vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 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: MS

Complaint narrative:
Every time Equifax or the other two credit reporting agencies send me emails. " Improve your credit score with a new credit card with lower interest rate ''. When I do get a no interest card to consolidate, They always lower my score by many points because they only take the adding of a new Card and a new balance of the new card. They never give you a better credit score by ending the balance on the old cards. Why do they get to make money off of you getting the new card they say you should get, when it lowers my score and takes me months to get my score back where it was before they said it would help improve my score? Please try to send this to someone if your org. can't stop this false money grab they are doing. I am sure I am not the only one this happens to. 
Thank, you, be safe XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : CREDIT COLLECTION SERVIC # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: CO

Complaint narrative:
I Have been disputing a XXXX award account and I have disputed it for theLast two years the account was originally opened in XX/XX/2012 and was included in the bankruptcy and all three credit Burroughs refuses to investigate the account Ive mailed in my my chapter XXXXBankruptcy papers and its still report in in adequately

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 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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 — Problem with personal statement of dispute
Company: Lending Club Corp
State: FL

Complaint narrative:
I was late on my account with Lending Club and we re-financed my house and I paid the account in full. They the went and charged off my account the same month I paid it in full. This is legally not allowed you have to be 6 months late before you can legally charge off an account. I am asking for them to update my account and remove the word charged off. Not right at all. In all honesty yes I was late and I did pay it in full as soon as I refinanced my house and even reached out to them to get payoff amounts to do so. They knew exactly what they were doing. Bad business practice. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
My payment for the month of XXXX was submitted online on XX/XX/XXXX. The Mortgage company did not withdraw payment until XX/XX/XXXX. I watched on the news and read in the newspaper that lease and mortgage payments that were late could not warrant eviction and negative credit reporting. I received a notice this week that XXXX points was taken from my credit report because I was late in XXXX. I emailed Standard Mortgage and they informed me that I would have had to have requested a forbearance due to COVID-19 to not have a negative report to the credit bureaus. I was unaware that I needed to request a forbearance, and I had already determined I was going to pay my mortgage even though my business revenue severely decreased as a result of COVID-19 and I had not yet qualified for any XXXX loans or paycheck protection. I am requesting this negative hit be removed because I have been impacted by COVID-19 financially, and I was unaware that I had to file a forbearance request, and I still have intentions on paying my mortgage payments now and in the future.

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 2020-05-13 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: CL Holdings LLC
State: MN

Complaint narrative:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
I purchased a home in XXXX of XXXX. We financed using a local XXXX XXXX XXXX   division recommended by our agent. We were told that our loan would eventually be transferred to a new provider but to make payments over the phone to the local branch in the interim which we did from the time of closing through XX/XX/XXXX. I paid the mortgage for XXXX and XX/XX/XXXX on XXXX via credit card as I have done for the past 8 months. I received a notice in the mail saying my account had been transferred to a new provider and was given a new loan number, as well as notices from the new provider ( Dovenmuehle Mortgage Inc ) that I owed over {$3000.00} for the months of XXXX and XXXX which had already been paid. I contacted Dovenmuehle Mortgage Inc with the number provided on the notice and was told to email a general customer service inbox with copies of the receipts so that they could " locate where the money went ''. I sent the email 5 days ago and have still recieved no response, and have gotten more notices saying I now owe late fees for an account I paid far ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: SC

Complaint narrative:
I disputed an erroneous collection item for XXXX XXXX XXXX on my Experian report. I received a notification the same day that the item had been deleted from my report. I next received an alert within a few minutes that my Experian Credit Score had decreased by XXXX points. I called Experian at XXXX ( XXXX ) XXXX and spoke with representative XXXX at XXXX to ask why my score had decreased. She proceeded to tell me that a score could drop for various factors. I advised her that I was aware of that but why did my score drop if they had no new information reported to result in a XXXX pt decrease. He toldme they did not have any new information that was reported today. She then told me if I wanted further information I would have to consult with a financial advisor. I feel as though I was penalized for disputing the erroneous collection item on my report and being that Experian is the company that decreased my score they should be able to explain why. I should not have to pay a financial advisor to tell me why a company that has all control over my credit score can just drop it at will for no valid reason.

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 2020-05-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020, Governor XXXX of California shut down the state and ALL NON-ESSENTIAL workers were order to stay home until XX/XX/XXXX due to COVID-19 pandemic. I am a XXXX XXXX and we are consider non-essential. My building where I lease a salon suite , closed the building until stay home orders are lifted. All my wages depends solely on clientele. Once I lost wages and was unable to receive unemployment, I was unable to pay my Macy 's Store credit card due XX/XX/2020 in the amount of {$60.00}. On XX/XX/XXXX, I called Macy 's to enroll me in the Relief program for customers whose jobs have ben affected by the COVID-19 pandemic and if my late payment was reported, if it was could he revered it. He said he couldn't see if it was on reported and that I have would to look on my credit report. Today, I see that Macys has reported " late payment '' on my credit report, which is utterly disgusting to do during a pandemic when we are all struggling to survive, keep our family safe and are forced to stay home relying on a tumultuous government. I am on public  assistance now and EDD just allowed sole proprietors to apply for benefits in XX/XX/XXXX. I would like this inaccurate " late payment '' removed. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: NJ

Complaint narrative:
Some years ago I lost my documents and my identity was stolen, after that, I have found accounts in my credit that are no mine. This is identity theft, these account must be removed from my credit profile immediately.

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 2020-05-13 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:
Hi, my name is XXXX XXXX. I was reviewing my credit information and I found fraudulent activity on my report. Please open an investigation and remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: MN

Complaint narrative:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: OH

Complaint narrative:
I pulled my credit and found that someone has been using my SS XXXX and DOB XX/XX/XXXX to open up credit cards and accounts! The following accounts are not mine and needs to be removed from my credit reports : RECOVERY ONE LLC # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had my bank account closed in XXXX at Chase in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, CA. I told the bank would have close my account due to funds not available too me because I have a payroll block ; on my payroll. I then started hearing about wildfires in CA, close to where I was banking, I then read in the California DBO Oversight ; these counties need to close their accounts, with the bank. I wait a while to see if the banker would have told me and never did, I then closed my account, in good terms with banker, at that moment, I asked if I could return back to the with bank after I close the account, and the banker stated ; yes. 

XX/XX/XXXX ; I went to open a Chase Secured account, and it was fine, the account was opened, and did not receive my debit card in the mail. I called, left messages,, and went to the bank located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I was told they are closing my account, and they don't known the reason why. 

I called Chase Customer Service number to find out why, she stated there is no reason, it's the banks decision, and I said so dose that mean to ever bank at Chase again. The Customer Service Rep, said yes. 

XX/XX/XXXX, I sent a twitter message to Chase Support. XX/XX/XXXX stating they are sorry and could find me in the system, I respond with my account number ; XX/XX/XXXX today, I received a twitter message to call Chase, I called and was not able create an account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
MY IDENTITY WAS USED TO OBTAIN GOODS WITHOUT MY CONSENT OR KNOWLEDGE I DID NOT AT ANYTIME APPROVE OR WAS AWARE OF ANY SERVICES THAT THE PERSON WHO USE MY IDENTITYNTHE ACCOUNT WERE OPEN FRAUDGENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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