vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX already agree that they will delete it from all credit bureau and for some reason they are miss-reporting

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 2022-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
This account appeared on my credit report for an {$830.00} balance owed to someone. I have never been contacted by this company regarding any debt they purchased on behalf of anyone and since all my bills have been paid off, I do not owe anyone anything past due. This company failed to contact me with regard to any debt affording me the ability to dispute any invalid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: MD

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. Please see attached documents/ ID as it contains my full complaint and request. 

Attached you will see 2 FTC Identity Theft Reports as XXXX XXXX XXXX is reporting the same account across Equifax and XXXX but with two different account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
This medical collection is a result of fraud and XXXX has failed to block/delete this collection for the credit file within four business days of receiving the FTC identity theft report. XXXX has also failed to show proof that this medical collection is legitimate. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: GA

Complaint narrative:
The vehicle was stolen and never late. When I called the creditor agreed to clear the late payments for excellent pay history and good will. Since the vehicle was stolen and this was the end of the loan period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: ERC
State: GA

Complaint narrative:
The vehicle was stolen and never late. When I called the creditor agreed to clear the late payments for excellent pay history and good will. Since the vehicle was stolen and this was the end of the loan period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
I have a few paid in full closed accounts on my report that I would like to request to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have a few paid in full closed accounts on my report that I would like to request to be removed.

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 2022-01-09 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: TX

Complaint narrative:
This complaint is in reference to a letter I received from Equifax on XX/XX/XXXX in response to a complaint I submitted to the CFPB on XX/XX/XXXX. Case # XXXX. 
The letter in which is attached to this correspondence, states that they will not be conducting further investigation into the XXXXXXXX XXXX account # XXXX They also stated that the result of the previously submitted dispute will be sent in 30 days. making it a total of 120 days in order to conduct this investigation. 
Equifax is willfully violating the ( FCRA ) Fair Credit Reporting Act which clearly spells out that a credit bureau is required to respond to you and complete their investigation within 30 days. 
If they do not respond within that timeframe, they must remove the disputed item from your credit file. 
The law is in place to insure fairness and order. And this consumer reporting agency should not be allowed to fabricate their own rules. 
The response is a desperate attempt to cover up the fact that the law was broken. 

Equifax is one of the most unethical companies I have ever had the misfortune of dealing with. They have failed to validate their claims of reasonable investigation since my initial request. 
This behavior is a direct result of big companies outsourcing cheap labor and leaving the American people in the hands of undertrained and incompetent people with very little respect for the regulations set forth by our federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX reported a 30 day late payment on my credit for XX/XX/21 and this is not true. I disputed it directly with Transunion and included documentation directly from XXXX XXXX that shows the account was PAID IN FULL and closed prior to the account ever being 30 days past due and Transunion REFUSED to remove the derogatory 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 2022-01-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX already agree that they will delete it from all credit bureau and for some reason they are miss-reporting

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 2022-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
I applied for a refinance on my home as they pressured me into refinancing with a quote they have on record. The appraiser they chose appraised the value of 1/2 of what they have listed. Quicken denied my refinance and raised my payments by approx. {$50.00} a month. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, my loan, like many others was placed into forbearance because of the pandemic. Our business struggled mightily and barely survived, but we did manage. In XXXX or XXXX of XXXX, I was fine and tried multiple times to no avail to get LoanCare to reactivate my account so I could resume payments. They deactivated my online account making this impossible. They asked for paperwork to begin the process of a loan modification. I provided everything they asked for over and over again, but due to delays at LoanCare, they would come back to me every month asking for more paystubs, etc. Late XXXX, I received an offer for a XXXX  month repayment plan requiring me to pay over $ XXXX per month for XXXX  months. I explained this was not possible and was told I should do a loan modification. I told the person this was my intention all along, but there was no continuity between calls. I made dozens of calls and sent at least 40 emails to no avail. I finally reached someone ( I recorded the calls and told them I was doing so ) back in XXXX who said they understood and would get things situated. I had to start over at that time with paperwork sending them absolutely every document again. In early XXXX, I received a letter that LoanCare had everything they needed to process my application. Today, I received a letter ( just got it today though it was dated XX/XX/XXXX ) that I was being placed in a six month repayment plan and would need to pay {$10000.00} per month for six months. I don't even begin to make that much money per month. I am at a loss at this juncture. I am a XXXX  XXXX  Veteran, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've dedicated my life to serving others and I worked very hard to get to the place I am now. I've done everything they have asked for, but it seems this is not enough. I don't know who to turn to and hope that someone can help me get to the bottom of this situation. Please feel free to reach out for additional information. I understand there is at least one class action law suit against LoanCare and their online reviews are terrible. I have to believe I am not the only one going through this.

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 2022-01-09 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: IN

Complaint narrative:
Experian, XXXX and XXXX all have been grossly negligent in handling my accounts with XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX. This situation is a big ball of confusion if you take a simple glance at the letters received from XXXX and XXXX. 
I have been damaged for years with this company on listed my consumer credit report, with the assistance of the consumer credit agencies. I have decided to take additional measures with this matter. I have asked for debt validation and most times XXXX XXXX XXXX would send me a copy of the negotiable instrument that I signed. In their reply they said they bought a defaulted loan. The credit agencies would continue to send their generic responses or nothing at all. UCC 3-603 is clear about the Tender of Payment and UCC 3-311 is clear about Accord and Satisfaction by use of instrument. I signed a negotiable instrument, if there is any problem, mail me the original note and application back. If not, I demand my account is updated, current, no missed payments and placed in a paid in full status. I have sent XXXX XXXX XXXX affidavits of fact that were not rebutted point for point, nor have they responded to any if my demands that they sign and swear that their statements are true under penalty of perjury. The most recent letter I received from XXXX XXXX dated XX/XX/2021, I was notifying me that they had sold, transferred or conveyed my account over to XXXX. In XX/XX/2021, I demanded that the CEO, Executive Director XXXX XXXX Validate the " alleged debt '' under penalty of perjury, instead his attorney, XXXX XXXX XXXX responded but still did not do as I demanded in my letter or affidavit. I also demanded in that letter that my information not be sold, transferred or conveyed to any other parties. 
I

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 2022-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: PA

Complaint narrative:
I recently received a copy of my Experian, XXXX and XXXX consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 
XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 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 2022-01-09 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: KY

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: MN

Complaint narrative:
The XXXX XXXX XXXX XXXX accounts thats currently listed on my Experian credit report are fraudulent accounts and not my account. The 2 accounts do not belong to me. XXXX sent notification to Experian and XXXX XXXX regarding the 2 accounts being fraudulent accounts. Review the attached documentation. I never applied for any loan with 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 2022-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Regarding Target XXXX XXXX. 

I changed banks for my personal checking. My autopay with Target would not allow me to change the account because it was too close to the due date. I therefore paid the entire balance of the statement on XXXX. My bank statement and their own statement confirm a {$0.00} balance on XXXX. Despite this, they ran the autopay to the now closed account. This of course resulted in a decline of charges, and the Target XXXX charged me a {$28.00} fee for returned payment. 
I called, and the reps ( 2 ) both agreed that on the date of autopay, no money was due. However no one will refund the {$28.00}. This is fraud. Autopay is not suppose to run if no money is due. They made a mistake, and although they admit to it, I am being held to pay for their mistake. 

Attached you will find my XX/XX/2021 Statement with a balance of {$33.00}. You will also find my XX/XX/2021 Statement showing {$33.00} paid XXXX. Then there is an autopay for {$28.00} on XXXX. This is the amount in dispute, because on that date, there was no money due, as the statement had been paid, and autopay should not have been run. 

I know this is a small amount of money, but it is the principle. I do not owe this. 
I have paid all but the {$28.00} and cancelled my Target XXXX. I just need help to reconcile this issue, which I have refused to pay. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im unable to place or remove a security freeze on my credit file and XXXX XXXX XXXX is unable to check my credit report and told me there is a freeze on my file and my Equifax account has a glitch issues and it needs to be addressed and fixed I cant add a freeze and remove it off my file I dont have a freeze right now but XXXX XXXX XXXX said my Equifax credit report is frozen on there end.. I need have this glitch fix on my Equifax membership

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.

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 2022-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD BANK USA/TARGET CREDIT XXXX XXXX XXXX XXXX MN
XXXX

 HAS BEEN SENDING ME CHARGEOFF NOTICES IN THE AMOUNT OF $2358.00. THE CHARGEOFF HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im unable to place or remove a security freeze on my credit file and XXXX XXXX XXXX is unable to check my credit report and told me there is a freeze on my file and my Equifax account has a glitch issues and it needs to be addressed and fixed I cant add a freeze and remove it off my file I dont have a freeze right now but XXXX  XXXX XXXX said my Equifax credit report is frozen on there end.. I need have this glitch fix on my Equifax membership

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: PA

Complaint narrative:
I recently received a copy of my XXXX, XXXX and Transunion consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 
XXXX XXXX XXXX - XX/XX/XXXX 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 XXXX - XX/XX/XXXX 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 explanation
Consumer complaint received 2022-01-09 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: PA

Complaint narrative:
I recently received a copy of my XXXX, Equifax and XXXX consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 
XXXX XXXX XXXX - XX/XX/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

Company response to consumer: Closed with explanation