vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX is fraudulently reporting a collection account for a credit card that has been negotiated and settled with Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Marcadis Singer PA
State: FL

Complaint narrative:
This dispute is concerning the dental supplier XXXX XXXX. I bought a used XXXX autoclave from their company in XXXX for my business. I paid a total of {$4200.00} for this serial number. Unbeknownst to me, I also was double billed for the same type of autoclave, an XXXX, under a different serial number and agreement # for a total of {$2100.00}. I did not find this out until a few weeks ago, in XX/XX/XXXX after consultation with my attorney. 
The reason I found out XXXX XXXX double billed me, is because XXXX XXXX has brought forth a legal complaint against me for the same agreement # that I already paid off a few years ago. I was just served papers for small claims court for {$6400.00}, which is almost the same amount that I paid off a few years ago. I called the billing department at XXXX XXXX, and the collections attorneys that are trying to sue me for this amount, that I already paid this off. They advised me that they know I paid off the previous amount, but that this new complaint is for something different. I advised them that it was not, and that it is the same agreement # as before. 
I would also like to note that it appears that XXXX XXXX backdated an invoice to XX/XX/XXXX with no serial number. It just states that I owe {$6400.00} for a large equipment rental fee for XXXX week. This also makes no sense, because I have never been billed by their company nor sent any invoices for this. I never signed any contracts or rented or bought any large equipment from them since XXXX. In other words, they are waiting until XXXX to bill me for an erroneous rental XXXX  years ago because the statute of limitations is running out, and they never properly recorded me paying for the equipment before. 
I did consult with an attorney concerning this matter, and they are the ones who found out that I was double billed for the equipment, and that they waited 4 years to produce an erroneous invoice because the statute of limitations is running out. 
This lawsuit has caused me to lose work time and has cost me lawyers fees. I have also been served legal papers, been double-billed, and have had to deal with illegal backdating of invoices all for a large company to make money from a small business owner. 
I would like to get the amount back that I was over-billed plus interest, and my attorneys fees paid. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: PA

Complaint narrative:
Dear CFPB, I have sent several letters to the agencies regarding inaccurate information in my credit file. The bureaus claim the account is verified. The inaccurate information remains in my credit file and has impacted my file negatively. Now I would like to file my CFPB complaint formally. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance to FCRA, Section 611 A through D, They are supposed to let me know who they verified with. I asked them to delete anything that is not XXXX percent accurate. I have a lot of inconsistencies between the XXXX bureaus, below I have listed them out for you. 

XXXX Account Name : XXXX XXXX  Account Number:XXXX Errors Found -open Date is not uniform with all XXXX bureaus -Last reporting date is not uniform with all XXXXbureaus -last active is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus EQUIFAX Account Name : Sunfed Account Number:XXXX  Errors Found : -open Date is not uniform with all XXXX bureaus -Last reporting date is not uniform with all XXXX bureaus -Last active is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus XXXX XXXX Name : XXXX XXXX  XXXX Number XXXX Error found : XXXX Date is not XXXX XXXX all XXXX bureaus -last reporting date is not uniform with all XXXX bureaus -last active date is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms, is an admission of guilt and a direct violation of my rights of a fair investigation. I am not sure how They can state it was verified. How is it possible that XXXX, Equifax, and XXXX all verified the accounts above as accurate coming from XXXX source, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section XXXX due to the inconsistencies coming after my original request of investigation. 

At this point, I demand this account to be deleted immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report to the address below after they have completed the deletions Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: PA

Complaint narrative:
Dear CFPB, I have sent several letters to the agencies regarding inaccurate information in my credit file. The bureaus claim the account is verified. The inaccurate information remains in my credit file and has impacted my file negatively. Now I would like to file my CFPB complaint formally. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance to FCRA, Section 611 A through D, They are supposed to let me know who they verified with. I asked them to delete anything that is not XXXX percent accurate. I have a lot of inconsistencies between the XXXX bureaus, below I have listed them out for you. 

XXXX Account Name : Sun Fed Account Number:XXXX Errors Found -open Date is not uniform with all XXXX bureaus -Last reporting date is not uniform with all XXXXbureaus -last active is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus XXXX Account Name : XXXX  Account Number:XXXX Errors Found : -open Date is not uniform with all XXXX bureaus -Last reporting date is not uniform with all XXXX bureaus -Last active is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus EXPERIAN Acc Name : XXXX XXXX Acc Number XXXX Error found : -open Date is not uniform with all XXXX bureaus -last reporting date is not uniform with all XXXX bureaus -last active date is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms, is an admission of guilt and a direct violation of my rights of a fair investigation. I am not sure how They can state it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate coming from XXXX source, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. 

At this point, I demand this account to be deleted immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report to the address below after they have completed the deletions Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you for your time,

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 2022-09-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXn i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Lakeview Mortgage and their subservicer XXXX XXXX do not provide an amortization schedule through their web portal. This prevents paperless customers from monitoring the progress of their loan and scheduling additional principle payments.

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