vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 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:
Hello as you can see I keep my credit good. Collection agencies put information that belong to me. I contacted them but they refused to listen to me and called my job. Its weird how they all did the samething. please remove this from my credit. its not mines XXXX  XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$780.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1100.00} XXXX  XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX  XXXX Reported : XX/XX/2020 {$55.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1100.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$780.00}

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 2020-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
wasn't aware of owing any creditor as i check my credit report frequently. On XX/XX/2020 i went to withdraw some money from my account and my balance was {$0.00} on checking and my savings so i went into the bank and was told that the law office of Harris & Zide had a judgment against and was allowed to take money from my accounts. So I called XX/XX/2020 spoke with a gentleman asking why did they take my money he then asked for my last for of my social I gave to him. He then said yes I owed money so I replied to who do I owe money to how much and what is the company name that I apparently owe money to he then said hold, but hung up on me. I then called back no answer so I called repeatedly and no answer. I did get a copy of the Judgement and everything that shows for my current Information is incorrect except my social security #, So I was never given or even mail me a judgment so I could respond. The address noted on the judgment is not my address there is no ph # for me so I do not understand how they got away with taking someone's money like that no up to date or current info. I just lost my XXXX-year-old son he was XXXX  and the money in my savings was money i had saved and collected to XXXX  my son so you can imagine what I'm going through having to deal with something that has nothing to do with me as far as I can see. They have violated my rights in every way this is unjustifiable, recklessness on their part and should not be practicing as a lawyer. How many other consumers have they done this to most likely no one has spoken or made an attempt to file a complaint because they are a lawyer so the consumer gets scared. well, i demand that they suspend their license for knowingly Intentionally taking advantage of a consumer who they most likely thought would not take this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: NY

Complaint narrative:
TO WHOM IT MAY CONCERN THIS DOES BELONG TO ME. I NEED HELP TO GET THIS REMOVED FROM MY CREDIT. I NEED HELP. THEY ARE BOTHERING ME, THEY DONT STOP CALLING WHEN I SAY STOP XXXX  XXXX Reported : XX/XX/XXXX {$700.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$180.00} XXXX  Reported :XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00}

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 non-monetary relief
Consumer complaint received 2020-01-27 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: NY

Complaint narrative:
TO WHOM IT MAY CONCERN THIS DOES BELONG TO ME. I NEED HELP TO GET THIS REMOVED FROM MY CREDIT. I NEED HELP. THEY ARE BOTHERING ME, THEY DONT STOP CALLING WHEN I SAY STOP XXXX  XXXX  Reported : XX/XX/XXXX {$700.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$180.00} XXXX  Reported : XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00}

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 2020-01-27 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: NY

Complaint narrative:
TO WHOM IT MAY CONCERN THIS DOES BELONG TO ME. I NEED HELP TO GET THIS REMOVED FROM MY CREDIT. I NEED HELP. THEY ARE BOTHERING ME, THEY DONT STOP CALLING WHEN I SAY STOP XXXX  XXXX  Reported : XX/XX/XXXX {$700.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$180.00} XXXX Reported :XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I, XXXX XXXX is disputing the balance of {$3000.00} I owe on this account. Also, incorrect reporting to the credit bureaus in regards to amount and reporting " Charge-Off '' status every month. 

XX/XX/XXXX and XX/XX/XXXX are your last correspondence to me which states 'all of your reporting 's to the credit bureaus are correct. '' I disagree. 

Please stop harassing me with collection calls/letters and defaming my credit and FICO score by reporting to the Credit Bureaus Charge Off and incorrect amount every month to my account as of XX/XX/XXXX. Charge Off is only to be reported once. 

I have been trying to resolve this matter with Capital One for approximately a year via phone and via credit bureau disputes. 

Capital One informed me via phone that it was illegal for Capital One to  accept a payment from me until Capital One corrected the errors on my credit report. The Capital One employee stated she would file a credit bureau dispute. Instead I received collection letters and calls with threatening law suits. 


This unresolved matter : 1. Has interfered with me in purchasing a home and an automobile as a creditworthy customer 2. Lowered my creditworthiness and FICO score. 



To assist me in resolving this matter : 1. Im writing to request a copy of my Capital One Statements for the above account XX/XX/XXXX-XX/XX/XXXX. 

2. Please inform me of Capital Ones charge off policy. How many months does Capital One wait before a delinquent account is charged off? 

3. Does Capital One have a Hardship Policy? If yes, what are Capital Ones guidelines? 

I previously requested a hardship due to my unforeseen loss of 50 % income, from the death of my mother and my brother. Twice within two months I had to travel to New York with Funeral, Hotel, Food and Transportation expenses. I was denied by Capital One. While all of my other creditors enrolled me into their hardship program. 

I have been a credit card holder with Capital One in excellent standing for at least fifteen years. 



Sincerely, XXXX XXXX CC : Three Credit Bureaus Consumer Federal Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was in a accident in XXXX. I have loan with XXXX  XXXX. They have no remorse for there customers. Im trying to refinance my car to go to another bank but I cant because I was reported late to the credit bureaus. This is a severe situation. I believe there ploicy is to keep you with them. I pleaded with severe hardship.I lost an XXXX  and Im so distaught my family is to I need help please I need the XXXX late removed please

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 2020-01-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was in a accident in XXXX. I have loan with XXXX  XXXX. They have no remorse for there customers. Im trying to refinance my car to go to another bank but I cant because I was reported late to the credit bureaus. This is a severe situation. I believe there ploicy is to keep you with them. I pleaded with severe hardship.I lost an XXXX and Im so distaught my family is to I need help please I need the XXXX late removed please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was in a accident in XXXX. I have loan with XXXX  XXXX. They have no remorse for there customers. Im trying to refinance my car to go to another bank but I cant because I was reported late to the credit bureaus. This is a severe situation. I believe there ploicy is to keep you with them. I pleaded with severe hardship.I lost an XXXX and Im so distaught my family is to I need help please I need the XXXX late removed please

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 2020-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, XXXX XXXX is disputing the balance of {$3000.00} I owe on this account. Also, incorrect reporting to the credit bureaus in regards to amount and reporting " Charge-Off '' status every month. 

XX/XX/XXXX and XX/XX/XXXX are your last correspondence to me which states 'all of your reporting 's to the credit bureaus are correct. '' I disagree. 

Please stop harassing me with collection calls/letters and defaming my credit and FICO score by reporting to the Credit Bureaus Charge Off and incorrect amount every month to my account as of XX/XX/XXXX. Charge Off is only to be reported once. 

I have been trying to resolve this matter with XXXX XXXX for approximately a year via phone and via credit bureau disputes. 

XXXX XXXX informed me via phone that it was illegal for XXXX XXXX to accept a payment from me until XXXX XXXX corrected the errors on my credit report. The XXXX XXXX employee stated she would file a credit bureau dispute. Instead I received collection letters and calls with threatening law suits. 


This unresolved matter : 1. Has interfered with me in purchasing a home and an automobile as a creditworthy customer 2. Lowered my creditworthiness and FICO score. 



To assist me in resolving this matter : 1. Im writing to request a copy of my XXXX XXXX Statements for the above accountXX/XX/XXXX-XX/XX/XXXX. 

2. Please inform me of XXXX XXXX charge off policy. How many months does XXXX XXXX wait before a delinquent account is charged off? 

XXXX. Does XXXX XXXX have a Hardship Policy? If yes, what are XXXX XXXX guidelines? 

I previously requested a hardship due to my unforeseen loss of 50 % income, from the death of my mother and my brother. Twice within two months I had to travel to New York with Funeral, Hotel, Food and Transportation expenses. I was denied by XXXX XXXX. While all of my other creditors enrolled me into their hardship program. 

I have been a credit card holder with XXXX XXXX in excellent standing for at least fifteen years. 



Sincerely, XXXX XXXX CC : Three Credit Bureaus Consumer Federal Protection Bureau

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 2020-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My SSN brings up a false name and account information for another person that they have linked to me. The other credit bureaus are showing accurate information but Transunion is false and it is causing massive problems in obtaining and using any sort of credit including mortgage, credit cards, and other loans. They will not allow me to speak to them to file a dispute because they can not verify my identity due to the error. After 30+ phone calls to Transunion , other credit bureaus, other bank and creditors that hold accounts, including calls to the fraudulent person 's mortgage company confirming the debt that is being listed on the report is not associated with my SSN. I was told I need to mail in all of my personal information including SSN card and 2 forms of proof of my address. In addition I included statements of accounts, other credit reports showing accurate information, driver 's license, birth certificate, lease agreements, and lists of accurate accounts. 

XX/XX/2020 I mailed all of this information to them. On XX/XX/2020, I received a letter stating that they updated my address to be associated with the wrong person, removed one of the bank accounts that were pulled under, but ultimately could not do anything further as their data furnisher somehow proved that this information was accurate. 

Not only are they refusing to update the records to accurately reflect my credit, they have also now given me all of the credit information to this other person including his full name, all of the addresses he's ever been associated with him, all of his credit information including balances, account numbers, and where current accounts are being held.

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 2020-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ASTA FUNDING INC.
State: CA

Complaint narrative:
wasn't aware of owing any creditor as i check my credit report frequently. On XX/XX/2020 i went to withdraw some money from my account and my balance was {$0.00} on checking and my savings so i went into the bank and was told that the XXXX XXXX XXXX XXXX XXXX XXXX had a judgment against and was allowed to take money from my accounts. So I called XX/XX/2020 spoke with a gentleman asking why did they take my money he then asked for my last for of my social I gave to him. He then said yes I owed money so I replied to who do I owe money to how much and what is the company name that I apparently owe money to he then said hold, but hung up on me. I then called back no answer so I called repeatedly and no answer. I did get a copy of the Judgement and everything that shows for my current Information is incorrect except my social security #, So I was never given or even mail me a judgment so I could respond. The address noted on the judgment is not my address there is no ph # for me so I do not understand how they got away with taking someone's money like that no up to date or current info. I just lost my XXXX-year-old son he was XXXX and the money in my savings was money i had saved and collected to bury my son so you can imagine what I'm going through having to deal with something that has nothing to do with me as far as I can see. They have violated my rights in every way this is unjustifiable, recklessness on their part and should not be practicing as a lawyer. How many other consumers have they done this to most likely no one has spoken or made an attempt to file a complaint because they are a lawyer so the consumer gets scared. well, i demand that they suspend their license for knowingly Intentionally taking advantage of a consumer who they most likely thought would not take this further.

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 2020-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
To whom it may concern : I am experiencing credit reporting fraud and financial fraud from my current lender PHH mortgage, housed under XXXX XXXX XXXX. I have been referred to an off-shore call center " case-manager '' since XX/XX/2019. Following all rules for their home loan re modification program, I paid as agree X6 months of partial payments in order to qualify. As of XX/XX/2019, I was inform that the trial payment period had ended and I had been approved for a home loan excluding the Melaroose charges previously embedded in my original FHA loan, this maintained my monthly payment at {$1600.00} of which I have paid consistently since XXXX of the finalized and signed agreement. Although I have been told that the new modification agreement has been accepted, I have been told that my loan is still not " finished ' and " awaiting on the investor ''. Although I was told, that my credit would only be affected for the period during the trial modification application, my credit report has received negative credit reporting for over a year. This has affected my ability to receive credit to pay medical bills, finance my car loan at reasonable rate, causing me to take out even larger loans with higher interests rates in order to pay for childcare. PHH mortgage has not followed up on my inquiry nor has offered any solution or END to destroying and damaging my credit, despite representatives on the phone promising to " reverse '' the negative credit reporting. Instead of helping my as a client, PHH Mortgage is destroying my families financial well being and also causing stress and hardship. This is the end inquiry made to the CFPB and over a year of attempting to resolved this issue directly with the company. As a hard-working XXXX XXXX  XXXX, I feel so abused and taken advantage of by this company which insists on cashing my checks every month without any regard to cleaning up their mess as it pertains to this loan or the credit damage that they have caused my family. Please rectify this immediately, this criminality and unethical behavior must stop now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Fidelity Credit Card has been advised by the vendor on a contested charge that they are willing to close out the challenge for {$3200.00}. The vendor XXXX XXXX XXXX has sent me an email and there is a open case for this to be resolved through Fidelity Credit Card. Over the last two months I have had several problems with XXXX XXXX XXXX. The credit card company agreed to settle the issue and I have requested a new analyst as the present analyst. XXXX has not been removed from my investigation regardless of the commitment from management and he doesn't look at documents and understand that when a customer is promised something and not provided the item as described then this means the product is not the same as what was promised. The lack of assistance from the representative was the reason I have escalated and continue to complain about Fidelity Credit Card. They have issued no less than 6 credits back to me in form or checks, credits to my account and now they have a mess on my account showing that I owe them money and along with it a problem where they will charge me as a cash with interest. They have sent me over {$5800.00} in the last week and now we are faced with yet another issue on the billing. Please help me as they have made my account not available online and must wait for them to give me access to account. They will not provide the statement until XX/XX/2020.

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 2020-01-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got 3 new different hard inquiries on my credit report on XX/XX/2020 from companies that I do not recognize. Considering that I did not ask for any loan or credit in the last year I would like to know why is these inquiries for cause I do not want these hard inquiries to affect 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