vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-25 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: CA

Complaint narrative:
My name is XXXX XXXX. This is a formal complaint against Transunion for refusing to remove a XXXX bankruptcy from my credit report that does not belong to me. My report says that the identification or account number for this bankruptcy is # XXXX. This is not my first dispute against this item, I have been fighting tooth and nail with Transunion trying to get this removed for years. First of all, this account is only being reported on my Transunion file. There is no record of a bankruptcy on XXXX or XXXX. This says a lot because if I really would have filed a bankruptcy in XXXX, this would also be showing up on my other two credit reports but it never has. I am attaching a screenshot from a recent report which shows this fact. Second, there are no negative accounts listed on my report that show any indication I ever filed for bankruptcy. How can I have a bankruptcy if there is nothing listed on my report to suggest I ever did? This should be very straightforward but is something Transunion has continued to ignore in all of my past disputes. Last and most importantly, I have contacted the XXXX XXXX Bankruptcy Court to the XXXX number provided in Transunion 's responses. The information they have does not match my personal information. I was told I would need to dispute this with Transunion in order to get this removed. If all this is true, how can Transunion respond to my dispute verifying that this is my account? My dispute is being disregarded as frivolous when it is really Transunion failing to process my dispute properly.

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 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I called TFS, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On TFS internal  system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over 1500 dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I was going to school, with XXXX XXXX, XXXX on line and the cost was XXXX. I received XXXX} a year for XXXX year from XXXX. A week before I was to graduate the school told me they had closed. I got a bill from XXXX XXXX company charging me with XXXX  dollars. A year later they sold this bill to Navient. i do not owe this much money and it is a detriment to my credit. Please can you help me correct this error?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: FL

Complaint narrative:
On XXXX XXXX, 2017 I initiated several disputes with all three Credit reporting agencies regarding fraudulent accounts being reported into my credit report. At the time I have applied for a Mortgage Loan and the creditor advised me that I had several derogatory marks in my credit, that prevented me from getting an approval. To my surprise there were 16 account being reported into my credit reports, some with incorrect payment information or resolution and some that were simply not mine. At the moment my credit score was fluctuating between XXXX - XXXX when I initiated the process. After most of my disputes were resolved, still pending 2 accounts and my credit score stayed exactly the same. 

I called all three agencies to verify the reasons why my credit score never got recalculated. All three companies assured me that it got automatically recalculated by the computer once the accounts were removed, although there is no difference. They also advised me that if I applied for a mortgage or a credit loan I could get what is called credit re scoring which is basically the bank requesting a re score based on the fact that all my accounts were cleared.This will translate into me paying a mortgage company to re score my credit with this three companies when the companies should have re score in the first place. 

I sent XXXX and Equifax a letter, formally requesting this re-scoring process to them and their response was that I will receive a letter with instructions on how to request my credit score. 

In addition, these three reporting companies are not reporting any payment history or credit age on my credit reports, which is also impacting my score. 

Finally out of the three reporting companies both XXXX and Equifax were able to verify the accounts as fraudulent, still XXXX keeps going around on their investigation and updating the account information without really having proof of ownership from the creditors, although I started a Identity Theft claim. 

I do n't believe I should be penalized on my credit scoring due to accounts that were never mine and that hurt my credit tremendously, reducing my credit score on over XXXX points. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: FL

Complaint narrative:
On XXXX XXXX, 2017 I initiated several disputes with all three Credit reporting agencies regarding fraudulent accounts being reported into my credit report. At the time I have applied for a Mortgage Loan and the creditor advised me that I had several derogatory marks in my credit, that prevented me from getting an approval. To my surprise there were 16 account being reported into my credit reports, some with incorrect payment information or resolution and some that were simply not mine. At the moment my credit score was fluctuating between 530 - 555 when I initiated the process. After most of my disputes were resolved, still pending 2 accounts and my credit score stayed exactly the same. 

I called all three agencies to verify the reasons why my credit score never got recalculated. All three companies assured me that it got automatically recalculated by the computer once the accounts were removed, although there is no difference. They also advised me that if I applied for a mortgage or a credit loan I could get what is called credit re scoring which is basically the bank requesting a re score based on the fact that all my accounts were cleared.This will translate into me paying a mortgage company to re score my credit with this three companies when the companies should have re score in the first place. 

I sent XXXX and XXXX a letter, formally requesting this re-scoring process to them and their response was that I will receive a letter with instructions on how to request my credit score. 

In addition, these three reporting companies are not reporting any payment history or credit age on my credit reports, which is also impacting my score. 

Finally out of the three reporting companies both XXXX and XXXX were able to verify the accounts as fraudulent, still Experian keeps going around on their investigation and updating the account information without really having proof of ownership from the creditors, although I started a Identity Theft claim. 

I do n't believe I should be penalized on my credit scoring due to accounts that were never mine and that hurt my credit tremendously, reducing my credit score on over 150 points. 

Best Regards, 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 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
Account was escrowed for insurance when I had my own, with no lapse in coverage. I am told by customer support they will credit my account but have not since XXXX of this year. I have stopped paying my escrow and am now late on my payments according to their records. I have spent at least XXXX on the phone with customer service trying to get this resolved. I am told each time it takes up to XXXX days to take care of the problem and they assure me it will be. Still no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: CA

Complaint narrative:
On XX/XX/XXXX I wrote letters to all 3 credit bureaus because there were items being reported against my credit that did not belong to me and inaccuracies found. I requested these items be deleted or proof be provided to me on how these items were verified. XXXX was the ONLY company to respond and remove/delete the items that I requested. I filed a complaint against Equifax and XXXX for lack of response in XX/XX/XXXX, Equifax did finally respond, however they did not provide any information in their response or even include a copy of my credit report. The only letter attached was the dispute process information. XXXX failed to respond at all and I still have not received any paperwork from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX AZ called me on a local XXXX XXXX XXXX XXXX - first on my office number, which is XXXX and was very rude when I requested to remove the number from their call list. I gave the person XXXX XXXX XXXX XXXX my cell number and he called me, again from XXXX number, when he was in Arizona. I requested his company name, location,, and true telephone contact number, which is XXXX. He indicated that his client, Navient, was trying to collect on loans from XXXX ( XXXX and XXXX specifically ), but would not provide me actual loan numbers, instead gave me a sequence of XXXX which is part of my Social Security number. The loans in reference are old and should no longer be on my account and I called Navient, who said they had no idea who XXXX XXXX was. The loans amount to XXXX, but again, these are old loans that fall under the statute of limitations which I am no longer responsible for - regardless, this person was very rude and threatening and when I said that the loans were private and uncollectable, he stated very rudely that " these loans never go away '' which is an absolute lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I called XXXX, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On XXXX internal system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over XXXX dollars a month.

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 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I called XXXX, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On XXXX internal system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over XXXX dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I called XXXX, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On XXXX internal system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over XXXX dollars a month.

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 2017-10-25 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: PA

Complaint narrative:
Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2017-10-25 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:
Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL, XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2017-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: IL

Complaint narrative:
The amount that was owed for this account before it sent to collections was XXXX. I was sued by XXXX XXXX XXXX for the amount of XXXX and was given a date to pay in order to remain a tenant in the building. I presented the property manager at the time with a XXXX} cashiers check to cover the XXXX balance owed plus enough to cover rent for a few months. My attempt to pay was denied by the property manager as I was told we will not accept any payment from you. I was then told to remove my belongings from the unit but was not given a specific date to be out. A week prior to this all of my belongings were thrown out in the alley behind the building causing me to lose all of my personal information and other important things. I have disputed this debt collection several times in attempt to get it removed from my credit reports. Since my attempt to settle the debt was denied before it was sent to collections I feel that I should no longer have this negative remark on my credit. I have not received any documentation validating that the debt belongs to me nor have I received a copy of the original lease agreement with my signature. I also have not received any documentation explaining the XXXX balance that is reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation