vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
On XX/XX/XXXX, my husband and I purchased a vehicle at XXXX XXXX XXXX. We owned the vehicle less than 24 hours. The vehicle was returned for service issues on XX/XX/XXXX and I was given a loaner vehicle. On Friday, XX/XX/XXXX the loaner vehicle was returned to XXXX XXXX XXXX and I went home with my original XXXX due to negligence on the dealer 's part. I did not take home the XXXX XXXX - however, I received a statement dated XX/XX/XXXX about the XXXX. I contacted XXXX fiancing to see why this account was still open. I am reporting this account as fraudulent as I do not own this vehicle. It was returned XX/XX/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 2020-07-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: CT

Complaint narrative:
I joined the United States Military in XXXX shortly after that I wanted to start establishing credit. When applying for a loan in XXXX equifax stated they could not find me in the system when using my info. XXXX XXXX XXXX XXXX tried to help me get through to equifax but with no success. XX/XX/XXXX I went to apply for a home loan but equifax did not show up on report. XXXX and XXXX both gave me scores regarding my credit. I have sent in the required documentation over six times they always state they do not receive my paperwork so I sent it certified, they write back letter asking for the same documentation we sent in and stating they can not find me in the system. I have reached out by phone to equifax and get home up on several times or they say I need to send in the documentation. I am unable to build my credit if my equifax score acts like its frozen but they can not find me in their system based on my info/social security info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
For four-five months in XXXX, M & T reported two-year-old ( XXXX ), less than 90-day, non-charge-off delinquencies that have affected my credit rating. According to law, unless these were charge-offs, they should be removed. Even though the payments cited doubled in amounts and the time-frame included the time I requested a forebearance, each monthly payment was paid in two installments within 30 days. This is evidenced by greater amounts paid than requested in some months because of how they reported the payments. 

The payments were recorded incorrectly as delinquent when they were paid within 30 days.

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 2020-07-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been trying to correct my incorrect credit score with XXXX and TRANSUNION since XX/XX/2020. I have sent 2 certified letters, made countless phone calls taking hours, and did not achieve a correction. I also hired an attorney, who also could not achieve a correction. 

Here is the issue ; I have 3 score factors " helping '' and 2 score factors " hurting '' my credit score on BOTH XXXX AND TRANSUNION. On XXXX, I have 4 score factors " helping '' and XXXX score factors " hurting. '' THIS NOTATION IN XXXX IS CORRECT. 

NOW : when I reach out to TRANSUNION AND XXXX  to rectify this wrong, all they keep doing is send me my credit report, and claim that it is correct as it stands. THE ISSUE IS, I AGREE THE CREDIT REPORT IS CORRECT AS IT STANDS. BUT, THE 2 FACTORS HURTING MY SCORE ARE " SERIOUS DELINQUENCY OR DEROGATORY INDICATOR '' AND " FEW ACCOUNTS IN GOOD STANDING. '' SO WHEN I GO TO MY REPORT TO FIND A DELINQUENCY OR DEROGATORY INDICATOR, THERE ARE NONE AT ALL! THIS IS WHY I AGREE WITH THEIR FINDINGS, MY REPORT HAS ABSOLUTELY NO DELINQUENCY AND NO DEROGATORY MARKER AND ALL MY ACCOUNTS ARE IN GOOD STANDING. BOTH XXXX XXXX AND TRANSUNION 'S CREDIT REPORTS REFLECT THIS ACCURATELY, BUT WHEN I LOG IN TO MY PAGE, THEY ARE STILL NOTING " 2 SCORE FACTORS THAT ARE HURTING MY SCORE. '' YET, THEY CAN NOT PROVE THIS ANYWHERE. HENCE, MY XXXX  CREDIT SCORE IS XXXX, AND TRANSUNION IS XXXX. For reference, XXXX  which got it ALL CORRECT awards me with a score of XXXX. I feel my scores from XXXX at XXXX and TRANSUNION at XXXX ARE INCORRECT. I NEED MY SCORES CORRECTED AND MY 2 " HURTING '' SCORE FACTORS REMOVED, AS THEY DO NOT EXIST. Again, my credit report is CORRECT from all 3 credit bureaus, but XXXX XXXX and TRANSUNION 'S score factors and scores are INCORRECT, as they do not reflect EXCELLENT CREDIT HISTORY EVEN THOUGH MY CREDIT REPORTS ACCURATELY REFLECT EXCELLENT CREDIT HISTORY. 

Please forgive my accentuation with the caps. I have gone through months and countless hours trying to get through to someone, and no one gets it on the end of the credit bureau. THIS IS AFFECTING MY LIFE in getting car loans and applying for a pre-approval for a mortgage to potentially purchase a home. It is not right when my score is incorrectly reflecting poorly on my EXCELLENT HISTORY. 

Thank you endlessly for any and all consideration.

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 2020-07-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Problems affecting following private loans through Navient ( formerly Sallie Mae ) with associated dates. 
XXXX Tuition Answer Private Loan XXXX ( 3 derogatory marks ) XXXX Stafford  - Subsidized FFELP Loan XXXX ( 3 deragatory remarks ) Issues also affecting Dept Ed loans listed in separate complaint. 
During the above mentioned dates, I entered repayment for my student loans serviced by Navient without proper written notification. I became aware of my delinquency while checking spam email and immediately contacted Navient in XXXX of XXXX. I was told via recorded line conversation that my billing notification had been switched to paperless billing and had been done via email exclusively. I had never authorized such action on any of my accounts. When I asked when and how the authorization to switch my accounts to paperless was performed, I was given no information and told it had been done automatically. At the time, I relied on paper bills ( and prefer them to this day ) to relay changes to billing statements. When I had reconnected with Navient after reinstating payments, I was unable to receive any requested information from my previous conversation ( who I had spoken to and the recorded file of the conversation ). When I had requested the derogatory marks be removed from my credit history, I was told there was no avenue through Navient which I could pursue to correct the marks. I have challenged the information with credit reporting agencies only to find that Navient had not provided any details regarding the incident. Navient has a history of documented poor customer service, which I have experienced as well. I have had difficulty getting information on programs to assist in loan repayment, ambiguity regarding deferment, and have asked about public service loan forgiveness ( XXXX  for 4 years at this time ) only to be told that my loan " does not qualify '' but no additional information on how to roll the loan into an eligible account. Luckily most of these customer service deficiencies have not necessarily affected my credit score, with the exception of the derogatory marks mentioned above. My credit report has 13 late payments in all my years of credit, including with Navient before/since this incident ( 1 legitimate late payment due to a new credit card number issued on an auto loan, and the other 12 from Navient connected to this singular event, 6 on the private side and 6 on the Dept of Ed side ). Without these above mentioned derogatory marks, my credit would be in great shape, and it is time for Navient to finally fix things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: GA

Complaint narrative:
On XX/XX/XXXX, my husband and I purchased a vehicle at XXXX XXXX XXXX. We owned the vehicle less than 24 hours. The vehicle was returned for service issues on XX/XX/XXXX and I was given a loaner vehicle. On Friday, XX/XX/XXXX the loaner vehicle was returned to XXXX XXXX XXXX and I went home with my original XXXX   due to negligence on the dealer 's part. I did not take home the XXXX XXXX - however, I received a statement dated XX/XX/XXXX about the XXXX. I contacted XXXX XXXX  to see why this account was still open. I am reporting this account as fraudulent as I do not own this vehicle. It was returned XX/XX/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 2020-07-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX 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 2020-07-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX 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 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

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 2020-07-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have submitted several dispute letters asking how the accounts that are reporting negative on my credit report were verified. no response was ever given to me and the accounts continue to report incorrectly. both XXXX and experian are reporting these accounts incorrectly since they have not been verified and no proof has been given to me.

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 2020-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Where is my sign hippa release form? Also my sign financial responsibility form for the medical practice? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I removed the freeze on my credit report and my wife 's credit report with all three credit reporting agencies so that we could apply to refinance our mortgage on our home. Our loan was approved and I wanted to again freeze our credit reports. With XXXX and XXXX the process was easy to do online. With Experian I found that it was impossible using their online site or by calling any of several of their phone numbers. It was impossible to talk to an agent. They do not answer their corporate headquarters number listed as ( XXXX XXXX XXXX. It should not be that hard to freeze a credit report. 

Please you good offices to require Experian to make it easy to freeze and unfreeze credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA 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