vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-20 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: OK

Complaint narrative:
Hello, you are reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. 

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts that you are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020. 

I am simply requesting that the credit reporting agencies properly verifiy accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've logged into my bank of America EDD account numerous times,  suddenly passwords, username info etc doesn't get me into my account, nothing works period

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 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I wrote the company a letter requesting validation of debt, this was XX/XX/2020. 
I requested the credit bureaus to validate debt and the pandemic happened and I received no answer. 
I tried calling in XXXX I was told that they would remove the debt and I wasnt liable. It was removed from XXXX  but it remains on XXXX  and XXXX. And it shows on XXXX  twice with different dates. 
Several years back this company place this on my report and I had it removed. Just for them to change dates and put it back. Very unfair

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 2020-06-20 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On or around XX/XX/XXXX I received a call from a PI regarding my auto lease of a XXXX XXXX XXXX. Account was not late, I was provided the incorrect account number by an overseas representative. I was facing a repossession for payments that were made to an account that was not mine. I was promised all late fees were going to be removed as well as the derogatory marks made on my credit. I was told over a recorded line by a rep in your repo department that I should place the car in my garage until the payments can be taken from the account I paid and be credited to my account. He said this would take 24 hours. I had to call out of work the next day so my car did not get repossessed and I could leave it in the garage. I drove around hopeless for 2 hours on the phone as I feared stopping the vehicle and getting it taken from me for making my payments. Fast forward, my lease is messed up and the account stays in a derogatory state. They made me make a payment the night I spoke to them but the payment was always a month behind. I understand there was excess wear and tear and over mileage on the vehicle. On the bill there is a repossession fee ( vehicle was never repossessed ), late fees that were promised to be waived, and one remaining payment which was made. I am not willing to pay these fees. 
I will be willing to pay the mileage and wear and tear fees at a settled amount to remove the balance off my credit and show the lease as 100 % satisfied. I have done multiple disputes with nothing back. The information shows different on each bureau as well.

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 2020-06-20 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: NV

Complaint narrative:
These are not my accounts, addresses, names on file, nor did I authorize any of these companies to pull my credit.

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 2020-06-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Medical All the accounts above I was a joint card holder, I need all 3 credit Bureaus to fix the error we are now on month 3 with no resolution. It caused me to loose my score that I was building up and when I addressed the score that is reporting incorrect due to their own error, they told me to work with a credit consultant. So now I have to hire someone to fix their mistakes? Then all my accounts that were closed were suppose to be removed under agreements. They do not want to do a proper research and correct the issue nor my score. This has caused me to be rejected for credit and loans that I need to support my household.

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 2020-06-20 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: OK

Complaint narrative:
Hello, you are reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. 

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts that you are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020. 

I am simply requesting that the credit reporting agencies properly verifiy accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.

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 2020-06-20 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: OK

Complaint narrative:
Hello, you are reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. 

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts that you are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020. 

I am simply requesting that the credit reporting agencies properly verifiy accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.

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 2020-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital System has been reporting a collection account on my credit reports for {$390.00}, this has been on my credit since XX/XX/2018. I have sent letters advising I was victim of Identity theft, and they never furnish information to confirm this was my account. They need to delete this account from all my credit reports. I am in the process of purchasing a home and this looks bad for a mortgage and my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: NV

Complaint narrative:
These are not my accounts, addresses, names on file, nor did I authorize any of these companies to pull my credit.

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 2020-06-20 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: NV

Complaint narrative:
These are not my accounts, addresses, names on file, nor did I authorize any of these companies to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
ONCE AGAIN. CREATIVE FINANCE! Improper credit application of returned merchandise to wrong promotional balance. I purchased an item that was returned and the promotional balance expires XX/XX/XXXX. The credit was applied to a balance that expires in XX/XX/XXXX - thereby FORCING me to pay more of my balance sooner to avoid interest. Customer Service account manager REFUSES to explain HOW an item purchased XX/XX/XXXX ( A freezer ) that is STILL ON ORDER and NOT DELIVERED has a promotional balance now of {$270.00}. Other items returned and credit of items is incorrectly posting to promotional balances. Customer Service is blaming the actual store for this error, which there is no way a store would know if I had a promotional balance or of what amount at the time of a return. 

WHEN IS SYNCHRONY BANK GOING TO GET FINED AND PUT OUT OF BUSINESS FOR THEIR EGREGIOUS FINANCIAL HANDLING. EVERY XXXX ACCOUNT I HAVE ISSUES WITH IT IS SYNCHRONY. THE CREATIVE FINANCE BANK.

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 2020-06-20 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: GA

Complaint narrative:
This isn't my account. Please remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: GA

Complaint narrative:
This isn't my account. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Medical All the accounts above I was a joint card holder, I need all 3 credit Bureaus to fix the error we are now on month 3 with no resolution. It caused me to loose my score that I was building up and when I addressed the score that is reporting incorrect due to their own error, they told me to work with a credit consultant. So now I have to hire someone to fix their mistakes? Then all my accounts that were closed were suppose to be removed under agreements. They do not want to do a proper research and correct the issue nor my score. This has caused me to be rejected for credit and loans that I need to support my household.

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 2020-06-20 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: NC

Complaint narrative:
The recently received a copy of my credit reports from all three bureaus were XXXX XXXX XXXX reports a debt on behalf of XXXX XXXX I requested a validation of debt from XXXX with no response then I filed a compliant with the CFPB were XXXX reposed by providing what they say is proof of debt the problem is 1 .... The consent to treat is dated XX/XX/XXXX ( which is typed ) and also signed and is a outpatient consent to treat ... ..since there was a hospital stay according to the bill there would be a consent to treat from the hospital stating inpatient consent the form provided is clearly a form from a regular doctor visit and even lists my primary care doctor 2. The responsible party name in the consent form is XXXX, XXXX XXXX 3. The bill provided shows a Date of service as XX/XX/XXXX to XX/XX/XXXX ( Which doesnt match the consent to treat form dated nearly a year ahead of date of service ) 4. visit number is XXXX according to the bill however the consent form reference number XXXX 5.The collection number did not provide proof that they were hired to collect on behalf of XXXX XXXX 6. I Do NOT have a contract with the collection company namely XXXX Since XXXX wasnt contracted by XXXX XXXX and purchased the alleged debt the fact that they provided my hospital bill is a HIPSA violation It is crystal clear that these documents do not correspond with one another which means that the collections company has not met the guidelines for validation of this debt and must REMOVE all negative derogatory items reporting on my credit file in regards to this collection Item I have attached the consent to treat provided by XXXX  I have attached the hospital bill provided from XXXX Previous response to CFPB compliant number and documentation attached

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 2020-06-20 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: GA

Complaint narrative:
This isn't my account. Please remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: NE

Complaint narrative:
Transunion credit bureau is reporting a balance of {$54.00} with The XXXX  XXXX XXXX  on my credit report. This information is inaccurate, I made a payment with my debit card on XX/XX/XXXX for {$54.00}. That payment brought my account to a XXXX  balance.

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 2020-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company
State: FL

Complaint narrative:
XX/XX/2020-started our mortgage process with DR Horton XXXX XXXX - applying for a va loan ( husband is XXXX XXXX military ) -our anticipated closing date is XX/XX/2020 XX/XX/2020- refinanced one of our vehicles to help with our debt to income ratios. $ XXXX/month to $ XXXX/month. In addition pay off a small credit card balance. Done. 
-At this point things seem to run smoothly Communication between all parties have been flowing. 
XX/XX/2020- Confirming documents, asked clarification for student loan debt ( {$4600.00} ) if it will affect our mortgage approval. Our loan team said no. 
XX/XX/2020-Our closing disclosures have been signed and sent back to the loan officers we are waiting further instructions regarding closing day details. 
XX/XX/2020- Our loan officer called us saying we need to pay off the student loan listed above. 2 days prior to our closing date. At this point I think they were forcing a scar tactic on us to just walk away. However they said the VA underwriter flipped our loan from approval to conditional due to this one debt not being payed off. In the email they sent us was to create a money order for {$5.00} to pay off the student debt. Obviously this amount doesnt match the loan amount above. Due to this new requirement for us to close they insisted we bring our form of payment to the close on XX/XX/XXXX. 
Between XX/XX/XXXX-XX/XX/XXXX We were not given new closing disclosures to sign and send back. 
XX/XX/2020- I wrote the loan team back asking for new disclosures to review the closing amount. 
XX/XX/2020-Loan teams response was they couldnt send them out to us by the end of the business day. 
XX/XX/2020- Our loan was approved again. Still no new disclosures and were told to bring a check to closing to cover the debt. The loan company will write their own check to the student loan company and pay it off.XX/XX/2020-Closed on our home. We brought a cashiers check for {$4700.00} to the loan company. Given a check back for the remaining balance was not used for {$730.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: FORD MOTOR CREDIT CO.
State: NV

Complaint narrative:
My son co-signed for me for a car with Ford Motor Credit Company. I stopped paying the car and Ford took it and sold it without asking my son if he wanted to take over the payments. My son wrote many letters to Ford Motor Credit Company about this, he asked them to send him proof of the letter they " allegedly '' send him to take over the payments. They never send him a copy of the letter because they don't have it, instead they send him goodwill emails that he " allegedly '' send them apologizing, why would he apologize? he did nothing wrong, he never had the opportunity to take over the payments. The goodwill emails that he " allegedly '' send to them are false, they were not signed by my son. My son and I are very tired of this situation, I hope once and for all you guys send him a copy of the letter that you guys " allegedly '' send him to take over the payments before the car was repossessed or remove this account from his credit report. He has noting to do with this, I was the one who stopped making payments, he didn't know anything about it.

Company response to consumer: Closed with explanation