vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Santander bank keeps reporting to the credit bureau that I am late with my monthly payment. I reported Santander bank to the credit bureau two different times. Santander fixed it both times, but I never was made whole because the points I received after fixing their mistake were far less than what was taken from me. Santander bank recently reported a third time that I am late with my payment. My credit score in the past was in the XXXX range and I worked very hard to get my score above XXXX only to have Santander bank report falsely that I have been late three separate times. XX/XX/XXXX is the first time they falsely reported that I was late and my score dropped XXXX points. XX/XX/XXXX is the second time they falsely reported that I was late and my score dropped XXXX points. XX/XX/XXXX is their latest mistake and they falsely reported that I was late and my score dropped XXXX points. Please make them stop.

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 2021-04-09 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: VA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EQUITY LOANS LLC
State: MD

Complaint narrative:
Settlement date XX/XX/2020 agreed FHA Payment XXXX After about 4 months living at my home. 
Now company EPM is saying I owe escrow XXXX All of my payments have been on time. 
A XXXX City Tax issue/ closing issue EPM over paid Taxes and wants me to pay it back in my Escrow I have been going back an forth with EPM for the past 8 months and Im not getting any where. I am a single mother with XXXX children and I should not be obligated to pay any kind of money back for someone elses mistake. XXXX City Tax Authority needs to reimburse EPM their money. I need help this has become very stressful. I would like to try to resolve before hiring a real estate attorney. 
If someone can please help me, I would really appreciate it. 
Thank you!

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 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  is saying that I owe on a loan that I never took out this loan was opened when I was overseas on a missionary trip for over a year I never signed or opened a loan at XXXX XXXX XXXX XXXX can not produce a paper showing my signature I have asked for it numerous times I am in the process of getting a lawyer and a lie detector test to prove that this is not my loan I will be taking XXXX XXXX to court and Sue them for my lawyer fees and my light detector test XXXX XXXX has not believe me I have tried to tell them numerous times that this was not my loanthe only way I know to prove this is to get a lie detector test and make XXXX XXXX pay for it to prove I never opened this loan this is not my loanI need this removed from my credit reports today or I will be filing a lawsuit in which XXXX XXXX will have to pay my lawyer fees and for the lie detector test result I present in court

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 2021-04-09 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:
XXXX XXXX is saying that I owe on a loan that I never took out this loan was opened when I was overseas on a missionary trip for over a year I never signed or opened a loan at XXXX XXXX XXXX XXXX  can not produce a paper showing my signature I have asked for it numerous times I am in the process of getting a lawyer and a lie detector test to prove that this is not my loan I will be taking XXXX XXXX to court and Sue them for my lawyer fees and my light detector test XXXX XXXX has not believe me I have tried to tell them numerous times that this was not my loanthe only way I know to prove this is to get a lie detector test and make XXXX XXXX pay for it to prove I never opened this loan this is not my loanI need this removed from my credit reports today or I will be filing a lawsuit in which XXXX XXXX  will have to pay my lawyer fees and for the lie detector test result I present in court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I started disputing on XX/XX/XXXX with the credit bureaus because I noticed some inquiries that were never authorized as well as collections that were still reporting that had already been paid! The bureaus never responded to my dispute so I sent another one on XX/XX/XXXX and again on XX/XX/XXXX. I have yet to get a reply from the bureaus even acknowledging that they received my disputes. This is not good practice from the bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I started disputing on XX/XX/XXXX with the credit bureaus because I noticed some inquiries that were never authorized as well as collections that were still reporting that had already been paid! The bureaus never responded to my dispute so I sent another one on XX/XX/XXXX and again on XX/XX/XXXX. I have yet to get a reply from the bureaus even acknowledging that they received my disputes. This is not good practice from 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 2021-04-09 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: VW Credit
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I have been loyal card holder with TD Bank/Target services since 2016, never missing a payment and enjoying the card provided to me. At the beginning of the Pandemic of Covid 19. I was having a issue with payment problem with my Target Card. From there I called in to their customer representative services to get the problem resolved as my credit is very important to me. I was advised a resolution to my problem by putting my account on automatic payment as the representative did. This year as I am in the mix of trying to get a new mortgage I pulled my credit report and was shocked to see my payment history with that account had changed which I was never late on. I am deeply concerned as this has hindered my ability to obtain the credit needed to progress forward in my life. As I am loyal and grateful customer of TD Bank/Target I hope we can get this issue resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Report Number : XXXX The investigation and results you conducted do not abide by the FCRA or TILA therefore you must remove these accounts immediately.

Experian you cant keep " updating '' unverified, fraudulent, and incorrect information. I have had enough, this has been going on since XXXX of 2020. 

To begin with the information being reported by these creditors does not match my personal information, that alone should be enough to delete these accounts. Why has I taken Experian 6 months to understand? 

Remember an account must be 100 % verifiable in order for you to report it, yet you are reporting inaccurate, unverified, and fraudulent accounts? 

How are you certifying these accounts are true? Why are you not following section 314 of FCRA and providing all required information? 

Experian, I dont have time for your games, you are wrong, you have surpassed the investigation window timeframe by a few months. 

Stop wasting my time and money and damaging my credit report. Experian has caused serious damage to my credit report by reporting incorrect accounts that do NOT belong to me. 

Delete this nonsense and stop wasting my time and damaging my report. 
Experian you have violated the FCRA, FDCPA, FCBA, and TILA.

Experian has violated Sec. 314. Improved disclosure of the results of reinvestigation. 

Experian you certified the information is correct when its not. You cant keep updating fraudulent information and sending me the same dispute results that against the law. Stop saying these are certified they are not and do not belong to me delete these accounts already.

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 2021-04-09 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: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
On XX/XX/2021, I requested fro an estimated rate by filling the online inquiry on AmeriSave Mortgage Corporations website. I consent to the soft pull. After that, I received an email with a link written " Click here for your personalized mortgage rate quote '', and it brought me to the home page of AmeriSave Mortgage Corporations website, which did not provide the quote that I requested. On XX/XX/2021, after I filled the online inquiry, someone called me three times and I assumed that's from AmeriSave. However, I was not able to answer it because I was at work. It means that I never had a chance to speak with someone from AmeriSave until XX/XX/2021. On XX/XX/2021, I found that my credit was decreased due to the hard inquiry made by AmeriSave. I sent an email to their customer service and told them I consent to a soft inquiry but they did a hard inquiry. They replied and claimed that " I took it a step further and authorized a hard pull to be done '' the next day. I then asked them how's possible that I gave authorization by only filling the online inquiry, but they never respond.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Imperial Recovery Consultants, LLC
State: WA

Complaint narrative:
On XX/XX/21 i received a voicemail from XXXX. The message states that they are calling in regards to a case attached to my name and social security number that is currently pending to be filed against me in my local jurisdiction. The message went on to say they will be stopping by my home or my place of employment to deliver my legal documents. The message then states that they request I call them to confirm my address and if I fail to do so, they will take a default action against my social security number and requests I call XXXX. They did not identify as a debt collector in the voicemail nor did they identify their company name. This is a violation of the FDCPA. They threatened legal action against me. This is a violation of the FDCPA. I have never received a written notification of this debt in the form of a validation letter. Filing a lawsuit without first validating a debt is a violation of the FDCPA. On XX/XX/21 I received another voicemail from XXXX from the same outfit. The voicemail states they are contacting me regarding an attempt to serve me at my residence but there was nobody there to sign for the papers, however my significant other was home and there was no attempt. They requested a call back at the same number XXXX. I called the number back and spoke to a gentleman. I asked the name of the company and he identified as Imperial Recovery Consultants. I asked where they are located and he said they are licensed in 38 states but their headquartered in Pennsylvania. However with a quick XXXX, this agency is in XXXX, FL. They are falsely representing themselves. I asked why they are calling me and what the debt is, he refused to answer, he did not read the mini-miranda, and ultimately hung up on me. Additionally I can not locate an actual office in the state of Washington and to collect and call into the state of Washington, I believe that specific person must be in the state of Washington or within 100 miles of an office within the state of Washington. I called again and gave them my phone number and they said they were looking for someone totally different and they would update their files. Regardless, their tactics were abhorrent, deceptive, misleading, and unlawful. There are state and federal violations all over the place with these people.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: NC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: NJ

Complaint narrative:
I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged Account. The status is reporting late along with showing a monthly payment on a CLOSED account. I find that strange since I don't recall being late. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well different open/close dates. Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: CA

Complaint narrative:
I am sending this letter because I am very concerned. There is one late payment reported on my account on XX/XX/XXXX. This is affecting my credit score and now I am not able to get a home. 

I was not actually late. There was a third-party company that was supposed to make the payments on my behalf. I realized that I was reported as late, and I decided to contact this company. In my mind, the payment was on time, as normal. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter that I have attached. 

I am requesting Capital One National Association to correct the late payment reported on XX/XX/XXXX. This was a situation that I could not control, I was not even aware of what was happening. Ive been with your company for 7 years and I want to keep on having a good relationship between us. 

I really hope you can deeply research this case and take a fair decision. 


Account information : Account number : XXXX Opened date : XX/XX/XXXX Highest balance : $ {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Deinde Online Services, LLC
State: WI

Complaint narrative:
I received a letter from a company identified as IntegraCredit located at XXXX XXXX XXXX XXXX, Suite XXXX, XXXX, IL XXXX. They stated in the letter I owed them {$1700.00} for a loan I supposedly had taken out. I have never heard of or had dealings with this company and I have no outstanding loans. I contacted the company by email and phone. They have not responded to my email. On the phone, they wanted me to give them the last four numbers of my social security number. I explained to them they are contacting me and I have never done business with them, so there is no reason for them to have my SSN. They refused to talk to my without providing that information. 

I suspect this is an episode of fraud or identity theft, but without the company 's willingness to talk to me, I can not resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: IL

Complaint narrative:
There are incorrect addresses and misspelled names on my credit report that i asked to be removed well over 30 days ago and yet they still appear there

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 2021-04-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There are incorrect addresses and misspelled names on my credit report that i asked to be removed well over 30 days ago and yet they still appear there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: NY

Complaint narrative:
spoke w/CS Rep XXXX XX/XX/XXXX about XXXX XXXX : Second time I have contacted XXXX. ( Also twice had contacted XXXX of XXXX, ND. ) Received letter in mail from XXXX that my APR would be increased from 9.99 % to 14.49 % starting XX/XX/XXXX on Purchases. Reasons for bad review were four from XXXX, and, as I understand the words of the standards, all did not apply to my account. For years I have had one account, and I was now informed, 1-I have too few accounts currently paid as agreed ( I am told monthly that I only owe payments of $ 40- {$60.00}, yet I pay $ XXXX- {$400.00}. XXXX, itself, showed that all my months from XXXX XXXX to XXXX XXXX were " OK '' with this method used. ) 2-There is a lack of recent installment loan information : I do not use the credit card for any loans. It has been most heavily used for car repairs on a XXXX XXXX, which is now becoming VERY expensive junk. 3-Too many accounts with balances : XXXX said she saw only one account, XXXX, and no others. How can there be many accounts with balances, unless they belong to someone else? 4-Ratio of balances to credit limits on revolving accounts is too high : This one I was not sure of, but, since the information of XX/XX/XXXX used a credit score of XXXX, and it was used as a XXXX FICO XXXX Bankcard Risk Score, and XXXX informed me that the bad review was based on the date and version of my Credit Bureau report, and risk scores can be from 300-850, I am contesting this because XXXX gave me a credit score of XXXX on XX/XX/XXXX, which it labels as " Exceptional. '' I have had no bankruptcies, no late payments, no collections, and 100 % on-time payments, according to XXXX. Now, with this false evaluation from XXXX and XXXX, I am informed I have to wait six months for another review! That means the bank will rob me for six months!

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