vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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: IL

Complaint narrative:
I wrote to Credit Bureau requesting an investigation into item that I believed is OBSOLETE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 
I regret that I am being forced to take such action. 

Please see my reasons for dispute below : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it.

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 2021-06-28 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: NJ

Complaint narrative:
XXXX XXXX AND EQUIFAX ARE SHOWING LATE PAYMENTS ON MY XXXX XXXX ACCOUNT WHICH WAS CORRECTED BY XXXX XXXX AND UPDATED INFORMATION WAS SENT OUT TO BOTH BUREAUS. THESE LATE PAYMENTS MUST BE UPDATED AND CORRECTED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: LoanCare, LLC
State: UT

Complaint narrative:
I have been disputing the information reported to credit reporting agencies regarding a late payment back in XXXX. 

My payment was not 30 days late. 

I made my payment on time, what happened was gap and mixup during the transfer of loan servicing from XXXX to Loancare. 

I made my payment on time to XXXX, however, unaware that my loan servicer had changed over from XXXX to Loancare the money went from XXXX to Loancare and sat in a holding account because the XXXX loan number did not match the new Loancare. 

When I received the delinquency notification via USPS mail service, I immediate contacted Loancare and discovered my payment funds for XXXX and XXXX had been received but had not been applied to my new Loancare mortage account. 

The mix-up was corrected with funds applied and my account brought to good standing. However, what was not corrected was the information reported to the credit agencies that shows my loan payment was not 30 days late. 

This information reported is not correct and inaccurate. 

I've made 3 attempts to dispute this inaccurate reporting through XXXX and each time no success. 

Now I'm reaching out directly to seek out the correction of this information. 

I'm asking the information reported to credit agencies be updated to accurately reflect those funds were received, and not applied to my new LoanCare account. 

I also am very confused as to how LoanCare is reporting on-time payments going back as far as XXXX when I never made payments to Loancare during the reporting periods.

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 2021-06-28 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: NJ

Complaint narrative:
I have tried calling but either disconnected while waiting or other issues. 

XXXX : I am requesting the 'parameters ' used to determine their Fair Isaic Code determination for the credit score matrix for ; 08, Too many inquiries last 12 months, 09, Too many accounts recently opened, 10, Proportions of balances to credit limits is too high on bank revolving or other revolving accounts, 14, Length of time accounts have been established, XXXX : I am requesting the 'parameters ' used to determine their Beacon Code determination for the credit score matrix for ; 00005, Too many accounts with balances, 00014, Length of time accounts have been established, 00030, Time since most recent account opening is too short. 

Trans Union : I am requesting the 'parameters ' used to determine their Empirica Code determination for the credit score matrix for ; 004, Lack of recent installment loan information 012, Length of time revolving accounts have been established, 014, Length of time accounts have been established, 030, Time since most recent account opening is too short. 

I would request their parameters for all the individual codes for future use. 

Thank you, 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 2021-06-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have tried calling but either disconnected while waiting or other issues. 

XXXX : I am requesting the 'parameters ' used to determine their Fair Isaic Code determination for the credit score matrix for ; 08, Too many inquiries last 12 months, 09, Too many accounts recently opened, 10, Proportions of balances to credit limits is too high on bank revolving or other revolving accounts, 14, Length of time accounts have been established, Equifax : I am requesting the 'parameters ' used to determine their Beacon Code determination for the credit score matrix for ; 00005, Too many accounts with balances, 00014, Length of time accounts have been established, 00030, Time since most recent account opening is too short. 

XXXX XXXX : I am requesting the 'parameters ' used to determine their Empirica Code determination for the credit score matrix for ; 004, Lack of recent installment loan information 012, Length of time revolving accounts have been established, 014, Length of time accounts have been established, 030, Time since most recent account opening is too short. 

I would request their parameters for all the individual codes for future use. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: MS

Complaint narrative:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I contacted XX/XX/XXXXand Equifax on XX/XX/2021, XX/XX/2021 and XX/XX/2021 about XXXX XXXX bankruptcies on my credit report. The FCRA states that if an account can not be verified it must be removed from my credit report. XX/XX/XXXXand Equifax says they got the bankruptcy information from XXXX XXXX so I contacted XXXX XXXX myself and XXXX XXXX couldn't verify the bankruptcies so they deleted both of them from the database. XX/XX/XXXXand Equifax can not verify the bankruptcies that they are reporting so according to the Fair Credit Reporting Act, they must delete both bankruptcies from my credit report. I am attaching the confirmation letter I received from XXXX XXXX to show the bankruptcies were deleted from the database. If XX/XX/XXXXand Equifax don't delete them I will be looking for an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion LLC, located at XXXX. XXXX XXXX XXXX, PA XXXX has been receiving letters from me since XXXX of 2020 regarding an account, XXXX XXXX XXXX. I have submitted letters on my behalf asking them to " verify '' this account according to the FCRA rules and regulations. They have failed to do so each time. The response is always it has been " verified '', but they never disclose how. I have been compliant with whatever is asked of me from them ( submitting police reports for identity theft ) and still they fail to comply according to the rules and regulations, which states, that they, in fact must submit proof as to how they " verified '' this debt. The debt in question does not belong to me. I never resided at the residence that is charging me with the debt. Please review the attached documents from both me and Transunion. Upon review, you will determine that they are not providing any proof as to how they can prove this erroneous debt belongs to me. They need to be held accountable for being non-complaint.

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 2021-06-28 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: AR

Complaint narrative:
XXXX XXXX never sent any documentation over to XXXX XXXX about my student loan tpd to XXXX XXXX as stated by them and XXXX says it sounds like when I first started my tpd it was a different process but either way I sent over my 1099c form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. XXXX told me to tell them to send over my credit report and they will send over the correct information. After disputing my equifax 2.0 score dropped 28 points and my rate went up {$1.00} according to alerts. XXXX XXXX has closed out my report because nobody is sharing my credit reports to XXXX also the loan department of XXXX has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also XXXX a new company only contacted me three times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY
State: VA

Complaint narrative:
In XXXX of 2020, I refinanced at a 3.25 % interested rate and my mortgage payment was XXXX. Due to COVID, I was unable to pay my mortgage and took out a COVID loan for the month of XXXX through XXXX. I resumed my normal mortgage payment in XXXX. On XX/XX/XXXX, an escrow analysis was done and my mortgage jumped to XXXX due to a shortage in my escrow. Oceanside Mortgage agreed to spread the escrow shortage over 60 months on XX/XX/XXXX and I was told to pay {$2300.00} for XXXX mortgage per their notes and which I paid and in XXXX my mortgage payment would rise to {$2300.00} for the next 60 months which I have already paid. Oceanside continues to harass me about a shortage in payment in the amount of {$270.00} which i do not owe them. They continue to say they will fix the issue but it never happens and because of this, they refuse to take my XXXX payment, which can put me in a delinquent status. I need help now and will file a complaint with the FHA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: UT

Complaint narrative:
I have been disputing the information reported to credit reporting agencies regarding a late payment back in XXXX. 

My payment was not 30 days late. 

I made my payment on time, what happened was gap and mixup during the transfer of loan servicing from XXXX to XXXX. 

I made my payment on time to XXXX, however, unaware that my loan servicer had changed over from XXXX to XXXX  the money went from XXXX to XXXX and sat in a holding account because the XXXX loan number did not match the new XXXX. 

When I received the delinquency notification via USPS mail service, I immediate contacted XXXX and discovered my payment funds for XXXX and XXXX had been received but had not been applied to my new XXXX mortage account. 

The mix-up was corrected with funds applied and my account brought to good standing. However, what was not corrected was the information reported to the credit agencies that shows my loan payment was not 30 days late. 

This information reported is not correct and inaccurate. 

I've made 3 attempts to dispute this inaccurate reporting through Experian and each time no success. 

Now I'm reaching out directly to seek out the correction of this information. 

I'm asking the information reported to credit agencies be updated to accurately reflect those funds were received, and not applied to my new XXXX account. 

I also am very confused as to how XXXX is reporting on-time payments going back as far as XXXX when I never made payments to XXXX during the reporting periods.

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 2021-06-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I send a letter to this company making to remove incorrect information on my report and have not receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CA

Complaint narrative:
I have a XXXX XXXX XXXX and XXXX. I made numerous attempts to file disputes online and over the phone.A representative went off on when I asked to speak to a supervisor and told her I filed civil lawsuit. 
I explained my name is not correct and inquiries are not mine.You can not go online because system doesnt work and I am XXXX XXXX. I even faxed over the documents multiple times. I filed civil lawsuit for XXXX discrimination. 
I keep getting transferred around to people overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I scheduled a payment online on XX/XX/XXXX to come out on XX/XX/XXXX. I received a confirmation number. XX/XX/XXXX the payment was credited to my account XX/XX/XXXX. on XX/XX/XXXX I received an email saying my payment was returned. I called customer service on XX/XX/XXXX to ask y it was returned. I was told to call my bank and ask why it was returned. The bank told me that there no transactions from the credit card company or any other blocks or holds on my account. I called credit card company back and told me the payment was processed to another account iv used in the past. I know for a fact I didn't process any payment from that account because its closed. The returned payment caused my credit card account to be over the limit {$52.00} and it was reported to the credit bureaus and impacted my score negatively. I told the agent I wanted my account to be brought back to current since I wasn't the one who processed the payment from the wrong account. the agent offered to credit my account for the late fee of {$25.00} I told him I wanted my account brought to current for the entire amount of {$52.00} he said I was responsible for making the account current. I asked for his supervisor I explained the situation over she said she was gon na speak to technical 's support to find find out what happened when I scheduled the payment. As I was on hold I checked my app that I used to make the payment and the option for that closed account wasn't available. I believe I deleted that account from the app months ago so I wouldn't create confusion for myself when scheduling payments. The supervisor agent came back on the phone and said once the payment was returned the app deleted the payment option from from that closed account. I asked her to get tech support back on the phone ands when it was deleted. she then asked what my desired out come is I told her to make my account current because as a result of them processing a payment from a closed account my credit card account was over the limit and negative information was reported. she told me tech support couldn't give the info on when the closed account was removed from payment options but then disclosed that the same account hasn't been used in the app since XX/XX/XXXX. They tried to convince me I selected the wrong option to make a payment from when I know I didn't. I believe their system selected a wrong account which has been closed for months to make my credit card payment when I know I didn't select that account in fact I believe I deleted it myself personally. This has also affected my credit score because negative info was reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: GA

Complaint narrative:
I began disputing an unverified bankruptcy with Transunion in XX/XX/2020. I have sent this institution multiple disputes requesting that the unverified item be investigated and removed from my Transunion credit report. Every time this institution responds with the item is verified and the data furnisher is the XXXX XXXX XXXX GEORGIA. I have reached out to the ( XXXX XXXX XXXX  GEORGIA ) via USPS mail as well as physically visiting the CLERK OF COURT located at the ( XXXX XXXX XXXX DIVISION ) on multiple occasions requesting information on their process of releasing public records information to 3rd party for-profit agencies. Each time I was given the same response, The court does not share public record information with 3rd party or for-profit agencies. I have forwarded the response to Transunion on multiple occasions and requested that the unverified information be deleted from my Transunion credit report. Transunion continues to report the unverified on my credit report as verified and accurate as seen in supporting document # 1 dated XXXX. This is a violation of the Fair Credit Reporting Act. I want the unverified information deleted from my consumer profile immediately and updated. Please refer to the attached supporting documentation.

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 2021-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Denied credit application direct violation of 15 U.S. Code 1691 ( a ) ( 3 ) 15 U.S. Code 1691 ( b ) ( 3 )

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 2021-06-28 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: MS

Complaint narrative:
XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation