vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 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:
My Credit File/Report and score from Experian did not show up when Mortgage lender attempted to pull credit file. XXXX XXXX attempted to pull this report from Experian and received an error that a score should be there, but it was not being released by Experian. 

I contacted Experian on XX/XX/2021 to find out why my credit file was not released to our lender and was told that I have a " MIXED FILE ''. 

Experian stated they opened a dispute for the 2-3 other names that were showing on my credit file that are NOT me and a dispute for the items listed on my report that do not belong to me. It was stated that the entire correction would take up to 10 business days to resolve. That they would have to separate the information from my account. 

I called to follow up today XX/XX/2021, and was told that absolutely nothing has been done to resolve this. Asked for a supervisor and was told one was unavailable! 

There is {$130000.00} in loan debt showing that is not mine. This includes 3 credit card accounts, an auto loan account, a mortgage account, a home improvement loan account and several now closed accounts that are showing that are not mine. Also showing are 2 collections accounts for {$270.00} and {$940.00} that are not mine. 

I would appreciate any help to resolve this issue immediately- I can not buy a home without this first being resolved.

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 2021-10-21 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
In XXXX I was the subject of identity theft and a credit card was opened in my name with XXXX XXXX XXXX XXXX XXXX Several thousand dollars were charged to the account and I discovered the fraud when I checked my credit report. I filed a police report and communicated with XXXX XXXX XXXX XXXX and the three credit reporting agencies and the fraudulent account was deleted from my credit report in XX/XX/XXXX. I have now discovered that Portfolio Recovery filed a derogatory report against me with XXXX in XXXX, almost a year after the fraudulent account was deleted. XXXX has explained to me that XXXX XXXX  sold the account to Portfolio Recovery AFTER XXXX XXXX KNEW the account was fraudulent and Portfolio Recovery should have known as well. This has now adversely affected my credit rating and I want the derogatory report removed. XXXX claims it can only do so if XXXX XXXX or Portfolio Recovery takes action. A copy of the XXXX dispute resolution dated XX/XX/XXXX reflecting the deletion of the fraudulent account is uploaded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 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: KS

Complaint narrative:
On XX/XX/XXXX i sent in a dispute letter to XXXX, Equifax, and XXXX about some accounts that i saw on my credit report. That was over 120 days ago, i also have been sending in more letters every month to try and get these accounts removed or updated. The most recent letter was sent on XX/XX/XXXX. They have been ignoring me. The accounts are not accurate, and they haven't even verified them with me properly. They have failed to maintain proper documentation and accuracy with me. How can they just violate my rights with no explanation for well over 120 days? I always though that the Fair Credit and Reporting Act was supposed to guarantee that they report only accurate information. This is all really confusing because each reporting agency is showing different information. Some late payments are complexly wrong and unverified yet they wont remove them. Other accounts are closed yet still showing they are open and missed payments on a closed account, it is a complete mess. I just want all of the incorrect information on my account removed because this is stressing me out like crazy. I haven't filed an FTC report because i want to go to you all first and hopefully they will just remove all the inaccurate information now. But they are in violation of my consumer rights i need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
XXXX  XXXX XXXX Account has been reported by multiple Collection Agencies over the years. It had been removed from my credit report ( see attached -- -- ) and recently resurfaced from XXXX under PARAMOUNT RECOVERY as Opened Account XX/XX/2021 which is inaccurate and has reduced my credit score by 48 points! as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMEX continues to play with our business. After paying the balance in full, the XXXX card got the limit decreased for no reason. Now, paid XXXX balance and limit got cut by XXXX XXXX Both personal credit scores, mine, and my husband is XXXX, as well as business, growing XXXX XXXX over month. Nothing overdue, never miss a payment. Discrimination? Retaliation? I want an explanation written here so CFPB can investigate. I want the membership back as compensation for all the trouble AMEX caused to my business management.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
inquiries on my credit reports are inaccurate alo i have no knowledge of these inquiries placed on my credit reports thiet not mines and i writing you to help get this resolved these inquiries were done without my permission or my consent that i have no knowledge of.

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 2021-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: PA

Complaint narrative:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as posssible. I reported this and have also included the FTC Affdavit thats lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenice to me as consumer. I XXXX XXXX am making this complaint. This is not a 3rd party you guys tried that before. I've provide 2 FTC Affidavits.

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 2021-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX I was the subject of identity theft and a credit card was opened in my name with XXXX One/Saks Fifth Avenue . Several thousand dollars were charged to the account and I discovered the fraud when I checked my credit report. I filed a police report and communicated with Capital One/Saks Fifth Avenue and the three credit reporting agencies and the fraudulent account was deleted from my credit report in XX/XX/XXXX. I have now discovered that XXXX XXXX filed a derogatory report against me with XXXX in XXXX, almost a year after the fraudulent account was deleted. XXXX has explained to me that Capital One sold the account to Portfolio Recovery AFTER CAPITAL ONE KNEW the account was fraudulent and Portfolio Recovery should have known as well. This has now adversely affected my credit rating and I want the derogatory report removed. XXXX claims it can only do so if Capital One or XXXX XXXX takes action. A copy of the XXXX dispute resolution dated XX/XX/XXXX reflecting the deletion of the fraudulent account is uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: AK

Complaint narrative:
On XX/XX/2021 Specialized Loan Servicing LLC reported a {$10000.00} dollar increase in my mortgage balance. My billing statement states my mortgage balance is {$110000.00} and they are reporting the balance as {$130000.00}. This is the fourth time they have reported an increase in my mortgage balance while I have been on a forbearance plan with them. Each time I dispute the increase, they correct the balance back to the stated balance on my billing statement and then state they are providing accurate information. They also state they are adding the missed payments to my mortgage balance which would imply that I am liable for the payment twice, once under the existing mortgage balance and again by them adding the missed payment amount to the mortgage balance. They then report the increased balance to the credit bureaus even though I am on a forbearance plan with them and the Cares Act makes it illegal to do so.

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 2021-10-21 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: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I am asking for cooperation from NationStar Mortgage, LLC OFF Loan no. XXXX and given XXXX XXXX. XXXX given Title commitment I just did not proceed with this loan and is an resolution to the Mortgage and Insurance fraud by XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That on XX/XX/XXXX I received from XXXX XXXX dated XX/XX/XXXX as the corrective order Title Ownership to XXXX XXXX and XXXX XXXX order no. XXXX and again, again and again over XXXX  never paid XXXX for XXXX XXXX XXXX XXXX, mi XXXX and is A Big Fraud. 

Which means XXXX XXXX faked a title commitment no. XXXX and which means XXXX XXXX XXXX also faked clear title which is the reason the on XX/XX/XXXX michigan state treasury sent myclaim id escrow XXXX to XXXX  and XXXX contacted me contacted me with a claim number as XXXX and they are clearly lying to the CFPB and should face penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: KS

Complaint narrative:
On XX/XX/XXXX i sent in a dispute letter to TransUnion, XXXX, and XXXX about some accounts that i saw on my credit report. That was over 120 days ago, i also have been sending in more letters every month to try and get these accounts removed or updated. The most recent letter was sent on XX/XX/XXXX. They have been ignoring me. The accounts are not accurate, and they haven't even verified them with me properly. They have failed to maintain proper documentation and accuracy with me. How can they just violate my rights with no explanation for well over 120 days? I always though that the Fair Credit and Reporting Act was supposed to guarantee that they report only accurate information. This is all really confusing because each reporting agency is showing different information. Some late payments are complexly wrong and unverified yet they wont remove them. Other accounts are closed yet still showing they are open and missed payments on a closed account, it is a complete mess. I just want all of the incorrect information on my account removed because this is stressing me out like crazy. I haven't filed an FTC report because i want to go to you all first and hopefully they will just remove all the inaccurate information now. But they are in violation of my consumer rights i need some help.

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 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Please accept this formal complaint against Citi Cards, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I have two credit cards with Citi Card. On card ending in # XXXX my XX/XX/XXXX statement payment was due on XXXX XXXX, a Saturday. Payment was taken from my checking account XX/XX/XXXX. On my XX/XX/XXXX statement payment was recorded as received on XX/XX/XXXX, a Monday, along with a late fee of {$29.00}. I reached out for assistance from Citi Card sharing my information on the payment and they said I was late period. I am not aware of any financial transactions that can be completed on a weekend since the Federal Reserve is closed. The funds personally left my position/account on XX/XX/XXXX, prior to the due date. Citi Card refused to remove the late fee of {$29.00}. Please see attachments marked XXXX pmt. 
I feel my method of payment is being discriminated against. I tested a similar transaction on a Saturday by going to their website and initiating a payment to Citi Card from my checking account on XX/XX/XXXX, a Saturday. Citi Card recorded the payment received from me on same day, but the funds were not received by Citi Card until XX/XX/XXXX, a Monday. The same day taken from my checking account. This was not considered late, but Citi Card is receiving the dollars on the following Monday in both situations. Please see attachments marked Example test. Why are they treating these payments differently? 
I have been a customer of Citi XXXX since XXXX. In XXXX I opened a second credit card with them. When reviewing the last few years spend, on average it is approximately {$16000.00} per year. I pay in full and timely all my obligations. The merchant fees they earn on my purchases are an estimated {$480.00} per year approximately {$3000.00}. So, for trying/forcing me to pay a {$29.00} late fee they are willing to risk losing a loyal customer. They took it even a step further and reported me late to the credit bureaus I recently discovered. I recently applied with a new vendor for credit and was denied because of their false reporting. I started earning credit forty-three years ago and have NEVER missed a scheduled payment. My credit rating has always been exemplary. Its disturbing that Citi Card can tarnish this and prevent me from doing business for {$29.00} late fee that I feel is charged in error. I paid timely. 
Please help me have Citi Card recognize that my payment was made on time, just like the example test transaction that I completed. I request that they also reach out to all credit agencies and correct/remove what they reported in error ( which I am also told was vague late payments ). 

Thank you for your time and consideration,

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 2021-10-21 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account AMERICAN HONDA FINANCE is reporting 30 days late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Lender overcharged escrow in modification balloon payment and finally admitted to it but did not change amount due on balloon balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: TX

Complaint narrative:
On XX/XX/XXXX I received a letter from Experian stating they had verified an incorrect bankruptcy that is on my credit report and it will remain on my report. In the previous letter that I sent to them I requested for them to explain how they verify information. In the letter attached Experian states that they use a third party vendor named XXXX XXXX and also public records from the courts. 

On XX/XX/XXXX I received a letter from XXXX XXXX stating they had deleted the bankruptcy from my report after not verified. on XX/XX/XXXX I then forward the letter and another dispute letter to Experian requesting they remove the bankruptcy and they replied back with results via email stating the exact same thing ( they verified with XXXX XXXX ). 

On XX/XX/XXXX I received a letter from a clerk from a Texas US court in XXXX XXXX, Tx ( screenshot and letter is attached ) confirming they do not share any information to credit reporting agencies. I then sent another dispute letter to Experian including the letter from XXXX showing they removed it and the letter from the US Bankruptcy courts although Experian is saying they verified through them both. 

Experian is refusing to delete this unverifiable account on my credit report and it is causing so much damage on my ability to purchase a home. 

This is unverified account need to 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 non-monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 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: EGL US, LLC
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company BMG MONEY INC is currently showing 30 days late for the month of XX/XX/2020. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

BMG MONEY INC ***** Opened XXXX XXXX, 2020 Balance {$0.00} Late closed ( XXXX ) BMG MONEYXXXX Opened XXXX XXXX, 2020 Balance {$0.00} Late closed XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation