vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 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: MS

Complaint narrative:
Someone applied for a credit card with XXXX XXXX  in my name. I have been going back and forth for 7-8 months now. I did nto apply for this credit card and I am not using it. Someone must have access to my social number other than me. The person is using the credit card that I never applied for. It is a XXXX XXXX  credit card with {$1000.00} credit limit. Experian has been reporting this on my account for 8 months now and I tried to dispute with XXXX, but they keep saying that is me. I have perfect payment history and have other credit cards on my report. I would never apply for a credit card with such a low limit.

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 2021-09-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation " 15 USC 1692e ''. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI has been sending me collection notices in the amount of {$85.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2021-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have a personal loan with USAA. The pandemic hit and they offered to stop the payments for 3 months I agreed. I made the first payment in beginning of XXXX and stopped for the 3 months and began repaying again in XX/XX/XXXX. I originally paid the loan in full for the first payment but decided I would pay the loan twice a month instead of in lump sum. I would break the payment into two and make the payments on time and everything seemed fine. One day months later I was looking at my banking accounts noticed the balance jumped in front of my eyes. I thought it was strange so I told my husband about what I had seen. A few days later I noticed the same thing happened again. My husband had asked if had taken a screenshot and I didn't so this time around I thought about it but decided not to again. It happened a third time and this time I was determined to start taking the screenshot. In XXXX of XXXX I went to make a normal partial payment and notice the entire set up of the loan was different. I made the payment and contacted the bank to ask about the changes I was seeing and they told me this was normal. I began to take record of what was happening to me. I still can not find the first payment on the loan as it is as if it was never paid. Its nowhere in the payment history and their explanation is that they loan was paused for 3 months. 

The bank was now collecting interest twice while adding it back to my principal balance daily. So currently my PRINCIPAL balance increases daily and even if I make a payment to change my principal balance the interest is being added back to the principal balance daily. I do not understand how I can be paying the same amount in interest as when the loan began and the principal balance is less. Please audit my account. 

This bank is taking advantage of me and maybe others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Home Loan Center, Inc.
State: NJ

Complaint narrative:
Yesterday I discovered I was mis sold a front loaded XXXX loan by XXXX XXXX ( see attached email ) from XXXX. I was looking for stop gap ( XXXX week ) loan with no prepayment penalties instead I was sold a front loaded 9 month loan. 

When I contacted XXXX customer service to get the payoff amount and was told I need to pay 75 % of the 9 month interest. This is when I reached out XXXX XXXX cced from XXXX ( XXXX 's XXXX ) to complain about mis selling and abuse of fiduciary trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: OH

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Some unknown person open up accounts in my name without my permission.. such as XXXX XXXX XXXX XXXX/CHARGEOFF AND XXXX  and the XXXX  XXXX. Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
XXXX ( XXXX  ) XXXX Spring Oaks Capital Purchased The Debt Balance XXXX Credit Limit XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Remarks Charged off as bad debt Dispute Resolved Customer Disagrees They have sold the debt to ( Springs Oaks Capital ) I have contacted the company and disputed with them haven't recieved a response ( A ) I Have deputed with the credit all 3 credit bureaus, also XXXX XXXX XXXX and I haven't received the proof of how the account was verified ( B ) I have no acknowledgement of the account it's becoming more difficult with the misleading information. I have the right to a accurate credit report and it is illegal to have misleading information on a report without providing the proof they are violating the rights of the fair credit reporting Act. 


the Credit limit on the card for XXXX  is ( XXXX ) the Credit limit on the card showing on the report for XXXX  is ( XXXX ) The credit limit on on the credit card showing on the XXXX  report is ( XXXX ) This Is inaccurate information based on this it needs to be deleted off the credit report The High Balance On The Credit Card Is Inaccurate. The High Balance On The Card For XXXX  Credit report is ( XXXX ) the high balance on the XXXX credit report is ( XXXX ) the high balance on the XXXX  Credit report is ( XXXX ) this is inaccurate information based on this it needs to be deleted from my credit report last reporting dates are also inaccurate XXXX  States ( XX/XX/XXXX ) XXXX states ( XX/XX/XXXX ) XXXX  states ( XX/XX/XXXX ) this is inaccurate information reporting it needs to be deleted from my credit report because if the account is closed how can they report anything this is in violation of the FCRA Dates of last activity states for XXXX ( XX/XX/XXXX ) for XXXX  ( XX/XX/XXXX ) for XXXX  ( XX/XX/XXXX ) this is inaccurate information the account needs to be deleted from my credit report Date Of last Payment XXXX  Shows ( XX/XX/XXXX ) XXXX  Shows ( XX/XX/XXXX ) XXXX  Shows ( XX/XX/XXXX ) The Dates are inaccurate and does not match it needs to be deleted off my credit report and XXXX  is showing payments was made to the account XX/XX/XXXX ) - ( XX/XX/XXXX ) and no payments was ever made this is false and inaccurate information please remove this negative account from my credit report it is causing me great harm and stress they are breaking so many laws and also re  aging the account which is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
after reviewing my credit report I sent a dispute letter to XXXX, XXXX  and Equifax on the inconsistent accounts and inaccurate information account XXXX XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX XXXX XXXX  XXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX XXXX XXXX XXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account USDOE/XXXX XXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
after reviewing my credit report I sent a dispute letter to XXXX, Experian and XXXX  on the inconsistent accounts and inaccurate information account XXXX XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX XXXX XXXX XXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX XXXX XXXX  XXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account USDOE/XXXX XXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items 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 non-monetary relief
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX Ability Recovery Services , LLC opened an account in the amount of {$1800.00}. This was a collections account for educational services. On XX/XX/XXXX Ability Recovery Services closed the first account and opened a second account for the same educational provider. This new account was in the amount of {$1900.00}. On XX/XX/XXXX the second account was closed and a third account was opened by Ability Recovery Services LLC for the same educational provider. The new amount was for {$2000.00}. This is a blatant attempt to re-age the debt. As seen in the attached images, each time the new account is opened the original amount of the debt is also changed, which is incorrect.

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 2021-09-02 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: IL

Complaint narrative:
I have contacted Equifax special handling department and explained that I had received notification that someone had applied for some accounts in my name. I had called the companies and explained the situation and they noted the incident. I spoke with someone but they didn't seem to understand what I was telling them. I keep checking my credit report and these inquires are still listed. Please delete this FRAUD information from my report. I have attached proof they sent me a letter this should be deleted but they did not remove them & each time I call it's a different excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: IL

Complaint narrative:
XXXX, Trans Union, XXXX, XXXX XXXX  and etc. never investigated inquires and they willing knew it was a violation of my rights so they are criminally liable and Civil liable pursuant to 616 15USC 1681n civil liability for willful noncompliance any person who willfully fails to comply with any requirement imposed under this title with respect to XXXX XXXX is liable to that consumer in an amount equal to any actual damages sustained by XXXX XXXX as a result of failure and in the case of any successful action to enforce any liability under this section the cost of the action with resonably attorney fees as determined. The Bureaus ( transunion, XXXX, XXXX, XXXX  and etc. ) deletion is admittance to them reporting fraud information on 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 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
Nationwide Credit & Co. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX phone : XXXX is calling and sending letters about an outstanding debt of {$2100.00}. I have informed them that this is not my account and I do not owe this debt. They reported it as a collection to XXXX, I disputed it, and XXXX  's investigation did not remove the debt. I have never had an existing account with Nationwide Credit & Co. and this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX of 2020, I disputed the accuracy of a late payment on my report. I disputed this account with the creditor, XXXX XXXX  and all three major credit bureaus. Unfortunately, my efforts did render a positive outcome. XXXX XXXX  never responded to my request for validation or an exemption for the one time late payment. Under these circumstance, the creditor not responding within a 30 day time frame upon receipt of my dispute, is sufficient means for deletion off my credit report. XXXX  & TransUnion both disregarded the FCRA ruling by not thoroughly investigating this dispute properly. I'm requesting deletion based upon the fact that they did not follow procedures as outlined in 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 2021-09-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX of 2020, I disputed the accuracy of a late payment on my report. I disputed this account with the creditor, XXXX XXXX  and all three major credit bureaus. Unfortunately, my efforts did render a positive outcome. XXXX XXXX  never responded to my request for validation or an exemption for the one time late payment. Under these circumstance, the creditor not responding within a 30 day time frame upon receipt of my dispute, is sufficient means for deletion off my credit report. Experian XXXX XXXX  both disregarded the FCRA ruling by not thoroughly investigating this dispute properly. I'm requesting deletion based upon the fact that they did not follow procedures as outlined in 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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I do not dispute the account reported on my credit report from XXXX XXXX  ( credit card account ). ( I previously disputed the information as incorrectly showing the account as closed on the three credit reporting agencies. ) After I disputed the information originally, the reporting agencies updated the entry to show that the account is open. However, the report still includes a comment that I dispute the information as of XX/XX/2021. Because the information is now correct and I do not dispute the information, I reached out to all reporting agencies and XXXX XXXX  asking that the comment that I dispute the account information be removed. 

XXXX XXXX  provided a non-responsive answer when I requested they report that I do not dispute the account information. XXXX  said there is not enough information so they are asking the creditor for information. Responses from XXXX  and Equifax is pending. Based on XXXX 's inadequate response and the likely response of the reporting agency to ask XXXX for information, a complaint to the CFPB seems necessary to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I do not dispute the account reported on my credit report from XXXX XXXX  ( credit card account ). ( I previously disputed the information as incorrectly showing the account as closed on the three credit reporting agencies. ) After I disputed the information originally, the reporting agencies updated the entry to show that the account is open. However, the report still includes a comment that I dispute the information as of XX/XX/2021. Because the information is now correct and I do not dispute the information, I reached out to all reporting agencies and XXXX XXXX  asking that the comment that I dispute the account information be removed. 

XXXX XXXX  provided a non-responsive answer when I requested they report that I do not dispute the account information. Experian said there is not enough information so they are asking the creditor for information. Responses from XXXX  and XXXX  is pending. Based on XXXX 's inadequate response and the likely response of the reporting agency to ask XXXX for information, a complaint to the CFPB seems necessary to resolve this issue.

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