vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 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: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing XXXX and Account numbers XXXX. XXXX XXXX. XXXX XXXX has re-aged this account. The current information is inaccurate and is reported as a later date from the date of first delinquency. Please delete this account immediately.

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 2022-01-29 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: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-01-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-29 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: Caliber Home Loans, Inc.
State: WI

Complaint narrative:
I recently reached out to caliber home loans with the hopes that they could help me on numerous occasions to no avail. I attempted over the course of the last few months to get in contact with someone, but it wasn't until earlier this month of XXXX that I was able to get in contact with a gentleman. I called due to a financial situation my husband and I was having due to several break ins in our properties that affected my husband and I tremendously. We were late on a payment in XXXX inadvertently which was our first ever being late in the XXXX that we have been with Caliber home loans. I explained my situation to the gentleman and asked if they would " out of good faith '' report our XXXX payment being on time due to us being caught up and never having a late payment before. He said that it was absolutely nothing he could do. I told him that I could provide police reports or documentation showing why we had been late and that we had never been before, but he again said it was nothing he could do. The payment was late in XXXX, but reflects we were late in XXXX which is inaccurate. I am asking please out of good faith or even if I must pay that someone understands our situation. Due to the unfortunate situation with multiple break-ins and everything stolen it put us behind on all our bills. We are now caught up with all of them. We are praying that Caliber would be willing to please understand our situation as it was unforeseen and would take inconsideration into reflecting on our credit reports that we paid on time. This has dropped my credit score over XXXX from XXXX late payment, which I have no other late payments or anything on my credit report. I can no longer refinance my XXXX properties that were due to be refinanced this month due to the significant change in my credit score but also the negative late payment from caliber.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
I have an account with XXXX and I have been attempting to pay my bill online for several months only to be told by the system that I have no balance and no payment is due. I received a bill through the mail stating I have a past due bill totaling XXXX with a past due amount of 80.00.I called the customer service number and after being transferred to 3 different people I was transferred to XXXX id XXXX XXXX. She apologized saying there has been a problem with the system. I again explained how I have attempted to make payments but the system says I don't owe anything. She asked if I had called in to speak with someone and I informed her I had not seeing the system says there isn't anything due. I asked if the past due amounts would be reversed since it was the company 's system that gave erroneous information. She told me they could only remove 1 month and the balance after subtracting the late fee of ten dollars would be XXXX. I told her that was the amount of the bill i have before me and she stated the amount is XXXX. At this point I don't know what is true. I am being penalized for something that is entirely the company 's fault and being reported to the credit bureaus as having late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I sent a debt validation to the XXXX  main credit bureaus on XX/XX/2021 to Ad Astra Recovery Services for {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: UT

Complaint narrative:
Hello, I am a first time homebuyer and have had my credit score pulled by the three main credit bureaus -- Equifax, XXXX, and XXXX -- through several lenders. XXXX is the only bureau that reported my correct social security number. 

Only one of the lenders we have considered going with doubled checked my credit score and found that it was incorrect on Equifax and XXXX 's reports. I started a dispute with Equifax on XX/XX/XXXX. They claimed it got fixed online but I received no email confirmation nor could I read the PDF file they attached to my account. I called them and had someone help me " fix '' it over the phone. They claimed it got fixed on XX/XX/XXXX. I had my lender pull my credit again today on XX/XX/XXXX and it was STILL incorrect. 

I started a dispute with XXXX and priority mailed the required information to them ( ID + social security number ). The number is STILL incorrect on the credit report. 

These two bureaus slowness in fixing my incorrect social security number is preventing my family from getting fully approved to buy a home. In this very competitive Utah market, it is making us miss out on great homes for my family ( including my 8 month pregnant wife ) because of their slow process. It's their fault we can not buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There were unauthorized charges used on a home depot card in the month of XXXX that totalled over XXXX. XXXX XXXX sent me a text asked I'f id tried to purchase something and I advised no. The next day fraud dept called and we canceled the account. They told me charges never went thru so they issued a new card. They never told me about the other charges that were charged to my account that they allowed so I called them in XXXX dispute those fees. XXXX case was opened and until today they say I'm responsible for fees I never purchased at there store.

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 2022-01-29 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
gm financial in 2017 I needed assistance with my payments and asked for a deferment for XXXX and XXXX of 2017 this was suppose to be put to the back of my loan, and not reported late, last year I paid off the car, in a attempt, to purchase a home, I was denied because off the XXXX late payments in 2017, my credit XXXX XXXX I serious deliqlenquency when I XXXX 's day report it showed on GM FINANCIAL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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 received a 100 % VA XXXX XXXX XXXXXXXX XXXX determination XX/XX/XXXX with an effective date of XX/XX/XXXX. After which I applied and was approved for a XXXX XXXX XXXX XXXX discharge  ( TPD ) of my student loan debts through the XXXX discharge office of The US Department of Education as of late XXXX. The credit report states the student loans as paid after I disputed/updated with each reporting agency. However, I needed a letter from the loan servicer stating that the derogatory information related to these loans should be removed. On XX/XX/XXXX, I contacted the department that I'd originally applied for the discharge through, and was told that I needed to contact the US Department of Education Resolution Group for the letter. When I called the first time and explained what I needed the representative said he would email the letter to me. However what I received didn't state that the derogatory information needed to be removed from my credit reports. I called a second time and spoke to a supervisor ( XXXX XXXX at approx. XXXX. The supervisor told me that my accounts were reported as discharged due to VA XXXX and therefore did not qualify for credit report removal. He also stated that a normal XXXX discharge would remove the derogatory information, but that my account wasn't reported through the XXXX department. I submitted all forms and provided all documentation required to the XXXX department during the application process and believe there to be an error or misunderstanding regarding my student loan discharge and credit reporting.

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 2022-01-29 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 received a 100 % VA XXXX XXXX XXXX XXXX determination XX/XX/XXXX with an effective date of XX/XX/XXXX. After which I applied and was approved for a XXXX XXXX XXXX XXXX discharge ( XXXX  ) of my student loan debts through the XXXX discharge office of The US Department of Education as of late XXXX. The credit report states the student loans as paid after I disputed/updated with each reporting agency. However, I needed a letter from the loan servicer stating that the derogatory information related to these loans should be removed. On XX/XX/XXXX, I contacted the department that I'd originally applied for the discharge through, and was told that I needed to contact the US Department of Education Resolution Group for the letter. When I called the first time and explained what I needed the representative said he would email the letter to me. However what I received didn't state that the derogatory information needed to be removed from my credit reports. I called a second time and spoke to a supervisor ( XXXX XXXX at approx. XXXX. The supervisor told me that my accounts were reported as XXXX due to VA XXXX and therefore did not qualify for credit report removal. He also stated that a normal XXXX discharge would remove the derogatory information, but that my account wasn't reported through the XXXX department. I submitted all forms and provided all documentation required to the XXXX department during the application process and believe there to be an error or misunderstanding regarding my student loan discharge and credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: TX

Complaint narrative:
After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: UT

Complaint narrative:
Hello, I am a first time homebuyer and have had my credit score pulled by the three main credit bureaus -- XXXX, TransUnion, and XXXX -- through several lenders. XXXX is the only bureau that reported my correct social security number. 

Only one of the lenders we have considered going with doubled checked my credit score and found that it was incorrect on XXXX and TransUnion 's reports. I started a dispute with XXXX on XX/XX/XXXX. They claimed it got fixed online but I received no email confirmation nor could I read the PDF file they attached to my account. I called them and had someone help me " fix '' it over the phone. They claimed it got fixed on XX/XX/XXXX. I had my lender pull my credit again today on XX/XX/XXXX and it was STILL incorrect. 

I started a dispute with TransUnion and priority mailed the required information to them ( ID + social security number ). The number is STILL incorrect on the credit report. 

These two bureaus slowness in fixing my incorrect social security number is preventing my family from getting fully approved to buy a home. In this very competitive Utah market, it is making us miss out on great homes for my family ( including my XXXX XXXX XXXX wife ) because of their slow process. It's their fault we can not buy a home.

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 2022-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: AL

Complaint narrative:
PFC has 5 un-verified collection accounts on my credit and I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a notice sent to you because you have violated my federally protected consumer rights, beginning with my right to privacy, which you have failed to respect as your grave responsibility as a consumer reporting agency as a result of my creditworthiness. Credit capacity and character reputation have been severely harmed, resulting in emotional distress, marital instability, and financial losses. You are also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent ; and 15 USC 1681b ( a ) by furnishing a consumer report containing specific factual nonpublic private personal identification information without my written consent ( 2 ). According to 15 USC 1681c, a consumer agency must block the reporting of information in a consumer 's file that the consumer identifies as information resulting from an alleged identity theft no later than four business days after the date of receipt by such agency ( 2 ). 
You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates.

You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates.

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 2022-01-29 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:
After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation