vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: MD

Complaint narrative:
XXXX credit bureau has a medical bill in the amount of {$1100.00} that is not mine. I have disputed this issue ( 3 ) times with no response. My last dispute the credit bureau responded stating that the information was vertify.Credit file # XXXX. 

I call the collection company : Designed Receivable Solutions. This bill was orginated at XXXX XXXX XXXX in XXXX, XXXX  in XXXX. I left XXXX in XX/XX/XXXX and moved to XXXX. I never used XXXX XXXX. I am a XXXX. I know that there are ( XXXX ) other XXXX  with the same name. I discovered this from the XXXX registry. The collection specialist vertifed all my information. She stated a mistake was made that the bill is not mine because there is a different birth date on the bill. She instructed me to submit a dispute to FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2021 - I performed an online balance transfer through Capitol One and the intended company never received the money. Capitol One has done nothing to assist with the matter except to send letters every few months, after we call yet again to try and resolve this matter, to another lender that had no affiliation with the original lender. We've sat on hold for hours trying to get someone to assist and have explained repeatedly that they sent the money to the wrong place. They keep stating that they aren't responsible, and I have tried getting a copy of the initial transaction to see if I made a mistake, but they won't show me my initial online request for the loan transfer stating they can't access any of the online transactions, so I have no means to prove otherwise. The copy of the check they sent was for a different company than the one I had applied for, and the routing on the check is suspicious. They have literally committed fraud to the tune of {$7500.00} and we are paying for a loan that we never received. We even had a lawyer call hoping that we just weren't communicating correctly, but they pretty much told us we would have to serve them to get any information. As a consumer I am horrified that this can happen and there seems to be no recourse. Any help with this matter would be greatly appreciated. Thank you for your time and assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX sold my loan to XXXX, which is administered by XXXX XXXX, XXXX. I was in an 18 month deferral for payment to XXXX until XXXX XXXX, XXXX because I lost my job because covid affected my employers business and I could not make payments during that time. I was laid off on XXXX XXXX. I started making payments to XXXX again for XXXX, XXXX, and then for XXXX and XXXX. XXXX sold my loan effective XX/XX/XXXX this year. I then began making payments to XXXX for XXXX and XXXX. However, Gregory has moved those last five payments to unpaid months in XXXX and have notified me that I am delinquent and subject to foreclosure. This is not accurate. I have requested first, of XXXX and second, of Gregory to roll my unpaid interest and escrow amounts ( {$38000.00} ) into a balloon payment due at the end of the loan. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I just checked my Credit report And there is Information that does not belong to me under my name its saying that I live in these addresses and Ive never lived there two different locations are on my credit Ive had this issue before where I was XXXX because somebody else use my information and I was released because I was the wrong person and now Im trying to build my credit work on it and now this if its possible I need to get this fixs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
The removed it then put it back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I recently submitted a request for investigation of an Acct Number : CHILDSUPPORT XXXX CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditorsXXXX in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX A SOC SEC # XXXX XXXX XX/XX/1976 ADDRESS XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NC

Complaint narrative:
I have a auto loan for a car with XXXX XXXX. XXXX XXXX  had my incorrect address on file, they was sending my mail to a Virginia address, that I never lived at. I just got that Virginia address removed from Experian, XXXX and XXXX account. I had to call to and update my address for that account. 

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VT

Complaint narrative:
I filed my recertification for XXXX for XXXX years I had worked in XXXX XXXX. My employers are qualified but they only accepted one as qualifying. This service was before I consolidated but my understanding is that the waiver means previous payments should count. My servicer is FedLoan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I applied for a credit Card with Wayfair. I applied becuase they advertised I could receive {$40.00} off a {$250.00} or more purchase. I attempted to purchase several items worth more than {$250.00}. The web site repeatedly gave me an error message for the addtional items that would put purchase over {$250.00}. 

I have attemtped to chat and call Wayfair call center to resolve this issue. At the very least to close my account. I can not get through to a person who will close my account.

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 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc.
State: MS

Complaint narrative:
I have asked this company to investigate the person or business entity that was responsible for this bill that they are allegedly stating that I owe. I have attached the document 's that were sent to me and these do not show that the checks were being paid by the state of Mississippi. I asked them to get canceled checks and to send me a signed copy of all document 's and the attached document 's do not show my signature on anything nor is the contract that they signed with the actual debtor. This is FRAUD and I want this matter to go away and this isn't my responsibility. The bill that they are attempting to collect is the responsibility of the State of Mississippi or HUD. This was a account back in XXXX and that particular entity in the government that was paying my rent is no longer in operations so i can't get any records or any information on the the payment 's that were being paid. I am requesting that Procollect investigate the full extent of who is responsible by getting canceled checks that will show that they came from the State Of Mississippi and this debt is not my responsibility. This company is deliberately holding this bill against me to destroy my lively hood for corporate greed. I spoke with these people over the phone and they told me that this was gon na remain and that I owe this money. This is not the correct amount that is owed because they added XXXX to the bill and that's illegal.

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 2022-04-13 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: WA

Complaint narrative:
I received a letter on XX/XX/2020 that my loan was no longer owned by XXXX XXXX. The balance was paid yet Transunion is still reporting the account inaccurately as charged off and unpaid after multiple disputes and requests for more information they continue to state that the account is verified as accurate although it is not.

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 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The removed it then put it back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: MN

Complaint narrative:
I have items on my credit that has been closed and is still on my credit. need them removed. 

XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX This was paid off years ago This should have been closed. 

Another one is XXXX XXXX REPORTED XX/XX/XXXX AMOUNT XXXX This was also paid off last XX/XX/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 2022-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Sensible Auto Lending, LLC
State: NJ

Complaint narrative:
I purchased a vehicle with Sensible Auto as the finance company. I was given an online account for which I view my account, billing statements, etc. My payments were to be bi-weekly and after 2 billing cycles eligible for monthly payments ( which I was ok with ). I made 2 payments XX/XX/2022 and XX/XX/2022. After making those payments the system reflected I did not have another payment due until XX/XX/2022. The section where future payments due was missing from my account and the only section visible or accessible was the receipts, Home Screen which includes a link for payments and due dates. I was delighted as I thought maybe in putting the deal together there was a break in payment or what have you. I receive a call from a representative on Monday XX/XX/2022 asking about a missed payment. I verified my account and went on to explain to the gentlemen the account stated I didnt have another payment due until XX/XX/2022 which he agreed was correct. I then asked why he is questioning a missed payment when there was none due according to the account and he said he agreed with what the account is showing but I owed the payment. I asked him if he could show me within my account I missed a payment I would be willing to listen but as he stated before he couldnt so it went back and forth like this for a minute or two and we parted ways. 
Today XX/XX/2022 I receive a call from Sensible Auto and pressed 1 for a representative and was sent to voicemail. I called back 15 minutes later and was connected to a representative who verified all of my information. We again went over the SAME EXACT information and again went back and forth. No explanation as to why my account had no future payments as it did in the past and why the payment date still reflects XX/XX/2022. After a heated exchange or two he could not give me a definitive answer ( he gave me four or five different excuses for why it COULD BE ) but not explaining why I should pay {$210.00} that my account doesnt reflect me owing! He then kept asking me to email me documentation. Which I have NEVER received a bill via email nor a request to speak with them via email. I asked why this documentation wasnt made available to me prior to today or at the very LEAST Monday when I was first contacted by another representative. Again no response. I declined to accept the email and have not opened the email sent by Sensible Auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax has no record of my credit, despite XXXX and XXXX reporting my credit scores. My husband and I are trying to get a loan for a house, but lenders are unable to get my credit score from Equifax, and as such are having to report my average score as lower than it would be otherwise. I have been informed that if we don't fix my Equifax score then we won't qualify for a mortgage. 

I have contacted Equifax multiple times to try to determine what the problem is or how to get my credit reported normally, but they have not provided me with a way to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EXPERIAN NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT EXPERIAN MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2022-04-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EXPERIAN NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT EXPERIAN MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2022-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc.
State: RI

Complaint narrative:
My XXXX XXXXXXXX XXXX she did fraud. I recently had to pull my credit reports up and discovered that my XXXX is apparently using my name and SSN to apply for credit. The credit reports showed many fraudulent transactions.

Company response to consumer: Closed with explanation