vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/XXXX and XX/XX/XXXX. The accounts are paid off and they are closed, resulting in an inaccurate credit report.

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 2022-01-30 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have disputed XXXX XXXX XXXX XXXX XXXX with Experian several times each time Experian has changed the account status both creditors have been reporting under XXXX XX/XX/XXXX which does not exist I have told Experian several times XXXX XXXX XXXX was never my address and Experian refuses to remove the address and any creditor that is reporting under that address both creditors we're reporting under a bankruptcy a few months ago the bankruptcy was removed and Experian did not remove the creditors reporting under the bankruptcy they changed both account statuses XXXX XXXX XXXX XXXX XXXX have always report under XXXXXX/XX/XXXX and Experian has always refused to remove any address that does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: IL

Complaint narrative:
As of today XX/XX/2022 I have reached out to XXXX finance. I was reaching out because I have been late on paying my vehicle and I wanted to get out of the loan because it seems as if the loan is not going down and I am experiencing loss due to the pandemic as well as other bills piling up. I had reached out to them to let them know what could I do in the mean time until I sold my car, which I had planned to do the following Monday, so that way I wouldn't be to delinquent. I asked the company if my vehicle had entered into repossession status. They had informed me that it had not. So I said okay Ill be okay for the weekend until I figure out what I am doing. Mind you they have all these calls recorded as I started doing after running my credit to get another loan and finding out they had reported a repossession status after telling me they had not. I have the calls recorded with their knowledge, after I had asked AGAIN if they had in repossession after speaking with the dealer they told me they did not and they never did. I am appalled with how they have handled this matter. I am close to losing my mind. They have reported late payments instead of deferments, they have charged crazy late fees, and they refused to provide me proof of the fact that my vehicle was not in repossession status. I have all recorded phone calls. I would like for XXXX to be done. They are leeches. I have had this loan for more than 3 years and owe more than what I originally financed. It makes absolutely no sense whatsoever.

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 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CARD Corporation
State: OH

Complaint narrative:
Account was opened by fraud. 
I got the new debit card from card.com in my mail on XXXX XX/XX/2022. 
Debit card was issued in collaboration with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
On XX/XX/2021 Midland Credit Management sent me a letter stating that I owed {$110.00}. 

I believe that this amount is incorrect. I believe that I owe under {$100.00}. I sent a previous complaint to CFPB about XXXX XXXX, ID # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: AZ

Complaint narrative:
I already filed an FTC report with the credit reporting agencies and XXXX XXXX agreed and removed this account on or about XXXX of 2021. This account was mistakenly sold to XXXX XXXX and they are ILLEGALLY REPORTING IT as of XX/XX/2021 opened date. This is not true and a major violation of reporting laws.I expect this to be removed 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 non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have unpaid Bills and A judgement that has nothing to do with me I have court papers saying I couldnt even go near XXXX XXXX XXXX XXXX XXXX IL. And bills are in my name there and a judgement was sumbmitted. On or About XX/XX/2019 and I have court papers saying I couldnt come there Me and my aunt have the same first and last name different middle Initals. I moved and never had an eviction I wasnt even the lease holder

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have unpaid Bills and A judgement that has nothing to do with me I have court papers saying I couldnt even go near XXXX XXXX XXXX XXXX XXXX IL. And bills are in my name there and a judgement was sumbmitted. On or About XX/XX/2019 and I have court papers saying I couldnt come there Me and my aunt have the same first and last name different middle Initals. I moved and never had an eviction I wasnt even the lease holder

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 2022-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: OR

Complaint narrative:
MRS BPO , LLC on XX/XX/2021 mailed me a letter stating that I owed {$460.00} for XXXX Bank. I recall making payments to XXXX Bank and I do not believe that I owe the amount requested. I would like the debt collector to review my account with XXXX Bank to look at all credited payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My son is XXXX with XXXX he had a XXXX and took a ride in an ambulance in XXXX Indiana he was XXXX  months old but he was covered with insurance I have his insurance Ive submitted it and was told Im responsible. But the hippa laws state it cant be on my credit report

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 2022-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I recently received a copy of my XXXX, XXXX and Transunion consumer report. I noticed some accounts being furnished on my consumer report without my consent as the CONSUMER!! 

XXXX XXXX XXXX ACCT # : XXXX This company is in clear violation of the LAW!. Pursuant to 15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave anyone written instructions to furnish this account on my consumer report!

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 2022-01-30 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: DC

Complaint narrative:
I recently received a copy of my Equifax, XXXX and XXXX consumer report. I noticed some accounts being furnished on my consumer report without my consent as the CONSUMER!! 

XXXX XXXX BANK ACCT # : XXXX This company is in clear violation of the LAW!. Pursuant to 15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave anyone written instructions to furnish this account on my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: DC

Complaint narrative:
I recently received a copy of my XXXX, Experian and XXXX consumer report. I noticed some accounts being furnished on my consumer report without my consent as the CONSUMER!! 

XXXX XXXX BANK ACCT # : XXXX This company is in clear violation of the LAW!. Pursuant to 15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave anyone written instructions to furnish this account on my consumer report!

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 2022-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS 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 2022-01-30 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-01-30 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: AL

Complaint narrative:
The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/XXXX and XX/XX/XXXX. The accounts are paid off and they are closed, resulting in an inaccurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: AL

Complaint narrative:
The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/XXXX and XX/XX/XXXX. The accounts are paid off and they are closed, resulting in an inaccurate credit report.

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 2022-01-30 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: AL

Complaint narrative:
The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/2020. The accounts are paid off and they are closed, resulting in an inaccurate credit report.

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 2022-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS 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 non-monetary relief
Consumer complaint received 2022-01-30 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: FL

Complaint narrative:
In XX/XX/2021 XXXX reported that i was over 30 days late. Then XXXX realized that it was unauthorized charges and credited all the charges back to my account but XXXX still reported it to my credit bureaus as me be over 30days past due.

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 2022-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
On XX/XX/2022 XXXX made a purchase from me on XXXX XXXX. Buyer used a fake email to represent Zelle ( XXXX ) sending me the money for order. Then sent email stating I needed to collect {$500.00} from buyer and refund it to make my Zelle account authorized for Marketplace transaction. Buyer sent email stating {$500.00} was pending and to refund {$500.00} and provide screenshot of of my {$500.00} refund. Money was never pending into my Zelle account and Zelle sent my {$500.00} to XXXX. Buyer got nasty with me once I called out his scam and I sent a request for my {$500.00}. I immediately called my bank, XXXX to report this. XXXX saw I sent {$500.00} in Zelle and didnt see any pending deposits for my account. He told me to call back next day to file dispute XXXX the {$500.00} showed as a posted Zelle deduction from my account. I also contacted Zelle, I was directed to deal with my bank. I called XXXX next day when the {$500.00} was posted as coming out of my account. Case opened at XXXX. Meanwhile I forwarded emails to Zelle customer service, they requested me to call them. I did, I explained what happened and was told unfortunately I need to file dispute with bank as I already did. I forwarded the fake zelle email to XXXX on XX/XX/2022, the zelle customer support was able to tell me the money I sent did go into a XXXX  XXXX XXXX account. 
On XX/XX/2022 XXXX denied my case and said this was an authorized Zelle transaction. 

I am out {$500.00} and no company is helping me. Zelle, XXXX XXXX XXXX or XXXX bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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:
In XX/XX/2021 XXXX reported that i was over 30 days late. Then XXXX realized that it was unauthorized charges and credited all the charges back to my account but XXXX still reported it to my credit bureaus as me be over XXXX past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: FL

Complaint narrative:
In XX/XX/2021 XXXX reported that i was over 30 days late. Then XXXX realized that it was unauthorized charges and credited all the charges back to my account but XXXX still reported it to my credit bureaus as me be over XXXX past due.

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 2022-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
Took a 7 month COVID forbearance with our previous company XXXX XXXX XXXX XXXX When we were ready we contacted the company to resolve the forbearance and were told we qualified for a veteran extension modification. XXXX XXXX started the process and sold our loan to The Money Source. The Money Source required us to undergo a 3 month payment trial period where we were to make payments on the first of every month for 3 months or risk rejection of the extension. After honoring our obligations The Money Source has continuously sent us misinformation. Including documents claiming we owed a lower mortgage than we actually did. Their reasoning was that letters arriving by mail are issued by an automated system and we were told we need to disregard mail and call in for information regularly. They have also promised through phone calls that our resolution is almost coming but they are pending a copy of our homes Title from XXXX XXXX XXXX XXXX They have caused us fear telling us that we must continue making trial payments on the first of every month until they finish obtaining the document from XXXX XXXX XXXX XXXX I spent hours and multiple calls on the phone with them this month where we were promised that the resolution was schedule XX/XX/XXXX for our new payment and for documents to be sent our way. How we XX/XX/XXXX we were sent another letter saying theyve delayed again due to not receiving the Title from XXXX XXXX XXXX XXXX I have emailed them the Title which they rejected. It feels they are purposely drawing out the process as well as sending mixed information to confuse us and cause us to miss a payment on the XXXX of the month in order to take our home and reject the resolution. We have now been in the resolution process longer than the actual forebearance. This process only allows me to make phone calls for payment as well and will not allow me online services which means they add more difficulty by making us have to set aside an hour for hold times and phone calls to process our payments.

Company response to consumer: Closed with explanation