vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-11 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I have reported the following accounts on multiple occasions since XX/XX/2020 using the identity theft methods made available to my by the local police and online resources. XXXX has done nothing to remove this account after countless contact with them regarding incorrect information. The following items are still reporting incorrectly.

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 2020-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Aldous is collection company for XXXX fittness center, i have never been a member no i have ever been to thier gym, apparently it was open XX/XX/2017. this has been impacting my credit, i beleive i am victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: NV

Complaint narrative:
XXXX is reporting inaccurate information on my credit report and refuses to correct it even when I have sent proof of the fraudulent information. 
As a borrower and current college student I have had a horrible and unfathomed experience with XXXX. I am currently in deferment as I submitted an IDR plan and now because of Covid19. I have between 10-13 accounts with XXXX and they have issued 10 late payments on each account causing my credit score to drop and now I am denied credit and to obtain a vehicle to take my children back and forth to the doctors. One of my children is XXXX and having reliable transportation is a necessity for me but because of all the late payments I can not acquire a car. The late payments XXXX has added to my credit report are fraudulent and they are reporting inaccurate information. Between XXXX there has been so many complaints with XXXX adding late payments to accounts, not properly adding payments and causing borrowers to get in over their head to repay or live a suitable life. All of my XXXX accounts that were part of the XX/XX/XXXX through XX/XX/XXXX late payments show deferment status effective as of " XX/XX/XXXX. '' Also XXXX XX/XX/XXXX. Also, I was enrolled full time before any payment in XXXX became due. Therefore, my credit reports do not currently accurately reflect previous payment statuses with XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the six accounts showing a 60-day late payment in XX/XX/XXXX through XX/XX/XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX through XX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, CFPB, XXXX, and pursue other legal routes if necessary. I have sent nelent more information showing I was in school and forbearance letters they sent me but they refuse to remove late payments. I am not asking for removal of any accounts but they late payments that they are reporting inaccurately that is damaging my credit report and hindering me from obtaining a stable home and transportation because of false information that XXXX knowingly will not change

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 2020-07-11 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: NV

Complaint narrative:
XXXX is reporting inaccurate information on my credit report and refuses to correct it even when I have sent proof of the fraudulent information. 
As a borrower and current college student I have had a horrible and unfathomed experience with XXXX. I am currently in deferment as I submitted an IDR plan and now because of Covid19. I have between 10-13 accounts with XXXX and they have issued 10 late payments on each account causing my credit score to drop and now I am denied credit and to obtain a vehicle to take my children back and forth to the doctors. One of my children is XXXX and having reliable transportation is a necessity for me but because of all the late payments I can not acquire a car. The late payments XXXX has added to my credit report are fraudulent and they are reporting inaccurate information. Between XXXX there has been so many complaints with XXXX adding late payments to accounts, not properly adding payments and causing borrowers to get in over their head to repay or live a suitable life. All of my XXXX accounts that were part of the XX/XX/XXXX through XX/XX/XXXX late payments show deferment status effective as of " XX/XX/XXXX. '' Also XXXX XX/XX/XXXX. Also, I was enrolled full time before any payment in XXXX became due. Therefore, my credit reports do not currently accurately reflect previous payment statuses with XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the six accounts showing a 60-day late payment in XX/XX/XXXX through XX/XX/XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX through XX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, CFPB, XXXX, and pursue other legal routes if necessary. I have sent nelent more information showing I was in school and forbearance letters they sent me but they refuse to remove late payments. I am not asking for removal of any accounts but they late payments that they are reporting inaccurately that is damaging my credit report and hindering me from obtaining a stable home and transportation because of false information that XXXX knowingly will not change

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: NV

Complaint narrative:
XXXX is reporting inaccurate information on my credit report and refuses to correct it even when I have sent proof of the fraudulent information. 
As a borrower and current college student I have had a horrible and unfathomed experience with XXXX. I am currently in deferment as I submitted an IDR plan and now because of Covid19. I have between 10-13 accounts with XXXX and they have issued 10 late payments on each account causing my credit score to drop and now I am denied credit and to obtain a vehicle to take my children back and forth to the doctors. One of my children is XXXX and having reliable transportation is a necessity for me but because of all the late payments I can not acquire a car. The late payments XXXX has added to my credit report are fraudulent and they are reporting inaccurate information. Between XXXX there has been so many complaints with XXXX adding late payments to accounts, not properly adding payments and causing borrowers to get in over their head to repay or live a suitable life. All of my XXXX accounts that were part of the XX/XX/XXXX through XX/XX/XXXX late payments show deferment status effective as of " XX/XX/XXXX. '' Also XXXX XX/XX/XXXX. Also, I was enrolled full time before any payment in XXXX became due. Therefore, my credit reports do not currently accurately reflect previous payment statuses with XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the six accounts showing a 60-day late payment in XX/XX/XXXX through XX/XX/XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX through XX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, CFPB, XXXX, and pursue other legal routes if necessary. I have sent nelent more information showing I was in school and forbearance letters they sent me but they refuse to remove late payments. I am not asking for removal of any accounts but they late payments that they are reporting inaccurately that is damaging my credit report and hindering me from obtaining a stable home and transportation because of false information that XXXX knowingly will not change

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 2020-07-11 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: FL

Complaint narrative:
Equifax is currently doing significant damage to my credit unlike the other two agencies. They are reportIng 3 separate accounts with 60 days past due when it is impossible. They should only be 30 days past due in the months that that are showing as 60 days. Theyve also NOT removed a collection account that both XXXX  and XXXX  have removed. 
The accounts that are being affected are : XXXX XXXX ( This account is CURRENT. It was only 30 days late this past XX/XX/XXXX as specified ) It was NEVER 60 days past due in the over 2 year history of the loan!!! 
XXXX XXXX XXXX ( XXXX ) This account is current!! It was 30 days NOT 60 days late in XXXX, XXXX & XXXX of last year. This account is CURRENT XXXX XXXX XXXX ( This account is CURRENT! It was 30 days late in XX/XX/XXXX NOT 60 days ) XXXX XXXX ( This needs to be removed!! ) It was correctly removed from XXXX   & XXXX WITHOUT problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank/ XXXX  , WAYFAIR , & VICTORIA SECRET is reporting inaccurate 30 day late payments on my credit report. I spoke with a representative about why they are reporting over 3 months of late payments. I applied for their hardship program that I'm currently on. I was set up on automated payments that I have been making on time every month. When I spoke with this representative she informed that until I get " current and caught up with the original monthly payment, that It will show as late payments and they will not remove them! This is erroneous!! and I violation to say the least. 
I am requesting that they remove XXXX and XX/XX/ Late payments. I was not late, made the payments on time! They need to be more upfront with their customers and make them aware of what they are getting themselves into when filing for hardship. Hardship programs are supposed to help people not XXXX them over!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I purchased my home, as a married woman in 1975 for {$36000.00}. Due to divorce, my home went into foreclosure. I sought help, as a single woman with XXXX very young children. As of today, I now owe {$100000.00} plus a balloon payment of {$70000.00} on this house. Various and numerous, loan selling schemes caused my home to go back into foreclosure about 10 years ago. This included XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and now SPS. I am now nearly XXXX, XXXX and on social security XXXX. I'm in an adjustable mortgage modification. Lost and confused. Who can help me XXXX the players in this disaster? I know XXXX was fined, XXXX fined, XXXX XXXX and XXXX XXXX had license revoked, SPS has been deceptive in information related to modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: The CBE Group, Inc.
State: IN

Complaint narrative:
Cbe Group Opened XX/XX/2020 {$210.00} Original creditor : XXXX XXXX  Appears on my XXXX  and XXXX  reports however XXXX  removed it from my report and I been trying to get it removed from the other two reporting agencies and their systems are currently down, this is an old account that has been removed in the past and still appearing in my credit report with different company names, I requested the company a validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

I also told them that the negative mark found on my credit reports included on all three credit reporting agencies from their company or any that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; Therefore if they can not validate the debt I want the company and the credit reporting agencies ( XXXX  & XXXX  ) to delete the entry. 

Thank you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: IN

Complaint narrative:
XXXX XXXX Opened XX/XX/2020 {$210.00} Original creditor : XXXX XXXX  Appears on my XXXX  and Equifax reports however XXXX  removed it from my report and I been trying to get it removed from the other two reporting agencies and their systems are currently down, this is an old account that has been removed in the past and still appearing in my credit report with different company names, I requested the company a validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

I also told them that the negative mark found on my credit reports included on all three credit reporting agencies from their company or any that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; Therefore if they can not validate the debt I want the company and the credit reporting agencies ( XXXX & Equifax ) to delete the entry. 

Thank you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: NY

Complaint narrative:
In XX/XX/2020, XX/XX/2020, XX/XX/2020 and myself or a debt repair agency has tirelessly disputed incorrect information on my credit report. In XX/XX/2020 I disputed a late payment with XXXX XXXX, the creditor agreed to waive the late fees which caused the balance and the account was left with a XXXX  balance. I have tried unsuccessfully to have the late payment removed from my credit report I even provided proof from the creditor that the changes were reversed. The account is still reporting negative on my credit report. I have disputed with all three credit bureaus and always come back as verified when disputed.

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 2020-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I have been trying to buy a house for nearly four months now. The lender who I've been speaking to said that my score was fairly good and I was only a few points from qualifying for a conventional loan. After showing me my credit report, we saw that the only thing on my report which could be considered negative was a XXXX XXXX collection which was opened on XXXX of 2018. I didn't know what charter communications was so I looked them up. It turns out that XXXX XXXX is XXXX. XXXX  also bought out XXXX a few years ago and XXXX bought out XXXX XXXX a few years before that as well. 

After finding out who the company really was I was confused and angry. I was confused because I know for a fact I did not open a XXXX  / XXXX on XX/XX/2018 or anytime close to it. I was angry because the last time I did have a XXXX  / XXXX was before I lived in XXXX. I've lived in XXXX for the last 7 years! Knowing collections can only stay on your credit report for 7 years I knew this account had to be disputed. This collection, even if it was mine, was past the statute of limitations. I went ahead and disputed the account with Enhanced Recovery collections and the three credit bureaus. I did so in XXXX, XXXX, and XXXX. I never received responses from anybody. a few days ago, I have the lender check the credit report and the account is still on the report. You don't have to guess very hard how I felt after finding that out. 

To make matters worse, the lender is telling me I am 5 points away from qualifying for a conventional loan and this is the only thing stopping me! There are no charge-offs on my report, no credit cards with balances I can lower, and no other collections for me to fight or pay to increase my score. I am literally stuck and at the mercy of this collection agency who is reporting an account that isn't mine, or even if it was, is a 7 year old collection whom the collector isn't responding to any of my disputes since XXXX! There is nothing more for me to do but file this complaint against them. Please make them delete this account so I can finally buy my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: Medical Data Systems, Inc.
State: AL

Complaint narrative:
On XX/XX/2020 I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless statements and dispute and this company and the credit buearus have failed to remove these accounts. This is prohibiting me from purchasing a home. I was a victim of 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 2020-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: MT

Complaint narrative:
On XX/XX/XXXX I received an email from loan at last stating that I had been approved for a {$1000.00} loan to be disbursed into my account on the next business day which would have been XX/XX/XXXX. I called The company and told the woman I spoke to that this was fraud and identity theft, I had not applied for a loan through them and that the bank account last 4 that was listed was not my bank account. This woman allegedly talked to her supervisor and then put me on a 3 way call with a man that allegedly worked for XXXX XXXX XXXX Texas. The man on the Phone stated he could not find the account. The woman from loan at last stated they take fraud seriously and they would not disburse those funds. I have since made an identity theft report with the FTC and a report with the XXXX County sheriff 's office. The deputy from the sheriff 's office encouraged me to get back in touch with loan at last and ask them what the last 4 of the SSN was that was used to apply for the loan as well as an address and a phone number. So far I have had no luck getting that from them to add to my criminal complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: CA

Complaint narrative:
I'm sure you receive several complaints so I will try to make this short and concise. Since XXXX of this year I've been attempting to have incorrect information on my credit removed and corrected from my credit report. The credit bureaus are reporting a XXXX   XXXX XXXX  account which is over 7 years old and they are reporting a bankruptcy which is 10 years old. All I want is for them to remove these accounts from my credit report and fix them.

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 2020-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
Mortgage company misappropriation. Applying payments to accounts they determine and not paying principal mortgage payment. Damaging my excellent credit and business.

Company response to consumer: Closed with explanation