vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I used the forbearance plan with freedom mortgage. The whole time they told me that there would no fees. I was placed in what I thought was a government loan repayment which I was told it would just go to the end of the loan. They sent a letter saying I was denied, when I called they said the had started an application and was just using my old info and they never sent me anything. They said I dont need to send anything in. Freedom mortgage said they lowered my payment to {$1800.00} a month with a modification to my loan. I thought great. When I revived the paperwork it had a XXXX XXXX lien that would be added to my house. They never told me that, would happen and now they are jerking me around, and if I dont sign they could force me to foreclose in my house by making me pay everything back at once. 
I have documents stating that no fees would be charged. They are also giving short turnaround date and if you miss it then they think you will pay everything at once. 
There is more also. I wonder how many people are they doing this too? Or people who dont read there documents and are trusting them to do the right thing. 
Freedom mortgage is trying to intentionally take peoples homes. 
Thank you

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 2021-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX I XXXX Date Opened : XX/XX/2019 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: TN

Complaint narrative:
Loan was charged off on XX/XX/XXXX. On XX/XX/XXXX settlement agreement was signed. Payments were paid until agreement paid. Company. Did not adhere to agreement and was continuously inaccurately reporting account to experian stating that the were. Due to a recent complaint to CFPB complaint XXXX number. They changed the report to reflect late payments from XX/XX/XXXX until XX/XX/XXXX. Payments under a settlement contract are contracted payment amount. FromXX/XX/XXXX until XX/XX/XXXX payments were being made each month on time by settlement contract. Due to continued inaccurate payment reporting and failure to comply with settlement agreement on how to report this account should me removed. I have also been accrued monetary lost due the inaccurate credit reporting due its affect on my credit score due to inaccurate 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 2021-11-19 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. DELETE the following accounts below : ( 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 2021-11-19 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: CA

Complaint narrative:
I called Experians fraud dispute department on XX/XX/2021, around XXXX XXXX. XXXX. I spoke to a male agent by the name of XXXX. After I was fully authenticated, XXXX indicated I had an Experian membership and asked for my two security question answers : 1. What street did I grow up on? 2. What is my XXXX PIN? XXXX indicated I answered both questions correctly and proceeded to the dispute process. I requested to dispute an inaccurate address on my credit report. I also requested to dispute an inaccurate notice that indicated my address is associated with a business. I dont live at that address and I dont have a business. The address is not deliverable to me by the U.S. Post Office, and is not reportable as per the FCRA since they are inaccurate. I informed XXXX that I have lived at my current address for more than two ( 2 ) years. XXXX refused to file a dispute on the inaccurate address. XXXX also refused to file a request to remove the notice indicating the inaccurate address is associated with a business. I told XXXX I dont have a business and never used a residential address as a business address. XXXX continued to interrupt me and then refused to file any disputes. XXXX said my voice sounded familiar and he doesnt have to file my dispute. I successfully passed any and all of XXXX security questions and am entitled to file disputes on inaccurate, erroneous and unverifiable items pursuant to the FCRA. I indicated I have a valid police report and XXXX said that doesnt matter. I then asked XXXX for the name of his team, the name of his supervisor and what state or country his call center is located. XXXX refused to answer my questions and then disconnected the telephone call. I am maintaining a careful record of my communications with Experian for purpose of filing a complaint with my Attorney Generals office and Federal Trade Commission. Experian is in violation of federal law for your willful non-compliance as you have now violated federal law by not properly investigating inaccurate reporting. Criminal and civil claims will be pursued.

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 2021-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX  XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: IN

Complaint narrative:
I have continued to demand and dispute account # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX with the credit reporting agencies Transunion XXXX XXXX XXXX and I have asked for proof of the contract signed by me as well as the purchase agreement. The above debt collection company has only sent a itemization from their on database. On both credit reports it shows a balance of {$730.00}. No original credit limit. I have never had or ever been offered a card with a uneven credit limit. This amount is not accurate and is more of a nonsense unfactual amount. It is the responsibility of all the reporting agencies to report 100 percent accurate information. They are not doing this and this is causing me financial hardship and stress for me and my family at a time when the whole world is in turmoil. These reporting agencies have continued to allow XXXX XXXX XXXX XXXX XXXX bully me by changing up information on my reports such as recent 30 to 120 day late updates on my file to further damage my reputation. I have disputed these these facts with the company and the credit reporting agencies XXXX, Transunion. They are allowing this company to use unfair reporting tactics and I know that if they really did a full proper investigation they would find that I have no contract with this company and they can not show me how I they came up with a alleged amount of {$730.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX. I do not consent to XXXX  verification. Capital One Bank furnished inaccurate information to credit reporting agencies. No consent by definition is identity theft. I extended Capital One Bank no consent, permissions or authority to share/sell/trade my personal non public information. I have suffered direct losses and have struggled significantly as a consumer directly due to the misinformation and defamations furnished erroneously by Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
i tried disputing this saying its not mines it doesn't belong to me amd they haven't supplied me proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I was entered into a consumer transaction with American Express where my social security number was used to receive credit. I the consumer received this credit/credit card and was given the right to used this card with no limit. I have been using this card for some time now for approximately 3-4 years. With my posted charges reaching up to {$19000.00} at some points. I have never been negligent in paying my bill. I reached out to American Express to increase my card limit because numerous times they would decline charges I would make because they said it was past my limit. even though they marketed this card as a no limit card. after reteaching out to American Express to increase the limit or for them to start declining the card they stated that I need to submit bank statements. which I did. after submitting bank statements I received an adverse action letter from American Express saying they took action on my account. and they were changing my account from its original standing to a preset limit of XXXX this is in direct violation of 15 U.S.C 1691 ( D ) ( 6 ) & 12 CFR 202.9 ( B ) ( 1 ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is XXXX as reported. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. DELETE the account listed : ( XXXX XXXXXXXX FIN XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently applied for a Capital One XXXX  card on XX/XX/XXXX. Upon approval, I discovered that someone else had already made a Capital One credit card on XXXX XXXX, XXXX using my full name and created a fake username and used their phone number instead. I do not have any knowledge of this person or account but I would like to close this account entirely, correct my credit score, and create a new account using my real information. Whoever opened the account has not been racking up debt, but I believe this is misleading credit bureaus that inquire about my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NY

Complaint narrative:
My name is XXXX XXXX. I do not consent to e-oscar verification. XXXX XXXX XXXX furnished inaccurate information to credit reporting agencies. No consent by definition is identity theft. I extended XXXX XXXX XXXX  no consent, permissions or authority to share/sell/trade my personal non public information. I have suffered direct losses and have struggled significantly as a consumer directly due to the misinformation and defamations furnished erroneously by XXXX XXXXXXXX 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 2021-11-19 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: NY

Complaint narrative:
My name is XXXX XXXX. I do not consent to e-oscar verification. XXXX XXXX XXXX furnished inaccurate information to credit reporting agencies. No consent by definition is identity theft. I extended XXXX XXXXXXXX XXXX  no consent, permissions or authority to share/sell/trade my personal non public information. I have suffered direct losses and have struggled significantly as a consumer directly due to the misinformation and defamations furnished erroneously by 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 2021-11-19 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Please " Remove '' the account for it is damaging my report, which would not be happening if Equifax investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NJ

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please update this account accordingly : ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NJ

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in TrasUnion. Lets correct this immediately. TransUnioin is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please update this account accordingly : ( 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 2021-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I received a collections notice for medical services when I have NO outstanding debts. I had surgery in XXXX of this year and was Required to pay my portion UPFRONT before services could be rendered. The total amount paid was {$2100.00} by credit card broken up in 2 payments ( First payment made on XX/XX/XXXX in the amount of {$740.00} and Second payment made on XX/XX/XXXX in the amount of {$1400.00} ). Surgery was performed on XX/XX/XXXX. 

I had to speak with a medical account manager to confirm this amount and to provide them proof that I had already paid my surgery physician, again prior to surgery.

Surgery would NOT be perform without me paying upfront. I was given a refund just last month due to over payment. This is a fraudulent collection attempt. THIIS IS NOT MY DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NV

Complaint narrative:
I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I think I paid on time. This just proves that EXPERIAN Credit Bureau lacks proper record keeping. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts 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 2021-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX AUTO - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax SYNCB/LOWE XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation