vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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: TX

Complaint narrative:
On XX/XX/XXXX, I discovered that XXXX XXXX XXXXXXXX XXXX, reported to XXXX ( we believe to all three bureaus ) had only reported 27 payments. The payment history is 9 years. XXXX XXXX, incorrectly reported that the Mortgage was included in a now completed Bankruptcy, thus, damaging my Credit History. XXXX XXXX was DIRECTLY ORDERED, by the Bankruptcy Judge to not show that its account was " included '' in the Bankruptcy, thereby allowing me to make parallel payments, establishing a payment history. My Case was filed in the U.S. Bankruptcy Court, XXXX XXXX  of Missouri, XXXX, Missouri, in XXXX. The act is intentional and violated the FCRA and the Court 's direct order. This was done in retaliation for my being successful in my motion. I believe that I am entitled to relief, for each Bureau, minimum of {$1000.00} per violation and because their action is punitive, we ask that CFPB levy a substantial fine against 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 2021-03-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I discovered that XXXX XXXX XXXX Mortgage, reported to Equifax ( we believe to all three bureaus ) had only reported 27 payments. The payment history is 9 years. XXXX XXXX, incorrectly reported that the Mortgage was included in a now completed Bankruptcy, thus, damaging my Credit History. XXXX XXXX was DIRECTLY ORDERED, by the Bankruptcy Judge to not show that its account was " included '' in the Bankruptcy, thereby allowing me to make parallel payments, establishing a payment history. My Case was filed in the U.S. Bankruptcy Court, XXXX XXXX XXXX Missouri, XXXX, Missouri, in XXXX. The act is intentional and violated the FCRA and the Court 's direct order. This was done in retaliation for my being successful in my motion. I believe that I am entitled to relief, for each Bureau, minimum of {$1000.00} per violation and because their action is punitive, we ask that CFPB levy a substantial fine against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: TX

Complaint narrative:
On XX/XX/XXXX, I discovered that XXXX XXXX XXXXXXXX XXXX, reported to XXXX ( we believe to all three bureaus ) had only reported 27 payments. The payment history is 9 years. XXXX XXXX, incorrectly reported that the Mortgage was included in a now completed Bankruptcy, thus, damaging my Credit History. XXXX XXXX was DIRECTLY ORDERED, by the Bankruptcy Judge to not show that its account was " included '' in the Bankruptcy, thereby allowing me to make parallel payments, establishing a payment history. My Case was filed in the U.S. Bankruptcy Court, XXXX XXXX XXXX Missouri, XXXX, Missouri, in XXXX. The act is intentional and violated the FCRA and the Court 's direct order. This was done in retaliation for my being successful in my motion. I believe that I am entitled to relief, for each Bureau, minimum of {$1000.00} per violation and because their action is punitive, we ask that CFPB levy a substantial fine against 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 non-monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 I tried to pay my Capital One secured credit card using the app. I have tried to make my payments be auto paid but for whatever reason the payment keeps getting returned. On the XXXX they pulled the money out of my checking account but Ive tried to keep my payments to come out of my debit card. When they tried taking the money my bank returned it for insufficient funds but I had money in there so idk how that happened. Fast forward to me realizing the issue. I fixed it by paying with my debit card. Then they closed my account after taking my money. I have called to speak to someone but I just get a run around. They also closed my savings account and Im just confused as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I am in active bankruptcy but my home is not included in that because it is an investment. I contacted specialized loan servicing in XXXX about doing a deed in leu but they said that I could not because I was in active bankruptcy. At that time I did not have a tenant and asked could my home be taken due to me not paying and they said no because i was in active bankruptcy. I explained to them that the home was not in the active bankruptcy and they stated it did not matter. I received notice on XX/XX/XXXX from attorney about foreclosure on XX/XX/XXXX. I contacted specialized loan servicing and they said that I could not do anything to stop the foreclosure. I sent in modification documents and they are saying that I had to do that 45 days prior to sale date. Well I did not know anything about a sale date. No one there is trying to help 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 2021-03-12 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: ID Analytics, Inc.
State: TX

Complaint narrative:
A company called, Sage Stream, ( who I have never heard of before as they are not one of the major reporting credit bureaus ) sent me letter ( failing to put the proper address on it ) claiming I requested a security freeze on my consumer file.

How can I request anything for a company that I never heard of before today? Why would I provide proof of address to a company that I have never heard of before and I have not had my credit pulled in almost 2 months.

They send this 12 page letter with no substance, no report, just asking me to send them my personal information and I dont know who they are. Not doing it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
2 problems with Specialized Loan Services ( SLS ) 1. SLS does not post additional principal payments on current statements. Additional principal payments are posted on the following month 's statement although the additional payment was included with regular payment. They post the regular payment but delay posting additional principal payments on the same statement. Additional payments are made to reduce interest amounts immediately not 30 days later. 

2. XX/XX/XXXX payment of {$6100.00} was incorrectly posted by SLS and they refuse to reflect it correctly on my account. The payment included XXXX regular payment and XXXX additional principal payment. Due to their posting error the transaction is showing as XXXX although they said they applied the payment. I have no evidence of when the payments was applied and if they are still calculating interest on the additional principal payment. 

Communication : XX/XX/XXXX - made payment on my account via bill pay. SLS did not post until Monday XXXX and that point I realized the errors. 

XX/XX/XXXX - sent message using SLS internal messaging system - see attached. 

XX/XX/XXXX - sent another message using SLS internal messaging system because they fixed their error to benefit themselves but did not fix the payment posts on my account - see attached. 

XX/XX/XXXX - called customer service and representative powerless to help me. I asked for supervisor and she said a supervisor will call me in 24 hours. 

XX/XX/XXXX - supervisor called me during work hours and did not leave a direct extension I could use to call her back. 

XX/XX/XXXX - I attempted to call SLS hoping to get someone who could fix my problem but after pressing all the buttons on their automated system I was told that they closed at XXXX MT although it was only XXXX MT. Thinking the automated system made an error I called back again and received the same message. 

See attached 6 page documents of screen prints and notes for clarity.

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 2021-03-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I started disputing an invalid late payment and paid charge-off on XX/XX/XXXX however, the bureaus never responded to me or advised that they would be starting their investigation with the creditors. I then disputed again on XX/XX/XXXX and XX/XX/XXXX. I am now submitting, today, XX/XX/XXXX my FOURTH dispute where I STILL have not received a response or ANYTHING from any of the bureaus!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX and Transunion should not be reporting each Inquiry showing on my credit report for Auto Financing as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-03-12 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: TX

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting each Inquiry showing on my credit report for Auto Financing as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-03-12 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: MD

Complaint narrative:
Hi, i have numerous inquiries account that are unauthorized and need to be removed from my credit report from the major credit bureaus immediately. I tried to consult this with the original creditors with customer service, but nothing change. I tried to dispute inquires with all three major credit bureaus ( Experian, XXXX and XXXX ) nothing has changed. I am now taking extra measures with FTC and CFPB. 

I recently check my credit report and all unauthorized inquires are still there. Please remove the following inquires : Experian : ( XXXX XXXX OF : Inquired on XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX : Inquired on XXXX XXXX, XXXX. 
XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX : Inquired on XX/XX/XXXX ). 



XXXX XXXX ( XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX  : Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XXXX  XXXX, XXXX ). 


XXXX  : ( XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I applied for an apartment but then withdrew my application. My credit was run without my authorization and now National Credit System is trying to collect from me. The debt was never validated and I never received any notice about the debt. The debt is now listed on my credit report with the bureaus. I want the debt removed, as there was no authorization to run my credit or incur charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: CA

Complaint narrative:
Customer Service Representative would not help take care of negative inquiries on my credit report. 

XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: FL

Complaint narrative:
I have sent over my bank statements via fax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX reflecting the amount ( {$200.00} ) that is not showing on the account. I have called Called on XX/XX/XXXX was advised that its no problem and to fax to XXXX attn XXXX XXXX but just subtract that amount and they will update the account and make a payment. 
Called on XX/XX/XXXX XXXX XXXX and explained that the amount wasnt correct and that its missing {$200.00} I was then advised to send over a fax with a bank statement ( fax sent ) Called on XX/XX/XXXX XXXX XXXX and explained was advised that my account is not credited and then was advised that to wait 10 business days. 
XXXX-Rcvd correspondence stating that the amount is correct. 
( do not have date believe on or before XX/XX/XXXX ) Called again and asked for fax number to send over bank statement along with online statement. 
Called on XX/XX/XXXX XXXX XXXX and was advised they recvd my fax and that they are looking into it and to follow up in 10 business days Called XX/XX/XXXX XXXX XXXX and they are not showing a fax and repeated tried to get me to pay the amount of XXXX. I explained again that this amount is not correct and I have sent over my bank statement I am not making another payment until this account is update. I was then hung up on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: CO

Complaint narrative:
XXXX XXXX and Transunion should not be reporting that I am ( 120-180 ) days late on the Conventional Real Estate Mortgage XXXX partial account number XXXX. The late payments reporting were deferred via the CARES Act. I had arrangements with XXXX  and these lates that are reporting are false and seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. Please remove and/or update my credit report to reflect accurate and current information. I have contacted the bureaus as well to fix this however, I have not been successful.

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 2021-03-12 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: CO

Complaint narrative:
XXXX Experian and XXXX should not be reporting that I am ( 120-180 ) days late on the Conventional Real Estate Mortgage XXXX partial account number XXXX. The late payments reporting were deferred via the CARES Act. I had arrangements with XXXX and these lates that are reporting are false and seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. Please remove and/or update my credit report to reflect accurate and current information. I have contacted the bureaus as well to fix this however, I have not been successful.

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 2021-03-12 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: CO

Complaint narrative:
Equifax, XXXX  and XXXX should not be reporting that I am ( 120-180 ) days late on the Conventional Real Estate Mortgage XXXX  partial account number XXXX. The late payments reporting were deferred via the CARES Act. I had arrangements with XXXX and these lates that are reporting are false and seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. Please remove and/or update my credit report to reflect accurate and current information. I have contacted the bureaus as well to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXXXXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed 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 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2016, my wallet was stolen. Previously I have lost my Police Report but now it found. My cards were listed as stolen when your company bought my debt. I have already paid you most of the debt and I want to resolve the issue without a trial. I do not intend to make payments anymore, and if you do not cease collecting the debt, I will go to court, with the involvement of the bank, who did not send me a new card in return for the stolen XXXX, did not close my account and sold the debt on the stolen card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
Starting in XXXX, I reviewed my credit report and noticed Mariner Finance reporting inaccurate information. I have sent a letter to them on the dates of XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. By law, Credit Reporting Agencies and Creditors are to respond within 30 days. I havent received any feedback pertaining to Mariner finance. This is a serious matter due to the fact that the inaccurate reporting is hindering my financial journey.

Company response to consumer: Closed with explanation