vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 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 WANTED TO BUY MY XXXX YEAR OLD SON A NEW CAR FOR HIS BIRTHDAY. I GOT MY CREDIT PULLED AT THE DEALERSHIP. THERE WAS STUFF ON MY CREDIT THAT I HAVE NEVER SEEN BEFORE. PLEASE REMOVE THESE THINGS FROM MY CREDIT

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and Experian Senior General Counsel XXXX XXXX admonition in writing the mixing of my credit information with other creditors through data-file sharing agreement between XXXX and XXXX granted known XXXX marketer XXXX access to my PII through data-sharing agreement. Thus such security lapse provided ( " XXXX '' ) XXXX XXXX XXXX XXXX XXXX Enforcement to unlawfully obtain and share my ( PII ) resulting in the misappropriation of my image, biographical facts ; name, likeness ; identity and good name which XXXX been unjustly enriched. XXXX violated XXXX XXXX,XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX failure to protect and safeguard my ( PII ) and XXXX XXXX XXXX XXXX , Subchapter XXXX, sections XXXX   protect the disclosure of Non-Public Personal Information violated my protected rights under Fourth Amendment. Experian data breach is example of broken chain of custody or stewardship over ( PII ) data ; obligated by law to protect and safeguard. 

As direct result of Experian antiquated networks and servers ; and merge with XXXX and XXXX Info Search granted cybercriminal XXXX and known XXXX marketer ; access to my PII and solicitation to identity thieves on the dark web my ( PII ) for profit ; constitute a reckless and willful violations of FCRA and liability under 5 U.S.C. 1681 ; Experian willfully and recklessly violated 15 U.S.C. 1681 ( b ), 15 U.S.C. 1681a ( d ) ( 3 ), 15 U.S.C. 1681b ( a ) ; ( g ) and 15 U.S.C. 1681c ( a ) ( 6 ) failing to identify, implement, maintain and monitor the proper data security measures, policies, procedures ; software and hardware systems to safeguard and protect consumer PII. 


Experian false or inaccurate reporting of consumer information from third parties of inaccurate information resulted in the mixing of consumer credit files and personal identifying information with another consumer information that did not belong to XXXX XXXX substantiates Experian has negligently violated Section1681 ( e ) ( i ) ; 1681 ( g ) ; 1681 ( o ) alternatively Section 1681 ( n ).

Experian negligence in not compensating consumer timely ; to statutory and punitive damages {$1000.00} for each violation under 15 U.S.C. 1681n ( a ) ( 1 ) ; having committed since 2011

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 2020-07-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi. I don't know what's going on but I disputed accounts that weren't mine or weren't accurate with the credit bureaus back on XX/XX/XXXX. I never got any notices and I feel like its been a really long time. I read that the credit bureaus only have 30 days to give me a notice back with responses and its been far longer than that. I also sent them my license and social security card so they knew who I was. 

I just recently sent them a second notice last week but I don't know if I'll be ignored again. 
Please help me get some results back.

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 2020-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am completely dissatisfied with these companies called Wells Fargo Card Services and XXXX. I have contacted them several times requesting they be removed from my credit report! They have yet to send me any validation as to how this account is mine! I have sent them proof of the police report attached from XXXX that states my property, identification, and social security information was stolen! They have been reporting on my credit report since XXXX or prior. I have been trying to get them removed for years! This is unacceptable and needs to be rectified ASAP. The most recent letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Not including the amount of times I have called them personally!

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 2020-07-06 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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:
Hello, I have disputed addresses that my ex boyfriend had used to take out credit cards or loans on my name. I had lived with him for several years his name is XXXX XXXX XXXX he had scammed me a couple of times and I had spoken with several agents regarding this matter. They have successfully helped me out and requested documents to back up my story. 

All done, I even got a dispute result back of the addresses that being removed and my new address now was current. I live with my mom now so he can't find me whatsoever. 

BUT - regardless of my proof of the dispute result that Equifax has generated, the addresses are still on my Equifax Credit Report because they won't update it accordingly as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The need to REMOVE themselves from my credit report IMMEDIATELY!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 explanation
Consumer complaint received 2020-07-06 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: FL

Complaint narrative:
I would like to report XXXX XXXX XXXX XXXX XXXX due to error and refusing to correct their mistakes. 
I have enrolled into the forbearance plan due to COVID-19. it specifies that the months of XXXX, XXXX, and XXXX of 2020 allowing the extensions of XXXX, XXXX, XX/XX/ 2020. 
would not be reported delinquent. 

all credit bureaus are reporting late payments for my mortgage and XXXX XXXX XXXX XXXX mortgage is saying reporting is correct when I signed up into an agreement plan with them due to the current pandemia situation.

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 2020-07-06 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 would like to report XXXX XXXX XXXX XXXX XXXX  due to error and refusing to correct their mistakes. 
I have enrolled into the forbearance plan due to COVID-19. it specifies  that the months of XXXX, XXXX, and XXXX of XXXX allowing the extensions of XXXX, XXXX, XX/XX/2020. 
would not be reported delinquent. 

all credit bureaus are reporting late payments for my mortgage and XXXX XXXX XXXX XXXX XXXX  is saying reporting is correct when I signed up into an agreement plan with them due to the current pandemia situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like to report XXXX XXXX XXXX XXXX XXXX  due to error and refusing to correct their mistakes. 
I have enrolled into the forbearance plan due to COVID-19. it specifies that the months of XXXX, XXXX, and XXXX of 2020 allowing the extensions of XXXX, XXXX, XX/XX/2020. 
would not be reported delinquent. 

all credit bureaus are reporting late payments for my mortgage and XXXX XXXX XXXX XXXX XXXX  is saying reporting is correct when I signed up into an agreement plan with them due to the current pandemia situation.

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 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In XXXX this debt showed up on my credit report.It is not mine. Looking at an old report, I see that is was opened with Midland Funding on XX/XX/XXXX in behalf of XXXX XXXX ; so, over eight years ago, I wrote them a letter shortly after requesting they remove it. They assured me, that they would. 
Yet, I receive a letter today from them requesting that I settle for a discount of 10 %. 
This is the second such letter I have received from a collection agency in the last several months. In the first case, the supposed debt was almost seventeen years old!

In California, it is illegal for them to attempt to collect a bent that is older than five years, however collection agencies are doing it anyway. 
I called Midland Collection Agency today, and they told that they would not sue me. Of course they wont, they cant. 
However, what is happening ( and maybe not in this case ) is that collection agencies are selling their paper to other collection agencies, who then change the date on the original delinquency to the date that they receive the paper, thus keeping old and already paid debts on the consumers credit report for much longer than the law allows.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: U.S. BANCORP
State: IL

Complaint narrative:
I have a mortgage and home equity line with US Bank. I called to inquire about mortgage forbearance on my mortgage. I was looking at my credit report through XXXX XXXX, they automatically put me on forbearance without my permission. The week of XX/XX/XXXX I spent many hours with US Bank to try and get this resolved. They told me they were going to remove me from forbearance and resolve my credit reporting issue. I received another letter today from US Bank saying they are confirming my request to enter a forbearance plan! I have spoke to so many people and waited on the line for hours and disconnected a few times. I need them to remove both my mortgage and home equity from forbearance and fix my credit report. I have also been making payments and it doesn't look like my payments are being posted to my accounts. My home equity shows I owe 4 months of payments which I have been making. I need to make sure the payments I have been making are being posted and reported correctly. My US Bank mortgage number is XXXX, my home equity is 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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX and I submitted my information online to the free XXXX XXXX XXXX but was denied. I wasnt given a reason. I need to know why I was denied and what I need to do in order to get my 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 explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I spoke with XXXX at The Office of the President at Synchrony Bank about some open account issues on my credit report. These open accounts show the following open accounts by Synchrony and or their creditor collection : acct number original Dollar Amount card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After having CFPB investigate the account of XXXX XXXX, their response was that they no longer had the account and sent it back to Synchrony Bank. Furthermore after speaking with XXXX at The Office of the President at Synchrony Bank, she insists that they do not have the account that they closed the account. She was well aware that I am on XXXX, which makes my income collection proof and judgement proof.My credit reports by all three credit bureaus continue to have this listed on my reports. It is false reporting and I would like it removed from my credit report as to not hinder my credit progress in the future. I feel like I am being given the " run-around '' by Synchrony Bank and it's collection practices. XXXX at The Office of the President at Synchrony Bank was not helpful in resolving the matter and did not give me information as to why this is still being reported as " open collections '' on my credit bureau reports.

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 2020-07-06 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I spoke with XXXX at The Office of the President at XXXX XXXX   about some open account issues on my credit report. These open accounts show the following open accounts by XXXX  and or their creditor collection : acct number original Dollar Amount card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After having CFPB investigate the account of LLC Funding/LVNV, their response was that they no longer had the account and sent it back to XXXX XXXX. Furthermore after speaking with XXXX at The Office of the President at XXXX XXXX, she insists that they do not have the account that they closed the account. She was well aware that I am on XXXX, which makes my income collection proof and judgement proof.My credit reports by all three credit bureaus continue to have this listed on my reports. It is false reporting and I would like it removed from my credit report as to not hinder my credit progress in the future. I feel like I am being given the " run-around '' by XXXX XXXX  and it's collection practices. XXXX at The Office of the President at XXXX XXXX  was not helpful in resolving the matter and did not give me information as to why this is still being reported as " open collections '' on my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have student loans with Navient. They are all Federal Student Loans. I can provide detailed payment logs that include weekly payments of student loans that show I was still making payments for years while being on IDR of XXXX based on income. When recertifications for IDR 2020 ( before COVID ), my required amount became 100+ dollars, ok I thought to myself, Ill keep weekly payments going and I should be ok, no. It appears Navient has charged me a late fee, and all payments made I believed were being added to my actual loans only went to interest. The payment of 100+ dollars that I was told would start in XX/XX/2020, I have only paid around 50 dollars to, oh and Im past due because it actually started repayment in XXXX???? Not to mention a XXXX $ student loan that I never received is on my account as needing to be repaid. How do I pay a loan I never received. Navient has stated they can Accommodate me by placing my account in forbearance For 30 days to remove the XXXX late fee. Wait I thought that process adds more interest to an already outrageous amount due. This is a shame, a consumer thinks they are doing the best they can with little the have and loan sharks like Navient give wrong information and take their money. If I would have known that interest would have accrued even on IDR while making payments I would have kept XXXX. And not attempted to pay extra. Shame on me for being honest and wanting to get ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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:
Immediately remove the following accounts XXXX  - Date opened : 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 2020-07-06 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:
Please remove this on my credit report XXXX XXXX open date XX/XX/XXXX XXXX XXXX  open date XX/XX/XXXX XXXX  open date XX/XX/XXXX XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXX open 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