vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I have disputed this particular account numerous times with the credit bureaus and they keep listing it as verified. I have sent debt validation letters and spoke with them via telephone and no avail. I asked for to see contract with my signature and was sent documents unrelated to this. Across the board each of the bureau are not in unison. The entire account is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I have reached out to this company on several occasions asking for verification as to how I owe this company. They have yet to provide debt validation and They are reporting a balance when it is reporting as a charge off I offered to payoff the debt after validation but they are always rude in their responses. They have two accounts reporting that I owe and when I called about them they said they no longer have the debt that it was sold to another company so why is it still reporting monthly as a c/o? I am requesting that both accounts be validated or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
MY CONSUMER REPORTS ARE BEING USED BY ALL 3 CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. I RECENTLY RECEIVED MY CONSUMER REPORTS AGAIN AND THEY ARE STILL REPORTING UNAUTHORIZED ACCOUNTS THATS VIOLATING MY RIGHT TO PRIVACY AND DAMAGING MY REPUTATION AND THIS IS NOT FAIR TO ME. ITS ALMOST IMPOSSIBLE FOR ME TO GET A LOAN OR APPLY FOR A NEW JOB WITH THESE ITEMS ON MY CONSUMER REPORTS. PLEASE HELP ME WITH THIS MESS, I AM AT MY WITS END WITH THESE CONSUMER REPORTING AGENCY CROOKS. THEY REPORT OUR INFORMATION WITHOUT WE THE PEOPLE EVEN KNOWING ABOUT IT AND THAT IS NOT FAIR US! ITS VERY DIFFICULT ENOUGH TO SURVIVE WITH THIS CORONAVIRUS PANDEMIC GOING ON. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING OPPRESSED. I NEED HELP WITH THIS, ITS BEEN OVER 30 DAYS AND SINCE I DISPUTED THE UNAUTHORIZED ACCOUNTS AND THEY HAVEN'T RESPONDED.

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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
MY CONSUMER REPORTS ARE BEING USED BY ALL 3 CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. I RECENTLY RECEIVED MY CONSUMER REPORTS AGAIN AND THEY ARE STILL REPORTING UNAUTHORIZED ACCOUNTS THATS VIOLATING MY RIGHT TO PRIVACY AND DAMAGING MY REPUTATION AND THIS IS NOT FAIR TO ME. ITS ALMOST IMPOSSIBLE FOR ME TO GET A LOAN OR APPLY FOR A NEW JOB WITH THESE ITEMS ON MY CONSUMER REPORTS. PLEASE HELP ME WITH THIS MESS, I AM AT MY WITS END WITH THESE CONSUMER REPORTING AGENCY CROOKS. THEY REPORT OUR INFORMATION WITHOUT WE THE PEOPLE EVEN KNOWING ABOUT IT AND THAT IS NOT FAIR US! ITS VERY DIFFICULT ENOUGH TO SURVIVE WITH THIS CORONAVIRUS PANDEMIC GOING ON. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING OPPRESSED. I NEED HELP WITH THIS, ITS BEEN OVER 30 DAYS AND SINCE I DISPUTED THE UNAUTHORIZED ACCOUNTS AND THEY HAVEN'T RESPONDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: NC

Complaint narrative:
Experian is reporting via 3rd Party ( reported to be XXXX ) a Chapter XXXX Dismissed Bankruptcy allegedly report to be in XXXX, XXXX. I contested this reporting directly with Experian in writing ( XX/XX/XXXX ) and they responded that it was reported by a 3rd Party ( XXXX ) to them. I then filed a Complaint ( XX/XX/XXXX ) in writing directly with XXXX after being told this was the reporting 3rd Party by Experian. Initially they gave me the " round around '' asking for identifying personal information that they had already been provided. I provided this info again as well as filed a Complaint ( XX/XX/XXXX attached ) against them with the NC Attorney General 's Office Consumer Protection Division. XXXX then responded that the contested Bankruptcy information had been deleted from my file with them. I then in writing ( XX/XX/XXXX ) relayed that information along with another contest of the reporting t Experian and included the document ( attached ) from XXXX stating that the Bankruptcy filing had been removed from my file with them. Experian as a result started a " new '' Dispute investigation and on XX/XX/XXXX notified me that it was complete and the the 3rd Party had " verified '' the Bankruptcy information. That's not true or possible as XXXX themselves verified in writing that the information had been removed from their files just two weeks earlier. 

In addition the Federal Bankruptcy Clerk of Court as per US Bankruptcy Court Policy does not verify or report bankruptcy cases to any credit bureau 's or other such 3rd Party 's.

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 2021-10-15 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: PA

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : 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, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
OnXX/XX/2021 I sent a letter regarding inaccurate and late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate, late payments and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

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 2021-10-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: NC

Complaint narrative:
U.S. Department of Education, I write this letter today to express my dismay when it comes to the information that is displayed on my current credit file. 

As stated by your website and others, your organization is known for their ability to help resolve issues revolving around matters, similar to this one. 
The dispute in question is based on paperwork that is obviously sent directly from Mohela, a small college that my daughter attended back in XXXX XXXX XXXX 

The letter states that the balance has been differed until XXXX, but yet my current credit report plainly shows a balance that is premature as well as misquoted. 

The balance for XXXX is {$7300.00} The balance for XXXX  is {$6000.00} And the balance XXXX  is {$9000.00} But if you look at my credit file as listed below There are a number of mathematical oversights. 

The amount for XXXX  is stated as {$10000.00} on my credit file but, the paperwork provided by Mohela states {$9000.00} A difference of {$1400.00} ________________________________________________________ The amount for XXXX  is stated as {$7200.00} on my but, the paperwork provided by Mohela states {$7300.00} A difference of -96.00 lower amount altogether If the interest is growing, then how is the amount lower at this point. 
________________________________________________________ The amount for XXXX  is stated as {$6000.00} on my but, the paperwork provided by Mohela states {$9500.00} A difference of {$3500.00} lower amount altogether And Strangely enough the amounts listed appeared on my credit score less than a month ago. 

XX/XX/XXXX. 

Where as the paperwork that states the approved deferment is dated XX/XX/XXXX. 
The deferment was granted no more than a year ago. 
A possible oversight perhaps, but the misquoted amounts lead me to believe that it is more than just a behind the scenes mistakes. Possibly a non procedural way of taking advantage of their students. Being her father my concern has been heighten. 
I am now blowing the whistle as a Concerned parent as to the treatment of my credit file as well as daughters credit file. 

A huge over sight when dealing with specifics. 
As you can plainly see there are a number of inconsistencies that have affected my credit file. 

At this point I am officially requesting help on this subject matter based on the difficulties that are presented. It is like arguing with an entity that does readily understand their own paperwork, as if to say a roundabout figure may just apply, when credit repayment is a business of exacts. 
To reintegrate According to their paperwork the first payment is not due until XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX and XXXX XXXX  made 9 unauthorized charges to my Capital One Checking account. These transactions occurred from XX/XX/21 at XXXX hours to XX/XX/21 at XXXX hours. Two of the transactions were for {$1.00}, and seven were for {$1.00}. The debit card that was used for these transactions has never been used by me and has always been kept under lock and key, thus it is likely that a data breach at the bank is how my debit card numbers were likely obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: PR

Complaint narrative:
To whom this may concern I have contacted XXXX XXXX  XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards XXXX XX/XX/XXXX I spoke again to a different representative to try to get this resolved.

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 2021-10-15 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: PR

Complaint narrative:
To whom this may concern I have contacted XXXX XXXX  XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards Today XX/XX/XXXX I spoke again to a different representative to try to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: PR

Complaint narrative:
To whom this may concern I have contacted XXXX XXXX  XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards Today XX/XX/XXXX I spoke again to a different representative to try to get this resolved.

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 2021-10-15 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: PA

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : 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 XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX AXXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Terrible company. 
Asks for unnecessary paperwork and tried to do bait and switch. Tried refinancing a home mortgage from 15y 2.1 % to ally for 30y 2.625 % o. A home appraisal by them $ XXXX equity and they have me looped into papers after papers making it impossible unless j give extra fee etc. Managers and e elusive teams all frauds- this bank should be closed for bait switch and harassment

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 2021-10-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NY

Complaint narrative:
I've been trying to apply for a NACA mortgage with excellent credit no bills and income it seems like I'm being discriminated against. I've been trying to get approved since XX/XX/XXXX and I'm constantly having problems with my mortgage counselor not responding even when I meet all the conditions that is asked of me. I included my situation in detail in the pdf

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
OnXX/XX/2021 I sent a letter regarding inaccurate and late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate, late payments and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX Dear CFPB, I have been disputing with Trans Union for over 7 months now trying to remove some illegal and unauthorized inquiries from my credit report. All I get in response is something like this : The information you disputed has been received. The results are : Inquiries are a factual record of file access and will remain on the Trans Union Credit File two years from the reported date of the inquiry ( see section Trans Union reply to inquiry removal but what if those inquiries are illegal and unauthorized? Dont inquiries need to be verified just like accounts? I know that the inquiries werent verified because of the time frame from when they received my disputes and their reply back, it is like 3 days, too quick for verifying data, to me. 

That being said let me say I want the following inquiries deleted from my credit report for a few violations that Trans Union has committed. I want Trans Union to delete these inquiries for violation because they ( Trans Union ) are still continuing to report these inquiries without ever verifying them in the last 7 months and I want Trans Union to delete these inquiries for violation because these inquiries obviously do not meet the FCRA guidelines of having a FIRM offer of credit, employment, insurance or a court order. 

The following is a list of inquiries that need to be deleted from my credit file : 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 Again here are the violations being committed by Trans Union when they dont delete the inquiries above in the list : - They ( Trans Union XXXX are continuing to report these unverified, illegal and unauthorized inquiries without ever verifying them. 
- These inquiries do not meet the FCRA guidelines of having a FIRM offer of credit, employment, insurance or a court order. Delete for violation. 

- Failing to provide documentation and method ( s ) of verification when asked for within the 30 day time allotted window ( see letter dated XX/XX/XXXX and letters dated XX/XX/XXXX ). 

- Failure to do an investigation and an independent re-investigation ( see Letter dated XX/XX/XXXX ). 



Thank you, XXXX XXXX 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