vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been an XXXX XXXX, Acct # XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX  greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a one 30 day late payment on the above referenced accounts that date back to XXXX. Since that time I have been an exceptional customer paying early every month and have been rewarded by XXXX XXXX with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payment from my credit report. At the time of that late payment, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX  is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX   XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: GA

Complaint narrative:
I have been an XXXX XXXX Acct # XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a one 30 day late payment on the above referenced accounts that date back to XXXX. Since that time I have been an exceptional customer paying early every month and have been rewarded by XXXX XXXX with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payment from my credit report. At the time of that late payment, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX   XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply.

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 2020-08-10 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: TN

Complaint narrative:
I report identity theft to the credit breau and somehow they saying they not receiving my FTC report and I sent it to them multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: SC

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within TransUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2015, I signed a contract with XXXXXXXX XXXX  for XXXX XXXX XXXX  services. The full amount due was pre- paid by Comedity bank. Hence, the XXXX XXXX XXXX  XXXX representative Mrs. XXXX XXXX had me signed an agreement Shedule B Fee which stated total pricing amount for services for {$4700.00}. The ach payments was set up by XXXX XXXX  as soon as i signed the contract and funds were drafted from my checking account to account ending in XXXX. I have paid amount in full and have proof from my bank statement. Comedity sold by loan to a XXXX XXXX XXXX XXXX. Even though i have sent support of proof of payment, XXXX XXXX  is still trying to collect paid debt. Need your help as my credit has been effected by this unsettled matter. Please see provided support from my bank and XXXX XXXX letter after last payment was settled. I will provide support of contract if need, so you may see  the terms. Thank you so much. I will provide copy of initial agreed contract terms if needed. 

Thanks XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiries below met this requirement, pursuant to the Act.Otherwise, rescind the errant notation immediately. 

XXXX State Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Oil Companies XXXX Inquiry from XX/XX/XXXX XXXX XXXX Cards/XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX XXXX XXXX-sales Inquiry from XX/XX/XXXX Oil Companies XXXX-sales Inquiry from XX/XX/XXXX Oil Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Bank

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 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: States Recovery Systems, Inc.
State: TX

Complaint narrative:
While living in XXXX, XXXX I received electric service from XXXX ( XXXX XXXX XXXX XXXX  ). On XX/XX/XXXX I requested service be disconnected immediately because I was moving that day to XXXX, XXXX ( outside their service territory ). On XXXX, I received an email from XXXX confirming my move-out request and then did not hear from them again -- no email, no snail mail. 

I never received a final bill. Then, in XX/XX/XXXX, I notice on my credit report that there is a collection for {$330.00} from States Recovery Systems representing XXXX. I spoke with several reps at XXXX and they refused to recind the collection or accept a payment directly. On XX/XX/XXXX I paid the amount in full to States Recovery Systems. 

In XX/XX/XXXX, I disputed the collection with XXXX and XXXX. The collection was marked " paid '' but was not removed as I requested. Since I never received a bill for this, I expected it to be deleted from my credit report but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-10 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX {$900.00} DEPTOFEDUCATIONXXXX XXXX {$3400.00} DEPTOFEDUCATONXXXX  XXXX {$3400.00} DEPTOFEDUCATIONXXXX  XXXX {$17000.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTEDXXXX  XXXX {$3700.00} DEPTOFEDUCATIONXXXX  XXXX {$6000.00} XXXX XXXX {$940.00} XXXX  XXXX {$970.00} XXXX XXXXXXXX {$940.00} XXXX XXXX {$4000.00} XXXX XXXX {$480.00} CHAPTER XXXX BANKRUPTCYB DISCHARGED XXXX {$0.00} DEPT OF EDUCATION XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX   XXXX {$7100.00} DEPT OF EDUCATION XXXX XXXX {$4700.00} DEPTEDXXXX   XXXX {$8500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX {$900.00} DEPTOFEDUCATIONXXXX  XXXX {$3400.00} DEPTOFEDUCATONXXXX XXXX {$3400.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00} DEPTOFEDUCATIONXXXX XXXX {$6000.00} XXXX XXXX {$940.00} XXXX XXXX {$970.00} XXXX XXXX {$940.00} XXXX XXXX {$4000.00} XXXX XXXX {$480.00} CHAPTER XXXX BANKRUPTCYB DISCHARGED XXXX {$0.00} DEPT OF EDUCATION XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX   XXXX {$7100.00} DEPT OF EDUCATION XXXX XXXX {$4700.00} DEPTEDXXXX   XXXX {$8500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
1. Midland Bank XXXX Not mine Date reported XX/XX/2020 2. XXXX XXXX Balance should be XXXX. XX/XX/2020 3. XXXX  XXXX XXXX XXXX Balance should be XXXX XX/XX/2020 4.  XXXX account closed no late payments XX/XX/2020 5. XXXX XXXX  XXXX not mine please remove XX/XX/2020 6. Chapter XXXX bankruptcy XXXX XX/XX/2020 account is not mine. Why was this put into my account remove Bankruptcy from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
1. XXXX XXXX XXXX Not mine Date reported XX/XX/2020 2. XXXX XXXX Balance should be XXXX. XX/XX/2020 XXXX. Bank XXXX XXXX XXXX Balance should be XXXX XX/XX/2020 4.  SYNCP/JCP account closed no late payments XX/XX/2020 5. XXXX XXXX  XXXX not mine please remove XX/XX/2020 6. Chapter XXXX bankruptcy XXXX XX/XX/2020 account is not mine. Why was this put into my account remove Bankruptcy from my 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 2020-08-10 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have been trying to get my credit report updated for MONTHS. I have made several calls to Navient, XXXX, I have emailed, I have snail mailed and filed several claim disputes. 

When you look at my credit report from XXXX, it is NOT showing the correct amount of my loan that has been paid off. I contacted Navient about 8 times now asking them to please send XXXX  the correct amount of my loans that have been paid. After contacting the XXXX XXXX XXXXXXXX I was put in contact with XXXX XXXX of Navient who after 2 months has not corrected the information. 

I am attached my latest email where I contacted by Navient AND XXXX at the same time showing in plain XXXX and visually exactly what is incorrect. XXXX XXXX XXXX membership department told me to contact customer service. When I called before Customer Service told me to contact the dispute department who told me to contact the Membership Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: OPEN MORTGAGE LLC
State: TX

Complaint narrative:
In XX/XX/2019 my sister, XXXX, started thinking about a Reverse Mortgage on her house that was paid off. 
From a friends referral, she had contacted a mortgage agent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NMLS # XXXX XXXX had contacted Ms. XXXX and made and appointment to meet. 
During the meeting, XXXX had stated to Ms. XXXX what she needed and MsXXXX XXXX said there would be no problem and it would be an easy process. XXXX is distraught from a close family members death and can not think straight. She does not understand business. Ms. XXXX should have noticed XXXX behavior and ceased the transaction without taking advantage of an elderly in this condition. Unfortunately, she proceeded to let XXXX know the procedure. XXXX was overwhelmed and told MsXXXX XXXX several times that she didnt understand. Ms. XXXX told XXXX it was easy. XXXX signs documents and thats about all. 
Ms. XXXX had the documents ready for XXXX to sign. Ms. XXXX sat with XXXX and kept turning documents over for XXXX signature. When XXXX had asked what one document meant, Ms. XXXX stated it doesnt matter. XXXX continued to sign without understanding. 
Now, because of Ms. XXXX actions, XXXX is in a Reverse Mortgage that she doesnt understand. She received {$5.00}, XXXX and was told that would be all the monies XXXX was to receive. She is also paying {$8200.00} and in an Adjustable Rate Mortgage that she did not understand. 
I went through the documents with XXXX, after I found out what she did, and asked her if she understood them. She said no. She said she felt bad after she signed and wished it hadnt have happened. I pulled out the three day right to recession and asked if she knew she had three days to cancel. She stated she had no idea what that was or she would have cancelled. 
I believe Ms. XXXX unprofessionally coerced XXXX into a situation that she was not capable of handling. 
Ms. XXXX 's profile page states : " Helping seniors understand and evaluate Reverse Mortgage products for a more secure retirement, can be both challenging and rewarding. But finding the right program may bring a wealth of opportunity and financial independence that might otherwise be impossible. '' Of which she did neither for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: VA

Complaint narrative:
I have already tried to resolve this issue with the companies. I am trying to get this matter resolved.

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following accounts are fraud accounts that were opened without my knowledge or consent : 1. XXXX  XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account XXXX I attach an FTC identity fraud affidavit, please investigate and delete these fraud accounts.

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts are fraud accounts that were opened without my knowledge or consent : 1. XXXX  XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account XXXX I attach an FTC identity fraud affidavit, please investigate and delete these fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed on my credit report I had a debt collection from Portfolio Recovery in the amount of {$480.00}. I mailed a debt validation letter on XX/XX/XXXX and the company received my letter on XX/XX/XXXX. The company mailed out a response letter on XX/XX/XXXX that did not contain any validation of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: CO

Complaint narrative:
SETF payment failed in XXXX. Due to my my husband during on XX/XX/XXXX and a cluster of other bills I have been struggling financially. Then Covid happened. I asked Toyota for relief and the did give me 2 months but apparently there was a XXXX payment that said was XX/XX/XXXX payment that did not go through and failed. I have told them my husband died and I adopted my granddaughter due to her mother XXXX due to a car accident. But they said no and turned me into the credit bureau.i have made good on my payments and trying to rebuild my credit. I am XXXX XXXX  and trying very hard to rebuild my life and credit without bankruptcy. I am asking for help. 
My granddaughter I adopted mother was was in the XXXX XXXX but was hit by a drunk driver in XX/XX/XXXX. She was XXXX  and died in XX/XX/XXXX. After my husband died I adopted my granddaughter. I am not looking for a hand out but a hand up!! Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
XXXX closed my account and took position of my money when I contacted them the local branch had no idea why it was closed or where my money was. They said they would look into it and call me right back. 
After 2 days I had to call back but they could not tell me where my funds where. And after talking to them I realized that had informed them on XXXX different occasions but they never changed my address. The manager said he would contact the main office and find out where and when I will receive my funds. I have now waited a week and I have not heard from them. 
The bank is XXXX XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXXXXXX 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 {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation