vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX  XXXX XXXX {$59.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hi I called the company to try to dispute my collection of on my credit report that was already paid and he told me that they could not take it off because of whatever reason they didnt see it and I asked him why because my account was already paid for and I dont understand what was the issue so he was giving me a hard way to go. Ive been stressed out I know what to do Im trying to buy a house and theyre holding me up from taking the collection of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$1200.00}

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 2020-08-19 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$1200.00}

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 2020-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I bought a vehicle and contacted Synchrony Bank and did a {$4500.00} wore transfer while I was at the dealership. I get home and find out not only did Synchrony cancel my transfer ( which now puts me in danger of losing not only my car but the financing ) they also have completely restricted me from accessing ANY of my money. Not one person from multiple calls would tell me why. I verified all my info, nothing was fraudulent, and they are putting mine and my children 's livelihood at stake for no acceptable reason.

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 2020-08-19 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
THE INFORMATION LISTED DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME THAT I DID NOT APPROVE ... THE APARTMENT LISTED AND TH CABLE BILL AND CELL PHONE ACCOUNT ARE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: FL

Complaint narrative:
THE INFORMATION LISTED DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME THAT I DID NOT APPROVE ... THE APARTMENT LISTED AND TH CABLE BILL AND CELL PHONE ACCOUNT ARE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-19 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: CA

Complaint narrative:
MY XXXX  AUTO LOAN ACCT NUMBER XXXX SHOWS A LATE PAYMENT IN XX/XX/2020 WHICH IS NOT CORRECT. EACH BUREAU SHOULD BE ON THE SAME PAGE AND REPORT DATA CORRECTLY.

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 2020-08-19 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: CA

Complaint narrative:
MY XXXX  AUTO LOAN ACCT NUMBER XXXX SHOWS A LATE PAYMENT IN XX/XX/2020 WHICH IS NOT CORRECT. EACH BUREAU SHOULD BE ON THE SAME PAGE AND REPORT DATA CORRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: 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 very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received the following notification from CapitalOne : During a regular account review, we noticed youve only been using a portion of your credit limit. 

To better fit your card usage, weve reduced your credit limit to $ xxxxx. 

Weve kept your credit limit significantly above your highest balance over the last 2 years to ensure you can use your card as you have been, while providing flexibility for future spending. 

Everything else on your account will remain the same, and well follow up with additional information by mail. 

Thanks for being a Capital One customer. 


Credit Score is impeccable, and we've never been late or defaulted in any way. We use other cards with rewards, and don't keep a balance to avoid fees. This seems like they're desperate and wanting to enslave people by scaring them into using their cards, and keeping a balance. We're not going to use their card more, but do just the opposite because of such antics. 

I think this is a predatory action taken by CapitalOne, and should be looked into. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: TX

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts 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 2020-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
On XX/XX/2020 I was contacted by a collection agency about my private student loan. I checked Navient 's website and found my loan was in repayment with the last amount due showing in XX/XX/2020 which was paid. No amount due was shown after this, and with the cares act everything was assumed to be in order. XX/XX/2020 I contacted navient by phone and was told their website no longer updated even though it showed that it had been updated that day and my loan was still showing as in repayment with no amount due. Navient 's collection representative then informed me she had no access to my account other than the balance and that I would have to cl tact the collection agency to pay the amount in full within 30 days. According to the records I have access to on Navient 's website, they have been accepting payments for that account and my account is in good standing. 

Upon checking my credit report, Mavient is reporting my account as delinquent and has been for over a year along with making regular credit Inquiriees without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I received a letter from XXXX XXXX regarding a disputed Past Due Payment of XX/XX/XXXX, on XX/XX/XXXX. I confirmed with XXXX  that they sent the report to Equifax on XX/XX/XXXX. In the letter attached, it clearly states that XXXX is removing the Past Due from my account and updating it as PAID AS AGREED, cleared of any delinquencies and supplied an AUD confirmation number ( XXXX ), as well as 2 other AUD # 's over the phone ; XXXX & XXXX ) to reference when speaking with the credit bureaus. On XX/XX/XXXX, I received information from my XXXX account that my credit report updated and showed no discrepancies with any of my accounts and my credit score jumped over 104 points! I proceeded to apply for a mortgage refinance and found out after they ran my credit report that Equifax and XXXX  were reporting very low scores and was advised to contact both regarding the discrepancies that were still being reported. I called Equifax on XX/XX/XXXX and referenced the AUD # 's. They would not confirm the AUD # 's nor would they answer any questions regarding adjustments, only that XXXX XXXX did not send them any information to clear up my records.  I went on for 6 1/2 hours going back and forth with XXXX and Equifax! Both blaming the other in what they needed to do in order to adjust my credit score/report. My cellphone has a record of more than 15 calls totalling up to 10 hours wasted. Today, XX/XX/XXXX I was provided an AUD # XXXX from an agent with XXXX XXXX. I was told it was created yesterday after my multiple conversations with them and it was confirmed being sent to Equifax today. The agent informed me to reference this number when I called Equifax. Again, once I spoke with the agent from Equifax, he would not accept, confirm or deny the AUD # and continued to direct me to contact XXXX XXXX to send an update to remove the discrepancies on my account. I don't know who to believe or what they are telling me is even accurate. Simply, I am caught in the middle and feeling helpless to find any resolve from either company, all the while, we are still being held back by both companies not being able to take advantage of the low mortgage interest rates and removing any financial strains of debt during this horrible pandemic and failing economy. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO GO TO THIS SCHOOL MY PHOTO ID AND SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRA. On XX/XX/2020, I mailed XXXX, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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:
There was a public record listed on my credit report that I disputed with Transunion since XX/XX/XXXX and to this day remains on my credit file and has negatively affected my chances of purchasing a home and obtaining credit. Transunion said that they VERIFIED the information with the court which is false as the courts DO NOT furnish information to the credit bureaus. The verification was never sent to the actual court or a real person from the court. So the fact that Transunion said it was VERIFIED is completely false.

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 2020-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX {$59.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$1300.00}

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 2020-08-19 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my report. These items listed are not mine and need to be deleted from my credit reportXXXX XXXX XXXX, XXXX XXXX {$59.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$1300.00}

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 2020-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: OH

Complaint narrative:
This is not a duplicate complaint - Please do not treat it as such. 

Consumer Financial Protection Bureau Complaint For : XXXX XXXX RE : Lendmark Financial Services Credit Reporting Desired Outcome : Removal of negative reporting on credit report Situation resulting in complaint : Due to a deficiency in payment, Lendmark Financial was awarded a garnishment for loan balance unpaid. 
This balance was paid through XXXX XXXX employer XXXX XXXX via wage garnishment twice monthly from XX/XX/2020 to XX/XX/2020. 
Inaccuracy of account information : During the successful payment of the wage garnishment and preceding judgment process, Lendmark constantly reported loan balance information incorrectly to credit agency. 
Lendmark has reported non-payment during successful twice monthly payments via garnishment. 
Account was changed to Charged Off during the payment process and remains as such. 
Payments were completed. Despite this, Lendmark has reported that there is a remaining balance due of {$210.00} Examples : XX/XX/XXXX Court filing balance : {$3700.00}, despite reporting a balance of {$3800.00} to credit agencies. 

XXXX reporting balance : {$3600.00}, reporting as {$0.00} payment ( despite {$840.00} payment ). Began reporting as Charge Off. 

XXXX reporting balance : {$3600.00}, reporting as {$0.00} payment ( despite {$2000.00} payment ), and continued reporting as Charge Off. 

XXXX reporting balance : {$3600.00}, reporting as {$0.00} payment ( despite {$1600.00} payment ), and continued reporting as Charge Off. This month completed the full garnishment payment. 

XXXX reporting balance : {$210.00}, reporting as {$0.00} payment ( despite full payments completed in XX/XX/2020 ), and continued reporting as Charge Off. This was despite a call to the office from XXXX XXXX notifying the balance had been paid. 

Lendmark has sent XXXX XXXX a paid in full contract and refund of over payment in the amount of {$300.00}, despite reporting a balance due of {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I was paying my lender n time until their servicer place their own insurance on the property when i already had insurance and charged me more every month. I showed them proof that i had my own insurance and then they said they will adjust the default payments and never did. My default payments have been getting billed in the back since XX/XX/2018 for XXXX a month. Now my new lender is trying to pay off the loan off and they want the default interest when all of it should of been waived from day one since they made a mistake to place their own insurance on the property. My new loan docs are expired and i might be able to get a loan since the servicer took 2 months and has not rectified this issue.

Company response to consumer: Closed with explanation