vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Inquiry from CBNA onXX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from CBNA on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry 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 non-monetary relief
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been contacting Equifax regarding a serious situation. Ive had all types of information on my credit report and I can not get through to get my credit report because of the miss information. I have provided my picture ID and my Social Security card for verification of who I am. They then sent me a letter stating that I have a mixed file with other people so I asked them to remove everything off my credit report that was added due to them having me in a mixed file. They keep making me go in circles to get this done. I have provided them with everything they have asked for I have done everything that I can and I am asking that you are have them comply with removing those accounts due to them having me with a mixed file. I was a part of the data breach that happened with this company a few years ago. The way they are reporting my credit and then sending me the letter that I have been in a mixed file That they need to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: GA

Complaint narrative:
Equifax need to update the error on my credit repot what XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry 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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CL Holdings LLC
State: CA

Complaint narrative:
I have been having a really tough time with XXXX XXXX XXXX credit card. I had two accounts with them which went in to collections and eventually charged off. Upon checking my credit I have been trying to pay off all my debt. I contacted them XX/XX/2020 to try to pay what I owe them and they informed me that there collection agency is Jefferson Capital and I needed to contact them first to pay and then Jefferson capital would report the two payments to them and they would update the accounts on my credit report to a XXXX balance. I paid Jefferson Capital that same day settlejng the debt for less than total amount which satisfies the debt. Jefferson Capital then emailed me two letters stating both cards have been satisfied and now have a XXXX   balance and they would be letting XXXX know and they would update the credit. A few days passed and I noticed XXXX updates one of the accounts with the amount of the payment and still showed a remaining balance which is not what I was told would be done. I called XXXX yesterday and the rep told me they only show one payment being made and there was still a balance and that Jefferson capital hasnt notified them that what I paid settled the account. They never saw the second payment at all and they were made the same day. I called Jefferson capital back and after talking to a supervisor she informed me that XXXX sold them one of the accounts and that is why they only see one payment on there and that they were not obligated to report the other payment to them. She also said they already notified them the other debt was settled. This is all completely insane at this point. Im being given the runaround at every angle. I have settled both accounts which they are both reported on on my credit report by XXXX XXXX XXXX   but if Jefferson capital will not notify them property then the debt will continue to be reported on my credit from XXXX with. Balance when that information is incorrect. I called XXXX XXXX back several times and they were being very rude to me and one person even hung up in my face. This is very upsetting. These are the only negative marks in my credit and no one seems to be helping me. XXXX shouldnt even be reporting one of the accounts at all since it was sold and they should be deleted. At the very least the other account needs to be updated to XXXX   balance because the debt has been paid but they are not doing things properly and this is not right. After I paid both accounts they asked in that same phone call if I wanted to open new accounts with XXXX and after all this there is no way in XXXX that would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEICHERT FINANCIAL SERVICES
State: NJ

Complaint narrative:
mortgage company paid my third quarter tax bill, which was not late. since they paid third quarter tax bill I was unable to pay. I refunded the money they paid and have continued to pay my property tax, and monthly mortgage. Company has been trying to increase my monthly mortgage payment to start an escrow account. Company is taking my payment and putting in an escrow account and then reporting non payment to credit bureau. A complaint was made to the XXXX on XXXX with no response from company. Attached are my correspondents with mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry 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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Inquiry from CAP ONE AF on XX/XX/2018. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX  XXXX {$2000.00} DEPTEDXXXX XXXX {$3300.00} DEPTEDXXXX   XXXX {$1000.00} XXXX XXXX $ XXXX DEPTEDXXXX XXXX {$420.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX {$160.00} XXXX  XXXX XXXX {$250.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00} XXXX XXXX {$230.00} XXXX XXXX {$980.00} XXXX   XXXX {$59.00}

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 2020-08-12 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$3300.00} DEPTEDXXXX   XXXX {$1000.00} XXXX XXXX $ XXXX DEPTEDXXXX  XXXX {$420.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX {$160.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00} XXXX XXXX {$230.00} XXXX XXXX {$980.00} XXXX   XXXX {$59.00}

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 2020-08-12 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: CO

Complaint narrative:
XXXX XXXX lured me to leave XXXX to XXXX   for a job. A little over a month into the job I got understand the job was not what they had advertised. The job I applied to and was willing to do was that of a XXXX XXXX, but XXXX had me taking phone calls all day long in a XXXX XXXX from irate customers. My education and training as a XXXX XXXX personnel was not being put to use. So I decided to look for other opportunities that best suited my skills and would add value to my career. 

After quitting In XXXX of XX/XX/XXXX, XXXX XXXX decided to come after me to repay the relocation package I was offered. 

On XX/XX/XXXX, my Attorney sent a letter to XXXX XXXX in an attempt to resolve the debt XXXX is asking to collect in the amount of {$3500.00}. 

XXXX never responded even after a second attempt was made to get them to resolve the matter. The letter from my Attorney to XXXX XXXX is attached. 

Now the record is on my credit report with damaging effects.

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inquiry from XXXX XXXX XXXX on XX/XX/2018. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry 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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Inquiry from XXXX XXXX XXXX on XX/XX/2018. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$1900.00} XXXX  XXXX {$2600.00} XXXX XXXX {$4400.00} XXXX XXXX {$240.00} XXXX   XXXX {$170.00} XXXX XXXX {$270.00} XXXX XXXX {$360.00} XXXX   XXXX {$570.00} XXXX XXXX {$710.00} XXXX XXXX {$440.00} XXXX   XXXX {$240.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$3500.00} XXXX XXXX {$2700.00} XXXX XXXX {$1500.00}

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 2020-08-12 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$1900.00} XXXX XXXXXXXX {$2600.00} XXXX XXXX {$4400.00} XXXX XXXX {$240.00} XXXX   XXXX {$170.00} XXXX  XXXX {$270.00} XXXX XXXXXXXX {$360.00} XXXX   XXXX {$570.00} XXXX XXXX {$710.00} XXXX XXXXXXXX {$440.00} XXXX   XXXX {$240.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$18000.00} XXXX  XXXX {$3500.00} XXXX XXXX {$2700.00} XXXX XXXX {$1500.00}

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Called Quicken Loans about a {$55000.00} new home loan. I was told they don't do new home loans less than {$100000.00} and they still ran my credit report. It was an unsolicited credit check for a loan they couldn't even give to me. 

I called and was told it was run because I DIDN'T tell them not to run it. That's ABSURD. 
I asked them to remove it from my credit report and they said " its only 10 points ''. I don't care if it's one point if I did not ask them to tell them to run the report. It's under my phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
On XX/XX/20 i checked my credit report and saw a debt that i have no knowledge of.Hunter Warfield is trying to collect a debt that i never signed a contract with them nor have i entered into any written verbal or electronic agreements with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
A debt validation letter was sent to CAPITAL ONE AUTO FINANCE ON XX/XX/2020 with regard to a concern with possible non full disclosure and fraud with regards to the auto loan in question, by certified mail, which i have not received a response in the fair amount of time of 14 days that were given to them. below is the amount presumed to be owed that was not validate as of today. 

CAPITAL ONE AUTO FINANCE - XXXX, XXXX " WITHOUT PREJUDICE '' Sincerely XXXX XXXX XXXX of the XXXX XXXX family

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had 3 accounts at Bank of America ( 1 checking, 2 savings ) that all used to be free accounts. At some point, the fee rules supposedly changed and I was not notified. Fees continued to accrue on my accounts for 18 months, totaling about {$280.00} in fees. I called Bank of America and they acknowledged that all of the fee rules changed for my accounts at some point and I was told that the information was included " on a small line on one of my statements ''. This should have been sent out as a big bank notification, like they send me an email every time my account is low. They also could have sent out a second obvious mailer. I  believe that they did not want consumers to notice all the new fees. I also believe that have a suspicious practice of giving a free account and then at some point that transitions to having fees. So basically they are trying to hook you and then trick you into accruing a bunch of fees on your accounts. Bank of America only returned {$8.00} I believe, which was one fee on one of my accounts. I closed 2 of those accounts that day but need to stop a direct deposit on the third before closing. I believe Bank of America should be closely investigated for this practice and penalized.

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 2020-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: MA

Complaint narrative:
In XX/XX/XXXX, CNAC was sued by the XXXX   Attorney General. A settlement was announced on XX/XX/XXXX indicating that I would be notified by the Attorney General about the impact that this would have on my account. On XX/XX/XXXX, CNAC sent an unsigned letter describing the way they believed my account was impacted and indicated that my payments would be lowered accordingly. On XX/XX/XXXX, I made a payment and I informed CNAC that I would need a copy of my account history to analyze the changes that CNAC suggested were a result of the Attorney General settlement agreement. I received the statement in mid XXXX, XXXX. I have now assembled all information related to this loan and sent a copy to the XXXX Attorney General to ask for their guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
i notice a negative item on my credit report from HEAD MERCANTILE COMPANY ON XX/XX/2020 SAYING I OWE A ALLEGED DEBT OF XXXX. I sent them a complaint letter for this debt which I attached a copy below.I am asking for any assistance in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CO

Complaint narrative:
Experian is reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. )  This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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