vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$27000.00} on the XXXX   partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned to the dealership within the time frame allotted to do so. The vehicle was then sold at auction and sold for more than what was owed and therefore this account needs to report at {$0.00} balance. There is no outstanding balance and consequently no collection amount to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-24 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:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$27000.00} on the XXXX   partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned to the dealership within the time frame allotted to do so. The vehicle was then sold at auction and sold for more than what was owed and therefore this account needs to report at {$0.00} balance. There is no outstanding balance and consequently no collection amount to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-24 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: OH

Complaint narrative:
I recently submitted an complaint regarding Experian Investigation regarding their right to report inaccurate, errors, unverified information on my credit report. The E-Oscar method has to stop because it does not show if a " real human being '' is collecting data, investigating and providing a verified documentation on file with respect to 609 of the FCRA.

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 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX XX/XX/2020 I submitted the proper printed form to request my ( 3 ) annual credit reports. Two agencies have complied. Experian has been negligent in complying with this request. The time frame of my last request was in excess of 18 months. During my last request again it was EXPERIAN whom disregarded the FCRA requirements. 
It would appear to me that Experian deliberately tries to avoid supplying citizens with their requested reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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:
Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 



1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balnce XXXX Reporting on : XXXX  Experian and XXXX. I was NEVER late on this account please remove this negative information from my credit report 2. Account Name : XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Reporting on : Experian and XXXX. I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Experian and XXXX. I have no financial obligation with your company please delete this information from all credit reports like XXXX has done 4. Account Name : Unknown Collection Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Experian, XXXX, XXXX XXXX I have no financial obligation with your company please delete this information from all credit reports 5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and Experian I have no financial obligation with your company please delete this information from all credit reports like Equifax has done. 


5. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, XXXX and Experian. I have no financial obligation with your company please delete this information from all credit reports. 


5. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Experian I have no financial obligation with your company please delete this information from all credit reports like XXXX  and XXXX have done, for thsi account is and never has been mine

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 2020-03-24 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: FL

Complaint narrative:
I never had this account, i have never applied for this companies. I know that somebody used my personal information and applied for this companies, i never had contracts or agreements with XXXX XXXX XXXX  XXXX. I'm not responsible for this debt.

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 2020-03-24 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:
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA

Complaint narrative:
I had an outstanding late balance with Bayview of {$1800.00}. ( Actually from ocwen ) On XX/XX/20 I paid late charge balance of {$1800.00}. I have the canceled check as proof. On XX/XX/20 Bayview issued a  statement ( attached ) ) and indicated it was not paid. I called customer service and asked if they could update the account on. XX/XX/20. The representative apologized and said there was nothing he could do. I also asked him for a copy of my escrow statement and he was also unable to send the document. I looked for the document online and there was no copy. Im requesting a review of the escrow account as well as update the payment of {$1800.00} Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This company sent lawyer papers and called my work at XXXX XXXX My boss name is XXXX XXXX address is XXXX XXXX XXXX XXXX # XXXX XXXX XXXX nv XXXX And with the covid-19 disaster in my City this credit is hindering my life at the moment I sent captial one certified mail, called numerous of times and they well not get back to me to work out this debit that is incorrect and mailing my job is risking me to get fired

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
starting in XXXX I have been trying to contact this debt collector Professional of Bureau of Collections of Maryland. This is for my student loan in default, I am trying to resolve my debt and they give you an option of waiting on the telephone line to speak with someone you wait like 15 mins and then it goes to voicemail. to leave a message. I have left multiple messages and get no phone call back. This does not help a person to get their debt issues back on track. No One Returns calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian is reporting an inaccurate account with XXXX XXXX XXXX. It is incorrectly listed as Open. It has been closed/transferred. I disputed the item with Experian but Experian did not investigate the item or even attempt to verify it with the company. I called XXXX XXXX XXXX and was hung up on by two supervisors ( XXXX ph : 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 non-monetary relief
Consumer complaint received 2020-03-24 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: Nelnet, Inc.
State: CT

Complaint narrative:
XXXX  is reporting an inaccurate account with Great Lakes Servicing. It is incorrectly listed as Open. It has been closed/transferred. I disputed the item with XXXX  but XXXX  did not investigate the item or even attempt to verify it with the company. I called Great Lakes Servicing and was hung up on by two supervisors ( XXXX ph : XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: FL

Complaint narrative:
I never had this account, i have never applied for this companies. I know that somebody used my personal information and applied for this companies, i never had contracts or agreements with XXXX XXXX XXXX XXXX. I'm not responsible for this debt.

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 2020-03-24 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:
I never had this account, i have never applied for this companies. I know that somebody used my personal information and applied for this companies, i never had contracts or agreements with XXXX  XXXX XXXX XXXX. I'm not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XX/XX/XXXX I signed up for an XXXX MasterCard because I was promised a {$50.00} statement credit after spending {$250.00} within the first month. It is now XX/XX/XXXX and I have still not received the credit even though I fulfilled the promotional rules. I have contacted them no less than 4 times about this issue and even have a transcript with a useless Customer service online representative promising to give me the credit. Still have received nothing. They fraudulently ran the promotion to gain more users.

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 2020-03-24 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 HAS ACCOUNTS ON MY REPORT THEY REFUSED TO DELETE. THESE ACCOUNTS HAVE BEEN DELETED BY XXXX  ACCORDING TO THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I applied to open a joint share account at the XXXX XXXX XXXX XXXX ( XXXX ) in order to place some funds into CD 's. I had exceeded the amount of funds insured in my current credit union account and need to have use another institution so my money will be insured. I made several attempts to open the account online but was having issues. I contacted the XXXX several times by phone but was still not able to open the account. Finally, some more experienced person helped and found the problem. The XXXX uses Equifax to run a credit check before opening an account. I went online at all 3 credit bureaus and unfroze my and my wifes accounts and received confirmations of such actions. I contacted XXXX and told them the freezes had been lifted. They checked with Equifax at the end of the day XX/XX/2020 but they still got a response our credit was frozen. XXXX again checked XX/XX/2020 first thing and still got a response they were frozen. I went online and signed into myequifax.com account and it showed it was unfrozen. I called Equifax and spent over 2 hours waiting to speak to a representative. They checked and said the accounts were unfrozen. I still have been unable to get a share account approved by XXXX because my credit accounts are frozen. Equifax has total control over our lives, they make money off our data, yet we have no recourse when we can not get an account opened. Some of my money is sitting uninsured in my current CU and I am unable to open another account in a different CU to insure my money. This is just crazy and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
completed intake information with Quicken loans on XX/XX/2020 by the time i hit submit - Quicken Loans called me. 
with in a few minis, I had to complete the information requested in order to get a current rate. 
The intake asked me for my SS # and Date of Birth - by doing so - I asked will I get a copy of my report? I was advised to speak with another department after the service for that information. 

Afterwards I was transferred to another department - Client relations where I was told - That I can not get my full report that they pulled - but I can go to another website to get my information. That Quickenloans / DBA Rocket Mortgage - did not disclose to me that before taking my information - they refuse to give me a copy of that credit report - it's their policy. 

1 ] Upon their web Site - it does NOT Disclose that information before submitting your information. That it's Quicken Loans / Rocket Mortgage Does NOT Provide the applicant with their Credit Report. 

2 ] While on the call - that information is NOT DISCLOSED to the applicant before giving that information. - I was advise that Client relations will give you that information? 

I find it to be a bait and switch - misuse of personal information This is a violation of-. The Fair Credit Reporting Act. 



Phone number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mich. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: FL

Complaint narrative:
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2020-03-24 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: FL

Complaint narrative:
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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