vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 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: NJ

Complaint narrative:
^^Dear Government, My name is ****XXXX XXXX** I am repeating my complaint about incorrect information that exist in my credit report. I have been trying to reach out for some changes over a year but it never works. There are some " '' inaccurate '' '' addresses and employment information that are reported in my credit report. I and our association have no relationship with these records and assume that it would cause unexpected affect to my credit report. Here are the addresses and employment information that need to be corrected : ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO _XXXX XXXX _LOCAL XXXX XXXX  XXXX   XXXX, NY & & & & & & & & ^^^^^^^^^^^^^^^************** **ADDRESSES REPORTED _XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY 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 2020-06-03 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: NJ

Complaint narrative:
^^Dear Government, My name is ****XXXX XXXX** I am repeating my complaint about incorrect information that exist in my credit report. I have been trying to reach out for some changes over a year but it never works. There are some " '' inaccurate '' '' addresses and employment information that are reported in my credit report. I and our association have no relationship with these records and assume that it would cause unexpected affect to my credit report. Here are the addresses and employment information that need to be corrected : ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO _XXXX XXXX _LOCAL XXXX XXXX  XXXX   XXXX, NY & & & & & & & & XXXX **ADDRESSES REPORTED _XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY 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 2020-06-03 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: VA

Complaint narrative:
My complaints involve several issues which I am describing here. 

1. The first time I disputed a report on my account, I was asked all verification questions by the customer service rep named XXXX or XXXX. After I have been fully verified, she took the information about my dispute with XXXX XXXX reporting me as current, but had a note that included that I am in forbearance agreement. Prior to the Cares Act, I had never been in forbearance agreement. 
I had brought my account current on XX/XX/2020 but the report still shows I am in forbearance. Ten days after the information was taken by XXXX, I received a letter yesterday telling me that I have to submit all sorts of information to verify. I does not provide an email so I can do it expeditiously, or at its secured message website. Although I understand about protecting my credit, etc. I was already fully verified by XXXX as noted before. Now, Equifax can not be contacted by phone, it goes around in circles and directs callers to its website. Its website does the same thing. After taking some information, it does not let you continue. In short, Equifax seems to be not taking any dispute because phone calls do now work, its website also does not allow you to complete filing a complaint. 
2. The second issue involves Equifax selling my credit information to third party inquirers that I have not contacted. Specifically, I see a hard inquiry from XXXX XXXX but it shows that it was Equifax Mortgage services that provided the information to XXXX XXXX. 3. Equifax still shows the filing by XXXX XXXX XXXX of debt that shows it is already paid. I do not understand why Equifax still shows it under debt collection when it has been paid more than a month before the last Equifax report of XX/XX/2020. 
4. Just a week ago, the website does not allow to complete filing a dispute. It also does not provide the credit report even though it states that it is providing free credit reports for a certain number and times and period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
I closed account with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX about 3 years ago. I closed the account at XXXX XXXX XXXX XXXX XXXX XXXX and paid whatever balances I had. Then I received a bill again after closing so I went to the XXXX XXXX XXXX XXXX XXXX and checked with them for whatever balances I have to pay, Then they told me to return the internet and cable boxes with XXXX and I did so this balance maybe voided. I checked with them for all my balances and there was none and confirmed that my account is already closed. Besides, I pay my bills automatically online. I was surprised that this company which really does not have any customer service ethics sent this alleged debts to various billing collector agents which have bugged me for more than 3 years now. This has even done a great dent on my credit score. During the first few months, I kept receiving calls and letters from them, just to settle the debts, I sent them a check for XXXX which they were asking at that time, I don't remember which collector that was. Since I'm paying online I don't have any receipts and I couldn't find the receipts I paid XXXX XXXX XXXX XXXX. 
Today I received this bill XXXX from ERC with all the provisions for payments. 
It is not that I do not like to pay, but I know in my heart that I do not owe XXXX XXXX XXXX any amount. Truth is they even duped us of the packages that they offered at that time. You can check all my credits and there isn't a single complaints on me except this, which I know I do not have any liability whatsoever. 
Please help me with this. I would appreciate should any action be taken especially now during this unprecedented times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
Approximately three years ago, XXXX XXXX in XXXX KY treated me for XXXX  pain. They subsequently sent me an erroneous bill because they used improper coding and date documentation according to my insurance company. I made multiple attempts to inform both my insurance company and this provider my insurance status. 

The billing staff at the provider did not cooperate such that my insurance company would pay the amount due. I do not owe the stated amount and in fact was not treated on the dates shown by them. 

I wrote to GLA collections on XX/XX/2019 and subsequently spoke to a collections agent about the situation. They have refused to consider my side of the story. 

XXXX has also failed to consider my multiple error reports or even contact me to inquire about the material facts in this case.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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:
XXXX XXXX XXXX ( collection department agency/attorney ... original creditor is XXXX XXXX XXXX for the amount of {$2800.00}. opened on XX/XX/2020.. Balance updated on XX/XX/2020.  The Bill is for a XXXX XXXX XXXX for XXXX. I am a female and my name is XXXX XXXX. I was formally married to XXXX XXXX   and resided at XXXX XXXX XXXX in XXXX Ga XXXX. XXXX XXXX has a brother named XXXX XXXX XXXX. its seems this bill belongs to him. I have reported this to law enforcement and the amount needs to be removed from my credit report, because I am not the responsible party for the payment. It is incorrectly reported and appears on my experian credit report. I have filed a dispute to this effect. Police case # 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 2020-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
In XXXX of 2020, I borrowed a total of {$2000.00} from these people. 

Then my work was severely impacted by the coronavirus shutdowns. I have already paid about {$500.00} in interest, or about 20 %. 

I've attempted to setup a payment plan with them, but they won't stop the accumulation of interest. They are now saying I owe them {$3100.00}. They will soon double the amount. 

At XXXX years old, I am not optimistic about finding new employment. My hours are starting to come back up, but I'm a long way in the hole. 

All I want is for them to accept the {$500.00} interest I've paid them, and let me repay the loan amount of $ 2000 monthly. 

They have done NOTHING to compensate for the pandemic. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
XX/XX/XXXX : my bank noticed some fraudulent transaction had undergone XX/XX/XXXX : I have received a letter from the issuer of my credit card that they had placed a restriction on my credit card account until they can confirm that there is no fraud occurring XX/XX/XXXX ; The bank contacted me to sent them : ( a ) a copy of utility bill ( b ) a copy of bank statement ( c ) a copy of current rental agreement XX/XX/XXXX : I received a suspicious call that asked and asked me security code of my credit card XX/XX/XXXX I reported the incident to the customer service of the bank - At the end of XX/XX/XXXX i have noticed a payment from checking account to this credit for I had autopayment - I have ordered my bank to cancel the payment, and call and talked to the issuer of the credit card - I was told that over {$11000.00} was purchased by my card - They sent me the bank statement from XX/XX/XXXX. And I reported to the Fraud Department all the transaction were fraud but they didn't make the balance XXXX for there were unreported fraud transaction back from XX/XX/XXXX. 
- So I requested the customer services to send me the statements of some months from end of XXXX - I have learned that there were remaining fraud activities in XX/XX/XXXX whose total amount is about {$2700.00} - However, the fraud department rejected my claim repeatedly and advised me to pay it while themselves noticed such fraud transactions as the mail I got on XX/XX/XXXX and XX/XX/XXXX indicated

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 2020-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I've sent a letter for validation back on XX/XX/XXXX. I've recieved no letter back in the mail. 

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: IL

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting lates in XXXX and XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I contacted the lender and make specific arrangements for deferred payments due to my inability to pay during the Corona Virus  Pandemic. I was assured by the representative that I spoke with that I would NOT be charged any lates and that no lates would be reported on my credit report. Unfortunately, they did not keep their word on our payment arrangement and reported the lates to the bureaus any way. This false reporting of lates is seriously harming my credit score and  these lates need to be removed from my credit report. I have contacted the bureaus to remove these 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
Consumer complaint received 2020-06-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting lates in XXXX and XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I contacted the lender and make specific arrangements for deferred payments due to my inability to pay during the Corona Virus Pandemic. I was assured by the representative that I spoke with that I would NOT be charged any lates and that no lates would be reported on my credit report. Unfortunately, they did not keep their word on our payment arrangement and reported the lates to the bureaus any way. This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have  contacted the bureaus to remove these 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
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been asking the credit bureaus to delete these unknown addresses on my report since XX/XX/XXXX. 

XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Transunion has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I need them deleted off of my credit reports they do not belong to me. Not my primary residence.

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been asking the credit bureaus to delete these unknown addresses on my report since XX/XX/XXXX. 

XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I need them deleted off of my credit reports they do not belong to me. Not my primary residence.

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 2020-06-03 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: FL

Complaint narrative:
Some one opened account used my personal information. Please remove this account from credit report. 

XXXX XXXX XXXX -date fraud began XX/XX/2003 account number 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 2020-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION
State: TX

Complaint narrative:
I paid a total of {$1200.00} in three extra payments intending to reduce the principal on a loan. Principal was not reduced in accordance with the amount paid. After contacting the company about the discrepancy I was assured that the issue would be addressed.. 
The issue was not addressed satisfactorily but became more confusing. The second attempt to address the issue has been met with delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
debt is not owed. I have no proof of debt being owed or correspondence from creditor.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received my credit scores from 3 credit reporting agencies and each has shown a massive decline in my credit score for  Transunion and XXXX. My credit score was XXXX for XXXX  and XXXX for Transunion for months and no one can explained the massive drop. I have paid all accounts on time. I have continued to reduced my credit utilization, paying out two accounts out of the 3 credit cards, XXXX and XXXX XXXX accounts are paid to a XXXX balance. I have paid my XXXX account down to {$4800.00} and though they are reporting {$5600.00} my credit score for months remained the same of XXXX and XXXX. My credit score has been XXXX and XXXX over a year or so and I have only continue to pay all of my creditors down, When I spoke to the rep at Transunion inquring about the drop in my score and informing her that XXXX XXXX, XXXX XXXX and XXXX   are all reporting the same devreased scores. Though I informed her that all 3 organizations report the scores using XXXX XXXX she indicated to me that Transunion uses XXXX XXXX. She indicated to me to contact the organizations and inquire of them why the drop in the score. I informed her that when I inquired of XXXX XXXX, XXXX and XXXX XXXX, all 3 organizations indicated they only report what Transunion and XXXX  reports to them. The only thing that should have reflected on my credit reports was an increase, not a massive decrease.

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 2020-06-03 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I APPLIED FOR A MORTGAGE AND THEY DENIED ME BECAUSE THEY SAID I MISSED A MORTGAGE PAYMENT WITH SPECIALIZED LOAN SERVICES ... I HAD NOT. I CALLED SPECIALIZED AND THEY COULD NOT EXPLAIN WHY THEY THOUGHT I WAS LATE. I WILL ATTACHED MY RECORDS OF MY PAYMENTS WITH THIS COMPLAINT. I NO LONGER HAVE THE LOAN WITH SPECIALIZED AS IT IS PAID OFF. THEY LISTED ME 30 DAYS LATE FOR XX/XX/2019. I WAS NOT PERHAPS THIS WAS WHEN THEY WERE TRANSFERING TO XXXX XXXX XXXX? WHICH THEY SHOULD NOT HAVE BEEN REPORTING NEGATIVE INFORMATION ANYWAY DURING THAT PERIOD

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 2020-06-03 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: VA

Complaint narrative:
I called today ( XX/XX/2020 ) to talk to an Equifax representative and informed him that I can not access my account. When I login, I get the attached message, the message saying that my account is locked out and to call a 1 800 number. I called that number, the representative reset the password, and I am still not able to access my account. I have tried for several weeks, logging in for several weeks to access my account and I keep getting the attached error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Delbert Services
State: PA

Complaint narrative:
I want to know how I can become part of the lawsuit

Company response to consumer: Untimely response