vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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 stolen and I see a list of derogatory items that are not mine including a bankruptcies. 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. XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Dear XXXX, Cant you talk to us directly, at least once to listen our reservation and documented proof we, have. 
Please talk to below mentioned authorized official XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXk, NY XXXX XXXX : XXXX Cell : XXXX Fax : XXXX Email : XXXX. 

You mentioned, we did not requested loan modification, per our record, we requested in XXXX  We have sent proof to MA attorney General office today that we have applied for loan modification but did not get any answer from OCWEN. 

We have emailed you and left voice mail dated : Mon, XX/XX/XXXX, XXXX XXXX  and Tue, XX/XX/XXXX, XXXX XXXX. 

We, just requesting you to talk us. We, however, believe we have a plan that will provide a winning situation for PHH and for the refugees we want to help. We have a benefactor who is interested in providing immediate financial assistance to us with respect to the XXXX XXXX XXXX building and we would like to discuss this opportunity with you after we have an opportunity to review the complete file. 

If PHH can accept the reinstatement, please let us inform, so that we can send you reinstatement in 4 business days. 
Or If PHH agree, we can proceed with pay of the loan, we have friends of XXXX, who have approved financing to go ahead. 
You will receive, formal communication from us by our attorney ATTORNEY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX TEL : XXXX FAX : XXXX EMAIl : XXXX I would request, reply to him or contact him. 

We are in receipt of your letter dated, XX/XX/XXXX, explaining PHHs position regarding the mortgage loan with respect to the property at XXXX XXXX XXXX, XXXX, Massachusetts, and the auction sale of the property. 

In accordance with your offer, contained in your letter, to provide us with documentation related to the loan file, we are hereby requesting that you provide a copy of the entire file to us, including, without limitation, all documents and communications, regardless of form or type, for our review. 

After we have had an opportunity to review the file, we would appreciate your setting up a meeting with us as soon as possible to discuss any issues we have, with the goal of finding a fair and equitable solution for all parties involved. 

We are in receipt of another letter issued dated XXXX XXXX, received XXXX XXXX. Where you mentioned we did not apply for loan modification, however our record shows, we have requested loan modification Please be advised, If PHH proceeds with the sale of the property or any other way alter the title of property, before the providing us the loan file and give us an opportunity to review the documentation and give you documented proof, we have back to you, will be considered violation of the consumer rights and Ocwen agreement signed with MA attorney general office. 

Please be advised that nothing contained herein shall be construed as an admission or as a forfeiture of any rights we may have at law or equity. 


With kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: MA

Complaint narrative:
On XXXX/XXXX/2020, I attempted to initiate a dispute for a false item on my credit report from Equifax. There were two different links to initiate such a complaint, but after clicking both links, I got a message that Equifax had refused to open the page. There was no working link anywhere to contact Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have receive a notice on XXXX XXXX from CITI Master Card, about my account being " CLOSED ''. Apparently noone informed me, ahead time, about the fact that they believe that because I had " NO '' activity on my account in the last two years that this action was necessary. I have had this master card from more then ten years and NOTHING like this has very happen. Why would CITI take this step all of a sudden. I retire a few years back, and I have had no need to use my credit card, but If i need the use of this card at any time in the future. I think that I have earn the right to maintain my credit card without being subjective to CITI closing my account. I got in touch with a representative, and she indicate on the phone that I hadn't use my master card in a couple of years, therefore, they had the right to automatically close my account. This seem like a strange reason for CITI to take this action. Therefore I would like for CITI to apologize to me, and offer me extremely generous credit rate for making me have to take the action that I feel is unnecessary. I hope that CITI doesn't treat all of their customers this way. Sometime I feel like this might be happening, because I am a XXXX years old XXXX. I hope that this is not the case. I know that in many cases " XXXX '' have felt like they have experience discriminate in the financial industry.

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 2020-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: GA

Complaint narrative:
XX/XX/XXXX- Paid XXXX XXXX in full for XXXX XXXX XXXX on XXXX XXXX. XXXX fees included, per contract. Rate is {$220.00} per XXXX. 

XX/XX/XXXX- XXXX performed by XXXX XXXX XXXX. 

XX/XX/XXXX- Received bill from XXXX XXXX XXXX 

XX/XX/XXXX & XX/XX/XXXX- Contacted XXXX XXXX twice and sent supporting documents stating that I do not owe the bill. 

XXXX XXXX XXXX submitted bill to Asset Care Collection Agency . 

XXXX Filed disputes with XXXX  , XXXX  , and XXXX  . 

XXXX Sent correspondence to Asset Care Collection Agency asking that charges be removed from my XXXX XXXX account and false information be deleted from my three credit reports. 

XXXX Received credit reports. XXXX  score dropped approximately 120 pts- from XXXX range to XXXX! XXXX  score dropped approximately 100 pts- from XXXX to XXXX! 

XXXX Filed complaint with CFPB and Florida Attorney General 's office. 

**Please see attached file with documents that attest to these facts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. 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. XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX {$1600.00}

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 2020-07-01 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. 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. XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX {$1600.00}

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 2020-07-01 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: IL

Complaint narrative:
I have attempted several times to remove a chapter XXXX bankruptcy from Equifax and XXXX. Now they call the dispute frivolous. XXXX  has already removed it. Under the FCR a chapter XXXX bankruptcy can stay on your report for UP TO 10 years however, there is no law stating is has to stay on ypur repprt for 10 years. My bankruptcy has been on my report for over 9 years. Filed XX/XX/2010. It is causing undue hardship as I try to navigate around it after nearly 10 years. I have filed multiple disputes to no avail. I am not getting the letters that these agencies promised to send out once they have completed their reviews. They are using XXXX XXXX to verify a bankruptcy when they should be using the courts. Please remove as no law abounds me to have this on my record 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Opened an account with Barclays Bank Delaware in XXXX. The card was closed XX/XX/XXXX for non-use ( two years of no activity ). The remarks on my credit report indicates " Dispute resolved ; customer disagrees. '' I contacted Barclays at XXXX and was told that an external company ( who they would not name ) does the reporting to the credit bureau and that's what they add when they close accounts. I explained, and they confirmed the same, that I did not have any disputes, nor did I disagree with any dispute. They refused to update my credit record, advising that I could either write them via mail or dispute the information with the credit reporting agency. I have since disputed with the credit reporting agency. This is false reporting - as I did not have a dispute or disagree with any dispute - and has resulted in a decrease of my credit score.

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 2020-07-01 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: AL

Complaint narrative:
I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1600.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX XXXX  XXXX {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Made a dispute with credit bureau in regards to inaccurate accounts. Credit bureau sent a letter stating the disputed accounts were " verified. '' However these accounts are not reporting correctly so im confused how they are verified while being incorrect. I then sent a letter to the bureau asking for documents contained in the investigation based on FCRA 611 ( A ) ( 7 ). As of today XX/XX/2020 I have not received info about the report and incorrect items still remain. The bureau is not following E-Oscar and Metro 2 compliance protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: AL

Complaint narrative:
I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1600.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX XXXX  XXXX {$28000.00}

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 2020-07-01 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: AL

Complaint narrative:
I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1600.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX XXXX  XXXX {$28000.00}

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 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
My bank has informed me that there is negative information reported by TD Bank included in the file XXXX  maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing a " ACCOUNT ABUSE '' in XX/XX/2018. 
I do not recall having an account from this bank in 2018. 
Please validate this information with TD Bank and provide me with copies of any documentation associated with this " checking account '' bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: CA

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TN

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in detailed letter referencing federal laws that bureaus must abide by, based on their lack of responding in the time frame and their investigation and their results they have not abused by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in detailed letter referencing federal laws that bureaus must abide by, based on their lack of responding in the time frame and their investigation and their results they have not abused by these laws.

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 2020-07-01 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: IL

Complaint narrative:
I have attempted several times to remove a chapter XXXX bankruptcy from XXXX  and Experian. Now they call the dispute frivolous. XXXX has already removed it. Under the FCR a chapter XXXX bankruptcy can stay on your report for UP TO 10 years however, there is no law stating is has to stay on ypur repprt for 10 years. My bankruptcy has been on my report for over 9 years. Filed XX/XX/2010. It is causing undue hardship as I try to navigate around it after nearly 10 years. I have filed multiple disputes to no avail. I am not getting the letters that these agencies promised to send out once they have completed their reviews. They are using XXXX XXXX to verify a bankruptcy when they should be using the courts. Please remove as no law abounds me to have this on my record 10 years.

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 2020-07-01 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 stolen and I see a list of derogatory items that are not mine including a bankruptcies. 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. XXXX XXXX XXXX  XXXX {$2600.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Made a dispute with credit bureau in regards to inaccurate accounts. Credit bureau sent a letter stating the disputed accounts were " verified. '' However these accounts are not reporting correctly so im confused how they are verified while being incorrect. I then sent a letter to the bureau asking for documents contained in the investigation based on FCRA 611 ( A ) ( 7 ). As of today 7/1/2020 I have not received info about the report and incorrect items still remain. The bureau is not following E-Oscar and Metro 2 compliance protocol.

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 2020-07-01 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: FL

Complaint narrative:
Made a dispute with credit bureau in regards to inaccurate accounts. Credit bureau sent a letter stating the disputed accounts were " verified. '' However these accounts are not reporting correctly so im confused how they are verified while being incorrect. I then sent a letter to the bureau asking for documents contained in the investigation based on FCRA 611 ( A ) ( 7 ). As of today 7/1/2020 I have not received info about the report and incorrect items still remain. The bureau is not following E-Oscar and Metro 2 compliance protocol.

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 2020-07-01 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. 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. XXXX XXXX XXXX XXXX {$2600.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}

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