vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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: MO

Complaint narrative:
My wife and I tried applying for a first-time home mortgage and were denied based on inaccurate information and possibly non compliance with the CARES act of XXXX. We accepted the services of a debt repayment company XXXX XXXX in XXXX. We made our payments on time and in XXXX of XXXX, we paid the full remaining balance of approximately {$7900.00} dollars. What we did not know was that this company would place our credit in bad standing with all 3 credit agencies. We have Charge Off 's and late payments listed on our credit reports. This was never disclosed to us when we agreed to use the company for services. I reached out to all 3 agencies to dispute these bad marks and was ignored. We met with a mortgage lender and were told we have past due amounts on my Federal Student loans which under the CARES act are in forbearance until XX/XX/XXXX. This is a criminal violation if used for determining denial of an FHA loan. We have less than {$2000.00} in credit debt, all payments are on time with average open credit accounts, we make a combined income of {$76000.00} and are gainfully employed in essential job duties and can not get a home mortgage. Who can help us or protect us against unfair marks on our credit?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: MO

Complaint narrative:
My wife and I tried applying for a first-time home mortgage and were denied based on inaccurate information and possibly non compliance with the CARES act of XXXX. We accepted the services of a debt repayment company XXXX XXXX in XXXX. We made our payments on time and in XXXX of XXXX, we paid the full remaining balance of approximately {$7900.00} dollars. What we did not know was that this company would place our credit in bad standing with all 3 credit agencies. We have Charge Off 's and late payments listed on our credit reports. This was never disclosed to us when we agreed to use the company for services. I reached out to all 3 agencies to dispute these bad marks and was ignored. We met with a mortgage lender and were told we have past due amounts on my Federal Student loans which under the CARES act are in forbearance until XX/XX/XXXX. This is a criminal violation if used for determining denial of an FHA loan. We have less than {$2000.00} in credit debt, all payments are on time with average open credit accounts, we make a combined income of {$76000.00} and are gainfully employed in essential job duties and can not get a home mortgage. Who can help us or protect us against unfair marks on our credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: MO

Complaint narrative:
My wife and I tried applying for a first-time home mortgage and were denied based on inaccurate information and possibly non compliance with the CARES act of XXXX. We accepted the services of a debt repayment company XXXX XXXX in XXXX. We made our payments on time and in XXXX of XXXX, we paid the full remaining balance of approximately {$7900.00} dollars. What we did not know was that this company would place our credit in bad standing with all 3 credit agencies. We have Charge Off 's and late payments listed on our credit reports. This was never disclosed to us when we agreed to use the company for services. I reached out to all 3 agencies to dispute these bad marks and was ignored. We met with a mortgage lender and were told we have past due amounts on my Federal Student loans which under the CARES act are in forbearance until XX/XX/XXXX. This is a criminal violation if used for determining denial of an FHA loan. We have less than {$2000.00} in credit debt, all payments are on time with average open credit accounts, we make a combined income of {$76000.00} and are gainfully employed in essential job duties and can not get a home mortgage. Who can help us or protect us against unfair marks on our credit?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
I received a collection letter from Collection Professional , Inc sent on XX/XX/XXXX20 stating they are collecting for IL XXXX XXXX XXXX for {$1100.00}. I responded via mail onXX/XX/XXXX20 with a letter advising them of my dispute, as this bill is a result of a military on-duty injury. This injury was reported and paid as worker 's compensation. I mailed proof of that ( military documents ) along with my letter and contact information for my drill unit. On XX/XX/2020 I received another letter from Collection Professional , Inc attempting to collect on the same date with no regard to my letter sent to them. This time they included a copy of the bill from XXXX  XXXX XXXX XXXX. I replied via mail again on XX/XX/20 basically stating the same thing as I originally stated in my XX/XX/20 letter and requested that they stop collection practices and warned that I would report to XXXX  and Consumer Financial Protection Bureau if they continue collection. Today I am in receipt of yet another letter attempting to collect a debt, however, this one now shows interest added to the account ( {$1100.00} ). I wish for this company to cease collection practices and properly investigate this debt. In my third and final letter to them onXX/XX/20, I'm including contact information for my drill unit so that they can verify that this is a worker 's comp case and I'm not responsible for this debt. It appears that they are ignoring my request and continue to send the same attempt to collect letters. As military personnel, my credit report/rating is extremely important to me and an inaccurate date can jeopardize my employment and future career and financial related goals. I'm requesting that you contact them immediately ask them to cease collection attempts and remove this derogatory item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello to whom it may concern Im a customer of XXXX card Ive had since 2011 they never allow me to get my 1 year free credit report. Additionally they fraudulently lowered my credit limit from XXXX. To XXXX $ discriminated against me because I let my Daughter be a card holder while she was using her user card at XXXX university in Florida . Im a working class so I believe Im being discriminated against, then XXXX card refused my free credit report and lowered my limit and return this lowered my credit report 50 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
Hi, Ive been trying to pay off a debt to apartments, the reason why I had to move was due to a domestic violence case. Every time Ive called XXXX has been very rude and he always downgrades me. My debt was originally XXXX and the amount theyre trying to charge me is XXXX. I have been back and fourth with them the whole month of XXXX and they will not work with me at all. He told me talking to a supervisor would not help and make a difference. This debt is not only on my credit but my moms as well, he was trying to get me to pay XXXX for myself so it would be taken off my credit but leave the rest for my mom to pay or it wouldnt get taken off if I didnt agree to that and asked me I had a good relationship with my mom so I could do that to her. I thought that was so wrong. Another time I called I spoke to a lady and she said I can pay XXXX and it would be taken off mine and my moms credit but when she transferred me to the supervisor he said he would have never approved that amount. That if I wanted to settle it would have to be for XXXX and it would be taken off. I asked him if I could think about it and he told me I could leave him on hold that if I hung up the deal would be off the table. Every time Ive called everyone is very rude, not willing to work with me or my mom and help us in any way. The amount theyre asking for is over what my actual debt is and they are always giving me attitude and dont seem to care to help. Very unprofessional

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: GA

Complaint narrative:
There are accounts reporting on my credit report that don't belong to me. I contacted Equifax, XXXX, & XXXX  multiple times. I sent in my initial complaint on XX/XX/2020. I didn't hear back from them in 30 days so I sent a demand to comply and still haven't gotten any responses. The demand to comply letter was sent XX/XX/2020. I have attached the letters that I sent to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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 would like to file a complaint against the following consumer reporting agencies. XXXX  and Equifax I originally made each of these agencies aware of inaccuracies on my credit report due to identity theft in XX/XX/2019. Each month since then I have sent them proof of those inaccuracies. In my recent disputes to XXXX   and Equifax on XXXX XXXX I submitted proof to them that the creditors had not legally verified my accounts. In addition I have sent proof that my address and drivers license number was different from the ones held on file by the creditors. Also The creditor were not able to provide the original contracts bearing my signature. However XXXX  or Equifax has not removed these inaccurate accounts.They have told me that these accounts were verified I questioned how. Their method of verification was not disclosed to me despite my request. These account are inaccurate and should be removed. These agencies also allowed the creditors XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  to re age the accounts showing missed payments and a past due balance after being charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Equinox Counseling Services
State: TX

Complaint narrative:
Equinox Counseling services offered credit repair services to my client based upon the recommendation of a lending officer. Under CROA under 1679b. Prohibited practices, it is prohibited to collect any payment in advance for credit repair. Equinox Counseling Services charged my client {$940.00} up front and when I confronted her in an email she stated she collected the monthly fee 's in advance, but when asked how many months and if she could refund the money because client would not continue with her she never answered my email or phone calls. My client also asked to cancel the same day after he told me he signed up with her and when he talked to XXXX XXXX, she said he couldn't cancel and get a refund because she had already sent out the dispute letters. In Texas, they have a 3 day cooling period and she said he didn't qualify. After emailing XXXX and confronting her and demanding answers, my client called me the next day and stated he didn't want any problems and she hadn't called him in 2 weeks until I messaged her asking for a full refund to my client since she violated the CROA. Now my client has mentioned to me he does not want any trouble and that he will put his home search off for a few months. This comes the same day after I had emailed her again. Also, after many attempts to get in touch with the mortgage lender I finally got a call back and the lender told me that many people from his office were leaving the business for this type of home loan. My client then calls me and tells me that the loans will be available at the end of this month. Whether he purchases a home or not, I don't want anybody else to be taken advantage of, especially, a client like this who puts his trust into me. If you need screenshots of the emails, XXXX messages ( which they never responded either ) and/or phone calls, please let me know and I can provide that. She stated in her own email that she had charged the money up front.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The credit reported derogatory info and shows inaccuracies. The true date of delinquency/Charge-Off started XX/XX/XXXX. New Jersey Law, statute of limitations of six years on all types of loans, including those from written contracts and credit cards. If a consumer 's debt is more than six years overdue, the lender can no longer take action in order to collect the debt. Schedule deletion date indicates XX/XX/XXXX. Correct date of deletion date was XX/XX/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 2020-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-05-19 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: VA

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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 SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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. 
DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX   XXXX XXXX  XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX 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 XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
I applied for Covid-19 assistance with Prosper. They accepted my application and let me defer my payments for 3 months. 
Their representative turned off my auto-pay so the payment wouldn't be automatically withdrawn from my banking account. I understood the terms of the deferment and accepted them. 
1 week after the first deferred payment I recieved a call from their collections department telling me I was past due. 
Then I explained that they deferred my loan payments due to Covid-19 and they told me they would investigate and follow up with an  email. 
Today I recieved an email stating that I'm not eligible for covid assistance. ( 1 month after they told me I qualified for it ). 
I called up this evening to speak to a representative to figure out what was going on and they told my that Prosper no longer is offering Covid-19 assistance. Meanwhile at the top of their website and emails it shows they are offering help for people affected by it.

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 2020-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are accounts reporting on my credit report that don't belong to me. I contacted XXXX, Transunion, & XXXX  multiple times. I sent in my initial complaint on XX/XX/2020. I didn't hear back from them in 30 days so I sent a demand to comply and still haven't gotten any responses. The demand to comply letter was sent XX/XX/2020. I have attached the letters that I sent to the credit bureaus.

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 2020-05-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are accounts reporting on my credit report that don't belong to me. I contacted XXXX, XXXX, & Experian multiple times. I sent in my initial complaint on XX/XX/2020. I didn't hear back from them in 30 days so I sent a demand to comply and still haven't gotten any responses. The demand to comply letter was sent XX/XX/2020. I have attached the letters that I sent to the credit bureaus.

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