vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a hard inquiry from a company I dont even have an account for and I dont remember applying for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 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: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX  # XXXX Collection I have never done business with this company please remove this from my credit report. 

XXXX XXXX # XXXX Collection I have never done business with this company please remove this from my credit report. 

XXXX # XXXX - Collection This is not my account, I have no knowledge of this account please remove it from my credit report. 

WSTLAKESVC # XXXX Collection This is not my account, please remove this from my credit report. 

XXXX XXXX # XXXX - Collection I have never done business with this company please remove this from my credit report. 

XXXX  # XXXX Derogatory This is not my account, I have no knowledge of this account please remove it from my credit report. 

XXXX XXXX # XXXX - closed This is not my account, I have no knowledge of this account please remove it from 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 explanation
Consumer complaint received 2021-04-28 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: CA

Complaint narrative:
I have made several attempts to have my account with XXXX XXXX, which is 6 years old reflect as closed with both XXXX and with the reporting agencies to no avail I was not able to do so and was told by XXXX that they can not /will not send any documentation reflecting the status of the account. Then as recent as XX/XX/2020, two years after it was last reported to the credit agencies, it was again as a negative. It would greatly appreciated if you can please review my issue to see if you can help resolve.

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 2021-04-28 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
XXXX XXXX of XXXX, I settled two accounts with HSBC Bank XXXX However, they still show up on my XXXX credit report as " Charge Off ''. 

***On XXXX XX/XX/XXXX, I filed two disputes with XXXX  XXXX and I received word on XXXX XX/XX/XXXX that both investigations had concluded. For each case, XXXX reported that HSBC confirmed that the reporting was already accurate. 

***After several conversations with XXXX representatives, I contacted HSBC . A person called " XXXX '' in their Recovery Department, verbally told me that the reporting had formerly been inaccurate, but that they had sent a correction to HSBC on XXXX XX/XX/XXXX. He offered to send me letters explaining the change. 

***On XXXX XX/XX/XXXX, I received two letters dated XX/XX/XXXX from HSBC . Each stated that my " credit bureau report will be updated to reflect the following 'Charge-off : Settled for less than the Full Balance '. '' ***My XXXX credit report continues to list the accounts simply as charge-offs. 

***I contacted both HSBC and XXXX again after receiving the letters. 

***HSBC representatives told me that they had sent further information to XXXX on XXXX XX/XX/XXXX ( after the closing of both disputes ), but were unable to tell me what information had been sent. 

***XXXX  representatives told me that they could tell me the updated information for a fee. However, when I explained that I was already viewing my free consumer credit report from today 's ( XXXX XX/XX/XXXX ) date, the representative told me that any information she gave me would be exactly the same as what was reflected there. 

***As it is my understanding that accounts listed as " charge-offs '' are considered to still be owed, I want my report updated to reflect that both accounts have been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Last year I called the debt collector and we settled on {$150.00}, which all payments was made. I look into my report and noticed they reopened it again for {$500.00}. This is an act of fraud, they determine to destroy my credit even when payments was made, I will be attaching a screenshot report I had 2020 show the amount of {$150.00}, also will be showing another screenshot of {$500.00} showing opened. 
Don't understand how we can reach a settlement and months after another money is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: DE

Complaint narrative:
I have tried to contact Experian credit agency to fix a reporting error, however My attempts by mail has come back wrong address, which is the only address listed. The item in question has been paid within the first 90 days. I believe this is Economic Sabotage. A practice that has gone in checked for generations. Please help thank you. XXXX 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 2021-04-28 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I dont recognize these inquiries.

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 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have had several accounts opened in my name. The account consist of bank accounts and credit cards that I did not apply for. I need assistance with these issues. 
Citibank Debit card XXXX XXXX card

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 2021-04-28 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: NC

Complaint narrative:
I found a few accounts that have been illegally re-aged on my credit file XXXX XXXX XXXX # XXXX this account is from 2012 and was listed as XXXX NOT to mention that this was PAID before it was even in collections. Not sure who is keeping records at XXXX but this a causing a serious issue while I am in the middle of closing on my business loan.

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 2021-04-28 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:
Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently sent a dispute letter to TransUnion, XXXX and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I dont recognize these inquiries.

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 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
On Saturday, XX/XX/XXXX, Mr. Cooper made an UNAUTHORIZED mortgage withdrawal from my XXXX checking account. I have automatic payments set up, for as long as I have had my mortgage the payments are fully funded. This is one ADDITIONAL mortgage payment, after my regular XXXX monthly payment was processed. 

I spent HOURS on the phone trying to get a hold of Mr. Cooper and XXXX, and finally ended up speaking to my local bank branch. I don't understand how a company can make an ADDITIONAL mortgage withdrawal which was NOT AUTHORIZED from my account. There was an automated email that went out from the company. I have tried to contact them via the email provided and I am getting XXXX delivery error messages that it can not be delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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:
Hi. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.

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 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
One day before their XXXX went live on the stock market Coin base logged me out of my account and claimed my credentials didnt work any. They claimed my number I file was incorrect ... untrue! 

So they XXXX  me around a couple weeks and I did everything they asked of me ... .then they stopped communicating with me. I filed a complaint and then one with XXXX  ... still totally in the dark ... I have {$500.00} worth of assets!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
LexisNexis is violating my right to Privacy as a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative on all accounts created by my seal/signature, FCRA and FDCP statutes by violating my right to privacy. I am NOT opting out of this company because I have never contacted them, never signed any contract with them. 15USC. Code 1681 - Congressional findings ( a ) Accuracy and fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1692 b Communication with third parties. 
( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, TITLE 1.81.5. California Consumer Privacy Act of 2018 1798.100 - 1798.199.100 ( b ) A business that collects a consumers personal information shall, at or before the point of collection, inform consumers as to the categories of personal information to be collected and the purposes for which the categories

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CA

Complaint narrative:
XXXX XXXX appears on my Experian report. I disputed and also sent a certified letter to the XXXX XXXX address online for validation and verification of this debt that I have no knowledge of. I requested the following from XXXX XXXX and did not receive any of the documents. 

1 ) Why the collector thinks you owe the debt : Ask who the original creditor is and request documentation that verifies you owe the debt, such as a copy of the original contract. 

2 ) The amount and age of the debt : Ask for a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. 

3 ) Authority to collect the debt : Ask whether this agency is licensed to collect debt in your state.

When disputed online with Experian, they said XXXX XXXX  validated debt, but where is this documentation? I have seen nothing.

I want this removed from my credit history, which is in the 700s.

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 2021-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
well, I'm a XXXX XXXX so i missed almost the whole year, loan care said i was approved for modification and haven't heard from them. I am in a bankruptcy with them and they told they will will approved. i heard nothing from them after getting the call like 3 months ago. here is my loan care account number XXXX. The address is XXXX XXXX XXXX XXXX. XXXX XXXX AZ XXXX i can be reached at XXXX my name is XXXX 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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION FAILED TO CORRECT A DISPUTE

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 2021-04-28 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I filed a dispute with XXXX, XXXX, and XXXX  for Portfolio Recovery Acct # XXXX ( Docket no XXXX ). My dispute was Portfolio Recovery is reporting a " higher amount '' for the original charged off amount and the amount currently owed. Portfolio is " rounding '' the amounts to the next dollar. This is not an accurate reporting of what is actually owed. Portfolio " verified as accurate '' and only " updated '' the " date of balance '' for the disputes and sent me multiple duplicate correspondence letters ( ref # XXXX, ref # XXXX & ref # XXXX ) which show I was correct about the exact money amount that should be reporting. ( documents uploaded ). The original sold amount was {$500.00} not {$500.00} as being reported to the Credit Reporting Agencies. They also sent a balance owed correspondence showing {$500.00}, not {$510.00} as being reported to the Credit Reporting Agencies. ( documents uploaded ). The dispute should have changed the " amounts '' instead of being " verified as accurate ''. The credit reporting agencies noted a remark saying " item disputed. Consumer disagrees. Meets FCRA requirements. '' Verifying an 'inaccurate " amount does NOT meet FCRA requirements. 
Upon further investigation of this account, I found correspondence from the Trial Court of Massachusetts, ( documents uploaded ) where the Attorney for Portfolio Recovery entered a ACKNOWLEDGEMENT OF SATISFACTION OF JUDGEMENT for this account on XX/XX/XXXX. They notated this account was FULLY SATISFIED. This means the account has actually been misreporting to the Credit Reporting Agencies and should have reflected a {$0.00} balance since XX/XX/XXXX. I filed another dispute for this account, with the 3 CRA 'S on XX/XX/XXXX to upload the additional information from the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TRANSUNION FAILED TO INVESTIGATE MY DISPUTE

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 2021-04-28 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: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX NATIONAL CREDIT ADJUST XXXX ... XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CO

Complaint narrative:
Received notice that a collection was added to my credit files. Per collection, payday loan was made in XXXX online. NOT accurate. I have been fighting ID theft for some time now ( See attached ). Ad Astra claims {$4100.00} is 180 days late from a Speedy Cash online loan ( how can it be {$4100.00} when their limit is {$500.00} ). I did NOT make such a loan request. Originally was told I was XXXX XXXX. Have now learned it was Speedy Cash.

Company response to consumer: Closed with explanation