vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
There is inaccurate information reporting on my XXXX credit report. I have submitted several disputes online and by mail in regards to this inaccuracy, but XXXX has refused to completely correct the problem, and it seems the company is playing with or " trolling '' my credit score, changing it every couple of weeks by almost 100 points. A company called Affirm Inc. is continuing to report late payments and affects my credit score as if it is an open account. The account is not my responsibility the account was open at a time when I was in college, living with multiple people who may have had access to my information. I have contacted Affirm Inc. to obtain the documentation that would allow me to figure out who may have opened this account, but Affirm refused to provide me with any documents that show I did legitimate business with them, and refused to stop reporting this false information. The account is so old its status should be a closed account in collections. 

On my XXXX credit report it says : Account status : Closed Date opened : XXXX XXXX, XXXX Account type : Unsecured Loan Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date : XXXX XXXX Past due amount : {$390.00} Original loan amount : $ XXXX  Monthly payment : - Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The calendar chart on my credit report has marked C for collection since XX/XX/XXXX. Although details of the account clearly show it should be categorized as a Collections account, Affirm has continually sent new late payment notifications, despite my numerous attempts to contact them. XXXX still treats the account as open, even though the contract has clearly closed and is supposed to be in collections. I have disputed this issue with XXXX and Affirm numerous times, to no avail. Just in the past 2 months, XXXX has used this account to drastically change my credit score multiple times. Most recently, on XX/XX/XXXX, XXXX raised my credit score to a XXXX and completely took the account off of my credit summary. However, when I viewed my entire report, the account still inaccurately appeared. On XX/XX/XXXX I contacted XXXX by phone to begin a new dispute, but rather than properly erase the information, XXXX deducted XXXX points, notified me I had a " new late payment '' and my " payment history rating dropped '' the very same day. I have dealt with the same issue several times since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: VA

Complaint narrative:
There is inaccurate information reporting on my Experian credit report. I have submitted several disputes online and by mail in regards to this inaccuracy, but Experian has refused to completely correct the problem, and it seems the company is playing with or " trolling '' my credit score, changing it every couple of weeks by almost XXXX points. A company called XXXX XXXX is continuing to report late payments and affects my credit score as if it is an open account. The account is not my responsibility the account was open at a time when I was in college, living with multiple people who may have had access to my information. I have contacted XXXX XXXX to obtain the documentation that would allow me to figure out who may have opened this account, but XXXX refused to provide me with any documents that show I did legitimate business with them, and refused to stop reporting this false information. The account is so old its status should be a closed account in collections. 

On my Experian credit report it says : Account status : Closed Date opened : XXXX XXXX, XXXX Account type : Unsecured Loan Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor & XXXX ; XXXX internal collection department Status date : XXXX XXXX Past due amount : {$390.00} Original loan amount : $ XXXX Monthly payment : - Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The calendar chart on my credit report has marked C for collection since XX/XX/XXXX. Although details of the account clearly show it should be categorized as a Collections account, XXXX has continually sent new late payment notifications, despite my numerous attempts to contact them. Experian still treats the account as open, even though the contract has clearly closed and is supposed to be in collections. I have disputed this issue with Experian and XXXX numerous times, to no avail. Just in the past 2 months, Experian has used this account to drastically change my credit score multiple times. Most recently, on XX/XX/XXXX, Experian raised my credit score to a XXXX and completely took the account off of my credit summary. However, when I viewed my entire report, the account still inaccurately appeared. On XX/XX/XXXX I contacted Experian by phone to begin a new dispute, but rather than properly erase the information, Experian deducted XXXX points, notified me I had a " new late payment '' and my " payment history rating dropped '' the very same day. I have dealt with the same issue several times since XX/XX/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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2022 To somebody who can help me. I am very upset about the erroneos things I see on my cradit report. These accounts are unverifiable, invalid, inaccurate and questionable. If all information reported on my report is not 100 % accurate, it must be removed. I hope you can find out what's going on and locate who the inaccurate information belongs to. Can you expedite this quicly? It is my to understanding, that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within XXXX days of the receipt of this letter. According to the law unverifiable, innaccurate, accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help with this matter. 

XXXX. Billing error XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is outdated and shouldn't be on my credit XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 




Sincerely, 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 2022-02-04 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: National Credit Systems,Inc.
State: MD

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} XXXX {$14000.00} XXXX  XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX-Balance {$0.00} XXXX-Balance {$14000.00} XXXX XXXX-Balance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
US DEPT ED XXXX {$7300.00} US DEPT ED XXXX {$5900.00} US DEPT ED XXXX {$2800.00} US DEPT ED XXXX {$1800.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-04 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: MI

Complaint narrative:
I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$6900.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX : {$1800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/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 2022-02-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My Issue is that my credit score which access through my bank 's application show different figures than what a Mortgage company recently run my credit score as I'm applying for Mortgage, to more clarify the Issue, my credit score that I see on my XXXX XXXX  APP SHOWS THAT MY SCORE IS XXXX ALSO MY SCORE WHICH I SEE ON THE CASE BANK APP IS XXXX AND THE SCORE I SEE ON XXXX  XXXX APP SHOWS XXXX BUT WHEN i APPLIED FOR MORTGAGE THROGH A MORTGAGE COMPANY CALLED GURANTEED RATE AFFINITY THEY ADVISED ME THAT MY CREDIT SCORE IS XXXX THROUGH EXPERIAN, THIS IS REALLY CONFUSING BECAUSE ITS ALMOST XXXX POINTS LESS THAN WHAT I SEE ON MY BANK 'S APPLICATION I REALLY NEED EXPLANATION AS THIS IS AFFECTING MY LIFE DUE TO THAT FACT THE MORTATGE COMPANY MADE ME XXXX IN FHA LOAN ONLY FOR CERTAIN AMOUNT THAT CAN'T QUALIFY ME TO FIND A HOUSE TO LIVE IN I REALLY NEED TO KNOW WHAT IS MY REAL SCORE IS THIS THERE IS A BIG GAPE BETWEEN WHAT THE BANK APPLICATION SHOWED ME AND THE MORTGAGGE COMPANY. 
IF I HAVE A PROBLEM ON MY CREDIT REPORT THEN I NEED IT TO BE FIXED HOWEVER IF MY CREDIT REPORT IS MATCHING WHAT MY BANK 'S APP SHOWS THEN I NEED A PROVE WHICH IS GOING TO HELP GET MY PREAPPROVAL OF THE MY MORTAGAGE RAISED AND CONVERTED TO CONENTIONAL LOAN

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 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX 2-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/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 2022-02-04 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-02-04 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: CBC Companies, Inc.
State: AL

Complaint narrative:
We sold our home to a buyer on XXXX or XX/XX/2020, and the mortgage company XXXX XXXX is reporting that we foreclosed on the home, then XXXX XXXX put this incorrect and inaccurate information me and my spouse 's credit report, according to the XXXX XXXX report. This incorrect and inaccurate information is preventing us from getting another Home Loan with several companies waiting for this information to be removed. We have already lost two or three homes we were interested in purchasing, but XXXX XXXX 's incorrect and inaccurate information continues to impact and hinder this process. 

We have all the documents and forward them to XXXX XXXX, but it appears the left-hand does not what the right hand is doing. In fact, we were told by a loan officer that XXXX XXXX did not know the loan was paid in full. This only requires checking the acct. number, unless their XXXX system is not providing the correct about home Mortage accounts. I don't buy it! This is a dishonest practice by this company and I am almost sure they are doing this to many other homes mortgaged accounts with XXXX XXXX. 

We have provided them with all the documents, yet they prefer to do nothing. 
Please us get this resolved as soon as possible. I will be reaching out to my personal lawyer as early as next week!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On or about XX/XX/2021 I opened up a savings account with TD Bank. They had a promotion which would give you {$200.00} if you deposited {$20000.00} in their savings account. I did this but never received the promotion. The terms of the the agreement were as follows. You must have kept the money in for over 90 days you couldnt have received a promotion from a savings account at any time. I comply with all of these requirements. The bank stated that I had to be Offered this promotion however this is not true and its not listed in any of the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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