vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
In XXXX of XXXX we moved into an apartment in XXXX called XXXX XXXX that was no where near ready for occupancy. We contacted the apartment manager as well as the corporate office several times with complaints about the structure, carpet, AC Unit, appliances, etc. We took photos of black mold in the AC Unit and window sills, cockroaches, our vacuum chamber that was filled twice ( we had only been there 1 day at that point ) and dirt on the inside of the patio door. This apartment was in severe disrepair with a pest problem that never got solved. During our stay, we noticed that other residents were having the same problems which were published on XXXX and a few we spoke to also had poor feelings toward their apartments. We documented everything and took screenshots every time we put in a work order. We took photographs of everything when we moved in and they still tried to say nothing was wrong. We finally moved out in XXXX of XXXX after over a year of complaints to the office. We had told the district manager at the time ( in XXXX of XXXX ) that our carpet was disgusting and needed to be replaced prior to our move in. They denied it and said the carpet had been steam cleaned and vacuumed before we moved in. This was absolutely a lie. We are now being harassed by Hunter Warfield for collection monies that are erroneous to our situation since we had already put in complaints that the apartment was disgusting when we moved in. We are not going to pay for a carpet that was in disrepair, needed to be replaced prior to move in and that was denied by management during our stay. We had nothing but problems with this apartment complex and do not recommend it to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a confirmation that I am disputing several fraud inquiries on my Experian report. I tried to get a solution in the past. I sent Experian a letter requesting to get those inquiries removed because they are killing my credit score, however I was ignored. 

All I am asking is a fair solution to this big issue : get the inquiries removed from my report. I have attached a document. Please send it to Experian. Thank 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 non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After our review, we found that the best agency to help you with your issue is DEPARTMENT OF EDUCATION. If you would like to submit your complaint with DEPARTMENT OF EDUCATION, contact them directly at or call. 

I was able to contact them, and they did not have the information from the loan servicing company that's on my credit report. Thus the reporting agencies are not able get the information as well. I gave you the only information that able to get due to the company closing.

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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After our review, we found that the best agency to help you with your issue is DEPARTMENT OF EDUCATION. If you would like to submit your complaint with DEPARTMENT OF EDUCATION, contact them directly at or call. 

I was able to contact them, and they did not have the information from the loan servicing company that's on my credit report. Thus the reporting agencies are not able get the information as well. I gave you the only information that able to get due to the company closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Synovus Bank
State: IL

Complaint narrative:
Somebody tried to put a credit card in my name I did not apply for the credit card and it is now on my credit bureau and affecting my credit score it is called first progress and several other credit companies have inquired about my credit and I did not authorize this to happen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a confirmation that I am disputing several fraud inquiries on my TransUnion report. I tried to get a solution in the past. I sent TransUnion a letter requesting to get those inquiries removed because they are killing my credit score, however I was ignored. 

All I am asking is a fair solution to this big issue : get the inquiries removed from my report. I have attached a document. Please send it to TransUnion. Thank 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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
The lender, Amerihome Mortgage erroneously submitted a delinquent account for the period of 180 days in XXXX of which the account holder/borrower was in forbearance due to hardship of pandemics. This adversely affect my ability to apply for a new loan to purchase a home. The loan was subsequently paid off when I sold the property last XX/XX/XXXX. 

I tried to call them for assistance but is unable to get a definite answer as how they going to fix the report in the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Payments on Account # XXXX were made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for more than the minimum amount due each month and more than enough to satisfy any fees on the account. I was in contact with XXXX XXXX through phone and chat confirming that my account was in good condition and that the issue was on their side. I also requested that an investigation be opened to find out why my account was accelerated for the full note in XXXX which was more than the agreed upon monthly minimum payment. Representatives confirmed with me that there was an issue and that the issue would be resolved and that I am current on my loan. XX/XX/XXXX was the final payment for the loan and in XX/XX/XXXX, my credit record was hit for two late payments in XX/XX/XXXX and XX/XX/XXXX. I have since disputed this multiple time with all three credit agencies. Secondly, anyone can pull my credit record now and clearly see the payment history on this account and it will show payments ( more than minimum ) received in the same months that are reporting late, how is that even possible? I made every single payment on this account including interest and fees on time from XX/XX/XXXX to XX/XX/XXXX, and I was never 30 days or more late ever. XXXX XXXX manipulated the amounts by accelerating the account for the full loan payment without prior communication and representatives fail to document disputes and / or disputes were erased and never investigated.

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 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened dispute to fraud at XXXX on XXXX. I don't reciving the item and this company say they send at my address by XXXX, when I don't reciving talk to XXXX and check the tracking number the guy on GPS say no delivering on my address but him can't tell where delivering. Open a case in XXXX and I lost it, the company XXXX said that it had sent it to my address but that is false. 
And I open a claim to fraud in CHASE CREDIT CARD with the : CLAIM ID : XXXX And the same result the CHASE believed the defendant than the defrauded, they told me, they had asked the TOMMIGOODWI questions, but they never checked with XXXX for know the truth. 
The amount on dispute is {$51.00} XXXX tracking # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been disputing this account since XX/XX/2020 and asking for the account on my credit report to be verified according to federal law though physical verification of the original signed consumer contact. The investigation took well over 30 days and came back verified with NO proof of contact. This company continues to knowingly violate my rights to Fair Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The lender, XXXX Mortgage erroneously submitted a delinquent account for the period of 180 days in XX/XX/XXXX of which the account holder/borrower was in forbearance due to hardship of pandemics. This adversely affect my ability to apply for a new loan to purchase a home. The loan was subsequently paid off when I sold the property last XX/XX/XXXX. 

I tried to call them for assistance but is unable to get a definite answer as how they going to fix the report in the credit bureau.

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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is falsely reporting late and past due payments to credit bureaus. In addition to false reporting, as of XX/XX/2021, I am participating in XXXX 's payment program that reduced my monthly payment. The first payment due on XXXX 's program and as agreed to was XX/XX/2021 in the amount of {$250.00}. I made the {$250.00} payment. As of XX/XX/XXXX, I received harassing phone calls from XXXX stating they were attempting to collect a debt. During the call with XXXX, I asked why are they calling when I'm participating in their payment program and I made the first payment. The response was that I missed back payments on the program. I replied that is a lie because the first payment on the program was due XX/XX/XXXX. The XXXX staff acknowledged my payments and stated they are requesting an additional payment while on their payment program to bring the account current. What's the point of a payment program when the retailer does not honor the terms and condition of the program or the payments received? XXXX continues to falsely report past due and late payments in a malicious and unlawful manner. There are no missed payments so there is no past due amount or late payments. My payments are made on time every month.

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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: T.S. Holdings
State: CA

Complaint narrative:
Since XX/XX/XXXX I have been working on getting my credit in great standing to buy a house. In this time I have been strictly repairing my credit. With verification letters being sent out first. I have yet to receive any information or updated status on this account. Status dates have not change since 2019 on this account which means the account was not investigated but said to have been verified and continues to report on XXXX and XXXX. I.Q. Data International Inc. hasnt responded to the dispute and failed to launch an investigation into this account within 30 days which is required by the Fair Credit Reporting Act Section 611. XXXX and XXXX  are reporting different information, one shows the account has been sold to IQ Data and another shows its has not been sold. In one of the attached photos you will see That Monarch is reporting as the collection and original creditor with no consumer dispute added, which means no investigation has been done and multiple violations of the FCRA. I am requesting that this inaccurate information be deleted from my credit file immediately. I.Q. Data International Inc. has violated federal laws and continue to report negative information on my file without launching an investigation that is required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There is incorrect information on my reports with XXXX and Equifax pertaining to status dates of four accounts that were included in a Bankruptcy last year, XXXX XXXX. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for Chapter 13 bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate XXXX XXXX accounts, and XXXX XXXX finance, and XXXX XXXX XXXX XXXX. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter 13, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
There is incorrect information on my reports with XXXX and XXXX pertaining to status dates of four accounts that were included in a Bankruptcy last year, XX/XX/2020. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XX/XX/2020.. when I filed for Chapter 13 bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate XXXX XXXX accounts, and XXXX XXXX finance, and XXXX XXXX XXXX XXXX. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter 13, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is 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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: MD

Complaint narrative:
There is incorrect information on my reports with XXXX and XXXX pertaining to status dates of four accounts that were included in a Bankruptcy last year, XXXX XXXX. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for Chapter 13 bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate Lending Club accounts, and XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter 13, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
On XX/XX/2020, Enhanced Recovery Co. added a derogatory mark on my credit report. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Enhance Recovery CO has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is inaccurately reporting that I agreed to a one month term with them which I did not. Despite that they have and continue to report on my credit reports that a one month term exist. I have done plenty of research and know according to the fcra, everything is to be reporting completely accurate in it's reporting.

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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is inaccurately reporting that I agreed to a one month term with them which I did not. Despite that they have and continue to report on my credit reports that a one month term exist. I have done plenty of research and know according to the fcra, everything is to be reporting completely accurate in it's reporting.

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