vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
EQUIFAX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Inaccurate Information, Please Un-verify & delete this information )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: LA

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXXXXXX XXXX  XXXX, PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX & XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX Original creditor name XXXX XXXX XXXX XXXX ( Reason for investigation : Inaccurate Information, Please Un-verify & delete this information )

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 2022-03-15 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: MN

Complaint narrative:
I have seen an unauthorized inquiry placed on XX/XX/2022 on my credit report file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intelliloan, Inc
State: CA

Complaint narrative:
On or about XXXX I applied for a refinance loan with a company called Intelliloan , Inc XXXX I have struggled with this company for 100 days trying to get this loan completed only to get a last minute we can't do this loan as it was told to me by a company representative. In order to get to this final position in the loan process, I had to obtain an appraisal for the property in question at my own expense. ( {$1200.00} ) After doing so and going through this long process that would normally take 3-6 weeks I was told that there would be no loan given at this time. This lender was extremely difficult to work with. After the turn down of the loan to me and my wife we decided to go to another lender. I asked the lender for a copy of my appraisal that I had paid for so that I may be able to submit to another lender. That lender gave me a partial copy of the appraisal but NOT a full and complete appraisal so that I may use it with another lender. 
They ( the lender in house legal department ) said that they do not have to give me a complete copy of the appraisal and that all I would receive a what they sent me already. 
I had explained that I wanted a FULL and COMPLETE copy of the appraisal that I paid for or it would be useless to use with another lender. There response was still a resounding ( NO ) I want my money back for this lost expense that I was not allowed to use by this lender. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I took out a loan in 2009 through Navient in order to attend XXXX University for my XXXX degree. They made it seem like the general principle interest wouldn't be that much and they recommended to me and my parents that I could defer the payment after I graduated. I deferred my payments and attended Arizona XXXX for 2 years to attain a XXXX XXXX and by that time while I was in " default '' of the loan my interest accrued exponentially. There was no mention of the accruing interest of what they originally told me and for the past couple years I have been stuck with huge debt. 

Last week someone had mentioned to me that there was a lawsuit against Navient and their fraudulent statements of borrowers like me. It was stated the settlement would forgive the current debt, but nothing has changed in my account, nor a letter from them about this. I didn't want this to be swept under the rug and am asking for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have a loan with Credit Acceptance. I have always made my payments on time. For some reason, I realized that this account was tagged as Repossession. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take a look on the account information below : CREDIT ACCEPTANCE CO XXXX Balance {$6000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CA

Complaint narrative:
On XX/XX/XXXX I went on my credit report to see what I could be eligible for and 3 hard inquiries were on my report I didn't recognize such as : XXXX XXXX XX/XX/XXXX Capital one bank XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I had called 2 credit places XXXX XXXX and XXXX and the both said they cant do anything without a report from the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordence with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct # XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602a states I have the rights to privacy.

15 U.S.C.1681 Section 604a section 2 it also states A consumer reporting agency can't furnish a account without my written permission.

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 2022-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Santander The information on my credit shows 3 different amounts being reported as well as different dates listed that the account was paid on. one report shows the balance being owed as {$20000.00} and then it shows as {$19000.00} I can't owe both of those amounts. It's also showing that the dates reported were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

this information is inaccurate and inconsistent across the board and according to 15 U.S Code 1681e ( B ) needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
The Synchrony Bank/PayPal account with the account number XXXX was marked as Charge-off with an identified balance of {$3000.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount?

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 2022-03-15 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: NY

Complaint narrative:
EXPERIAN IS inaccurately REPORTING AS FOLLOWS. 

XXXX XXXX XXXX was paid in full and never late but is currently reporting as a delinquent Charge-off. Please remove from my credit report. 
XXXX XXXX XXXX WAS PAID IN FULL NEVER LATE AND REPORING CURRENTLY DELINQUENT. O Account status Closed Date opened XX/XX/XXXX Account type XXXX XXXX Balance on XX/XX/XXXX Loan Amount XXXX XXXX XXXX  acct : XXXX is reporting Inaccurate I have never had a delinquent acct. I do not owe XXXX XXXX XXXX. Please remove from my credit report. 
XXXX Account status Closed Date opened XX/XX/XXXX Account type XXXX XXXX Balance on XX/XX/XXXX Payment Info Status Paid, was a collection account, insurance claim or government claim or was terminated for default. 

XXXX XXXX XXXX XXXX account : XXXX Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter to XXXX, and Equifax addressing a concern about an account that they were and still are reporting on my consumer credit report. 

They are reporting a collection account as an open account with a past due balance and late payments. I have never opened an account with the company reporting, and a collection should not be reported as an open account. 

I have tried to get this matter resolved on my own by writing letters to both of these reporting companies. 

I have tried 4 times via letters and they keep reporting the same status. 

They have also failed to provide me proof that they have conducted a proper investigation to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: MS

Complaint narrative:
This information is inaccurate and I have been violated.

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 2022-03-15 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: MS

Complaint narrative:
This information is inaccurate and I have been violated.

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 2022-03-15 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
On XX/XX/XXXX I went on my credit report to see what I could be eligible for and XXXX hard inquiries were on my report I didn't recognize such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had called XXXX credit places XXXX XXXX and XXXX and the both said they cant do anything without a report from the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I went on my credit report to see what I could be eligible for and 3 hard inquiries were on my report I didn't recognize such as : XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I had called 2 credit places XXXX XXXX and XXXX and the both said they cant do anything without a report from the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Premier Auto Credit
State: LA

Complaint narrative:
XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX  XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Original creditor name : PREMIER AUTO CREDIT ( Reason for investigation : Inaccurate Information, Please Un-verify & delete this information )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On XX/XX/22 around XXXX someone by the name XXXX XXXX from Midland Credit Managment called my boyfriend questioning him about a credit card I owed. He then called me on a 3 way to listen to the conversation she asked him to verify my social which he dont know second thing he asked her did she know she said yes and give him my last 4 digits. They called his phone everyday harassing about a payment and they was taking me to court. Something need to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: LendingUSA
State: WA

Complaint narrative:
LendingUSA is reporting negative information to my credit report. 
-Two year payment history is not updated. 
-Payment status incorrect -Date last active incorrect -Date of last payment incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: VA

Complaint narrative:
Experian refuses to verify this account and remove it. 

XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX This account is unverified. 
I have sent in my ID to verify errors on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: MS

Complaint narrative:
I don't recognize this information. It does not belong to 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 non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
Since VW Credit unveiled their " new and improved site '', the site is broken. It crashes constantly and does not allow information to be changed. I have moved, and I wanted to update my address and contact info - when this is done, it displays a " confirmation '' with the updated info but then next time you log in, the old information persists. A total IT disaster. I asked the company for help and they replied with the standard American XXXX " call the service center ''. Not possible to manage account online effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
On XX/XX/2022, I made two on-line payments to pay off my mortgage. The first payment was for {$57000.00}, which was just below the mortgage company 's policy limit of 95 % of balance for on-line payments. The second payment was for {$3900.00}. Both payments were accepted by the mortgage servicer and withdrawn from my bank account on XX/XX/XXXX. 

Mr. Cooper, the mortgage servicer, applied the second payment toward XXXX 's payment instead of principal only, and thereby made the {$57000.00} payment ineligible for processing because it exceeded their policy of allowing on-line payments for no more than 95 % of the remaining balance. 

After several calls and chat sessions ( all transcripts of chats have been saved ) with Mr. Cooper, I thought we had the problem resolved and the mortgage would be paid off.

By today, the payment should have been credited to my account. Since today is the fifth day after submitting the payments, Section 1639 ( f ) of 15 USC ( Truth in Lending Act ) should apply even if the payments are considered non-conforming by the mortgage servicer.

The payments have not been applied by close of business today. They still show as " unapplied funds. '' Adding insult to injury, Mr. Cooper took funds from my escrow account to make partial -- and early -- payment toward the XXXX payment. In other words, they are continuing to apply principal payments toward monthly interest when the loan should be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
XXXX XXXX from XXXX TX is currently suing me in XXXX XXXX XXXX Florida. 

They claim that on XX/XX/2019 that I took out a loan to cover the purchase of appliances and other items in the attached document XXXX XXXX with a loan repayment in the amount of XXXX. 

The delivery address on the bill shows XXXX XXXX XXXX, XXXX TX XXXX. 

I do own property in XXXX, TX XXXX about XXXX miles south on XXXX. I have not been back to Texas since my XXXX 's passing in 2019. 

I enclosed a copy of my XXXX bill showing that I made purchases the day before in XXXX XXXX Florida. I pay my XXXX XXXX in XXXX every month with a credit line of over {$37000.00}. 

On the XXXX I would take a cruise out of XXXX XXXX, FL. 

I have also attached my XXXX XXXX court hearing

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 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
Hello, This charge was a fraudulent charge. I am a victim of identity theft with an ongoing police investigation. ( If a case number and or the lead detective are needed, I will be willing to share them upon request ). 
Immediately a dispute followed with Discover card. Was denied based on " documentation sustaining the charge to be valid '', documentation todate not revealed to me- the consumer and victim in this case. Reached out the 2nd and 3rd time. The re-denial is based upon the same information ( without gathering new information from the vendor as necessary upon re-opening the dispute ). My understanding is that, the first communication from the initial charge has been used by Discover over again to their leisure to determine the approval or reversal of this fraudulent charge. 
It is very disrespectful to be ignored and my case disrespected by Discover. 

Thank you for your help with this dispute. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief