vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 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: NY

Complaint narrative:
I do not recognize XXXX XXXX inquirie on my credit profile XXXX, XXXX and Experian.

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 2022-01-26 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: CT

Complaint narrative:
Evaluate these accounts reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why there are {$8100.00} and {$15000.00} balance indicating if them are charge off account. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8100.00} ;

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 explanation
Consumer complaint received 2022-01-26 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: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

BMW FINANCIAL SERVICES XXXX Date Opened : XX/XX/2019 Balance : {$73000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: GA

Complaint narrative:
Greetings, I noticed a change in my credit report around XX/XX/XXXX where XXXX had reported XXXX student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under XXXX ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the XXXX XXXX settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by XXXX XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the XXXX, XXXX and Transunion with no luck as they stated that XXXX certified the account as if their information is accurate. I dont understand why they credit agencies determine at XXXX XXXX as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Greetings, I noticed a change in my credit report around XX/XX/XXXX where XXXX had reported four student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under XXXX  ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the XXXX XXXX settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by XXXX XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the XXXX, Equifax and XXXX with no luck as they stated that XXXX certified the account as if their information is accurate. I dont understand why they credit agencies determine at XXXX favor as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: GA

Complaint narrative:
Greetings, I noticed a change in my credit report around XX/XX/XXXX where XXXX had reported four student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under XXXX  ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the XXXX XXXX settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by XXXX XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the Experian, XXXX and XXXX with no luck as they stated that XXXX certified the account as if their information is accurate. I dont understand why they credit agencies determine at XXXX favor as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.

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 2022-01-26 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: OH

Complaint narrative:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

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 2022-01-26 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I paid for an appraisal for a home via Wells Fargo. Wells Fargo picked the appraiser, which was okay at the time. 
After 6 weeks I had yet to receive my appraisal and made a big fuss about it. A week or 2 later, an incomplete appraisal was delivered to me. It is missing the appraised value of the house and I reached out to the mortgage team who kept telling me some repairs have to be done. I kindly advised that repairs or not, the appraisal should show the value of the home at that point. 
Up until today, a completed appraisal has not been given to me. 
I have attached the appraisal I was sent and you will see the value of the surrounding homes are present. The value for my appraised property is fuzzed out.

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 2022-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On or about XX/XX/2021, consumer sent letter to Transunion followed with FTC identity theft report of inquiries on consumer 's credit report which do not belong to consumer.

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 2022-01-26 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: LEXISNEXIS
State: CA

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AVANTE
State: FL

Complaint narrative:
This company has been charging me a balance for a year with different collection companies. I make the complaint and the credit company removes it and a few days later they come back again with the same account but with another collection company. On XX/XX/2021 they placed it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage is double dipping on collecting payoff amount by considering increased value due to improvements made and not giving credit for invoices and cancelled checks as evidence that I paid for these. They previously verified improvements on XX/XX/XXXX and had their Appraisal that can be matched to see the subject did not have the new improvements made and verified with new appraisal in XX/XX/XXXX. Ive requested to speak with Supervisor as my payoff request has not been completed in almost 30 days. They are taking advantage of improvements made after XXXX by using the new value and requesting due to pandemic worldwide use the new value that confirms improvements made

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: CA

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-26 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: CT

Complaint narrative:
Evaluate this account reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why there is {$810.00} balance indicating if it is charge off account. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$810.00} ;

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 explanation
Consumer complaint received 2022-01-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On or about XX/XX/2021, consumer sent letter to Equifax followed with FTC identity theft report of inquiries on consumer 's credit report which do not belong to consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

AMERICAN HONDA FINANCE XXXX Date Opened : XX/XX/2020 Balance : {$24000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
For a long time now, I've been trying to purchase a home. I've been monitoring my credit scores frequently. My fico score shown on the Experian website was near XXXX. I decided to give Experian XXXX a try and accidentally added my husband 's information. I immediately disputed it as I had thought I was signing on to my information. Today XX/XX/2022, I notice that the score went down around XXXX points. I decided to give Experian a call as they are the ones who reported and the system shows me several reasons as to why it might go down. One of the major changes it found was that my available credit was XXXX and went down to XXXX. Shown on my credit cards, my limit doesn't pass XXXX. This means that the system is remembering my husband 's information and using it to calculate my score. 

I spoke to someone by the name of XXXX. XXXX was helpful at trying to offer me vague explanation as to why it can go down. Not giving me specific information pertaining to my credit. After him being unhelpful, I asked him to give me his last name and he says " I don't have a last name, you need the dispute department ''. I informed him that I don't need to dispute anything as I haven't done anything to my credit for it to go down. I havent purchase, I havent paid anything, and I havent had anyone look into my credit. I wasn't asking for them to give me a XXXX point lift. I just wanted an explanation of what happened and if not to please review. According to XXXX, their system is automated and can not accept changes. 

After him transfering my call, I speak to Manager XXXX who instead of trying to help, decided to play a blame game and put the fault on me for adding my husband 's information. She said that I didnt read when i signed up. she asked if i had any other questions. I asked if she could tell me what the FCRA was and she told me to contact a lawyer. These people are supposed to confirm information before they add to a credit report. This doesnt happen.

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 2022-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Card failed to investigate and act on the facts of this dispute, Capital One, Case # XXXX : Fact # 1. ) On XXXX, I XXXX XXXX attempted to purchase a PRODUCT ( XXXX XXXX XXXX XXXX ) online from this merchant, XXXX XXXX XXXX, at the price of {$39.00}. 

Fact # 2. ) I, XXXX XXXX telephoned thisXXXX  online merchant- within XXXX minutes after my Capital One Card was charged for {$270.00}, instead of the expected {$39.00}, I spoke with the merchant 's customer service representative, XXXX who stated that she was having a problem with her computer, and could not send the cancellation email at that time, but stated that she would email me the cancellation confirmation to show the credit to my capital One card for the {$270.00}, with-in XXXX hours. 

Fact # 3 ) On XXXX, I properly submitted a dispute for this illegal charge of {$270.00}, by XXXX XXXXXXXX XXXX, with Capital One Card - after 10 days had passed, with no email from the merchant, nor no credit for the {$270.00} appeared on my Capital One Card as promised by the merchant 's customer service representative XXXX. 

Fact # 4 ) On XXXX Capital One issued their so-called update on my dispute with XXXX XXXX XXXX stating that the merchant had provided information to support the transaction : Statement from the merchant, ( " Confirmation showing no cancellation per policy was received, '' ) and they were reapplying the charge to my account, 30 days after I submitted my initial dispute, of the {$280.00} illegal charge. Capital One further stated that if I wanted to continue with the dispute, I would have to send a letter with certain information and documentation prescribed on their update letter, within 14 days, by XXXX ( This requirement was complied with. ) Fact # 5. ) Capital One 's notice letter to me to respond to the merchant 's reply to my dispute, by XXXX. This date allowed me less than 14 days to prepare my response and gather the documentation that would show proof of my cancellation telephone call to this merchant. Thus, I complied with Capital one 's required procedure for my dispute. 

Fact # 6. ) Cap One Totally disregarded all documented factual proof I had sent to them by their deadline of XXXX. 

Fact # XXXX. ) Capital One did not comply with their own terms and agreements as stated per their stated policy on the Capital One statements. ( *See Capital One XXXX ) Fact # XXXX ) I see no need to upload any documents here, as Capital One already has all documents sent to them related to this case. 

Capital One Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This is the second complaint in XXXX years that I have made to AWA COLLECTIONS, they continue to report an account that they could not verify to me. I advise them several times that I wasn't even in the states at that time of the event. AWA COLLECTIONS said that they would investigate the problem and remove it from my credit report, this was a year ago today I checked my credit after XXXX year and that account is still listed there illegally they never investigated nor did they call me to confirm it was my account. 

Keep in mind I don't even have a driver 's license. 

I called several times and spoke to ruthless representatives that couldn't verify an account to my name and yet they still reporting on my XXXX report. 

I will attach a copy of what it's showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I, received a letter on XX/XX/2022 from A collection agency CREDIT COLLECTION SERVICES, stating that they were trying to collect a Debt for XXXX XXXX I immediately called them and talked to a Supervisor by the name OF XXXX XXXX. I explained to him that I had been a victim of Identity thief and that this was not my account. He then explain that he would send me the name of the company, I then requested valadation of this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: CORELOGIC INC
State: IL

Complaint narrative:
I have attempted several times to reach Credo due to they ran my credit with out my verbal or written consent on XX/XX/21. XXXX and XXXX have deleted this inquiry due to i did not authorize this inquiry.

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