vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am disputing erroneous reporting information on my credit file that is adversely affecting me. I would like a lawful investigation according to the FCRA to resolve my 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 explanation
Consumer complaint received 2020-10-12 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have had my credit card for years and have a great payment history with my XXXX XXXX/commenity account and there is nothing being reported towards payments or credit line with this card. It was on my report for years and for the last 5 or 6 months it doesnt appear on any credit report ive spoke to credit card company and all credit bureaus and noone seems to know why or how to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason for immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have go into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: VA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason for immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have go into the hands of the wrong person.

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 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of James R. Vaughan, P.C.
State: AZ

Complaint narrative:
On XX/XX/2020 i received a letter from my employer " XXXX  XXXX XXXX XXXX '' of a Non Exempt Earnings Statement ( Judgement not for support ). this letter stated I have had my wages garnished without proper notification. I never received a letter from the court nor the law offices of James R. Vaughn. I only found out about the garnishment from XXXX XXXX XXXX XXXX XXXX stating my wages where being garnished. Subsequently i am enrolled through a debt counseling agency whos managing my payments to creditors to help me get back on track with my debt to move on with my life. This garnishment is causing me to fall into ECONOMIC HARDSHIP. I cant afford to buy my prescription medication, I cant afford to see a Dr. Or pay my rent on time. I cant even afford to put gas in my car or keep up with my other bills, after the garnishment I am only bringing home about {$610.00} bi weekly. I have been late on my rent, i cant afford to buy groceries or buy food because of this garnishment. I cant apply for government assistance because I work for XXXX  XXXX XXXX XXXX  also known as XXXX XXXX XXXX XXXX XXXX. XXXX  agents do not qualify for SNAP or Medical benefits. I called XX/XX/2020 at XXXX XXXX  to discus why I was ambushed like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
WHAT IS XXXX CONSEQUENCE? 
In repeatedly violation of the Fair Credit Reporting Act, XXXX, with the assista

nce of the three credit bureaus, continues to report false information about a consolidated federal student loan and they jointly continue to disseminate and blatantly wrong information as a result. WHAT IS THE CONSEQUENCE FOR THE THREE CREDIT
BUREAUS ( TRANSUNION, XXXX, AND XXXX  )? 
XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information, in direct violation of the Fair Credit Reporting Act.

WHO IS CULPABLE FOR THESE ERRORS?

The three credit bureaus whose sole business is to report accurate  information but they decline to do so. XXXX, the business that is reporting the bogus information to the credit bureaus is also culpable. They are both culpable and they both need to be held accountable.

The errors have been and continue to be significant. The differences are evident. It should not be this difficult to get XXXX and the three credit bureaus to report accurate information because - IT IS THE LAW. 

XXXX, through XXXX XXXX, has lied and disseminated false and misleading information repeatedly. While XXXX XXXX of XXXX has regularly contradicted herself in multiple written communications, she did acknowledge, in writing, the following : 1. There was only one, single consolidated loan not two.

2. The consolidation of that one, single loan was executed in XXXX. 
3. The consolidated amount was {$33000.00} 4. The final payment  was on XX/XX/XXXX ; XXXX cashed the check on XX/XX/XXXX. 
5. The final payment amount was/is {$19000.00} Please refer to the attachments.

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 2020-10-12 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: CT

Complaint narrative:
WHAT IS XXXX  CONSEQUENCE? 
In repeatedly violation of the Fair Credit Reporting Act, XXXX, with the assistance of the three credit bureaus, continues to report false information about a consolidated federal student loan and they jointly continue to disseminate and blatantly wrong information as a result.

WHAT IS THE CONSEQUENCE FOR THE THREE CREDIT BUREAUS ( XXXX, EQUIFAX, AND XXXX   )? 
XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information, in direct violation of the Fair Credit Reporting Act.

WHO IS CULPABLE FOR THESE ERRORS?

The three credit bureaus whose sole business is to report accurate  information but they decline to do so. XXXX, the business that is reporting the bogus information to the credit bureaus is also culpable. They are both culpable and they both need to be held accountable.

The errors have been and continue to be significant. The differences are evident. It should not be this difficult to get XXXX  and the three credit bureaus to report accurate information because - IT IS THE LAW. 

XXXX, through XXXX XXXX, has lied and disseminated false and misleading information repeatedly. While XXXX XXXX of XXXX has regularly contradicted herself in multiple written communications, she did acknowledge, in writing, the following : 1. There was only one, single consolidated loan not two.

2. The consolidation of that one, single loan was executed in XXXX. 
3. The consolidated amount was {$33000.00} 4. The final payment  was on XX/XX/XXXX ; XXXX cashed the check on XX/XX/XXXX. 
5. The final payment amount was/is {$19000.00} Please refer to the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Account # XXXX Debt Collection Agency {$360.00} DELETED BEFORE AND RECENTLY REPORTED ON MY CREDIT REPORT AGAIN, WITH THE WRONG INFORMATION. ACCOUNT WAS NOT OPENED WITH XXXX  XXXX OR PORTFOLIO RECOVERY XX/XX/2017. Predatory and false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I was reported over 30 days late on an account for a vehicle I turned in ( and paid off in full ) 3 months ago. GM Financial made no attempt to contact me prior to reporting this.

I attempted to contact them and their contact form fails every time.

My score has dropped 75 points with all three bureaus because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12 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: MI

Complaint narrative:
I was reported over 30 days late on an account for a vehicle I turned in ( and paid off in full ) 3 months ago. XXXX XXXX made no attempt to contact me prior to reporting this.

I attempted to contact them and their contact form fails every time.

My score has dropped 75 points with all three bureaus because 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 2020-10-12 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: NY

Complaint narrative:
To whom it may concern, My mortgage loan is with with  XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, Illinois XXXX. This complaint is due to a discrepancy within my credit which was reported by XXXX. After several telephone calls and conversations, customer service representatives state they do not have access to, or can not see, my credit report and therefore can not correct this mistake. I have emailed XXXX XXXX times regarding this error. 

The company has been adding delinquent charges to my credit report for months. I received a letter in the mail on XX/XX/2020 explaining that the Company has transferred my XXXX mortgage to another mortgage company. While I accept the changes, the company has reported the sum transferred as a delinquency on my credit report. XXXX has also reported an erroneous amount of {$250000.00} in delinquency when the amount owed is for the sum {$23000.00} ( this was the amount transferred to the new mortgage company ). Additionally, XXXX has failed to report my account in good standing for the months of XXXX, XXXX, XXXX and XX/XX/2020. 

I have contacted XXXX regarding these issues on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2020 and XXXX still has not rectified the problem. Instead, the issues are now heightened. Since my last emails, XXXX has been adding further negative credit reportings on to my credit rating status ; in turn putting further stress on my financial situation. I have been affected by COVID and my family has had a loss of income. This situation with XXXX has placed further financial hardship in our lives since my credit report is now showing delinquency. Asdefined by the CARES Act, a Mortgageservicer or creditor is required to report an account in forbearance as current. This has been referred to asan accommodation under the Cares act and quoted by the Consumer Finance Protection Bureau.XXXX is breaking the law under The Cares Act and refusing me an accommodation that is being provided to so many other patrons. 

I am requesting that XXXX send a correction report in the areas mentioned above to the 3 credit bureaus Transunion, XXXX   and XXXX as soon as possible so that my credit report may once  again be in good standing. 

Thank you for your support 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 explanation
Consumer complaint received 2020-10-12 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: IL

Complaint narrative:
I have had my credit card for years and have a great payment history with my XXXX XXXX/XXXX  account and there is nothing being reported towards payments or credit line with this card. It was on my report for years and for the last 5 or 6 months it doesnt appear on any credit report ive spoke to credit card company and all credit bureaus and noone seems to know why or how to help me.

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 2020-10-12 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 had my credit card for years and have a great payment history with my XXXX XXXX/XXXX  account and there is nothing being reported towards payments or credit line with this card. It was on my report for years and for the last 5 or 6 months it doesnt appear on any credit report ive spoke to credit card company and all credit bureaus and noone seems to know why or how to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was told to send in a letter along with a copy of my payments. I had made an agreement in XX/XX/2019 regarding payments while I was hospitalized unexpectedly and still made my payments. I was told by the rep I spoke with XXXX that the fees would be waived and to keep paying what I could as long as I made payments which I did. I was told nothing would be negative to my credit yet this creditor who I was told would help has done nothing to help correct these late payments or missed payments which are totally incorrect and were not late and still have not been corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BCG Equities, LLC
State: AZ

Complaint narrative:
On XX/XX/2020 i received a letter from my employer " The State of Arizona '' of a Non Exempt Earnings Statement ( Judgement not for support ). this letter stated I have had my wages garnished without proper notification. I never received a letter from the court nor the law offices of XXXX XXXX XXXX. I only found out about the garnishment from The Arizona Department of Administration stating my wages where being garnished. Subsequently i am enrolled through a debt counseling agency whos managing my payments to creditors to help me get back on track with my debt to move on with my life. This garnishment is causing me to fall into ECONOMIC HARDSHIP. I cant afford to buy my prescription medication, I cant afford to see a Dr. Or pay my rent on time. I cant even afford to put gas in my car or keep up with my other bills, after the garnishment I am only bringing home about {$610.00} bi weekly. I have been late on my rent, i cant afford to buy groceries or buy food because of this garnishment. I cant apply for government assistance because I work for the government assistance agency also known as Arizona Department of Economic Security. FAA agents do not qualify for SNAP or Medical benefits. I called XX/XX/2020 at XXXX XXXX to discus why I was ambushed like this.

Also BGC Equities LLC & associates have been known for misleading consumers in debt collection practices thus a class action lawsuit was filed against the corporations In Wisconsin. File attached below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit report I contacted them to delete the information. The accounts are not mine and inaccurate im submitting a copy of the letter I sent to them

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 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MT

Complaint narrative:
I received a written demand from ERC on XX/XX/2020 with details as follows : *Reference number - XXXX *Alleged original creditor - XXXX  XXXX   *Amount demanded - {$78.00} I responded in writing in a letter sent by certified mail to the address accompanying the demand ( XXXX XXXX   XXXX, XXXX. XXXX, XXXX, PA XXXX ). In the letter, I gave written notification that the debt is not mine, requested an accounting, and gave details on when and how to best reach me. 

According to the information received from USPS that ERC refused to accept the letter, and it was returned unopened. 

Such refusal appears to be a bad faith tactic to frustrate efforts to invoke the protections and rights of state and federal consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit report I contacted them to delete the information. The accounts are not mine and inaccurate im submitting a copy of the letter I sent to them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit report I contacted them to delete the information. The accounts are not mine and inaccurate im submitting a copy of the letter I sent to them

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 2020-10-12 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: RoundPoint Mortgage Servicing LLC
State: OH

Complaint narrative:
XX/XX/2020 I recieved 6 credit alerts saying I closed my mortgage account and it took XXXX points off my credit score. I never closed my account. RoundPoint Mortgage transferred my loan to XXXX Mortgage XX/XX/2020. This the second time my mortgage has been transfered from Primelending to RoundPoint and that didn't affect my credit score. My credit reports shows I have no mortgage loan at all {$0.00} balance. From my understanding mortgage transfers are not suppose to have an impact on my credit score. My payments are current.

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 2020-10-12 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: GA

Complaint narrative:
The credit bureaus are still reporting inaccurate information on my credit report I contacted them once and they investigation didnt do nothing at all

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