vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing an error in my credit report after getting the acknowledgement from the creditor in XX/XX/XXXX, for XX/XX/XXXX, for 7 times. Each time Experian just closed it without proper research and I am not able to even dispute online any more as they abruptly close the window where dispute is entered and it goes back to starting g screen without saving any work. After complaining to Attorney general of California, the creditor again issued the correction letter. All my credit cards increased interest rates as my score went down from XXXX to XXXX due to the error. Unfortunately Experian propagated the changes to other agencies also and all my reports show the error, and keep coming back after i individually correct with them. Need a resolution asap. Please attached documents for review. Please review and make decision if possible than just forwarding it to someone and then abruptly closing the case based on improper response. I am really tired of the incompetency of the agencies and penalized for their errors even when they promise legendary customer service

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I called XXXX  and Transunion and XXXX  on XX/XX/2021 all to remove old accounts and also fraudulent inquiries from my credit reports. Only XXXX  did so and without any issues whatsoever. Both XXXX  and Transunion seem to not want to do their job. 
The accounts from Dept Of Education are closed from over 7 years ago and were transferred and are in good standing and the old CLOSED accounts should be removed. The Dept Of Education agrees to have them removed and also provided me with a letter stating it was the responsibility of the credit bureaus to remove them now. Also the fraudulent inquiries that were done without my consent were only removed by XXXX, and need also to be removed by XXXX  and Transunion.

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 2021-07-10 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: CA

Complaint narrative:
I, Consumer XXXX XXXX XXXX have unauthorized inquiries present in my consumer report that originated from identity theft. 15 USC 1681c-2 states that consumer reporting agencies must block any information in the consumer 's report derived from identity theft. The unauthorized inquiries are as follows : 1. XXXX XXXX XXXXXXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4 . XXXX XXXX XXXX 5 . XXXX XXXX XXXX XXXX Equifax 6 . XXXXXXXX XXXX XXXX Equifax 7 .  XXXX XXXX XXXX XXXX 8 . XXXX XXXXXXXX XXXX XXXX Equifax 9 . XXXX cred- XXXX XXXX 10 . XXXX XXXX XXXX 11 . XXXX XXXX XXXXXXXX XXXX 12 XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: WI

Complaint narrative:
This was a {$400.00} loan and I attempted to pay a settlement amount and this company to the amount of a {$400.00} loan up to {$20000.00}. I just want to settle at a reasonable amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10 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: CA

Complaint narrative:
I have been disputing an error in my credit report after getting the acknowledgement from the creditor in XX/XX/XXXX, for XX/XX/XXXX, for 7 times. Each time XXXX  just closed it without proper research and I am not able to even dispute online any more as they abruptly close the window where dispute is entered and it goes back to starting g screen without saving any work. After complaining to Attorney general of California, the creditor again issued the correction letter. All my credit cards increased interest rates as my score went down from XXXX to XXXX due to the error. Unfortunately XXXX  propagated the changes to other agencies also and all my reports show the error, and keep coming back after i individually correct with them. Need a resolution asap. Please attached documents for review. Please review and make decision if possible than just forwarding it to someone and then abruptly closing the case based on improper response. I am really tired of the incompetency of the agencies and penalized for their errors even when they promise legendary customer service

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 2021-07-10 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: CA

Complaint narrative:
I have been disputing an error in my credit report after getting the acknowledgement from the creditor in XX/XX/XXXX, for XX/XX/XXXX, for 7 times. Each time XXXX  just closed it without proper research and I am not able to even dispute online any more as they abruptly close the window where dispute is entered and it goes back to starting g screen without saving any work. After complaining to Attorney general of California, the creditor again issued the correction letter. All my credit cards increased interest rates as my score went down from XXXX to XXXX due to the error. Unfortunately XXXX  propagated the changes to other agencies also and all my reports show the error, and keep coming back after i individually correct with them. Need a resolution asap. Please attached documents for review. Please review and make decision if possible than just forwarding it to someone and then abruptly closing the case based on improper response. I am really tired of the incompetency of the agencies and penalized for their errors even when they promise legendary customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
We have been contacting LoanCare regarding our mortgage for 12 months now trying to get back on schedule to resume our payments. We have sent in the required paperwork over and over again, which they confirm they are receiving. Our payments were supposed to be set up to be resumed back in XX/XX/2020. We have called and spoken with reps at least 60 times since XX/XX/2020 and we are still unable to get this resolved with them. Meanwhile, they call constantly and send threatening letters stating our payments are late and we need to discuss a resolution with them for the missed payments! We are at the point now that we have been unable to pay on our mortgage for 11 months because they can't seem to figure out what they need to do.

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I called Equifax and XXXX  and XXXX  on XX/XX/2021 all to remove old accounts and also fraudulent inquiries from my credit reports. Only XXXX  did so and without any issues whatsoever. Both Equifax and XXXX  seem to not want to do their job. 
The accounts from Dept Of Education are closed from over 7 years ago and were transferred and are in good standing and the old CLOSED accounts should be removed. The Dept Of Education agrees to have them removed and also provided me with a letter stating it was the responsibility of the credit bureaus to remove them now. Also the fraudulent inquiries that were done without my consent were only removed by XXXX, and need also to be removed by Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: OneMain Finance Corporation
State: FL

Complaint narrative:
On XX/XX/2021, I filed a disputes with XXXX, XXXX, & XXXX  in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AVANTE
State: GA

Complaint narrative:
On XX/XX/2021 I got an alert on my credit report about a collection. The company is reporting a bill that I don't owe without writing me and informing me of the debt. I did not get the opportunity to dispute the debt with them due to them not following fcra rules. I am not obligated to deal with them and they are forcing me to by placing derogatory information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
This company Continental Finance aka XXXX card is fraudulent company. There are no rhyme or reason to there charging. They need to be closed as a company. I feel that if the CFPB allows this company to be open they are an accomplice. This card only has a credit line of {$500.00}. How does someone pay {$110.00} in fees. Is this a starter credit cards for young people? If it is how does a young person have a chance? Is this a card for people who, want to build credit? If so why would someone pay this much in fees. This company is a full of XXXX and are XXXX. The customer service is terrible along with all the hidden charges. I will continue to complain until this company is closed!!!!

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 2021-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC
State: WA

Complaint narrative:
This is another attempt to resolve this matter ; exhausting my remedy prior to taking legal action against LOANCARE and all of its affiliate entities i.e. newrez, etc. On numerous occasions, I attempted to resolve/settle this issue with the LOANCARE ( I demanded proof of a valid contract with Signatures between me and LOANCARE ) but LOANCARE never responded. 

LOANCARE is engaged in FRAUD and CRIMINAL ACTIVITY ; obtained my personal information from various sources ; to create a fraudulent credit account. I NEVER authorized LOANCARE to create a credit account. 

FRAUD : 1. In XX/XX/2019, I became aware of the fraud. 
2. This account was opened without my knowledge and without my consent.

3. I DID NOT request to open this account and I DO NOT have a written agreement to open a LOANCARE account ( no communication ; no signature ).

4. I NEVER made a contract for services or payment to this fraudulent creditor.

5. Numerous occasions, I contacted the fraudulent creditor ( LOANCARE ) to inform them that I do not owe this debt. I demanded that the fraudulent creditor to provide the original ; signed agreement between the Principal and LOANCARE. LOANCARE failed to reply.

For two years, I have been subjected to ongoing fraud, extortion, harassment, conspiracy, and injured ( i.e. negatively impacted consumer credit profile/rating ) directly ; due to the actions of LOANCARE ; who continuously report false and fraudulent information to the three credit reporting agencies.

On four occasions, I disputed the information LOANCARE provided to the three credit reporting agencies. The disputes were futile because my personal credentials were compromised and used to support the fraudulent activity. IRONICALLY, the three credit reporting agencies validated the fraudulent credit account BASED upon my validated personal credentials, which were used to support the fraudulent credit account. 
I NEVER provided any personal information or data to LOANCARE. 
I NEVER agreed two terms and conditions with LOANCARE.

There is NO CONTRACT nor agreement between me and LOANCARE.

I NEVER made a payment to LOANCARE.

DEMAND to fraudulent creditor : Provide the original ; signed agreement ; displaying personal signature.

LOANCAREs operations are unethical and fraudulent and MUST be terminated immediately ; numerous similar complaints posted online.

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THE DEPARTMENT OF EDUCATION KEEPS ASKING XXXX, EQUIFAX, AND XXXX  FOR MY CREDIT SCORE AND THE DEPARTMENT OF EDUCATION, ACCORDING TO XXXX UNIVERSITY, IS TELLING THEM THEY ARE BEING DENIED MY SCORE WHEN THEY INQUIRE ... AND ARE BEING TOLD THAT I HAVE A CREDIT FREEZE, WHEN IN FACT I DO NOT, HAVE A CREDIT FREEZE. THEY ARE ILLEGALLY DENYING MY SCORE TO THE DEPARTMENT OF EDUCATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THE DEPARTMENT OF EDUCATION KEEPS ASKING EXPERIAN, XXXX, AND XXXX  FOR MY CREDIT SCORE AND THE DEPARTMENT OF EDUCATION, ACCORDING TO XXXX UNIVERSITY, IS TELLING THEM THEY ARE BEING DENIED MY SCORE WHEN THEY INQUIRE ... AND ARE BEING TOLD THAT I HAVE A CREDIT FREEZE, WHEN IN FACT I DO NOT, HAVE A CREDIT FREEZE. THEY ARE ILLEGALLY DENYING MY SCORE TO THE DEPARTMENT OF EDUCATION.

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 2021-07-10 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
On XX/XX/2021, I filed a disputes with XXXX, XXXX, & XXXX  in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/2021, I filed a disputes with XXXX, XXXX, & XXXX  in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX Account number- XXXX I have sent 4 letters disputing this account due to its reporting inaccuracy over a 5 month period and have yet to get a response. The account is showing 30 days late for the month of XX/XX/XXXX with XXXX, while showing paid on time with Equifax and XXXX  for that month. Also, Equifax is reporting 30 days late XX/XX/XXXX and paid on time with XXXX  and XXXX  for that month. XXXX  is reporting 30 days late XX/XX/XXXX and paid on time with XXXX  and Equifax for that month. I have checked my records and I have never made a late payment any of these months. In addition to the inaccurate reporting, it has been over 150 days and I still have not received a proper investigation or response to my disputes. This inaccurate reporting is adversely affecting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

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 2021-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: GA

Complaint narrative:
Fed Loan Servicing company manages my school loans, and I have not been able to make payments due to the high payment. I tried to submit applications for different repayment plans, but each plan calculated payments based off income before taxes. We are a family of 6 and depend on one income, but because my husband makes six figures, the payment is too high. The problem is that they calculate payments based off of an amount that we don't receive, and makes it difficult for me to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
All of my credit card payments post within 3-5 days with the exception of XXXX XXXX which is issued by Synchrony Bank. The payments are always due on the XXXX of the month. 

In XXXX, I mailed a check for {$29.00} on XX/XX/XXXX. I had to make a {$29.00} online payment on XX/XX/XXXX to avoid late fees, and my check did not post until XX/XX/XXXX. 

My XXXX payment of {$29.00} was mailed on XX/XX/XXXX. Once again, I had to make a {$29.00} online payment on XX/XX/XXXX to avoid late fees because my check had not posted. 

Synchrony Bank is STILL assessing the blame on the Covid-19 pandemic, which is RIDICULOUS!!!! If all of my other payments are being posted within 3-5 days, then Synchrony Bank has an internal problem that needs to be resolved.

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 2021-07-10 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: TX

Complaint narrative:
These account do not believe to me, I do not recognize these account numbers nor accounts. I believe that i have been a victim of identity thief. 


XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1100.00} opened XX/XX/XXXX XXXXXXXX XXXX {$840.00} Opened XX/XX/XXXXXXXX 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 2021-07-10 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: TX

Complaint narrative:
These account do not believe to me, I do not recognize these account numbers nor accounts. I believe that i have been a victim of identity thief. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} opened XX/XX/XXXX XXXXXXXX XXXX {$840.00} Opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation