vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-21 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: MA

Complaint narrative:
Good Saturday everyone and the management team ; I'm shocked that this account is still reporting on my credit report as it's still reporting incomplete and unverifiable information. If this account " was '' indeed verified or investigated, why is it still reporting 2 different dates of last active ( Transunion : XX/XX/XXXX ; and XXXX : XX/XX/XXXX ). It's impossible to have those variations between the credit reporting agencies and also, why are their inconsistencies with the payment history. For example, it show 's that the payment was marked " OK '' up to XX/XX/XXXX than all of a sudden on XX/XX/XXXX, it shows that it went into charge off status. Account status and payment history is incorrect just to name a few - It should say late 30/60/90/120/150/180 days late then charge off - Correct? It's imperative under the FCRA guidelines that the creditor or furnisher report accurate information. There are so many inconsistencies, incorrect, and incomplete information that makes this account unverifiable. This is in violation and it can not be reported. Please delete this account immediately from 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 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Good Saturday everyone and the management team ; I'm shocked that this account is still reporting on my credit report as it's still reporting incomplete and unverifiable information. If this account " was '' indeed verified or investigated, why is it still reporting 2 different dates of last active ( XXXX : XX/XX/XXXX ; and Equifax : XX/XX/XXXX ). It's impossible to have those variations between the credit reporting agencies and also, why are their inconsistencies with the payment history. For example, it show 's that the payment was marked " OK '' up to XX/XX/XXXX than all of a sudden on XX/XX/XXXX, it shows that it went into charge off status. Account status and payment history is incorrect just to name a few - It should say late 30/60/90/120/150/180 days late then charge off - Correct? It's imperative under the FCRA guidelines that the creditor or furnisher report accurate information. There are so many inconsistencies, incorrect, and incomplete information that makes this account unverifiable. This is in violation and it can not be reported. Please delete this account immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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:
These are not my accounts. I have submitted my personal documents to depict who I am. Please remove these accounts in its entirety as it's hindering my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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:
These are not my accounts. I have submitted my personal documents to depict who I am. Please remove these accounts in its entirety as it's hindering my employment.

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 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I sent Equifax a dispute on XXXX XXXX by Certified mail with a return receipt. According to the return receipt the dispute was received by Equifax on XXXX XXXX. The post marked response from Equifax was XXXX XXXX. This response took longer than the 30 days allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XX/XX/2019 I have written letters to XXXX XXXX XXXX XXXX regarding the fact that they are reporting old information regarding me including old addresses and phone numbers, and several incorrect spelling of my name. 

The correct spelling of my name is : XXXX XXXX XXXX The only address that should appear is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The only telephone number that should appear is : XXXX Place of Employment : N/A

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 2020-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX sold my medical bill to two collection agencies. The agencies are XXXX XXXX XXXX XXXX, and Medical Data Systems. 
I resolved with XXXX XXXX paid on XX/XX/2020. XXXX reported on my credit report as negative status. As soon as i resolved with them, they took it out of my credit report. And now i have the other Medical Data Systems on the credit report. i filed a dispute and sent the Letter from XXXX to the dispute of XXXX  and XXXX, and XXXX, and it did nothing to remove the Medical data reporting. This is not fair for both to collect. i resolved and it should be final and the Medical data should remove it from all 3 agencies.

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 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: WV

Complaint narrative:
I sent three requests to Sage Stream to freeze my credit file. I sent all the required documentation and they stated that they could not confirm my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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:
These are not my accounts listed in this report. Please remove them. I also attached my personal documents to depict who I am. Thank you.

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 2020-11-21 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:
These are not my accounts listed in this report. Please remove them. I also attached my personal documents to depict who I am. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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:
These are not my accounts listed in this report. Please remove them. I also attached my personal documents to depict who I am. Thank you.

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 2020-11-21 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: WV

Complaint narrative:
I sent a dispute to Trans Union LLC on XXXX XXXX. It was sent by Certified mail with a return receipt. It was stamped as received by Trans Union LLC on XXXX XXXX. I have still yet to receive a response to my dispute. I feel like my rights under the FCRA have been violated due to their disregard for federal law.

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 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax and XXXX  monitor my credit. At the start of 2020 my credit score was XXXX. Over the year it has steadily dropped down to XXXX. Why? I called Equifax and they want me to pay {$15.00} to receive a detailed review. I am not paying Equifax anything. I am trying to buy property so this issue is imperative now. There's an issue of {$290.00} decrease in credit for which I have no knowledge. I opened two credit cards this year and after THEIR mistakes, I closed both accounts. Apparently closing a credit penalizes the consumer. WHY? My money, my choice, no penalty should be involved especially when no reason for cancelling the account is due to credit company errors. There is NO REASON my score should be steadily dropping. I have no outstanding loans, my house is paid in full and I have NO BALANCE DUE on the one credit card I have, although Equifax has me listed as having two credit cards, and have no idea what they're talking about. I do not like nor want any credit cards because I refuse to pay interest, but keep one open for emergencies, just applied for one and was DENIED. Where do these credit bureau obtain their information and WHY? It seems these bureaus are XXXX and the consumer is left in XXXX on their word. It also appears there is no where to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
From XX/XX/2019 through the present. I have been receiving communication from Capital One in Statements on Alleged debt that is owed. The Truth and Lending Act is intended to inform consumers of credit, and I have been deceived concerning the information in my consumer credit transaction. According to 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am the original creditor ; I am Protected as a consumer against the alleged debt 15 USC 1692a ( 3 ). According to 15 USC 1692e ( 11 ), Failure to disclose in the initial written communication with the consumer and also, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. According to 15 USC 1692b ( 2 ), Any debt collector communicating with any person shall not state the consumer owes any debt. According to 15 USC 1692b I never gave Capital One permission to send me statements. When sending statements Capital One can not state that such consumer owes any debt according to 15 USC 1692b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: TX

Complaint narrative:
WRONG SSN Experian : XXXX & XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX ) XXXX ( XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX Collection account. {$920.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX XXXX XXXX 

XXXX XXXX  XXXX Account charged off. {$270.00} written off. {$610.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX {$1600.00}. 

XXXX XXXXN XXXX {$1200.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXX {$6000.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXXXXXX {$3500.00} Account Status120+ DAYS PAST DUE. 

Inquiries XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2020-11-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ABC First Inc
State: CA

Complaint narrative:
I need help, I do not know what could I do. 

This is XXXX XXXX, I had a phone consultation with ABC first inc. regarding business loan. The use XXXX word show they are loan bank on website. The contract was changed from business loan to home equity loan on the day I signed the paperwork. First loan is {$50000.00} with 2 years term 3.5 % Monthly interest rate, second one is {$50000.00} with 3.5 % Monthly interest rate for 1 years term. Total $ XXXXThe interest is $ XXXX monthly, the over due payment is {$75.00} per day. I paid off {$200000.00} as total including principal and interest. This year I checked my credit report while I was trying to get refinance on my personal property. The report shows that I financed {$550000.00} open {$75000.00} from abc company, which is a false statement since I already paid off my loan. I am concerning this balance will affect my property and credit. I would like to file a complaint report against abc company regarding their Illegal operation. Please start an investigation on abc company. I would like to get my paid interest and fine back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  and Transunion monitor my credit. At the start of 2020 my credit score was XXXX. Over the year it has steadily dropped down to XXXX. Why? I called XXXX and they want me to pay {$15.00} to receive a detailed review. I am not paying XXXX  anything. I am trying to buy property so this issue is imperative now. There's an issue of {$290.00} decrease in credit for which I have no knowledge. I opened two credit cards this year and after THEIR mistakes, I closed both accounts. Apparently closing a credit penalizes the consumer. WHY? My money, my choice, no penalty should be involved especially when no reason for cancelling the account is due to credit company errors. There is NO REASON my score should be steadily dropping. I have no outstanding loans, my house is paid in full and I have NO BALANCE DUE on the one credit card I have, although XXXX has me listed as having two credit cards, and have no idea what they're talking about. I do not like nor want any credit cards because I refuse to pay interest, but keep one open for emergencies, just applied for one and was DENIED. Where do these credit bureau obtain their information and WHY? It seems these bureaus are XXXX and the consumer is left in XXXX on their word. It also appears there is no where to dispute 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 2020-11-21 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: Southern Management Systems Inc.
State: FL

Complaint narrative:
I recently discovered on my credit report accounts that I did not recognize, so I contacted Southern Management Systems and requested evidence that the debt was mine. I requested this information so that I could be sure of what debt came from where before I started paying off anything. I then contacted XXXX and XXXX to let them know that I have asked Southern Management Systems to validate the debt as mine. Southern Management Systems received my validation request on XX/XX/2020, and XXXX and XX/XX/XXXX received my notice that a request to Southern Systems Management was sent on XX/XX/XXXX. I see that both my XX/XX/XXXX and XX/XX/XXXX reports were updated and now show that the accounts are in dispute ; I requested to XXXX XXXX that they temporarily cease the reporting of these accounts during my investigation, and I requested that XXXX and XXXX enforce the FCRA and stopped any reporting of invalidated debts if Southern Management Systems failed to do so. None of the 3 parties involved have temporarily removed the accounts and are currently violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: TX

Complaint narrative:
THIS IS NOT A DUPLICATE. XXXX continue to report inaccurate data to my credit reports. There is a second account showing on my report from XXXX listed dated XX/XX/XXXX on my credit report. It is listed that is was closed XX/XX/XXXX and XX/XX/XXXX. It is listed that was transferred to another lender. The lender it is shown transferred XX/XX/XXXX. The dates are incorrect. The account was closed over 7 years ago and should not be listed on my credit reports.

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 2020-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services
State: MA

Complaint narrative:
I returned a leased XXXX XXXX XXXX vehicle to the XXXX XXXX dealership in XXXX, MA on XX/XX/2020. A few days later, I purchased a brand new XXXX using a loan from MBFS. 
This is not the first time I have leased on purchased a MB vehicle. I have done so at least on 10 different occasions with the same dealership. Each time I return a vehicle, a technician examines it while I wait. they then give me an immediate report on any excess wear and tear using a " credit card '' test. If a physical damage is greater than the size of a credit card, you are charged. If not, it is waived. Generally, even if the damage is greater it is waived if you purchase or lease a new vehicle, which I did. 
When I returned the leased vehicle, a technician looked it over and said it was fine. There was no wear and tear according to him. 
I was surprised when a few weeks later I received a bill for approximately {$3500.00} claiming excessive wear and tear, a vehicle return fee of {$500.00} and excess mileage. I disputed all three. The lease agreement waives the return fee upon the purchase of a new vehicle. The mileage was extended on a prorata basis for two months when I couldn't return the car safely during COVID, and this was acknowledged in a recoded call with MBFS. I have asked for the recording. I disputed the charges in a letter to their TX office. Further, I request they communicate only in writing. They continued to call and I firmly and politely asked them to respond in writing. Without admitting any mistakes they appear to have taken off the mileage and the vehicle return fee but have not credited " excess wear and tear '' which the technician had confirmed did not exist. They have now sent me a collection notice and threatened to report me to the Bureaus as a write off. My score is XXXX. I believe that MBFS is engaged in extortion. They are abusing their reporting power to the bureaus to extort me into paying a non existent charge since fee income beyond interest is sustaining many financial organizations in a low rate environment. Please use your resources to stop them.

Company response to consumer: Closed with explanation