vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 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: CA

Complaint narrative:
There is one account on my credit report that is not mine I have opened an FTC on this I have tried in every way to reach out to the furnisher and the bureau but nothing nothing has happened I need this off my credit account this is not mine it does not belong to me and it should not be in my report. 

Account Name : XXXX CARD Account Number : XXXX Reason : Unverified account

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 2021-03-31 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: CA

Complaint narrative:
There is one account on my credit report that is not mine I have opened an FTC on this I have tried in every way to reach out to the furnisher and the bureau but nothing nothing has happened I need this off my credit account this is not mine it does not belong to me and it should not be in my report. 

Account Name : XXXX CARD Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
contacted collection company on XX/XX/2021 to validate debt.. via XXXX never got a response. 
contacted collection company on XX/XX/2021 to validate debt via XXXX still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 4 accounts on my credit report that are not mine and a bankruptcy that are not mine they do not belong to me I have not applied for these used this or even applied for this. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2021-03-31 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: TX

Complaint narrative:
An unverified and inaccurate account was placed on my Experian credit report. I have no account with the collection agency that is collecting on This account. This is against the FTC codes and against my rights. Please remove off my account or I will file for litigation. Please remove XXXX XXXX XXXX off my account.

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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian also have 3 inquiries that need to be removed. I have never authorized it nor did the creditor have permissible purpose. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. With that being said I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX inquired on XXXX XXXX, US SM BUS ADMIN ODA inquired on XXXX XXXX and US SM BUS ADMIN ODA inquired on XXXX XXXX to determine who requested this credit inquiry. 
If you find I was not the one who authorized this inquiry, I ask that it be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed to my mailing address XXXX XXXX XXXX XXXX XXXX, La XXXX If you find that I am in error, then please send me proof of this.

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 2021-03-31 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: PA

Complaint narrative:
I submitted a dispute to Equifax to remove fraudulent inquiries on my credit profile and they wrote back they these items are not reporting on my profile. I went on both XXXX and XXXX and I see that these items are still reporting on my profile. 

I have attached the response I received from the bureau saying that these inquiries are not reporting to my profile, but they are. I request that they be removed. 

Due to this being my second time reaching out to Equifax to remove these accounts I ask that the CFPB due their due diligence to assist me with the issues at hand. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I never applied for a XXXX Credit Card. I just now realized this remains on my credit report. I have contacted all three credit bureaus XXXX, XXXX and XXXX  and they have done nothing. I have written letters on 3 different occasion XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The account has been sent to 3 different collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CA

Complaint narrative:
There are 4 accounts on my credit report that are not mine and a bankruptcy that are not mine they do not belong to me I have not applied for these used this or even applied for this. 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2021-03-31 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: CA

Complaint narrative:
There are 4 accounts on my credit report that are not mine and a bankruptcy that are not mine they do not belong to me I have not applied for these used this or even applied for this. 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian is also reporting my personal information in error and inaccurately. Ive disputed these errors and incorrect items on my credit report numerous times and provided documentation of my one and only address and your company still failed to remove and update this incorrect information. The items showing errors and reporting incorrectly is : The address of XXXX XXXX XXXX XXXX XXXX, La XXXX and XXXX XXXX XXXX XXXX XXXX, La XXXX. I can not receive any mail from the United States Postal Office at either address. 
My correct address and the only address I reside at is XXXX XXXX XXXX XXXX XXXX, La XXXX please update. 
My correct date of birth is XX/XX/XXXX ( XXXX ) please correct and update. I Ive provided supporting documents, my original Louisiana birth certificate, my Louisiana Drivers License, my social security card, my W2 and a copy of an utility bill. Please reinvestigate these and delete and correct the disputed items as soon as possible.

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 2021-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
They keep charging me even the account is close and now they threaten me saying that if I dont pay XXXX $ before XX/XX/XXXX they will take legal action to damage. My credit After this pandemic hit I kept calling them to let them know I am not working and and that I was making my payments but they charged so much interest and fees please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: TX

Complaint narrative:
On XX/XX/2020 I started communicating with Intercontinental Capital Group ( XXXX ) to apply to refinance my current mortgage. They requested numerous items for the loan which I provided. This went through review and underwriting which required more items which I provided. I've continued to provide all items they've requested. Their closing process has drug out for several months. Due to not closing timely the underwriting surpassed the XXXX snow storm which they said resulted in additional underwriting. This includes obtaining an inspection following originally being told I wouldn't need or have to pay for one ( original CD omits inspection as well ). I've also come across numerous issues with them adding erroneous fees to closing estimates. When questioned they would apologize and remove them. Lately, its been extremely difficult to get them to give me any sort of timeline on when we will close. They consistently go weeks with no progress and then reach out and say all the paystubs and bank statements are outdated and need to be updated. It's ridiculous how long this has taken but now I have sunk costs in the appraisals and time. I just want to close and be done with this company. Can someone at the CFPB help get them to fulfill their end of the process?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is one account on my credit report that does not belong to me I have been going back and forth with the credit bureau and nothing has been happening I have opened a FTC report and still nothing I need to know why this is still on my credit report if it does not belong to me. 
XXXX XXXX - Acct # XXXX XXXX {$0.00}

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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
SinceXX/XX/XXXX I have sent out paperwork 4 times and I have been told thru management that they have received the paperwork and then next week " we didn't get it pls send in again '' I call noone can tell me anything but send it in I ask for name change and dispute some things and find info on how to fix and make my credit better and out of the times I called it was unprofessional unpredictable and stressful XXXX had updated it but the rest of them us giving me problems can someone pls help me in this matter

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 2021-03-31 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: CA

Complaint narrative:
There is one account on my credit report that does not belong to me I have been going back and forth with the credit bureau and nothing has been happening I have opened a FTC report and still nothing I need to know why this is still on my credit report if it does not belong to me. 
XXXX  XXXX  - Acct # XXXX XXXX {$0.00}

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 2021-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Due to the COVID-19 pandemic, for the first time ever in this account, I accrued a 30 day late payment mark on my credit report. This was all set in motion by the immediate halt to my families income. In all the chaotic mess, I missed my payment in XX/XX/2020. Otherwise, I have never been late on this account before or since. I am making more than the monthly payment amount and the account is actually getting close to being paid off. This pandemic was an unforeseen hardship and it should be held as such.

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 2021-03-31 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: MS

Complaint narrative:
On XX/XX/20, I sent Equifax a letter first class mail certified indicating I am unable to identify the original lender of a XXXX XXXX XXXX account XXXX that is listed on my credit profile. This account lists XXXX XXXX  as the Original Lender in error. However, XXXX XXXX  holds the note only, as most banks. Therefore, this account and account number does not match any of my records. This inaccurate collection account continues to show 120 days late which is violation of the Metro2 Standards. 

I have not received anything from XXXX XXXX XXXX in writing with my written signature nor orally validating the debt or anything to support that I have a debt with XXXX XXXX XXXX. Therefore, I was not privileged to dispute within the initial 30 days of initial written notification. XXXX continues to report this erroneous account without proper investigation. It is my right to know the original creditor under the FCRA which has been violated and has caused me a great deal of emotional trauma during this Pandemic period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are two accounts that are on my credit report that are not mine I have been writing to the bureaus and the furnishers regarding this I have opened an FTC but nothing. I have not signed approved or used these accounts I have no clue what they are for and why they are on my credit report. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CALIFORNIA Account Number : XXXX Reason : This is not my account

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 2021-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My wife and I were financially affected by Covid 19 in XX/XX/XXXX. I closed most credit cards and made agreements to pay them back at a lower monthly payment. Capital one, after several months of deferment of payments, continued charging me late fees and internet. In XXXX, capital one refused to work out a payment plan for me to pay them back, telling me to call next month to see if any new programs come up for me. I called for two months without assistance. Finally in XX/XX/XXXX Capital one put me in a customer assistance program, paying {$150.00} per month starting in XX/XX/XXXX then each month on the 12th thereafter on auto pay. Capital one placed 30 and 60 day late notices on my credit report, hurting my family. I filed complaint with BBB on XX/XX/XXXX. On XX/XX/XXXX Capital one agreed to remove the 30 and 60 day late derogatory notes from my credit report. On XX/XX/XXXX Capital one now placed a 30 day late notice on my credit report for the month of XX/XX/XXXX. Not true, payment was made on XX/XX/XXXX per assistance program. This new 30 day late notice for XX/XX/XXXX by capital one is false reporting and is again hurting my credit, making it difficult to get a bill consolidation loan, 2nd mortgage or personal loan. I filed another complaint with BBB on XX/XX/XXXX and awaiting a response. This practice of capital one falsely reporting a late not for XXXX is causing us to possibly have to file bankruptcy if it continues. They need to stop this false reporting to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CA

Complaint narrative:
There are two accounts that are on my credit report that are not mine I have been writing to the bureaus and the furnishers regarding this I have opened an FTC but nothing. I have not signed approved or used these accounts I have no clue what they are for and why they are on my credit report. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CALIFORNIA Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I lost business due to covid I applied for a forbearance. I was told that my lender didn't participate ... I then applied for a modification ... and now a short sale ... lender wont deny my request ... they just say ... no ... .no letter explaining..or detailing my request and denial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CA

Complaint narrative:
I am very upset there are two accounts on my credit report and 3 inquiries that do not belong to me I need these off my credit this is clearly identity theft and nothing is being done buy the bureaus regarding this after sending multiple letters to them. 

XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX  XXXX/XXXX - XXXX INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX 2019

Company response to consumer: Closed with explanation