vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-07-09 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-07-09 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: MD

Complaint narrative:
XXXX has been reporting information to the credit reporting agencies without my written consent. I contacted the bankruptcy court and they did not release the information to them. My rights have been violated by XXXX and Transunion and my reputation has been damaged as a result of their false 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 2020-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
NO ANSWER EVER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: WI

Complaint narrative:
I have contacted Transunion 3 times about a collection account on my credit report. They did not send me physical proof verifying that this account is mine. They claimed they verified it but this account does not belong to me and I do not have a contract with this company. Transunion refuses to send me information on how they verified this account as mine. I already contacted the Collection agency and they also did not send me Verifiable proof with my signature or contract with this company. Transunion is not compliant according to the FCRA and are reporting fraudulent and inaccurate information on my credit report without any proof or authorization. I also believe that the three credit bureaus are still communicating with each other because even though my accounts are frozen two of the three bureaus didn't have this account and now all of a sudden 2 out of three have this account now. If this is the case then anyone can report fraudulent information onto my credit report without the accurate 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 explanation
Consumer complaint received 2020-07-09 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: TX

Complaint narrative:
Company or Organization : XXXX XXXX XXXX Account NumberXXXXXXXX Total fraudulent amount : {$640.00} Credit Card Opened by the Thief Company or Organization : XXXX   Account Number:XXXXXXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX, XXXX  Account Number:XXXXXXXX Total fraudulent amount : {$1500.00} ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
UNABLE TO MAKE PAYMENTS DUE OF UNEMPLOYMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC

Complaint narrative:
I am experiencing a financial hardship during the COVID-19 emergency and have requested a CARES Act forbearance. On XX/XX/XXXX, I submitted a written forbearance request to XXXX, the previous servicer of my VA backed mortgage. I did not receive a response, and servicing rights were then transferred to Carrington. On XX/XX/XXXX, I submitted another forbearance request through Carrington 's website. I did not receive a response. 

On XX/XX/XXXX, I called Carrington and verbally requested a CARES Act forbearance. I was told that I am ineligible, because I was delinquent on my mortgage prior to the coronavirus. Under the CARES Act, I am entitled to a forbearance regardless of delinquency status. U.S. Code, 15 U.S.C. 9056. Carringon has improperly denied my forbearance request and is not abiding by the terms of the CARES Act. I am asking the CFPB to require Carrington to follow the requirements of the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: NY

Complaint narrative:
( XXXX  XXXX ) I have sent a dispute to all 3 credit bureaus to delete this account due to it being in violation of metro 2 due to the account number containing a letter..this is a clear violation and they have yet to delete this account in fact i never even received a response to the dispute. i am attaching a copy for your review.

There are several violations ... this account is closed and all 3 bureaus are reporting terms they are all reporting diffrent days of last payment they are all reporting different dates of last acive 2 are reporting paid and one is reporting closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: NY

Complaint narrative:
( XXXX  XXXX ) I have sent a dispute to all 3 credit bureaus to delete this account due to it being in violation of metro 2 due to the account number containing a letter..this is a clear violation and they have yet to delete this account in fact i never even received a response to the dispute. i am attaching a copy for your review. 

There are several violations ... this account is closed and all 3 bureaus are reporting terms they are all reporting diffrent days of last payment they are all reporting different dates of last acive 2 are reporting paid and one is reporting closed

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 2020-07-09 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: TX

Complaint narrative:
Company or Organization : XXXX XXXX XXXX Account Number:XXXXXXXX Total fraudulent amount : {$640.00} Credit Card Opened by the Thief Company or Organization : XXXX   Account Number:XXXXXXXX Credit Card Opened by the Thief Company or Organization : XXXX  XXXX, XXXX  Account Number:XXXXXXXX Total fraudulent amount : {$1500.00} ftc

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 2020-07-09 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: TX

Complaint narrative:
Company or Organization : XXXX XXXX XXXX Account Number:XXXXXXXX Total fraudulent amount : {$640.00} Credit Card Opened by the Thief Company or Organization : XXXX   Account Number:XXXXXXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX, XXXX Account Number:XXXXXXXX Total fraudulent amount : {$1500.00} ftc

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 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: NM

Complaint narrative:
Enhanced recovery corporation has been trying to collect a debt on behalf of XXXX. The issue is this debt is well over 7 years old and several times throughout the past few years enhanced recovery renews it and restarts the clock. I have had 0 communication with the company during this time and need these removed permanently from my report. I have disputed them in the past and has them removed only to have them come back with a new open date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Missing positive information, incorrect addresses, balances not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: Ray Klein, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX XXXX XXXX Social Security : # XXXX Mailing Address : XXXX XXXX XXXX, IN XXXX XX/XX/2020 I XXXX XXXX have made Multiple Attempts in the past year or two ( 2 ) to  Corret ( Wrong ) Postings on my Credit Bureaus. 

1 ) Professional Credit Services : Posting a debt of {$200.00} owed them. on my XXXX Bureau. It had been Deleted from my XXXX  Bureau. 

2 ) XXXX XXXX : Acct. # XXXX Posting a Balance of {$770.00} owed. Previously in XX/XX/2020 XXXX  Report Posted a {$0.00} Balance. According to FCRA, FDCPA Reinsertion of any alleged debt is illegal! But XXXX has.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: NV

Complaint narrative:
I am writing in regard to XXXX Secured Credit account ending in XXXX opened in XX/XX/2020. Despite having made timely payments during the last four moths, neither XXXX or its parent company XXXX XXXX, XXXX. have reported this information to credit bureaus. The ONLY information reported to Experian appears to reflect that my account is in " dispute '' status. I have telephoned both XXXX and Experian directly to inquire about this 'anomaly '. Both remain unable to provide a logical explanation for this on-going issue. Both companies seem content with 'passing the buck ' or blaming the other while suggesting that I contact them. 

To date, this issue remains unresolved. 

I opened this secured line of credit and agreed to pay the exorbitant fees and interest rates required by this financial institution with the expectation that information about my credit usage/activity/payments would be reported to the major credit bureaus every month. According to Experian and Experian.com this has not been happening.

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 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I am trying to link my checking account to a system I use for billing clients for financial plans. PNC apparently made a change not allowing my to link my account to pay for the service. This is adversely affecting my business for no apparent reason other than PNC not wanting a third party to have access to my account without using their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has many discrepancies between the reporting to my credit report, the information given to me by their customer support and the information given to me via billing statements. These discrepancies include minimum payment and due date. Because I acted in good faith in the information given to me by Capital One it has giving Capital One an illegitimate reason to report negative payment history to my credit report. Although Capital One 's customer service agents concur with my grievance, Capital One continues to harm me by report negative information to the credit bureaus. In addition, Capital One waited 5 months to report that I made a late payment but that payment was not late based on the information given to me by Capital One. Is it a violation of the Fair Credit Reporting Act not to report in a timely manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
On XXXX Enhanced Recovery Company ( ERC ) reported a 'new ' collection from " XXXX '' to my report dropping my score by 20 points without notice or warning. I obtained a more detailed report from XXXX and saw that ERC opened this account on XX/XX/XXXX and states that I owe XXXX. ERC also obtained my credit report on XXXX. I do not owe XXXX any money and there is no reason to report this debt as if it is new with no communication from the agency that has had access to all of my current personal and contact information as of XXXX. Based on previous credit reports and information obtained from my research, the only XXXX debt on my credit was successfully disputed and removed in XXXX and XXXX because it was fraudulent and I did not open this account. The debt is being sent to different agencies and reported as 'new ' and it is ruining my credit that I have worked hard for over the past few years. I did not contact the company because I have dealt with them in the past over other debts that were obviously not mine ( using an address I have not lived at for nearly 10 years ) and they are rude, nasty and disrespectful. They also attempt to get you to agree to pay so they can start collecting on time-barred debts. This company is illegally trying to collect a debt that is not mine after 5 years and successfully disputing this account with other agencies and having it removed twice. This company has no interest in speaking with customers over fraudulent accounts and just want to verify your information, new or old, so that they can look for other debts of yours to collect on. This company has used the pandemic as a means to recover debts by reporting a collection to my credit to force me and others to pay for deletion to keep their company open during this time. I have disputed this collection once again with XXXX  and XXXX  as soon as I saw the notification early this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this report because I was made aware of two accounts on my credit report that are not mine. The only reason I was even checking my credit report is because my son asked me if I could co-sign for him to lease a car and I wanted to make sure I would be approved. The accounts that do not belong to me are from a company called XXXX Card. I don't even know what these accounts are for but I did not open them and I did not authorize anyone else to open them in my name. I never contributed to any payments that might have been made towards these accounts nor did I gain any type of benefits such as money, goods, services or anything else as a result of these accounts being open in my name.

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 2020-07-09 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: PA

Complaint narrative:
Two companies ( XXXX and XXXX XXXX XXXX are reporting inaccurate information on my credit report that is ruining my credit rating. They agreed to remove but still being reported to one or more bureau with the same information. 

XXXX XXXX has multiple accounts listed on my Transunion report with the same account number. All of which are paid off but also showing that I owe {$270.00} which isn't accurate. 

There is inconsistent details showing in my personal information that needs to be addressed. Inaccurate information enhances the possibility of identity theft for an example. I have several inquiries that were not authorized and may have been affiliated with addresses I don't reside! XXXX  XXXX XX/XX/XXXX-was an unauthorized inquiry at all bureaus. XXXX/XXXX  is an unrecognized/unauthorized inquiry from XX/XX/XXXX on Transunion and XXXX is an uncrecognized/ unauthorized inquiry on XX/XX/XXXX. 

I have disputed on numerous occasions but the information is still inconsistent.

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 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: TX

Complaint narrative:
I have a home mortgage loan through Amerinat nationwide loan services. I have always paid on time and early an have never been late and have always paid the full amount, if not extra. Nevertheless, I received a credit monitoring alert this morning that stated that my credit had dropped 60 points. Upon investigating what caused the credit to drop, it was reported that Amerinat had reported that I was a victim of a natural disaster/declared disaster. So, I called to see what this was all about and the lady on the phone stated that because they did not report to the credit agencies for the month of XXXX that they went ahead and put on everyone 's account that they were affected by a natural/declared disaster. I told her that was illegal because I paid on time and early for he month of XXXX and since I have had the loan. I told her I wanted to speak to a manager, who was not available. So, she proceeded to tell me that I needed to go through collections to settle the dispute, since their collections department was the one who reported it. They advised that I needed to dispute it, which I told her was ridiculous because the fraudulently reported that I was affected by a natural/declared disaster. I have never once asked them to defer a payment, so the fact that they reported to a collection agency that I was affected was illegal. She said there was nothing that she could do and that I would have to write an e-mail stating what happened, which I did. Moreover, I am reporting this because it is illegal, because it was fraudulently reported to the credit agencies. I have proof of Payment for all the months that I have had the home loan and I have the email proof from Amerinat that I have always paid on time and have never been late. I was not affected by a natural/declared disaster. My account number through amerinat 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