vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed that I had a ding on my credit report for a account that was 30 days late it was reported for the month of XX/XX/2020. It was for my XXXX   secured credit card. I sent them a chat request this morning of XX/XX/2020 to inquire about this because It has to be a mistake. My payments are due on the XXXX of every month I was late but only by 3 days for the month of XXXX and XXXX I made my payments on the XXXX of both of those months. I was trying to chat with them about why they reported me being over 30 days late when that is not possible since i was only 3 days past my due date. But they could not give me a reasonable answer I was well aware of the late fee and excepted the fee I paid all the fees and my minimum payment and then some. I told them that this was being reported on my credit report as inaccurate information and is a deformation of character and not a true picture of what is really being done and all I was told was that since I made the payment after the due date the statement was closed and it is not possible to make a payment to that statement and therefore I am 30 days late. I told them that is a deformation of character and is inaccurate and to please update it to not late and i was told to have a nice day and the chat was ended.

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed that I had a ding on my credit report for a account that was 30 days late it was reported for the month of XX/XX/2020. It was for my XXXX   secured credit card. I sent them a chat request this morning of XX/XX/2020 to inquire about this because It has to be a mistake. My payments are due on the XXXX of every month I was late but only by 3 days for the month of XXXX and XXXX I made my payments on the XXXX of both of those months. I was trying to chat with them about why they reported me being over 30 days late when that is not possible since i was only 3 days past my due date. But they could not give me a reasonable answer I was well aware of the late fee and excepted the fee I paid all the fees and my minimum payment and then some. I told them that this was being reported on my credit report as inaccurate information and is a deformation of character and not a true picture of what is really being done and all I was told was that since I made the payment after the due date the statement was closed and it is not possible to make a payment to that statement and therefore I am 30 days late. I told them that is a deformation of character and is inaccurate and to please update it to not late and i was told to have a nice day and the chat was ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed that I had a ding on my credit report for a account that was 30 days late it was reported for the month of XX/XX/2020. It was for my XXXX   secured credit card. I sent them a chat request this morning of XX/XX/2020 to inquire about this because It has to be a mistake. My payments are due on the XXXX of every month I was late but only by 3 days for the month of XXXX and XXXX I made my payments on the XXXX of both of those months. I was trying to chat with them about why they reported me being over 30 days late when that is not possible since i was only 3 days past my due date. But they could not give me a reasonable answer I was well aware of the late fee and excepted the fee I paid all the fees and my minimum payment and then some. I told them that this was being reported on my credit report as inaccurate information and is a deformation of character and not a true picture of what is really being done and all I was told was that since I made the payment after the due date the statement was closed and it is not possible to make a payment to that statement and therefore I am 30 days late. I told them that is a deformation of character and is inaccurate and to please update it to not late and i was told to have a nice day and the chat was ended.

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I have contacted USAA about billing statement, payment, and Date of First Delinquency issues. 

First billing statements are missing the year of XXXX, which I believe is the start of the date of the first delinquency. 

Second payment history, I can not see when a payment was made by whom, or where it came from. 

Date of first Delinquency keeps changing, between credit bureau and USAA. 

In addition to this my debt was forgiven in XXXX tax year. 7 years after the original charge off date. See attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Company XXXX, XXXX  are trying to collect a debt that has been fraudulently sold around two times by Kohls with no evidence that I owe this debt. I have asked for validation by way of contract because I do not owe are remember this debt. Kohls is also attempting to collect the debt by Reporting it and damaging my credit to the Credit Bureaus. And must cease and desist all attempts. 
I have attached a validation of debt letter to the response of XXXX, XXXX  validation request which was dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This was a secured credit card. I made the deposit for this card however, when I received the card I did NOT activate it and I have never even used the card and consequently I never received any bills on this account. I was not aware that there was a late reporting on this account until I obtained a copy of my most recent credit report. This account is inactive so how can there be a late reporting? This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CA

Complaint narrative:
I am a victim of identity theft. Someone used my maiden name and old address to open a paypal synchrony bank credit card account in XX/XX/2019. I did not find out about the account until the thief ran up charges and did not pay the bill and my credit score dropped in XX/XX/2019. I filed a dispute immediately. The entire account is fraudulent, not just one charge. I did not create the account. I did not make any of the purchases. The bank declined my fraud claim twice now based on an inaccurate investigation on their end. They claim the account was open for more than one year and I benefited from it. By their own records, it has been open less than one year and they have provided no proof that I benefited from it. They have not requested any supporting documentation from me despite my follow-up calls and letters. I can prove when I changed my name and moved to demonstrate that I did not create the account. I filed an FTC identity theft report.I put fraud alerts on my credit bureau accounts. I had nearly perfect credit prior to this incident. It is crystal clear from my credit history that I would not and did not open this fraudulent account and fail to make payments.

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 2020-02-12 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: TX

Complaint narrative:
I was told by my bank lender that I was not approved for a personal loan I had applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX {$920.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX  XXX {$730.00} XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-02-12 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:
I was told by my bank lender that I was not approved for a personal loan I had applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX {$920.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX  XXX {$730.00} XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This was a secured credit card. I made the deposit for this card however, when I received the card I did NOT activate it and I have never even used the card and consequently I never received any bills on this account. I was not aware that there was a late reporting on this account until I obtained a copy of my most recent credit report. This account is inactive so how can there be a late reporting? This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX ProCollect tried to collect on a debt not owed. Police report was submitted to all bureaus as well and account was removed. Mr. XXXX, from ProCollect, called me on XX/XX/XXXX asking about the same account. I advised it was identity theft and to cease calling me. Today, Mr. XXXX called me again asking about paying the debt and advised again it was identity theft and they have the report. I sent a copy of the police report to ProCollect on XX/XX/XXXX via email. Mr. XXXX persisted on with payi nig the debt and I told him he was advised to not call me anymore due to the identity theft.

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This was a secured credit card. I made the deposit for this card however, when I received the card I did NOT activate it and I have never even used the card and consequently I never received any bills on this account. I was not aware that there was a late reporting on this account until I obtained a copy of my most recent credit report. This account is inactive so how can there be a late reporting? This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/XXXX - XXXX XXXX  XXXX - {$1000.00} All other bureaus have processed my request with the exception of Equifax. Equifax continues to ignore my request to remove this account after informing them of the identity theft case. I have sent request month after month with documentation and they still continue to not honor my request. I do have the documentation where XXXX has removed the account from my report on XX/XX/XXXX but Equifax still continues not to do this. This account is not my account and it was removed from all the others. I have attached a copy of my equifax report that shows under collections the account, I have also attached the letter from XXXX with the date attached to show it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Stage Funding
State: PA

Complaint narrative:
on XX/XX/2020, I was advised by XXXX of XXXX XXXX XXXX loan that my loan was declined due to my mortality rate. Spoke to his supervisor XXXX, about this issue and was told by her that they were allowed too. To Me, this is age discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 30 )  days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This was a secured credit card. I made the deposit for this card however, when I received the card I did NOT activate it and I have never even used the card and consequently I never received any bills on this account. I was not aware that there was a late reporting on this account until I obtained a copy of my most recent credit report. This account is inactive so how can there be a late reporting? This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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 XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX- Reported : XXXX XXXX, XXXX + {$8900.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$22000.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX - {$720.00} Needs Attention The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I completed a 6 month short term forbearance agreement with Flagstar XX/XX/2019. I have been employed as an XXXX  XXXX as of XX/XX/2019. 

I uploaded all required documentation for a loan modification review to Flagstar 's web portal in XX/XX/2019, including a 3rd party authorization. In all my subsequent calls to Flagstar ( 10+ calls in XXXX/XXXX  ) to confirm the documents have been received, I am told documents are missing or need to be changed. I can locate and view all the documents on Flagstar 's portal which I am told are missing. Flagstar 's representatives are not able to locate them, or provide  consistent information on what is outstanding. I have detailed notes from each call, indicating date of the call, who I spoke with, what I am being told is missing, and what needs to be changed. I have verified repeatedly that all documentation is uploaded and accessible on Flagstar 's web portal.

My authorized 3rd party has also called Flagstar on 3 occasions since XX/XX/2019 and Flagstar has stated each time that they do not have the authorization. It has been posted on Flagstar 's portal since XX/XX/2019, and I can locate and view it there. 

My concern and complaint is that Flagstar is not performing the loan modification review, which is a barrier to getting a repayment agreement in place as soon as possible.

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 2020-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OSG Group Holdings, Inc.
State: TX

Complaint narrative:
I received a call from XXXX XXXX who said she was a representative for Debt Management Partners. The number she called from was XXXX. She gave personal information to my spouse without my authorization and called my employer and gave information that was not authorized. I called XXXX and asked her to cease and desist any further collection activity and to stop calling my spouse or emplyer. She said that she has the legal authority to talk to my spouse or employer. I demanded that collection calls are stopped immediately.

Company response to consumer: Closed with explanation