vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 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:
Credit reporting agencies are reporting information that belong to someone else.

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 2020-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Conn's, Inc.
State: TN

Complaint narrative:
Conn 's has repeatedly called before XXXX  & after XXXX. They did so again today, XX/XX/2020 at XXXX. I've asked them repeatedly to stop, but they don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX at XXXX XXXX I made a call to the Tj Max credit card Hotline to elaborate my concern of why I owe $ XXXX.I was told the call will be recorded and the representative told me that my last name does not match with what she has in her files and that If I don't give the correct last name that she can not assist me further. I tried to explain that if my first and last name does not show in her account after giving my social security then that charged should be dropped or removed immediately from my record. I mention that I don't have my TJ Max card because its been so many years and I made a small purchased that was later paid in full therefore that's when the representative asked for my Social Security.She said sorry there is nothing I can do. I find this very unusual and looks like possible identity thief or scam as I do my best to pay off all my credit card bills and have good credit. 

this is what shows in my record : SYNCB/TJX COS DC {$210.00}

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 2020-01-22 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In 2019, several attempts were made to request that Comenity Bank/XXXX accurately report the status of my former account as " paid ''. Disputes were submitted to credit bureaus and requests were made to Comenity Bank. 

Comenity Bank has continue to inaccurately report the status of this account, even though it was sold to another entity, and subsequently paid. The account is not in a current " charge off status ''. I was given assurances that this status would be removed, and updated to " paid ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 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: Midwest Recovery Systems
State: IN

Complaint narrative:
This is the second time Midwest Recovery Systems has put a collection on my account for some payday loan I have never heard of, XXXX XXXX. No notification of such an item every received. I have never heard of their client and I want this removed immediately. They are already reported and revoked by the XXXX for complaints. It's ridiculous companies can get away with these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
I had a car loan with GM financial up until XX/XX/XXXX. On XX/XX/XXXX I traded in the car back to XXXX XXXX where I originally got it for something else. After tradeing in the car I noticed several months later that I had 2 late payments for XX/XX/XXXX and XX/XX/XXXX. I have turned in documentation several times to GM financial which includes a letter saying the dealership had the car. All I've asked was for the payment history to be updated to reflect not late because I no longer had this vehicle. On my XXXX credit report it has a closing date of XX/XX/XXXX while on my XXXX it has w closing date of XX/XX/XXXX. The last time I disputed this information GM financial added a late mark for XX/XX/XXXX on a closed account from XXXX. I called and notified them of this in which the call is recorded. All I want is the late payments to reflect on time never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In 2019, several attempts were made to request that XXXX XXXX/XXXX accurately report the status of my former account as " paid ''. Disputes were submitted to credit bureaus and requests were made to XXXX XXXX. 

XXXX XXXX has continue to inaccurately report the status of this account, even though it was sold to another entity, and subsequently paid. The account is not in a current " charge off status ''. I was given assurances that this status would be removed, and updated to " paid ''.

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 2020-01-22 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: PA

Complaint narrative:
In 2019, several attempts were made to request that XXXX XXXX/XXXX accurately report the status of my former account as " paid ''. Disputes were submitted to credit bureaus and requests were made to XXXX XXXX. 

XXXX XXXX has continue to inaccurately report the status of this account, even though it was sold to another entity, and subsequently paid. The account is not in a current " charge off status ''. I was given assurances that this status would be removed, and updated to " paid ''.

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 2020-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I was referred to Freedom Mortgage Corporation by my current Mortgage company, XXXX XXXX XXXX for a streamlined FHA mortgage refinance and I submittted the application on XX/XX/2019 and I was advised that the loan would close within 30 days and that I would not have to pay my Mortgage for the Month of XX/XX/2019. 
After 30 days, Freedom Mortgage loan Agent will not take my calls or provide an update, I finally got referred to a supervisor who claimed that he will escalate the process and they re-issued another loan documents now stating that closed will now be for another 30 days. They have misled me not to pay my existing mortgage because the loan was closing and they have kept pushing and stringing me along with the approval process for the last 4 months and have now refused to process my application and I believe that the decision is discriminatory and meant to cause me to loose my home through a loan default.

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 2020-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION
State: TX

Complaint narrative:
I applied for a loan through One Main Financial online. I was contacted on XX/XX/2020 by email and by phone by a person named XXXX who told me I was approved for a loan of {$2500.00}. She told me I needed to come in to the XXXX Branch office to complete the paperwork and that I would receive a check at that time. I went into the office today, XX/XX/2020. XXXX took all my paper work to make copies including my license and a voided check. She had trouble verifying the check even though everything I submitted was valid. After 20 minutes she returned to the office where I had been waiting and pretty much accused me of committing identity fraud. She kept telling me that I entered the wrong Social Security number on my application and she also stated that they pulled someone else 's credit because of me. I left the office humiliated, thinking I must have made the mistake, feeling ashamed and stupid. When I got home I checked my credit report and found out that XXXX or another person, acting as an agent of One Main Financial, had in fact pulled a hard inquiry on my credit report on XX/XX/2020. There is no way they could have pulled my credit report if they had the wrong SS number ( see attached screen-shot from XXXX. ) I called XXXX after I saw this, but she continued to insist that I was the one who gave the wrong SS number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
On XX/XX/2020 collectech diversified reported 6 diffrent amounts to my credit from XXXX XXXX. 
{$96.00} {$220.00} {$88.00} {$320.00} {$350.00} {$320.00} I never recieved the a bill for any of these charges and also I was never contacted about them. I also have no idea what any of these charges are for.

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 2020-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
My mortgage company Freedom Mortgage keeps calling, emailing, and sending me unwanted advertisements about refinancing my mortgage. Even every month when I pay my mortgage online, I have to dismiss ads about it before I am able to pay. Its getting ridiculous. I told them several times to take me off their call list and to stop bothering me about refinancing. Im not interested in refinancing and have told them this numerous times, they keep bothering me about 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 2020-01-22 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: TX

Complaint narrative:
I made many unscheduled large payments to a major credit card to increase my credit score but 26 points ( in which it did on two of three major credit bureaus ) in less than 30 days, however, one of the the credit bureaus dropped my score by 56 points in which is unusual. My score has risen over 702 on two of the three major credit bureaus, the third one dropped me to 615 by 56 points. I spoke with the customer service agent at, may I say, Equifax, and she stated that I need to make more payments, or that I had a closed account. I stated that I have plenty of closed accounts with a XXXX balances, and they were paid off in a timely fashion. The agent could not nor showed effort to investigate the issue. I stated that possibly Equifax might have been hacked again, and the agent stated not at this time. Please advise why my credit score dropped 56 points with Equifax unexpectedly or why their process is so different.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I obtained my TransUnion credit report on XX/XX/XXXX and there was Chapter XXXX Bankruptcy listed in the public records on my credit report. This unverifiable information was Deleted from my TransUnion report back on XX/XX/XXXX ( please see attachments ). Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information 100 % with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters ( please see attachments from courts ) which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed TransUnion Credit Bureau has never validated or verified these public record entries on my credit report TransUnion has also confirmed with me in addition to the courts that they use XXXX to confirm Public Records. 
My inquiry into the third party source ( XXXX XXXX  ) Data on XX/XX/XXXX and again on XX/XX/XXXX confirmed there are no bankruptcies filed under my name or social number ( please see attachments ). XXXX initiated a dispute with Transunion on my behalf on XX/XX/XXXX requesting for the Chapter XXXX bankruptcy to be deleted from my TransUnion file. As of XX/XX/XXXX XXXX TransUnion has fail to reply back to XXXX request to delete Unverified Bankruptcy information listed on my credit 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 2020-01-22 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: VA

Complaint narrative:
On XX/XX/XXXX I disputed two accounts with TransUnion that were reported by XXXX XXXX XXXX XXXX for a debt they are claiming I owe XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/XXXX that the item first account # XXXX was deleted from my credit report and on XX/XX/XXXX I was informed that the second account # XXXX was deleted from my credit report. 

Additionally, the account numbers do not match for the original accounts nor does the amount match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Now I have discovered that the items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly.

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 2020-01-22 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: VA

Complaint narrative:
On XX/XX/XXXX I disputed two accounts with XXXX that were reported by XXXX XXXX XXXX XXXX for a debt they are claiming I owe XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/XXXX that the item first account # XXXX was deleted from my credit report and on XX/XX/XXXX I was informed that the second account # XXXX was deleted from my credit report. 

Additionally, the account numbers do not match for the original accounts nor does the amount match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Now I have discovered that the items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 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: WA

Complaint narrative:
Transunion is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b ). I have sent the required documents as described in the aforementioned law, Transunion has no evidence  to refuse a block under said law, and and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Transunion is now in willful noncompliance with the FCRA, and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. Transunion must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit.

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 2020-01-22 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: WA

Complaint narrative:
Experian is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b  ). I have sent the required documents as described in the aforementioned law, Experian has no evidence to refuse a block under said law, and and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Experian is now in willful noncompliance with the FCRA and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. Experian must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit.

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 2020-01-22 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: WA

Complaint narrative:
Equifax is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b ). I have sent the required documents as described in the aforementioned law, Equifax has no evidence to refuse a block under said law, and and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Equifax is now in willful noncompliance with the FCRA and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. Equifax must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit.

Company response to consumer: Closed with explanation