vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-25 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: MD

Complaint narrative:
on XX/XX/2019 experian reported two new late payments on my file and decreased my fico score by 41 points. there were NO NEW LATE PAYMENTS - the two accounts that were documented as having the two NEW late payments were XXXX XXXX XXXX and XXXX XXXX XXXX. however - both accounts have been closed and charged off for many years. 
for the past 5 years - since they are closed and charged off - there have been NO new late payments reported. see attached experian documentation taken from their web site for my account - you will see 2 " Negative Payment Activity We noticed 2 new negative payment activities. '' however - look at their report stating the last time there was any late payment incidents and you will find the last late payment on my file was 1 year and 2 months ago which is actually not related to either XXXX XXXX nor XXXX XXXX - it was a late payment on a closed PAID IN FULL credit card account - so experian needs to research and explain why i have not had a late payment reported on my file but they report i have 2 new late payments - this is contradicted by their own audit trail on my  late payment history. 

this is incorrect and is causing me financial hardship because it takes my fico score from ok to poor. experian needs to be in adherence with the fair credit reporting act and correct this error on my file and add the 41 point drop back into my fico score. 

Open Credit Cards 0 Open Retail Cards 2 Open Real Estate Loans 0 Open Installment Loans 1 Total Open Accounts 3 Accounts Ever Late 3 Collections Accounts 0 Time Since Negative 1 Year 2 Months Average Account Age 5 Years Oldest Account 11 Years 6 Months

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 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax Has really screwed up my credit report. They have two HUGE errors and I am asking for correction and monetary settlement due to their errors.

They once again have put a DISPUTE CODE/STATEMENT on my XXXX XXXX account ( XXXX ) I have never disputed anything with them or the company and I am demanding that this statement and all dispute codes be removed from my credit report and that this never happen again. ( SEE PROOF ATTACHED ) They have also now removed a good standing account ( XXXX XXXX XXXX XXXX account from my credit report ) All good payment history gone because of these idiots and their violation of the FCRA. They have also put on there that I have disputed this account and a REINVESTIGATION is in  process. I personally spoke with my rep at XXXX XXXX XXXX XXXX and they have informed me that no dispute was ever opened. This account and all past positive credit payment history is DEMANDED to be put back on my report and that my report not be touched like this again. 

I am demanding that all incorrect information be removed and that a monetary reward of XXXX per instance a total of XXXX be rewarded to me because of this companies arrogant and incorrect behavior and because they are causing financial strain on me to take time out of my busy schedule to stay on top of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I dont know who this company/debt collector is. I've never signed a contract with neither one of them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25 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: CA

Complaint narrative:
My XXXX XXXX  / XXXX XXXX account was removed from my Equifax credit report. I recently had an unauthorized charge due to fraud and reported the charge as fraud. XXXX XXXX sent me a new credit card with a new account number. However, the old account was removed from my Equifax credit report and the new account never reported. 

The following is email correspondence with XXXX  : From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX  Thank you for your recent inquiry to our Customer Care Department XXXX 
XXXX XXXX issues your account and responds to all credit related inquiries. 

I am happy to go over your account with you. The accounts are reported electronically to the three major credit bureaus every thirty days. The account was reported on XX/XX/XXXX as " Current Account. '' Please allow up to 45 days for the credit bureaus to update your report. Thank you! 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, My XXXX XXXX XXXX XXXX account is not being reported to Equifax. The account was removed in XX/XX/XXXX after I reported fraudulent charges made to my account. 

It is reporting to XXXX  and XXXX with the remarks " account in dispute ''. 

Can you please see that my account is updated and the trade line reinserted to my Equifax credit report? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was a employee of a corp that im no longer of. company obviously stopped paying card. XXXX is putting on my credit. Sid im not owner. Asked them for copies of application showing me as personal guarantor. No response. They started investigation but have heard nothing. They keep reporting past 120 on my report damaging me from moving forward in my business ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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:
Account is showing as opened in XX/XX/2016. I have not had an account with the original creditor for over 10 years, should no longer be on my credit report. 
Amount owed is inaccurate, have never had such a balance with original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My Comenity Bank / XXXX XXXX account was removed from my XXXX credit report. I recently had an unauthorized charge due to fraud and reported the charge as fraud. Comenity Bank sent me a new credit card with a new account number. However, the old account was removed from my XXXX   credit report and the new account never reported. 

The following is email correspondence with Comenity : From : Comenity Bank Sent : Monday, XX/XX/XXXX XXXX XXXX ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department XXXX 
Comenity Bank issues your account and responds to all credit related inquiries. 

I am happy to go over your account with you. The accounts are reported electronically to the three major credit bureaus every thirty days. The account was reported on XX/XX/XXXX as " Current Account. '' Please allow up to 45 days for the credit bureaus to update your report. Thank you! 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, I. XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, My Comenity Bank XXXX XXXX account is not being reported to XXXX. The account was removed in XX/XX/XXXX after I reported fraudulent charges made to my account. 

It is reporting to XXXX  and XXXX with the remarks " account in dispute ''. 

Can you please see that my account is updated and the trade line reinserted to my XXXX  credit report? 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I dont know who this company/debt collector is. I've never signed a contract with neither one of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
My balance actually goes UP every month. I have called, and sent numerous emails over the past 60 days with NO RETURN call. I get texts that ask If my Navient problem has been taken care of -- -I reply NO. Nothing else happens. I had been paying interest only for years and did not even realize it. NOticed my balance staying the same and made contact to increase my monthly payment. No balance is higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Between XX/XX/XXXX-XX/XX/XXXX of this year, an account from Ally Financial appeared on my Credit Report saying I am a co-signer on a Business Loan for XXXX XXXX XXXX. This Business is non existent. I am not affiliated with this company. I reached out to Ally Financial to get further information about this debt to see loan documents/and or Validation to see why this suddenly appeared on my credit. I have never made any payments to this company, but someone has been who I do not know. Ally Financial refuse to give me information and referred me to speak to XXXX XXXX XXXX, a debt collection company. I reached out to them, and they can not validate the debt either, or give me information pertaining to the loan. I am a victim of fraud and I need this removed from my credit immediately.

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 2019-08-25 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: FL

Complaint narrative:
I reported all of these inquiries to the following Credit Reporting Agencies, Transunion XXXX  and submitted info related to fraud on my account with the illegal use of my Social Security No., and asked that all of the hard inquiries be removed from my credit report, as these are impacting my credit score, and are being illegally reported on my credit report.

However these Credit reporting bureaus have  refused, and completely refused to remove these erroneous inquiries from my report. 

The following inquiries are on my report and these reporting agencies refuse to take them off. 

XXXX - XX/XX/XXXX MAB RETAIL - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX CAR FINANCE - XX/XX/XXXX CAR FINANCE - XX/XX/XXXX INFORMATIVE - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - 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 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Between XX/XX/XXXX-XX/XX/XXXX of this year, an account from XXXX XXXX appeared on my Credit Report saying I am a co-signer on a Business Loan for XXXX XXXX XXXX. This Business is non existent. I am not affiliated with this company. I reached out to XXXX XXXX to get further information about this debt to see loan documents/and or Validation to see why this suddenly appeared on my credit. I have never made any payments to this company, but someone has been who I do not know. XXXX XXXX refuse to give me information and referred me to speak to XXXX XXXX XXXX, a debt collection company. I reached out to them, and they can not validate the debt either, or give me information pertaining to the loan. I am a victim of fraud and I need this removed from my credit immediately.

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 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Between XX/XX/XXXX-XX/XX/XXXX of this year, an account from XXXX XXXX appeared on my Credit Report saying I am a co-signer on a Business Loan for XXXX XXXX XXXX. This Business is non existent. I am not affiliated with this company. I reached out to XXXX XXXX to get further information about this debt to see loan documents/and or Validation to see why this suddenly appeared on my credit. I have never made any payments to this company, but someone has been who I do not know. XXXX XXXX refuse to give me information and referred me to speak to XXXX XXXX XXXX, a debt collection company. I reached out to them, and they can not validate the debt either, or give me information pertaining to the loan. I am a victim of fraud and I need this removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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:
Between XX/XX/XXXX-XX/XX/XXXXof this year, an account from XXXX XXXX appeared on my Credit Report saying I am a co-signer on a Business Loan for XXXX XXXX XXXX. This Business is non existent. I am not affiliated with this company. I reached out to XXXX XXXX to get further information about this debt to see loan documents/and or Validation to see why this suddenly appeared on my credit. I have never made any payments to this company, but someone has been who I do not know. XXXX XXXX refuse to give me information and referred me to speak to XXXX XXXX XXXX, a debt collection company. I reached out to them, and they can not validate the debt either, or give me information pertaining to the loan. I am a victim of fraud and I need this removed from my credit immediately.

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 2019-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
I received telephone calls from a collection agency call Amcol not knowing what the debt was about because they refuse to give me any information in reference to whats being owe, scams of identity have already occur on my credit report and sent to wrong address. I file bankruptcy and all information is public record. Amcol say that they have information, what is it! I have been rebuilding my credit and with patience and paying on time XXXX XXXX score was XXXX was XXXX and XXXX XXXX now all three is below 622. I don't have a problem in paying what I owe just talk to me, without abusive behavior of threatening me, trying to intimidating because of the power the three bureau 's has given them over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
A few months ago In XXXX I think I received a letter from New Res that made me believe New Res was going to force me to buy a high priced Hazard insurance, so I sent them proof of Insurance from XXXX.they sent me letter telling our mistake about hazard insurance, but my escrow was short about XXXX XXXX dollars, so my mortgage was still going up XXXX XXXX a month.New Res has the worst reviews I've ever seen but what got me was their web sight will not let me sign in it claims my SS # is invalid.I will try to send attachments later.My new payments I believe are way out of line I also resent New Penn selling my mortgage when paid all mortgage notes on time sold to a collection agency of things.I agreed to the payment of XXXX by raising payments by XXXX dollars.Really hurts any kind of budget I might have had, When I had XXXX my escrow payments never went up, and my local taxes have not changed.I hope the dates are on the attachments. I feel like they ( New Res ) are trying to force me into a situation where I can be foreclosed on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I agreed to pay {$420.00} to National Credit Adjusters ( NCA ) who were representing XXXX XXXX. I agreed to make 3 payments of {$190.00} beginning XX/XX/19. I made an on time online payment on XX/XX/19 of {$190.00}, confirmation number XXXX. I made an on time online payment of {$190.00} on XX/XX/19 on XX/XX/19, confirmation number XXXX. However, NCA reported my payment as missed or late to XXXX credit reporting agency and my credit score plummeted more than 60 points. I filed a dispute with XXXX and they later wrote and told me that the creditor said it was correct. It is a flat out lie. I dont  know why NCA is trying to ruin my credit after I have agreed to their payment schedule and followed it to the letter. I will provide my bank statements to you as further proof. I would appreciate your further investigation of this matter. I will make the final payment of {$190.00} before or on XX/XX/19 as scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has some " Experian Boost '' service that tracks bill payments made through bank accounts. They say this can improve credit score. The morons over there failed to realize that there are bimonthly utilities charges in some areas of the world, and this service of theirs believes these payments to be late because they're not on monthly bill schedules. This has tanked my credit score.

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 2019-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I was denied for a loan modification review and this is in error. I was approved for a deferral of the payments I missed due to hurricane Michael which was a FEMA declared disaster. Select Portfolio Servicing committed to deferring the payments during the plan in the back of the loan but they failed to do it and thereby I fell behind. I am also a 100 % XXXX us XXXX veteran and feel they are violating my rights under the Fair Housing Act by not  recognizing my XXXX income for the review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: FL

Complaint narrative:
I reported all of these inquiries to the following Credit Reporting Agencies, XXXX XXXX and submitted info related to fraud on my account with the illegal use of my Social Security No., and asked that all of the hard inquiries be removed from my credit report, as these are impacting my credit score, and are being illegally reported on my credit report. 

However these Credit reporting bureaus have refused, and completely refused to remove these erroneous inquiries from my report. 

The following inquiries are on my report and these reporting agencies refuse to take them off. 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief