vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DPEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DPEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NJ

Complaint narrative:
I just checked my credit history and noticed I have a delinquent account with a pending collection attempt that has adversely effected my credit score. This is the first time I am aware of this situation, and I am unaware of what the debt is in reference to. I have a perfect credit score, and history - and this debt owed of {$190.00} as stated in my score has changed all of that. I would like this derogatory item explained and removed asap, and am willing to do anything I can to assist in its removal from my credit history. If its real debt owed, ill be happy to pay the amount - so long as they can communicate what its for and promise removal of it from my credit history. This is clearly some oversight and some mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am in the midst of applying for a HELOC from XXXX XXXX  and was told my application is being held up because Citi Financial has an open lien on my house. Back in 2003 I took out a bill consolidation loan through Citi Financial but have since paid that loan off in full YEARS ago, my guess is at least 12 years ago this lien/loan had been fulfilled. 

Apparently CitiFinancial never filed the proper paperwork to state that my loan/lien had been satisfied. 

I called the local branch of CitiFinancial and was told by the Branch Manager ( XXXX XXXX XXXX that they were bought out by another company years ago and do NOT have any of the former records from CitiFinancial so he told me to call the Pennsylvania Department of Banking, which I did and that has led me to this complaint. 

I was told by whomever answered the phone at the Pa. Dept. of Banking that I would need to file a complaint with your office in hopes of getting t his lien satisfied. 

My home address, which is the property that has this open lien against it is ; XXXX XXXX XXXX XXXX, Pa. 
XXXX Can you please help me get the proper paperwork I need to show proof that this lien has been satisfied? 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I RECENTLY PULLED MY CREDIT REPORTS AND FOUND INFORMATION LISTED THAT SHOULD NOT HAVE BEEN THERE. I OFTEN PULL MY EQUIFAX REPORT BECAUSE THEY ARE THE REASON MY INFORMATON WAS LEAKED OUT IN THE FIRST PLACE. DUE TO THEIR HUGE BREACH THAT THEY KEPT FROM CONSUMERS. I NOTICED THAT THERE WERE A LOT OF XXXX XXXX XXXX ACCOUNTS THAT HAVE BEEN CLOSED THESE ACCOUNTS WERE OPENED IN XXXX AND YET THEY ARE STILL REMAINING ON MY CREDIT REPORT. I CONTACTED XXXX XXXX XXXX ON TODAY ( XX/XX/XXXX ) AND ASKED QUESTIONS ABOUT MY CREDIT REPORT. I WAS MET WITH HOSTILITY AND QUESTIONS THAT DID NOT PERTAIN TO ANYTHING LISTED IN MY CREDIT REPORT WHICH I HAD IN FRONT OF ME. PER EQUIFAX " CLOSED ACCOUNTS STAY ON YOUR CREDIT REPORT FOR 10 YEARS SINCE THE DATE OF LAST ACTIVITY '' I HAVE A COPY OF EACH OF MY CREDIT REPORTS. XXXX  IS DOING THE SAME THIG. THEY ARE REPORTING AND UPDATING XXXX XXXX XXXX ACCOUNTS AND THAT WERE OPENED IN XXXX. THEY HAVE BEEN CLOSED BECAUSE THEY HAVE BEEN CONSOLIDATED. AND WERE CONSOLIDATED YEARS AGO. XXXX  IS DOING THE SAME. THESE COMPANIES WERE SENT A IDENTITY THEFT REPORT AND REFUSED TO REMOVE XXXX AND XXXX. ONCE I CONTACTED THESE COMPANIES THEY SAID THEY WERE NOT MADE AWARE THAT A IDENTITY THEFY REPORT HAD BEEN ISSUED. XXXX  SENT ME A LETTER STATING THAT THEY HAD CONTACTED THESE COMPANIES. THEY LIED. THERE NEEDS TO BE AN INVESTIGATON DONE INTO THESE CREDIT BUREAUS BECAUSE THEY ARE CRIPPLING CONSUMNERS BY REPORTNG FALSE INFORMATION AS WELL AS UPDATING INFORMATONON THEIR OWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day 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 to immediately remove those items from my credit report it has been over so this should be deleted promptly. I demand these account be deleted immediately or I will file litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Also a violation under 15 usc 1681 n ( b ) and they owe me money.

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 2020-11-10 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: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day 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 to immediately remove those items from my credit report it has been over so this should be deleted promptly. I demand these account be deleted immediately or I will file litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Also a violation under 15 usc 1681 n ( b ) and they owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian without regret continues to publish false and inaccurate late payments on my report. In spite of my efforts to work with XXXX XXXX auto finance, experian  will not correct the errors on my report damaging my fico  credit score with late payment reporting 's that are NOT accurate. Today, I pulled my report to find that they moved a late to XXXX XXXX previously reported XXXX XXXX with an addition to adding an additional late for XXXX. ( see screen shot attached ). XXXX  XXXX has been gracious in trying to correct the errors that Experian continue to produce on my report. Experian is negligent and willfully producing this false information on my file. See attached letters from the presidents office at XXXX XXXX. The errors are not coming from XXXX XXXX. Experian is the source for the false late payments being reported. The letters from XXXX XXXX prove this. Experian is dedicated to moving late 's from one month and I have to repeatedly write letters and submit complaints about the matter. 

Experian has a long history of providing false and inaccurate information to suppress credit scores to provide suggested sub prime lenders who are paying them to conduct business in a wreckless manner. They are not in line with how the other bureaus conduct business. I have not had any late payments on my history with this account. The surmountable stress these tactics are causing me violates my rights under the fair credit reporting act. I went ahead and paid off this account in XXXX so they no longer have a platform to willfully damage my fico score. Experian should not be allowed to repeatedly violate my rights by not producing accurate account history. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late payments are not accurate. There should not be any 30 day late payments on any month on my report at all for 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 2020-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I contacted Navient thru a complaint with XXXX, my complaint stated that they had reported my student loan as in default for 90 days, when in XXXX I was contacted by a representative from Navient that offered me a forebearance and I excepted and they pulled my credit and I noticed it was approved because the interest increased on the loans, however 3 months after this is when I noticed the 90 days past due notice on my credit report and I contacted the XXXX  and complained, fast forward I spoke with XXXX XXXX Office of the Customer Advocate for Navient and she explained that my loans were not covered by the memo dtd. XX/XX/2020 from the Office of the President that stated loans would not be considered deliquent during this time til XX/XX/2020. After my complaint Navient placed my loans back current, however no sooner than the did this another month popped up delinquent effective XX/XX/2020. I was told by XXXX that she had placed the past due loan in forebearance but it would only last a month and to call if I needed it placed for the next month I told her I'd done that in XXXX, why do I need to call you every month to place a student loan in forebearance? I told her that none of my loans were in a pay status and that no loans were to become past due in accordance with the memo dtd. XX/XX/2020. Navient has unfair practices because she told me to call when the month was out and I did that and the representative, named XXXX that spoke with me was rude and stated I could not qualify for a forbearance and when I asked him why, and informed him that I'd spoken with XXXX and she said that I could call back and place the loan in forbearance, he immediately became aggressive and offended that I'd questioned him and hung up on me. Navient does not assist the student in anyway, their collection practices are sketchy at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: CA

Complaint narrative:
On XX/XX/2020, I wrote TransUnion credit bureau and request an investigation regarding inaccurate information on my credit report which I am disputing. This inaccurate information includes my name, address, employment history, a car loan, ( 2 ) XXXX XXXX credit accounts, ( 1 ) XXXX/XXXX credit account, and all the inquiries on my credit report that do not reflect my true name XXXX XXXX. On XX/XX/2020, I wrote to TransUnion to inform TransUnion that they did not respond to my dispute within the 30 day deadline according to federal law. To this day, I still have not received a response from TransUnion credit bureau.

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 2020-11-10 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: TX

Complaint narrative:
Experian refuses to delete a negative item even though the company has sent me a letter stating they have ceased collection against me. The company XXXX XXXX XXXX can not provide written proof the collection is mine. Therefore, they have ceased collections against me. It is against the law to report the debt when they can not provide written proff it belongs to me. I have disputed the collection of XXXX on XX/XX/2020 and sent Experian the letter that states the company is ceasing collection. Nonetheless, XXXX XXXX XXXX fraudulently keeps validating the debt dispit not having proof of ownership for 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 non-monetary relief
Consumer complaint received 2020-11-10 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: KS

Complaint narrative:
The account being reported by XXXX XXXX XXXX is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXXXXXX XXXX who both billed for the insurance and offered it from the beginning. Since synchrony bank received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
The account being reported by Midland Funding LLC is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and Midland Credit is attempting to collect a invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am writing to alert this agency to anti-consumer business practices at Comenity Bank, a creditor that intentionally avoids making payments simple and certain for consumers and then irresponsibly and maliciously asserts undue control over their financial well-being. 

Detailed explanation of the issue : I used my Comenity Mastecard at XXXX XXXX in XX/XX/XXXX for the first time in more than a year. I mistakenly thought I had set-up autopay on this account only to remember when it was too late that this account doesnt offer autopay. As soon as I realized my mistake, I paid interest and fees amounting to 22 % along with the entire balance ( {$150.00} ). Comenity Bank reported my delinquency to the credit bureaus, and the delinquency is having a significant negative impact on my credit score, preventing me from refinancing my mortgage and taking advantage of tens of thousands of dollars in interest savings. 

I wrote to Comenity in XX/XX/XXXX explaining the situation and requesting a goodwill adjustment. With no justification, my request was denied. I then called and spoke with a manager who offered to personally request that the Credit Reporting Department reconsider my request. They again denied it with no justification. 

I called again on XX/XX/XXXX and spoke to two managers first XXXX, then XXXX, who told me that the denial of my request was final. Neither would share the list of criteria used to determine whether a goodwill adjustment is warranted, but XXXX confirmed that the size of the debt is not a criterion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: KS

Complaint narrative:
The account being reported by XXXX XXXX XXXX is not valid. The XXXX XXXX credit card for {$1800.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: KS

Complaint narrative:
The account being reported by XXXX XXXX is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation