vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 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: GA

Complaint narrative:
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # 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 2020-09-24 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: TX

Complaint narrative:
On XX/XX/2020 I settled with XXXX XXXX XXXX XXXX XXXX collection agency for 3 payments of {$1500.00}. I made my first payment on XX/XX/2020. The amount of my payment was reported to all 3 credit bureaus Trans Union XXXX  and XXXX. On XX/XX/2020 Trans Union updated my payment and the balance went from {$5400.00} to {$4600.00} which helped my credit score. The other two reporting agencies XXXX  and XXXX  then followed reporting correct information. I am in the middle of purchasing a home and on XX/XX/XXXX my credit score was effected due to a major change on my Trans Union score Im this date they reported my XXXX XXXX  account that I just settled with back to {$5400.00} so this showed that the balance increased when it did not! I contacted Trans Union and XXXX XXXX XXXX. XXXX XXXX XXXX  advises they reported the correct information and that Trans Union made a mistake. Trans Union has now updated the correct balance today as of XX/XX/2020 and now my credit score has dropped 31 points and 44 points on my mortgage score and now I can not close on my house!!!!!!!!!! If this was never reported incorrect on Trans Union my scores would of not been effected!!!!!

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 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
In XX/XX/2020, I disputed a collection debt from IC Systems that appears on my credit reports with XXXX  and XXXX. Sadly, each credit reporting agency reported the result of their disputes was that they verified the debt as being mine and the collection would remain listed on each of my credit reports with XXXX  and XXXX. 
On XX/XX/2020, I called IC System to discuss the debt/collection they claim I owe, and I was told that the original claimant, XXXX had recalled their claim with IC System and that IC System had notified each credit reporting agency, XXXX  and XXXX  to remove the debt from my credit reports and that according to IC System records, the debt was to be removed from each report no later than Wednesday, XX/XX/2020. The collection/debt was removed from the XXXX  credit report as advised, however, XXXX  still had the false collection/debt appearing on my credit report and I am not allowed to dispute it again with XXXX  because I recently disputed it and they claim to have verified the debt. Id appreciate any assistance you may be able to provide in having XXXX  remove the false debt/collection with IC System for {$290.00}, as soon as possible as the decrease in my credit score is  hindering my ability to achieve an auto loan with a decent APR.

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 2020-09-24 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:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX   several times to no avail. XXXX  is reporting an incorrect spelling of my last name XXXX is incorrect. The following addresses are incorrect and do not belong to me, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX. I never paid the following accounts late, XXXX XXXX XXXX TransUnion, XXXX  and XXXX  are reporting late payments XXXX through XX/XX/2019, XXXX is reporting my payment status as " Late 30 days '' but does not specify when the alleged late payments were made, XXXX XXXX is reporting my payment status " Late 120 days '' for TransUnion and XXXX  and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made, USDOE/XXXX  is reporting my payment status " Late 120 days '' for TransUnion and XXXX  and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX considered to be furnishers? These accounts were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-09-24 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: MA

Complaint narrative:
The account credit balance of my XXXX XXXX account was not being reported correctly in my credit report after I paid the balance down sigificantly. The payment should have had a positive effect on my credit score. I submitted a dispute with Transunion. but my credit score went down 19 points from a good to an average score. My XXXX  score also went down whereas my XXXX  score went up as was expected. Upon completion of the dispute investigation the balance information was corrected The credit bureau has not provided any explanation in my report for the negative change. This activity has had an adverse impact on my financial condition.I have submitted another dispute but I am now unable to add a consumer statement to my file while the dispute is in progress.Not sure why this is.

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 2020-09-24 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: OneMain Finance Corporation
State: TX

Complaint narrative:
On XX/XX/2020 I settled with One Main FinanceXXXX XXXX XXXX collection agency for 3 payments of {$1500.00}. I made my first payment on XX/XX/2020. The amount of my payment was reported to all 3 credit bureaus XXXX XXXX XXXX  and XXXX. On XX/XX/2020 XXXX XXXX updated my payment and the balance went from {$5400.00} to {$4600.00} which helped my credit score. The other two reporting agencies XXXX  and XXXX  then followed reporting correct information. I am in the middle of purchasing a home and on XX/XX/XXXX my credit score was effected due to a major change on my XXXX XXXX score Im this date they reported my One Main account that I just settled with back to {$5400.00} so this showed that the balance increased when it did not! I contacted XXXX XXXX and One Main Financial. One Main financial advises they reported the correct information and that XXXX XXXX made a mistake. XXXX XXXX has now updated the correct balance today as of XX/XX/2020 and now my credit score has dropped 31 points and 44 points on my mortgage score and now I can not close on my house!!!!!!!!!! If this was never reported incorrect on XXXX XXXX my scores would of not been effected!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: PR

Complaint narrative:
On XX/XX/2020 I sent a first certified letter to Transunion requesting to investigate some accounts which appeared incorrectly in my report. The letter was received on XX/XX/2020. More than 45 days passed and I sent a second certified letter on XX/XX/2020 which was received on XX/XX/2020 requesting that according the Fair Credit Reporting Act which requires the correctness of the information, to remove the information requested. As of today and despite of giving them a deadline of five ( 5 ) business day to respond to my letter, I have not received a response and confirmation that the accounts has been removed. I demand that they remove the accounts requested as they failed to validate.

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 2020-09-24 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. Equifax is reporting an incorrect spelling of my last name XXXX is incorrect. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX, XXXX  and Equifax are reporting late payments XXXX through XX/XX/2019, XXXX is reporting my payment status as " Late 30 days '' but does not specify when the alleged late payments were made, XXXX XXXX is reporting my payment status " Late 120 days '' for XXXX  and Equifax and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made, USDOE/XXXX  is reporting my payment status " Late 120 days '' for XXXX  and Equifax and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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:
I have disputed the inaccurate reportings with XXXX, Experian, and XXXX   several times to no avail. XXXX  is reporting an incorrect spelling of my last name XXXX is incorrect. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX, Experian and XXXX  are reporting late payments XXXX through XX/XX/2019, XXXX is reporting my payment status as " Late 30 days '' but does not specify when the alleged late payments were made, XXXX XXXX is reporting my payment status " Late 120 days '' for XXXX and XXXX  and " Late 180 days '' for Experian but does not specify when the alleged late payments were made, XXXX is reporting my payment status " Late 120 days '' for XXXX  and XXXX  and " Late 180 days '' for Experian but does not specify when the alleged late payments were made. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX considered to be furnishers? These accounts were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
A collector called for a party other than myself " XXXX XXXX '' and identified themselves as working for Radius Global LLC Debt which is a debt collections company. It is illegal for them to identify themselves as a debt collector to someone other than the party that owes the debt. This is the second time in maybe a week I have had a debt collector trying to collect a debt I am no part of.

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 2020-09-24 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/2020 I received a bill from Comenity Capital BankXXXX XXXX  credit card. Showing an opened credit card for credit limit of {$1500.00} and balance owed of {$1300.00}. I never opened this account nor did I purchase or receive any merchandise from XXXX stores. 
XX/XX/2020 Case # XXXX. I submitted a dispute through my XXXX credit report. I do not know how anyone can open an account with my name. I tried to find a contact number to reach the bank but none was found. I do not even have the complete card number to even talk with the bank. Therefore they want me to provide my social security number and I refused to give it out since this account is fraudulent. 
On XXXX/XXXX/3020 XXXX credit reported that my dispute was closed and complete. They stated that the information was accurate. 
Im unemployed and my husband is a retired XXXX and receiveds XXXX  XXXX  XXXX  income. We live on a fixed income. I do not know how this account was opened and I certainly never purchased {$1300.00} worth of merchandise. I can not afford to pay this bill since it is not mine. I do not know what else to do. I do not want my excellent credit rating to be effected by this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24 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: MA

Complaint narrative:
The account credit balance of my XXXX XXXX account was not being reported correctly in my credit report after I paid the balance down sigificantly. The payment should have had a positive effect on my credit score. I submitted a dispute with XXXX. but my credit score went down 19 points from a good to an average score. My Equifax score also went down whereas my XXXX  score went up as was expected. Upon completion of the dispute investigation the balance information was corrected The credit bureau has not provided any explanation in my report for the negative change. This activity has had an adverse impact on my financial condition.I have submitted another dispute but I am now unable to add a consumer statement to my file while the dispute is in progress.Not sure why this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: Westlake Services, LLC
State: NC

Complaint narrative:
This is a NEW complaint - after the " resolution '' of the FIRST complaint! Please do not list this as a DUPLICATE complaint, this company is unethically practicing! 

Westlake Financial AGREED to change my charge off to a paid/close remark on my account ( see attached letter ) and changed it on my credit file. Three days later, they changed it BACK to a charge off. When I called Westlake yesterday, they told me that it was NOT their problem the issue I was having with my credit file and they did what I asked them to do, if even temporarily. The account is also reporting as 30 day past due in addition to being a charge off - all reported on XX/XX/XXXX 

I paid this item in full through my insurance company and my GAP insurance, I kept Westlake in the loop about any delays. I fully BELIEVE they received TWO payments on my vehicle - ONE FROM MY INSURANCE AND ANOTHER FROM THEIR INSURANCE COMPANY - complete fraud and unethical behavior.

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 2020-09-24 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: TN

Complaint narrative:
I have fraudulent inquiries on my account that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: TN

Complaint narrative:
I have fraudulent inquiries on my account 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 2020-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Lowes Deck Install Purchase - XX/XX/XXXX Goods delivery date - XX/XX/XXXX - actual date XX/XX/XXXX Job completion date - XX/XX/XXXX - not completed purchase price XXXX credit loan XXXX Three payments done for credit loan for services not rendered. 

I'm currently dealing with Lowes and it has been the worst interaction with a company I have ever had. I purchase a deck install in XX/XX/XXXX, still not done and its almost XXXX. Nobody I've talked to, regional reps or regular reps, can give me a schedule of when this 5x8 deck will be done. After calling and forcibly being put on the line with the sub-contractor ( who does not return my calls ), I find out that the inspection that happened two weeks prior failed. None of the reps who I talked prior to this call could provide this detail. It failed due to water being in the un-covered footer holes that needed to be inspected. Sub-contractor told me for the second time that the job will  be finished XX/XX/XXXX after telling me it would be done on XXXX. Well it's going to rain for the next 3 days, I don't see any covers on the holes, so it's going to fail inspection again. I've called up and left messages with the one rep  and two 'managing reps XX/XX/XXXX, hopefully they will get back to me. But its been five months, I have no real hope.

My first gripe with all this is that I've already taken a XXXX credit line from Lowes and I'm already paying installments on it ( x3 ), but I've yet to see anything actually be built, if this isn't credit fraud I don't know what is. And clearly if I choose not to pay for the credit line, I take the hit and XXXX  my credit score. 
My second gripe is that for months I didnt hear anything, nothing was delivered. But as soon as I asked for a new contractor or my money back, all the materials magically showed up. Now they are all just sitting here getting rained on. I live in the city, I have no fence to my back yard, its a miracle that the products/timber havent walked. And its not like Lowes will reimburse me for things that get stolen, because in their eyes, theyve delivered the product. 
This project was supposed to be done on XXXX. Its XX/XX/XXXX. 
I will proselytize to anyone and everyone about Lowes terrible business practices and horrendous customer service.

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 monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation