in the " Great State of Maryland ''. The top head at Equifax should be Fired or get training to enlightened about XXXX XXXX XXXX issues. 

I will also report Equifax to the State of Maryland, office of The Attorney General Consumer Protection Division. Equifax should be punished like a spoiled, rude, XXXX Boys. XXXX them good. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We had a 30 year home mortgage with Mr. Cooper, loan number XXXX. After never missing a payment for 30 years we mailed what I thought was our final payment {$1600.00} on XX/XX/20 ( see attached ). Mr. Cooper told us there as still owed {$520.00} which I paid on XX/XX/20 ( attached ). This payment was never applied. I sent another {$250.00} per Mr. Cooper 's request on XX/XX/20 but somewhere in there our payment was deemed late and it has now adversely affected my credit ( see attached ). I am asking that Mr. Cooper immediately contact the credit reporting bureaus to show this issue as resolved so that my credit will be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent in letters asking each credit company, to send me a copy of proof where they got there information to verify accounts on my report. I have sent letters to them from XXXX and also the bankruptcy court, that clearly states that they did not report anything to the credit reports. They keep on sending my reports stating that they have verify this information as accurate, However, I have asked over and over again for them to send me a copy of who verified this information which they will not. I have sent them 3 different letters and no one will send me this information. I have also sent letters to them about Student loans that report different on all my reports and I have asked them to remove this also. Next, I noticed that they will not update the late payments that they claim were late, but in the slots allotted it only reports for one month. Which by law they have to report it every month and they have not. They can't just update this, it has to be removed and the late payments must be taking off. I would like proof that all this has been done. Also they are reporting a XXXX account that states on 2 reports paid closed, and on XXXX  account open. Which needs to be removed also.

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 2020-12-21 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without 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 2020-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/2020 I visited a car new dealership to purchase one of the two XXXX 's for sale. I made it very clear on the website which vehicle I was interesting in purchasing. The sales person indicated that he would pull the SUV up front for me to see. 

After talking for about 30 minutes the sales person agree to accept {$5000.00} from my credit card and the balance I would electronically forward from the same credit union. 

They advised me that only {$3700.00} was available on my card. I authorized for the amount and I told the sales person to let go home to learn what had occurred because I made a payment the night  before. The salesman gave me the paperwork with the price, taxes and fees and it was then that I noticed a difference in the price that I was presented. The salesman was trying to sell me the other XXXX XXXX of the same year with a higher price. 

I went home and look at the two XXXX 's and the one I wanted and the one he tried to sell me. 

I emailed the manager of the car dealer to refund my money by returning the amount because I did not want the higher price SUV, the next day. 

I notified my Navy Federal Credit Union to dispute the transaction on XX/XX/2020. I learned the next week that I filed an dispute incorrectly, so I filed a dispute correctly. I did receive instructions to " freeze '' my account. 

I filed another dispute or questioning for a response. 

I was advised that it may take awhile. 

I purchased another newer SUV at another dealership on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM 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 2020-12-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM 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 2020-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: FL

Complaint narrative:
On my XX/XX/2020 my dispute to SCA collections was delivered I requested the 1099-oid and them to remove this account because it is medical and I did not give anyone permission to report my private information since then not response

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 2020-12-20 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: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: GA

Complaint narrative:
I was told I could reach out to you all to help me with an issue Ive been dealing with for some years now. There are student loans on my credit that I know nothing about. Im just so confused because I didnt even finish high school so could this happen to me. Im just trying to help my family as much as I can and the folks at the student loan place act like they dont know what im talking about. Can someone please help me get these off my credit. Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX XXXX, US Dept of Ed/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 2020-12-20 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: GA

Complaint narrative:
I was told I could reach out to you all to help me with an issue Ive been dealing with for some years now. There are student loans on my credit that I know nothing about. Im just so confused because I didnt even finish high school so could this happen to me. Im just trying to help my family as much as I can and the folks at the student loan place act like they dont know what im talking about. Can someone please help me get these off my credit. Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX XXXX, US Dept of EdXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: GA

Complaint narrative:
I was told I could reach out to you all to help me with an issue Ive been dealing with for some years now. There are student loans on my credit that I know nothing about. Im just so confused because I didnt even finish high school so could this happen to me. Im just trying to help my family as much as I can and the folks at the student loan place act like they dont know what im talking about. Can someone please help me get these off my credit. Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX XXXX, US Dept of EdXXXX.

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 2020-12-20 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: NC

Complaint narrative:
I utilize XXXX to stay updated with my credit score. Recently two reports have been listed in my equifax and transunion reports, the reports are from " medical bills ''. One dates back to XX/XX/XXXX and I was unaware of the bill until it became a " collections '' derogatory mark in my credit report XX/XX/XXXX. The other I have reported and requested removed. I've requested for information ( statements / proof of bills from these collection agencies ) from both equifax and XXXX which have not been provided. These companies continue to display negative information without " proof '', that is false. Wouldn't this be considered a " hipaa violation '' if my medical bills, or an itemized statement has been submitted to them without my consent for review? These two agencies have ignored my request to remove derogatory false information from my credit report. XXXX has also displayed a medical bill as negative but it was paid. The account was satisfied and paid without going to collections but its still showing in my report, how is this even legal. I have to constantly submit disputes and my disputes are always denied and the information is found to be correct? how can they determine this without proof? I pay all of my bills on time, with the exception of one late payment and it was in XXXX!. The same goes for a report with XXXX XXXX ( my car loan ) they have what's called " skip a payment '' ( due to the pandemic ) these agencies listed I have not followed the payment agreement but also state I pay on time they have the same information on some of my credit cards because I make multiple payments prior to the payment due date. This information is false and inaccurate it hurts my credit, and I pay all of my bills on time. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response

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 2020-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
HAPPY SUNDAY MGR ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
HAPPY WEEKEND MGR ; : I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation