vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 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: FL

Complaint narrative:
On XX/XX/XXXX I walked into XXXX XXXX XXXX ( XXXX location in XXXX FL ) with my husband. We were met at the door by sales rep XXXX. While looking around he told us about two credit card offers. A 5 year interest free offer and a 6 month interest free offer. I agreed to apply to the 5 year interest free offer. My husband and I didnt get approved for the amount we hoped for so XXXX suggested we apply for the second program. I told him I would not apply because I did not want two hard inquiries. He assured me that both programs are underwritten by the same bank XXXX XXXX XXXX and therefore I would only have one inquiry. 

After double checking the facts with XXXX, and agreeing to be considered for the 6 month interest free card, I then received an email alerting me of two hard inquiries. One from XXXX and XXXX from XXXX XXXX. XXXX, the sales rep insisted that it was the same bank. When I returned to the store a week later after receiving XXXX separate letters in the mail, I explained what happened to the store XXXX XXXX XXXX, he confirmed that the information my husband and I were provided was incorrect and that he would deal with the sales rep accordingly. He also apologized but said this was a corporate issue, not a store issue. 

When I called corporate several weeks later on XX/XX/XXXX, they told me this is a store issue, not a corporate issue. I spoke with XXXX XXXX at XXXX XXXX XXXX corporate who was unable to provide me with any substantial resolve. 

I now have an authorized hard inquiry on my credit report that the store refuses to write a letter on my behalf so that I can submit it to the credit bureaus and have the inquiry removed. This has been an extremely stressful and upsetting situation to say the least.

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 2021-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
Purchased my home in XX/XX/XXXX. It was a new build although there was plenty of homes in the surrounding areas. First year my payments were {$1900.00} up to second year XXXX I was offered to refinance which dropped my percentage from 4.25 % to 3.0 %. The first year I also received a check of {$5000.00} due to escrow refund. The purpose was to lower my payment and the loan was for the same term. My new monthly balance became {$1300.00} ( XXXX ) which I had worked my other bills around and helped because of covid pandemic. At the beginning of XXXX I also applied for the XXXX exemption. Up to XXXX of this year my payments were {$1300.00} and then I received my escrow balance and it showed negative - {$7000.00} and my payments have gone up to {$2300.00}!. After seeing the {$1000.00} difference I called them. So their first response is because taxes had gone up which I only say a few XXXX dollars. I'm not sure how they could have miscalculated that much and after reviewing they did think it was strange and after 30min on the phone being transferred the call dropped. I decided to call again at a later time and they informed me that someone would send me my escrow analysis. Unfortunately due to covid, the winter storm here in Texas, and a vehicle accident I haven't recovered financially and when I was ready to my payments have increased. I have also gone under forbearance due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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:
A fraudulent account was set up in my name by a company named XXXX ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for XXXX, Transunion, and XXXX. I immediately contacted XXXX again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though XXXX is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

Thanks, 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 2021-07-12 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: TX

Complaint narrative:
A fraudulent account was set up in my name by a company named XXXX ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for Equifax, XXXX, and XXXX. I immediately contacted XXXX again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though XXXX is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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:
A fraudulent account was set up in my name by a company named XXXX ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for XXXX, XXXX, and Experian. I immediately contacted XXXX again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though XXXX is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

Thanks, 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 non-monetary relief
Consumer complaint received 2021-07-12 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: TX

Complaint narrative:
Hello - I've been disputing the following below items with the bureaus and they all remain on there in violation of the Comprehensive Credit Act of 2020, Section 401. I've sent them multiple letters. No collection should remain without a contract. Same goes for inquiries as well. I have no authorization/contracts for such. There should not be any late payments either for accounts that I've paid in full, i've already discussed with them about this. 

XXXX XXXX XXXX {$4300.00} - Closed & paid in full never late ( unverified late markings ) XXXX potentially negative months XXXX XXXX - Inquiry Unauthorized Inquiry from XX/XX/XXXX XXXX XXXX XXXX - XXXX, debt buyer??? 
Opened XX/XX/XXXX {$290.00} XXXX XXXX XXXX - unauthorized inquiry Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - unauthorized inquiry Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I made a extra payment to ally on XX/XX/2021 after I made payment needed on the XXXX XXXX. Ive called and requested for a refund on the same day, was told that I would be getting it but when I called again on XXXX XXXX I was told I was denied. Ive gotten hung up on, placed on hold for two hours waiting for a department that was closed but I wasnt informed by the representative. Was told the check was sent by mail them was told it was sent electronically. Then found out that it was sent to the wrong account and had to be processed again. Now Im still waiting for my refund and they are still giving me the run around. They said it was received by the third party but who knows what now.

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 2021-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III
State: NV

Complaint narrative:
I am having an issue of an ongoing nature with a collection agency reporting information on my credit report regarding a debt which was paid in full prior to being sent to collections. the debt regards a payment for rent in a condo where myself and my partner lived, in California. Prior to moving out, the debt was paid for in cash and then we were given permission to move from the property. Nothing was ever reported immediately following this transaction. Approximately 1 year after, the debt was placed into collection but we were never notified as to the legitimacy or lack thereof regarding the debt. 

I have disputed numerous times, citing FCRA compliance and requesting original paperwork from the company under the Fair Debt Collection Practices Act, which I would then use to validate such an amount being due, and then take action against the company reporting the information fraudulently. To date, no documents have been provided from these disputes, neither prior to dispute or after dispute. The company is simply stamping the dispute as meeting FCRA standards without actually meeting them, causing a hardship on myself with every new dispute. 

This is unfair and wrong and I am asking this federal agency to assist in mediation with this matter. 

The collection agency : Allied Collections, has to this date refused to reply with a response that meets FCRA guidelines, they have provided no tangible paperwork as requested, they have not communicated with myself in any manner and when i contact the reporting agencies, as to what material has been submitted to prove the debt is accurate, I am told the company has not provided any paperwork but have made the claim that it is correct. 

Also this collection has been systematically increasing in dollar amount even though it is in the hands of a debt buyer and long closed. 

This needs to be investigated and corrected. This debt is not factual as all monies owed were paid prior to vacating premises. I am asking for assistance in investigating this fraudulent collection claim in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: OK

Complaint narrative:
In XX/XX/2020 I was a victim of fraud. Someone attempted to open an account in my name with XXXX XXXX XXXX and XXXX. Their attempts led to Hard inquires that dropped my score by 40+ points. After months of contact with the creditor, the credit agency, and finally the CFPB I was able to get the fraudulent accounts removed. Unfortunately, the removal of these accounts did not restore my score to its original points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: OK

Complaint narrative:
In XX/XX/2020 I was a victim of fraud. Someone attempted to open an account in my name with XXXX XXXX XXXX and XXXX Their attempts led to Hard inquires that dropped my score by 40+ points. After months of contact with the creditor, the credit agency, and finally the CFPB I was able to get the fraudulent accounts removed. Unfortunately, the removal of these accounts did not restore my score to its original points.

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 2021-07-12 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: UPGRADE, INC.
State: OH

Complaint narrative:
My account was reported as delinquent on XX/XX/16 even though it was not. I was enrolled in their hardship program. 

The account is still showing as past due as well, even though I completed the hardship program and made my final payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have student loans for XXXX and US Department of Education. The loan has been forgiven as per required for 100 % XXXX veteran. I had it removed and it came back on my credit report all 3 of them. Please remove and KEEP OFF I have done this several times over and over and it has created financial hardships at various and multiple times. The debt was forgiven in late XX/XX/XXXX. Please remove and keep off my credit report in the future. I have submitted all documents in the past proving that debt has been closed and that I have been awarded since XX/XX/XXXX. Please reflect all dates back to that date also. Thank you, I hope this will give me the freedom to finally use my VA home loan and purchase my 1st home ever instead of renting my whole life because of credit issues with " Student Loans ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
its about credit score, i had XXXX point on XX/XX/2021 but now suddenly it became XXXX on XX/XX/2021. 
i have no clue for this and i have no any action for my financial application.

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 2021-07-12 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: GA

Complaint narrative:
I was advised that I can reached out to you all for help. I went to trade my car in and the man at the dealership said my credit would not allow it. I immediately signed up for one of those credit thingy and saw some things on my credit that is not mine. One thing that really stuck out was a bankruptcy. I called the XXXX District of GA Bankruptcy and they lady at the clerk office told me that my social security number was not in their system and there is not bankruptcy for me. They told me to contact some company that has public records or something and the said the exact same thing so how is this possible smh. The other ones were XXXX XXXX, XXXX  XXXX XXXX, XXXX? XXXX and XXXX/XXXX  XXXX. I reached out to the FTC to let them know and the police here. I need help with this im doing this on my own and really need some help.

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 2021-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AD ASTRA REC plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Two years ago I purchased a new XXXX from XXXX, the company moved me to a new phone number and phone plan as a result of my financing the new phone through their company. As a result, they indicated that my old phone number and pre-paid plan could not be used and that they would close both the number and plan - I also turned in my old phone for recycling at this time. They did not however suspend/close this old plan and continued to charge me {$61.00} over the past two years. This is IN ADDITION to charging me for the cost of my current phone plan, which included the cost to the phone. Therefore, XXXX has been charging me for 2 phone plans a month, for two years, one of which they were responsible for terminating. They owe me over {$1500.00} for these charges. I called them and they said they will only reimbuse me for the past 6 months as they can see/prove that the plan/phone number was not used. I want to reimburse for the full two years. My bank, Capital One, said that too much has time has passed to pursue an investigation or open a case to dispute the charges. This is a lot of moneyXXXX XXXX has no way of looking in their system to see and verify that I indeed only use one of the two plans they have been charging me for over the past two years and to rightly/morally take action to reimburse for the plan I have clearly not used because they as a company made me switch plans and phone numbers and thereby assumed to responsibility of shutting down my only plan and moving to my new one?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX 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 2021-07-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern ; Under 15 US code 1681b-Permissible purposes of consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer of whom it relates. 

I, XXXX : XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached & copy of dispute letter domestic return receipt. 

I would like to paid for the default judgement this has affect my life for the worst. I like to receive a check of {$5000.00} for fraud, Defamation and pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XXXX, 2021 I became aware of the fact that Experian unilaterally dropped my credit score by 25 points ( from XXXX to XXXX ). I called their so-called help line to find out why. They refused to answer any of my questions using the dodge that I had to hire a outside credit advisor. My credit score aXXXX XXXX is XXXX, at XXXX, XXXX. 

I have no credit card debt, no auto loan and the only debt I have is a very manageable mortgage payment. Nothing has changed as I've had no debt other than my mortgage for the last three years. I have a stable comfortable retirement income The Experian rep suggested that it " might '' be because I don't have any credit card debt and suggested I carry debt!! This begs the question as I've had no credit card debt for three years and out of the blue it becomes a problem? 

How can Experian penalize me for prudently managing my financial affairs?

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