vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital one has been very crooked through this whole process. 
I called to speak with a representative to discuss options to pay an alleged past due amount and she literally laughed at me over the phone and said " capital one doesn't negotiate on past dues. '' This is after a severe medical emergency forced me to lose my job which was also explained to Capital One. 

I was then told that " if I pay the debt collector even if I dispute the amount, that it will come off my credit report and not show as negative. '' I borrowed money from my mother to make this payment and even though Capital One has written of the debt and got tax benefits from this they are illegally stating on my credit report that I have a " paid charge off. '' I do not even think they legally have a claim to the debt at all since they charged this on taxes back to the US government.

They have different information listed on all three credit agencies and flat out lied to me to get me to pay this that they have already received credit for on taxes. 

I want them to provide me with dates and information regarding this alleged account as well as an explanation to how they can " double dip '' in the system and charge me as well as the goverment for this debt while lying all the way to the bank. 

They know they are a large corporation and they see themselves as untouchable and above reproach. When I call to try to speak with them they shuffle me around for an hour on the phone and then drop the call or just say they can't do anything. 

There is no consistent reporting. This is not a late account, they do NOT own this alleged debt and they are falsely reporting to all three credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: WI

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: NJ

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
My monthly car payment is and has been set to come out of our account on the XXXX of every month via auto-pay. I have not missed a payment for a year. My husband misplaced his debit card end of XX/XX/2021, and when he went to get a replacement card I did not realize it automatically turned auto-pay off for our car note, seeing as our bank account information was included in the auto-pay and not just the debit card. XX/XX/2021 the auto-pay never went through, which I was completely unaware of as I had just had a baby 4 days before, the last thing on my mind was checking my account to make sure the auto-pay went through as it has for the past year. We did not know the bill was late or hadn't gone through since we did not receive any calls from the company until after XX/XX/2021. As soon as we found out the auto-pay hadn't been paid for 60 days we quickly paid the bill for both months and got caught up seeing as the money was sitting in our account all along. However, this has effected our credit score drastically as they reported two missed payments in the last 60 days and I feel these late payments need to be removed.

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 2021-11-10 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:
This account is with XXXX XXXX XXXX, it is outdated and out of the statute of limitations to report this debt. I have ask the credit bureaus and the creditor to remove this tradeline due to this inaccuracy.

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 2021-11-10 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: Westlake Services, LLC
State: CO

Complaint narrative:
This account is with XXXX XXXX XXXX, it is outdated and out of the statute of limitations to report this debt. I have ask the credit bureaus and the creditor to remove this tradeline due to this inaccuracy.

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 2021-11-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is an incorrect Bankruptcy listed on my XXXX and Experian credit reports, I believe it belongs to somebody else who has a similar name to me and has been mistakenly placed on my reports. I have been disputing the error with the bureaus since XXXX of XXXX, but they have not removed it. I have done my research and I know that the courts do not report or verify information with the bureaus so I requested that the bureaus provide information on where they got the Bankruptcy info from. XXXX responded once in XX/XX/XXXX, stating that they got the info from XXXX. I know this is impossible because XXXX confirmed to me over a year ago ( In XXXX of XXXX ) that they investigated and found the bankruptcy to be an error, resulting in its removal ( see attached document ). Experian has never responded to me even once, despite my monthly disputes sent via certified mail. Not responding is a violation of FCRA regulations.

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 2021-11-10 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: FL

Complaint narrative:
On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail 3 weeks later from XXXX stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my weekend gathering all the documents to receive a mail like that. I am extremely upset. I have been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.

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 2021-11-10 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureau is reporting inaccurate information on BARCLAYS BANK DELAWARE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-11-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been disputing the following account : XXXX XXXX Account Number : XXXX On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I can still see it in my credit report. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. Misleading False Reporting : This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a partial account number which I will disclose later. I request my credit report and through it I learned there is a fraudulent loan reporting on the credit bureaus without my knowledge and authorization. The company that shows for is XXXX and claims that I am indebted to them {$5600.00}. While checking the credit report, I discovered this loan account was opened on XX/XX/2020 and the charges are still on-going with charge-off balance. This amount that is stating on my credit report and the loan account does not belong to me. I conducted some investigation and it led me to conclude that my personal information has been compromised because this is the work of an identity thief ( s ). I have never associated with this financial institution which bring me to the conclusion that my identity was used by unknown individuals that used and benefitted from services or good and monies on my behalf without my knowledge and consent. I have disputed the account with the creditor and with the credit reporting agency that this account is not mine and I am not associated with them. Yet, they refuse to take any action that of removing the fraudulent account from my credit report and my records entirely. This complaint today is being filed with the CFPB to inform the negligence of duty by the credit bureaus and the creditor as well. I have filed for an immediate block of this fraudulent account immediately upon learning of the existence of this account. Therefore, with this official complaint, I request from you federal agency to take an immediate action against the credit bureaus and the creditor as well to immediately initiate the block process to remove this fraudulent account permanently from my credit report and from my records. Additionally, the creditor must remove my personal information from their databases due to consumer privacy matter. I do not want my personal information to be shared with an unknown entity without my knowledge and permission.

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 2021-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally Bank is Violation of the Fair Debt Collections Practices act Law as well as fraud. I wrote to this company several months ago, requesting Verification. They did not respond back to me in the allowed time frame the law allows ( 30 days ), and still continued collection activity. They have committed Fraud and Broke the Law, as well Violated My Consumer Rights.

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 2021-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I XXXX XXXX XXXX XXXX give Navient the authorization to respond to this complaint. 

Navient was asked to send specific documentary evidence the Original Promissory Note, Account Ledger, Books, and Records of where the account was funded the Audit Trail and whom that money was sent to because I never physically touched any check or money to pay for any education also Navient is operating and collecting information and disbursing information on an expired OMB No. They have no extension or new filing for the promissory note this information was obtained from reginfo.gov which I've added to my exhibits of unfair practices to collect information and collect on an alleged debt. Also I am revoking my alleged agreement be sold to a new company I do not give my consent for Aid vantage to obtain any of my personal documents or public documents social security number alleged agreements etc. I advise Navient to XXXX out all accounts and leave it in good standing if they can not produce the Original documents signed by the two parties. Navient also lied to me and said they are a government entity when they are in fact only a servicer third party to the government entity!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I found out there is an account that does not belong to me. I never applied nor agreed to terms with this XXXX company. I contacted them about this information. I had just purchase my home, and started receiving forwarded mail from an address Im not associated with for a bill from XXXX. I do not own this account nor did I agree to any terms with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've sent disputes to Transunion regarding 6 inaccurate accounts on my credit report. I sent two letter on XX/XX/2021 and XX/XX/2021. I have not received any results in the time allowed. Below are the accounts I asked Transunion to delete from my credit report for inaccuracies : 1. XXXX, Account Number : XXXX 2. XXXX XXXX, Account Number:XXXX 3. XXXX XXXX, Account Number : XXXX 4. XXXX, Account Number : XXXX 5. XXXX XXXX, Account Number : XXXX 6. XXXX XXXX XXXX Account Number:XXXX 7. XXXX XXXX, Account Number : XXXX 8. XXXX XXXX XXXX, Account Number : XXXX 9. XXXX XXXX, Account Number : 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 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I had not thought of asking CFPB for help. However, I received the following email from a XXXX Banking agency : Dear XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is the regulating authority for state-chartered institutions in the XXXX of XXXX. TD Bank is not a state-chartered institution, but rather a federally chartered institution, as a result, TD Bank falls outside the Division 's regulating authority. TD Bank is regulated on the federal level by the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB may be reached at XXXX or at the address listed below : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.consumerfinance.gov ( F ) ( XXXX ) XXXX The Division appreciates your correspondence and hopes that this matter can be resolved with the appropriate regulating authority. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following is the email I had sent to them : Have Checking Account with TD Bank. Ordered checks from their required source XXXX XXXX on XX/XX/XXXX and received email confirmation from XXXX. 
Unfortunately, they do not accept replies. Was unable to login to my TD Bank account. Could not even change my password. Wrote a letter to the Manager of the TD Bank on XXXX XXXX in XXXX, on XX/XX/XXXX ( attached ), where I had established the account. No response other than ignoring my letter. 

XX/XX/XXXX ( attached ) wrote a letter to TD Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, XXXX  XXXX, with Ccs to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. I did not expect a response from your office because I specified that I was not asking for help. I incorrectly presumed that one of the companies would help. Both TD and XXXX XXXX have ignored my correspondence. 

I have not attempted to call because I have profound hearing loss. 
Please help! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Rushmore Loan took over servicing of my mortgage and discriminated against me. They refused to honor previous modifications they refused to verify the debt claiming I did not owe it because it was discharged in bankruptcy, Affirmations verifying the debt were inaccurate according to their own filed documents. When I called about the modifications that they were supposed to honor they claimed they were not valid that payments were not received despite the fact the ledger from the previous servicer listed them. They claimed they needed my copies of payments which I sent only to have their employee tell me they did not have to honor it and that if I wanted to keep my home I should learn to pay my bills.

They have recorded the 3 payments for the first modification and 2 payments for the 2nd modification and a letter stating an agreement for a modification from XXXX. The modification payments were never applied to the loan and when a ledger was requested from Rushmore they sent one so small no one could read it they only sent one I could read after they filed for judgment. They have purposely continually discriminated against me despite the fact that I am more than able to make payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
This collection company started reporting on my credit without any written notification prior to reporting. This is not my debt, I was able to get the original creditor removed from my report and did not have a chance to dispute with the collection agency prior to them reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
I went to apply for a loan and was denied. The credit report showed a bankruptcy. I ordered my report from LexisNexis and there are multiple inaccuracies on the report. The main thing is they list a bankruptcy showing on my report, I called the clerk at the court and she said they have no record and I asked them how can this be put on my credit file? She said LexisNexis was the company that sells public record information to the credit bureaus. I disputed with all 3 credit bureaus and they all came back saying this information was validated through LexisNexis. LexisNexis states they verify this information through the court so I called the clerk at the court again and she stated that they do not verify court case information and how could they verify something that isn't there. So now I am requesting LexisNexis to delete the bankruptcy information from their report as it is erroneous and they have zero proof of validity of the information. this has caused different financial institutions to deny me credit and also close active accounts that I have. This has to be some sort of violation of law for a company to sell/furnish/publish information that is not accurate to companies that use this information for credit/employment/housing/insurance/etc. I am going to consult an attorney because this is terrible how much money I have missed out on by the misrepresentation of LexisNexis data and almost lost my security clearance for the same reason.

Company response to consumer: Closed with explanation