vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 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: Exeter Finance, LLC.
State: AZ

Complaint narrative:
Exeter Finance has continued to be untruthful about the status of my account by reporting that there is a balance due of {$1600.00} and that the account is in a charge-off status. The account was settled in full last year in XX/XX/2020 and I was told it would take time for the status to update on my credit report. I called back to follow-up on the status of my account about every two weeks since then and was told to keep waiting as the account would be closed. After two months, i disputed the account as inaccurate status with the XXXX  credit bureau and had to wait 30 days for the investigation to take place. 30 days later the investigation was complete and they were able to confirm with Exeter that my account was still active and that I had a balance of {$1600.00} due immediately and the account was charged off. All of this was continuing to be updated monthly on my credit report even though we had an agreement in place and they already took my money. I continued to call every other day in XXXX to ask why this was being reported when we had an agreement in place and the account was already settled. I finally spoke with someone who acknowledged that the account should have been closed out in their system long ago, but they could not tell me why this was the case. It took them getting a manager involved ( XXXX XXXX ) to comprehend their own information showing the account should have been closed already. I was then able to request a letterhead proof of my account status be emailed to me since they offered nothing and I had to ask for everything myself. The manager ( XXXX XXXX ) called back a week later to thank me for my time. The damage has already been done to my credit as I have a job that requires I do not have unexplainable debt on my credit report and I am now without a vehicle since I am not able to obtain a new vehicle loan due to apparently still owing Exeter Finance for a vehicle that was totaled over a year ago in a hit and run accident, which they for some reason were also not trying to collect and never reached out to me to pay this mysterious past due balance. I fail to understand why I had to invest any time at all into this situation and was not given any explanation as to why this occurred. As of today, Exeter is still reporting inaccurate information to my credit report simply because they are allowed to as that is how the system is designed to work. Whatever the creditor states must be accurate, so I unfortunately have to face the consequences of their lies and jump through hoops in an attempt to resolve their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I have an extended alert set up in 2017. The phone number listed in the alert for financial institutions to contact me at prior to extending new credit is no longer accurate and is now associated with another person. I am trying to complete the process for a vehicle loan and am unable to do so until I can get the proper phone number updated. 

I have called XXXX and Experian and I am unable to get someone on the phone as it is an automated service that results in dead ends. I have visited their websites for information and each separately requires that I submit paperwork to include a form, photo identification, W2s, paystubs, or utility bills via fax or mail. This process is an undue burden in that the amount of time they say it will take to complete the request to update my contact information will prevent me from closing my loan application and from registering my vehicle so that it is road legal. In addition, the incorrect phone number currently listed in the extended alert instructions to financial institutions is currently a security risk as it is an incorrect phone number that now belongs to another individual.

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 2021-02-16 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: Trident Asset Management, L.L.C.
State: MO

Complaint narrative:
The account is paid through my insurance company. I have told this to this collection agency numerous of times. This collection agency have no right to collect anything. 
This account was to the doctors office by my insurance. 

The other account was paid directly to the original creditors. I do not owe anything to these collection agents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I have been disputing my derogatory accounts with Equifax and they haven't provided a single thing for me. I recently called Equifax to get an update and make sure my disputes were going through and taken care of. Equifax informed me that they had not received a single dispute. I have sent multiple disputes so I'm confused as to how none of them made it through? There are erroneous items on my credit report that must be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC
State: TX

Complaint narrative:
BAY CR WAS PD XXXX STILL ON CR BUR NOT PAID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
This information needs to be removed from my account because the reporting agencies all have different numbers ( amounts ). Please have this removed from ALL OF my credit reports.

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 2021-02-16 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: Lending Club Corp
State: GA

Complaint narrative:
This information needs to be removed from my account because the reporting agencies all have different numbers ( amounts ). Please have this removed from ALL OF my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
Hi, I was sent to collections because I moved and never received the medical bill. As soon as I found out about it, I paid it back in XXXX. The collections company ( see below ) informed me that they sent all 3 credit bureaus a letter back in XX/XX/XXXX asking them to remove the collections from my credit file. XXXX  and XXXX  have done so, however XXXX as not. I've sent them numerous letters over the past 6 months asking them to remove it, and even put in a formal request with the CFPB on XX/XX/XXXX, in which they closed it without informing me or removing the incorrect collection. 

Healthcare Collections Phone number : XXXX Representative : XXXX I've had to open a new complaint with them which they now say they're going to sort out. I need this incorrect mark on my file removed ASAP. They need to check their records from XX/XX/XXXX when they received a letter saying that this was done and 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 2021-02-16 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: CORELOGIC INC
State: CT

Complaint narrative:
Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for review

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 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am trying to get pre approved for a home loan. All my credit is frozen b/c I have be part of multiple breaches ( XXXX, XXXX XXXX, XXXX, that I know of ). 
Yesterday I went to all 3 agencies and lifted the freeze with no apparent errors. I let my loan agent know, and this morning he informed me they are still locked. I executed the same effective window lift for each agency ( XXXX XXXX XXXX ). Today is the XXXX. 

If there is a transition period ( e.g. effective in 24 hrs ) they should inform me of that. They did not. 
If the XXXX was not available as an open date, it should not have been offered by their calendar. 
Finally, they all use robots for this service so there is no way to correct the situation or get information. 

This is totally unacceptable for a problem ( amassed financial information ) they caused.

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 2021-02-16 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: CT

Complaint narrative:
Identity stolen in 2014. All false credit claims were supposed to be resolved. Police reports were filed and managed. Experian has maintained a 7 year old record of XXXX XXXX XXXX charge made using stolen information and not even my correct last name. I filed a dispute today on experian website due to interest rate change on XXXX card which they sited Experians fake credit scoring policy. The site asked me for money to correct this, protection fees, and would not help me afterward. I don't pay extortionists, be them mafia or over powered credit agencies. The website offered no more assistance, except referral to call the help line. I called and waited over 30 minutes for any response and got none. Also got no expected wait time and heard someone, on my line pressing buttons, via the beeps. It is not okay for credit companies to sell " Protection '' for accurate 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 2021-02-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is a hard inquiry on my credit score for a automobile. I never authorized a credit check with this creditor and now I have a hard inquiry on my account. I would like to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Since XX/XX/2021 Ive had 3 different lender to run my credit report and was able to only get XXXX  and XXXX  report. All 3 lenders stated they cant get my Equifax report. Ive been contacting Equifax ever since XX/XX/2021 about the problem and still havent tried to fix the issue besides stating I dont have a freeze on my account. Currently Im going through a program called XXXX for a house and they ran my credit on XX/XX/2021 and they stated they didnt get my Equifax report back. I logged in on my Equifax to double check and make sure there was no freeze on my report. I didnt see anything so I contacted Equifax and told them the problem. They stated I might have a freeze or maybe we are entering the wrong information. Equifax keeps giving me the run around instead of trying to look into it. My goal is to get a house soon so I need my Equifax report in order to accomplish my goal. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: CO

Complaint narrative:
I re-financed my loan mid 2020 ( moving from XXXX to Cross Country ). After closing the title company AND the mortgage company ( CC ) paid the home owners insurance. A refund was made to the mortgage company as a result of the duplicate payment yet the credit was never posted to my account. As a result CC increased my monthly mortgage payment by {$280.00} a month to account for the 'shortage ' in the escrow account. There is in fact no shortage as the double payment was credited back to my account however an escrow analysis was never completed. Since XXXX I have made multiple calls a month to the XXXX number provided by CC as well as to my local mortgage lender with no answers. IF I can actually get through ( often times after I press all the options to talk to someone the call sits on hold for 20+ minutes with no answer or it hangs itself up ) I speak to someone who refuses to allow me to speak to loan servicing who handles the escrow analysis. I have been assured multiple times that a request has been made on my behalf to servicing and that I would hear via mail within 10 business days yet no follow up has been received and my account has still not one through a re-analysis. In all my years as a home owner I have never dealt with a company with such poor customer service, poor response time and inaccurate account management. I will never work with CC again and I feel as if their business practices are unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: FL

Complaint narrative:
Upon checking my credit report a year ago, I found several mistakes that were on my credit. Since these items were obvious fraud or mistakes by the bureaus I hired a credit repair agency to handle the issues on my behalf. It has been close to a year and they have not been able to remove the errors. Someone recommended to me the Consumer Finance Protection Bureau. I hope your company can assist me in getting these fraudulent items removed from my credit report. 

The errors that are reporting on my credit report are from the following companies with whom I have never associated with : XXXX XXXX, XXXX, XXXX XXXX, & XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: AZ

Complaint narrative:
Provide me with the full original contract with my wet ink signature & the full purchase agreement & proof that you own this debt or remove this debt account that say I owe you off my XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX should not be reporting to Equifax and XXXX  a collection/chargeoff in the amount of {$17000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX  and XXXX are reporting this account with XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The reporting of this account as a collection/chargeoff - twice - is wrong and the line item for XXXX XXXX needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: TX

Complaint narrative:
Credit reporting agencies are not doing thier job as they tout. I have disputed XXXX XXXX XXXX XXXX two XXXX XXXXXXXX XXXXXXXX XXXX, XXXX XXXX, XXXX / XXXX XXXX and XXXX XXXX card due to theft, fraud, forgery, false pretenses and identity theft.. I have sent sheriff 's report, IRS and Transunion Affidavits, incomplete forgered applications that were utilized anyway to access my credit. I have sent much information that reflects the person responsible. The credit reporting agencies state their responsibility ( but are not doing ) " According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue '' The credit reporting companies send to these different companies who simply label as duplicate complaints or verify without any investigation and sending me any type og detailed report.

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 2021-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX - To Whom It May Concern : Pursuant to 15 USC 1681 ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. 

They should all be removed from My consumer report pursuant to 15 USC 1682a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

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 2021-02-16 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: IL

Complaint narrative:
XXXX XXXX - To Whom It May Concern : Pursuant to 15 USC 1681 ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.

They should all be removed from My consumer report pursuant to 15 USC 1682a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: Kriya Capital, LLC
State: NY

Complaint narrative:
On XXXX XXXX, 2020, CREDENCE RESOURCE MANAGEMENT add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDENCE RESOURCE MANAGEMENT has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief