vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-15 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize any of these companies to run my credit.

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 2020-08-15 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been trying to rectify this problem for quite some time. 

I have been in contact with XXXX. Also, the United States bankruptcy court district of XXXX, New Jersey. Every time I follow a credit dispute with the credit bureaus I received information that the dispute has been verified. I've also asked how they verify the information and they never get back to me with it. I was told XXXX is the furnisher of information regarding bankruptcies. And they stated to me they have nothing in their database showing the bankruptcy for me. 

Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: CA

Complaint narrative:
EQUIFAX is reporting an installment account under my name which shows a balance of {$19000.00}. For the past year or so, I have been requesting documentation from them showing proof of this balance under my name, but they continue to send me same letter stating " they have verified this account is mine '' without looking into the problem, or sending me any proof. 
The account they are reporting as " XXXX installment account '' with a balance of $ XXXX, ( which is affecting my debt ratio in a major way ) is just a utility bill which I pay by the month, based on electricity being used in my home, and it has no balance. I pay it off every month. I have provided Equifax with a copy of my contract, a letter from XXXX, a copy of my bills for 12 months, and letters of explanation, yet, they continue to ignore my request, and send me the same letter of explanation every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: TX

Complaint narrative:
Got my report and realize there was unauthorized inqury for Comenity cap XXXX  Bank reach out to Comenity Bank and they sent me a letter saying it will be removed in 60 days but the XXXX credit bureau has not done it or either Comenity cap fron has not sent it to them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15 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: WA

Complaint narrative:
In 2018 I was stationed at XXXX XXXX TX in a XXXX XXXX. This meant I was in the desert for long period of time with out communications because of the equipment being tested. Anyway my ex wife at the time stop paying my bills without my knowledge. As soon as I found out I started paying all my bills with all the late fees. By the time I paid XXXX they had charged off my vehicle. I called them several times to rectify the issue and they said my account was current ant the would report it to the credit agencies monthly. Now I being paying an extra XXXX dollars a month so I can pay off my car sooner, but due to XXXX refusing to change my report and report accurately to the credit agency Im getting a negative rating from the credit agency.

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 2020-08-15 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: EQUIFAX, INC.
State: WA

Complaint narrative:
In 2018 I was stationed at XXXX XXXX TX in a XXXX XXXX. This meant I was in the desert for long period of time with out communications because of the equipment being tested. Anyway my ex wife at the time stop paying my bills without my knowledge. As soon as I found out I started paying all my bills with all the late fees. By the time I paid XXXX they had charged off my vehicle. I called them several times to rectify the issue and they said my account was current ant the would report it to the credit agencies monthly. Now I being paying an extra XXXX dollars a month so I can pay off my car sooner, but due to XXXX refusing to change my report and report accurately to the credit agency Im getting a negative rating from the credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: WA

Complaint narrative:
In 2018 I was stationed at XXXX XXXX TX in a XXXX XXXX. This meant I was in the desert for long period of time with out communications because of the equipment being tested. Anyway my ex wife at the time stop paying my bills without my knowledge. As soon as I found out I started paying all my bills with all the late fees. By the time I paid XXXX they had charged off my vehicle. I called them several times to rectify the issue and they said my account was current ant the would report it to the credit agencies monthly. Now I being paying an extra XXXX dollars a month so I can pay off my car sooner, but due to XXXX refusing to change my report and report accurately to the credit agency Im getting a negative rating from the credit agency.

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 2020-08-15 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: TX

Complaint narrative:
I spoke with XXXX concerning a credit dispute. They did a wonderful job of filing my dispute ( s ) and gettting them removed from my account. However i checked my credit file and as of XX/XX/XXXX, by credit score took a nose dive from XXXX to under 530. My score dropped by 121 points. I couldnt understand why my credit score would drop by 121 points after negative items were deleted. 
Again, positive items were NOT removed but negative items, which means my score should have went up substantially. When I talked to the Customer Service Rep at XXXX they told me that my score possibly dropped because of the " activity on my account '', in particular, I was told that when XXXX went in to remove the unlawful inquiries and did the " dark web '' monitoring, that all this monitoring may have resulted in my score dropping my 121 points??? 

The rep then asked me if I wanted to continue credit monitoring and I cancelled. I told them I dont understand how my account being monitored for suspcious activity would result in my credit score dropping? 

Could you please investigate why my score dropped my more than 121 points with NO positive accounts being deleted and only negative accounts. 

Again, I can I see if positive accounts were deleted however they were not, it was ONLY negative accounts, which means my score should have went up and not down.. 

Lastly, I was told my the rep that there computers/alogirithm is responsible for info and he doesnt understand why my score dropped as well. 

Because of this drop in score, my recent XXXX Loan Application  may be in jeopardy, along with other XXXX  interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: TX

Complaint narrative:
Previous fico score ( averaged ) XXXXpts My mortgage was refinanced ( freedom mortgage ) in XXXX. I was advised by XXXX XXXX to not make XXXX payment, as it would be refunded anyhow. The loan properly disbursed on XX/XX/2020. 
XXXX XXXX computer system erroniously attached a 30 day late to my credit report. This caused a 149 pt drop on Equifax from XXXX to XXXX. On XXXX a 153 pt drop from XXXX to XXXX, and 82 pt drop from XXXX to XXXX on XXXX. All of those drops in scores were excessive to say the least. Fraudulent is more appropriate. I have a clean payment history going 184 months prior, had less than {$1200.00} total revolving debt. 
I filed a dispute with all 3 agencies and XXXX filed a dispute on my behalf as well. This latest report, the agencies raised my score ( eqifax 54 pts, XXXX 116 and XXXX 51 pts. ) This is unacceptable given my payment history, debt and responsible financial decisions. 
I would like a full investigation as to how one single late payment would drop my scores so far down and how a correction of that late payment to paid on time would not result in restoring my credit to where it was previously. I believe the new scores are reflective of a new debt incurred while the scores were erroniously low, and the same debt incurred at an XXXX score would not result in such a steep drop. 
I do require a confermation of this complaint by email phone or text XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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:
Previous fico score ( averaged ) XXXXpts My mortgage was refinanced ( freedom mortgage ) in XXXX. I was advised by XXXX XXXX to not make XXXX payment, as it would be refunded anyhow. The loan properly disbursed on XX/XX/2020. 
XXXX XXXX computer system erroniously attached a 30 day late to my credit report. This caused a 149 pt drop on XXXX from XXXX to XXXX. On XXXX a 153 pt drop from XXXX to XXXX, and 82 pt drop from XXXX to XXXX on Experian. All of those drops in scores were excessive to say the least. Fraudulent is more appropriate. I have a clean payment history going 184 months prior, had less than {$1200.00} total revolving debt. 
I filed a dispute with all 3 agencies and XXXX filed a dispute on my behalf as well. This latest report, the agencies raised my score ( XXXX 54 pts, XXXX 116 and experian 51 pts. ) This is unacceptable given my payment history, debt and responsible financial decisions. 
I would like a full investigation as to how one single late payment would drop my scores so far down and how a correction of that late payment to paid on time would not result in restoring my credit to where it was previously. I believe the new scores are reflective of a new debt incurred while the scores were erroniously low, and the same debt incurred at an XXXX score would not result in such a steep drop. 
I do require a confermation of this complaint by email phone or text XXXX XXXX XXXX XXXX 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 2020-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROSPER FIRST FUNDING CORPORATION
State: NY

Complaint narrative:
On XXXX I have applied for a mortgage through Prosper First Funding corporation in XXXX XXXX NY. The loan offIcees name is XXXX XXXX. XXXX had pulled my credit report on XXXX 2020. On XXXX 2020 XXXX XXXX pulled my credit report again without my permission. When I asked XXXX the reason he pulled my credit the second time without my permission, XXXX added that the system did it by itself. I told XXXX that the system doesnt do things by itself, XXXX said yes it dies and that my credit score went up! 
I reached out to his manager XXXX XXXX who has no class, no customer service skills and who also lied to me. He was aggressive and was yelling at me through emails. XXXX added that no wrongdoing was done, I asked him the reason for him to believe that, he said that we pulled your credit on XXXX. I said you also pulled my credit report on XXXX without my permission, his answer was that my score went up and that he is going to decline me for the mortgage after I was approved and that he is closing my file, he also threatened me not to email him again or contract anyone in his company. 

I have all of this in emails between XXXX XXXX, XXXX XXXX and myself if need to be, I can forward the emails to this agency. I am not sure if I also have to contact other agencies such as HUD and Equal Lending agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2020-08-15 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2020-08-15 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Identification is showing my ex-husbands wife 's name, XXXX. 

I should have nothing with " XXXX '' attached to my credit reports. See below. 

Name XXXX XXXX XXXX Formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number xxxxx XXXX Age or Date of Birth XX/XX/1958 I have never been formerly known as XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: MI

Complaint narrative:
XX/XX/2020 I submitted to CFPB Equifax had decreased my credit score 29 points for a credit card increase of {$3.00}. XX/XX/2020 Equifax corrected the error and increased my score 36 points. Today XX/XX/XXXX, they decreased my credit score 11 points for a charge on XXXX XXXX for an increase of {$45.00}. I am not using my credit card.I am increasing in my credit scores with XXXX and XXXX  but not Equifax due to bogus reporting. Attached is the XXXX XXXX transactions since XX/XX/2020. The only transactions are 2 payments. The card has not been used. Payment of {$5.00} and {$60.00}. They continue to decrease my score without validation. Who the XXXX runs this place. It's impossible to get a live person on the phone. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
The following information pertains to case # XXXX : At the beginning of XX/XX/XXXX, I received an Intercept Funds Notice letting me know that {$460.00} dollars were withheld from my state taxes refund for XXXX. The agency listed was the XXXX Superior Court. 

I contacted the XXXX Superior Court and talked to Ms. XXXX XXXX on multiple occasions. She told me that I owed money for a traffic violation which allegedly took place in XXXX XXXX. I explained to her that I've never even been in that area. I was asked to submit a copy of my driver 's license and my social security card. I sent them the requested documents, and they acknowledged I was not the person they were looking for. 

In XX/XX/XXXX, I was told by Ms. XXXX that I'd be getting a refund of the money withheld. However, that never happened. I contacted her again sometime in XX/XX/XXXX to find out the status of my refund, but she explained to me that my money was being held by a collection agency named EOS CCA. She gave me the phone number to call them, which I did. However, every time I called them, they told me I had to talk to Mr. XXXX ( I don't have his last name, sorry ). 

I called Mr. XXXX on XX/XX/XXXX, and then multiple times after that during a period of almost 4 weeks. Every time I called him, he never answered the phone. So, I left him a message every time I called him, but he never called me back. The last time I called him, I told him I would sue the collection company that he works for. I said that so that he would at least try calling me back, but that never happened. 

I've spent months trying to get back the money that was withheld from me illegally, but I've gotten nowhere. In the middle of a pandemic, such as the one we are going through right now, every penny counts. Please, help me get my money back. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
XXXX XXXX on Friday XX/XX/20 an attempt to contact someone who does not live in my household, to collect a debt was attempted. They left a message. I researched who they were : Navient. I blocked them, as they called two more times. Once on XX/XX/20 leaving a message on Thursday, saying they're trying to get ahold of someone NOT living in my household, in attempt to collect a debt I save this message. 

After having blocked them, they called me on another number : XXXX, again at XXXX XXXX. Very early. My husband works until late at night. 

I attempted, and succeeded calling this number and was greeted with : Hello, is this XXXX ( Last name withheld for privacy )? I informed the lady it was illegal to attempt to collect a debt from someone who's debt is not me, and to stop contacting me. I expressed how upset I was, and I asked if they understood not to contact me again, or I will take action. I informed them that this was the second year in a row, that they have attempted to collect a debt FROM ME, or get personal information FROM ME about someone who is NOT ME, to collect a debt. This is now harassment to me. I do not want them to contact me, ever again in any way, shape or form. I have made this clear to this company, as they claim they record conversations, they have it on record, that I have told them. I am very upset by their constant harassment. PLEASE help to get them to stop. 

This is not my debt and I am highly upset by this, I was shaking so bad trying to express to this lady how upset I was, and sick of them calling me, even after they were blocked two years in a row. I hope she understood, because this is really bothering me. I am not XXXX XXXX, neither is he my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
It shows I owe medical bills still. They have already been paid and I should not be still oweing anything from them. It should not be still showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: V and H Portfolio
State: TN

Complaint narrative:
This company XXXX XXXX reported this account on my XXXX   credit report originally with XXXX XXXX XXXX back on XX/XX/XXXX. This account was disputed and removed from my credit report sometime between the original date reported and XXXX. On XX/XX/XXXX, this same account was added back to my credit report under Vance and Huffman LLC. Based on FCRA, its unlawful for reinsertion of a previously deleted account unless i'm notified within the 5 business days which i was not. Also the original amount listed was {$1200.00} and the new account show {$1200.00} on my credit report. I've disputed this account several times asking for validation and they've failed to provide a contract with my signature that allows Vance and Huffman them to place this information on my credit report. I've attached the response they sent me with paperwork that they've printed my name on but again no signature acknowledging i'm responsible for this account.

Company response to consumer: Closed with non-monetary relief