vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, it have come to my attention along with multiple data breaches that their is an officer, employee, credit agencies and systematic programs of reporting agencies who are knowingly, intentionally and willingly providing unauthorized inaccurate bias information regarding an individual not of " subject '' status credit report to other parties and employers. Soley with the intent of sordid gain and to deny a particular individual/group of people credit, employment, loans, housing etc. There is a major violation in affect of the Fair Credit Reporting act which prohibits such acts and all perpetrators shall be fined under Title 18 U.S.C, imprisoned for no more than 3 years or both. All unethical treacherous dealing shall immediately be ceased. This statement further serves as demand that their be an investigation of this matter, the numerous data breaches and the due diligence to provide me the results of the investigation forthwith.

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 2020-09-22 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: GA

Complaint narrative:
To whom it may concern, it have come to my attention along with multiple data breaches that their is an officer, employee, credit agencies and systematic programs of reporting agencies who are knowingly, intentionally and willingly providing unauthorized inaccurate bias information regarding an individual not of " subject '' status credit report to other parties and employers. Soley with the intent of sordid gain and to deny a particular individual/group of people credit, employment, loans, housing etc. There is a major violation in affect of the Fair Credit Reporting act which prohibits such acts and all perpetrators shall be fined under Title 18 U.S.C, imprisoned for no more than 3 years or both. All unethical treacherous dealing shall immediately be ceased. This statement further serves as demand that their be an investigation of this matter, the numerous data breaches and the due diligence to provide me the results of the investigation forthwith.

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 2020-09-22 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: TX

Complaint narrative:
I have contacted Transunion multiple times about the fraudulent inquiries on my account, I have sent them an FTC report, and still they do not try to help me or provide any resolution.

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 2020-09-22 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: LA

Complaint narrative:
UNAUTHORIZE INQUIRIES THAT 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 explanation
Consumer complaint received 2020-09-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
UNAUTHORIZE INQUIRIES THAT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Tried refinancing my mortgage with my current mortgage company, XXXX ( recently acquired by Freedom Mortgage ). I was told by both the loan officer and loan processor that I can use my payment from XXXX towards the closing costs of the loan. We closed on XX/XX/XXXX, the loan processor assured me that no payment was needed to be paid for XXXX as my loan was going to be funded and would cover any outstanding amounts. On around XX/XX/XXXX, I received a message from both the loan processor and loan officer saying that I was not going to be able to refinance my loan because the loan didnt fund on time and I had a late payment on my account. They reported XXXX as late to the credit bureaus, lowering my credit by over 80 points. I was also told that I wouldnt be eligible to refinance my loan for another 6 months. I spoke to one their VPs and he assured that they would fix the mistake as I had followed all their instructions and it was their fault that this problem had happened. They removed the negative mark from credit report and assured me that we were going to be able to go through with the refinance. I filled out all the paperwork for the new refinance and was waiting for a new closing date when yesterday I received a message from a new loan officer saying that they will not honor their promise to allow me to refinance because of the missed payment in 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 2020-09-22 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: MA

Complaint narrative:
Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from XXXX XXXX XXXX from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors. 
3 different open dates reported ; 3 different date of last activity dates reported ; XXXX reports XX/XX/XXXX ; but XXXX   reportsXX/XX/XXXX, and Experian reports the DOLA as XX/XX/XXXX. Impossible!!! 
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status. 
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE 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 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are 3 accounts with Creditor XXXX & 1 account with Creditor XXXX that were included in bankruptcy and discharged in XX/XX/2019 but they are all incorrectly showing collection/charge off status and balances. I have previously disputed and you found in my favor and corrected to included in bankruptcy but then they were updated right back to having balances and charge off/collection status again. I disputed again and now I am having to wait through the 30-45 day dispute process again. I need these fixed so that they do not continue to be updated back to what they were showing prior to the disputes. I have attached bankruptcy paperwork again for your review. See highlighted sections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: AZ

Complaint narrative:
Experian lowered my credit by almost 70 points for a credit check I never authorized from the XXXX Bank I do not bank with XXXX, and I never asked XXXX Bank to conduct a credit check with my credit. 

I contacted the XXXX bank about a few months ago, and some lady informed me that someone tried to apply for an XXXX Credit card on the XXXX website in my name. 

When I contacted Experian, and sent in all requested documents with a complaint form asking them to fix this problem and the credit application I never applied for. 
They asked me to send in a complaint form, copy of an existing bill with my name on it, copy of a government I.D., and a copy of the credit problem or error. 
Their version of fixing the problem was raising the FICO score by 2 points. 


They refuse to fix the problem, and I can not get through to anyone over the phone anymore. 

Experian has allowed an unauthored use of my credit report for a credit check I never asked for. They have not fixed the problem with the false use of credit or credit application is reported to them! 

I feel Experian obviously does not care about people. 

Most of all Experian refuses to divulge how they calculate FICO scores for people. 
I believe there is some kind of corrupt practice Experian is using against people!

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 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
I have previously requested a line item bill for this medical debt from the originating hospital & this company. Neither have provided it to me to show what was paid out by insurance. I never saw a doctor at the hospital but they show charges to a doctor. My repeated requests since XX/XX/2020 have gone unanswered and their collection tactics continue with robocalls to my phone. No written evidence of the debt & what was charged ( or for what ) has been provided.

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 2020-09-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
May have lost my card or it was stolen is it way a to get a new reliacard please 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 2020-09-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
UNAUTHORIZED INQUIRIES THAT DONT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
UNAUTHORIZED INQUIRIES THAT DONT BELONG

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 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I lived in XXXX, IN until XX/XX/2019. When I moved out, I canceled my service with XXXX XXXX XXXX  XXXX XXXX. I was sent a bill for XXXX and XXXX, and I called XXXX to dispute the charges. The representative assured me this would be taken care of and resolved. 

XXXX then sent me to a debt collector when they assured me this was resolved. I called XXXX and they said it was too late and it had been sent to the debt collector and they could not fix my credit. The day after I paid the debt collector, XXXX called me admitting they made a mistake, and would refund the the difference between what was owed and what was overcharged initially. 

I disputed the mark on my otherwise perfect credit with XX/XX/XXXX, and they still list it as accurate ( it is not! ). I followed all necessary steps and my credit was unfairly hit when XXXX admitted they made the mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Home Depot cashier signed me up for a Commercial Account Credit Card, promising deals that do not apply to me. I am XXXX years old and do not have a business. I shop at Home Depot for personal purposes only and I already have a Consumer Credit Card. I ended up with two accounts which created a VERY confusing situation and then I was charged a late fee because of my confusion with due date and I incurred finance charges because apparently with a commercial account you have to pay off the balance which was not clear to me when I was signed up for this. I feel like I was taken advantage of. I have closed the account with I am still reeling from the abuse. 

This is the Home Depot XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22 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: VI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has been reporting inaccurate information on my credit report for some years now and they refuse to corrected the inaccurate payment history. The reports has been creating hardship for me by causing me to pay higher interest rates on financial products or sometimes out right denial by financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery are reporting two outdated accounts on my credit. I called Portfolio and they stated that both accounts are 10 years old. Yet they continue to re-age the accounts and report them on my credit. I have been disputing these accounts with Portfolio for a year now and they are still violating the Laws of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I'm a XXXX XXXX of XXXX XXXX. I applied for a business loan from the XXXX ON XXXX of XXXX of this year. On XX/XX/XXXX, XXXX approved my loan in the amount of XXXX. XXXX was deposited into my account on XX/XX/XXXX. On XX/XX/XXXX, Chase froze the funds in my account. 10 days later, they closed my account and put the funds from the XXXX loan in suspense. I've spoken to different agents in the fraud department, and received different statements. One stated that if I was to bring in my EIN number, that the funds will be issued into a cashier 's check. Never happened. One stated that I needed to consult with an attorney to receive the funds. Another one stated that I needed to contact SBA to have them retract the loan. In which I did, but XXXX stated on numerous occasions that this was impossible since my account has been closed. I called Chase again ( fraud dep ), they stated that they will keep the funds in suspense up to 2-3 years and then release the funds to the state. This is a BIG problem, considering I've entered into a 30 yr agreement with XXXX WITH INTEREST ACCRUING DAILY, and I have no access to these funds. I can't reject the loan, since the loan was successfully dispersed into my checking account that Chase voluntarily closed!! If Chase won't release the funds to me ( in which I ' rightfully entitled to these funds, that XXXX successfully verified my identity, etc. ) then I feel it's only right for them to send them back to XXXX IMMEDIATLEY!! It's been 2 months of this with Chase and I would like to resolve this matter in a timely manner please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I have sent disputes to ALL 3 Credit bureaus and have yet to receive a response. It has been over 60 days since my dispute. By law they are supposed to respond.

Express Recovery services is reporting 7 erroneous accounts on my credit report.. 
( XXXX, XXXX & XXXX ) - these accounts should have never went to collection because we have insurance. Also these were paid XXXX to them reporting to credit if you look at the attached document. They were paid in XXXX but they put them on my credit in XXXX? These are a violation and sent to collection in error!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Midland Credit Management is trying to collect on a debt that was already paid in full on XX/XX/2020. via my savings account with XXXX  bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I created a dispute about an account record that still exists on my XXXX  account for a debt that has been paid since XX/XX/2020. The account says " paid in full '', but the record still shows as " 1 collection account ''. This is keeping me from getting a higher credit score and damaging me personally. 

I contacted XXXX  to find out why the paid in full collection account is still being reported on my account and they told me to contact Transworld Systems to get the paid in full debt report removed. 

When I contacted Transworld they told me they do not remove paid in full debt reports from bureaus like XXXX. 

If neither of them do this then how in the heck do I get it removed from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: FL

Complaint narrative:
There was an account on my credit report from XXXX XXXX XXXX. The account was listed as negative. The account could not be verified and so the credit bureaus removed it. They later added the account back on and will not give me an explanation of why it was added nor the methods they used for verification. I've been trying to communicate with them for over 3 months regarding this account. The last letters regarding this account were sent out XXXX and I have tracking numbers to verify they've received them. I have heard nothing back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: UT

Complaint narrative:
I have sent disputes to ALL 3 Credit bureaus and have yet to receive a response. It has been over 60 days since my dispute. By law they are supposed to respond. 
XXXX XXXX services is reporting 7 erroneous accounts on my credit report.. 
( XXXX, XXXX & XXXX ) - these accounts should have never went to collection because we have insurance. Also these were paid XXXX to them reporting to credit if you look at the attached document. They were paid in XXXX but they put them on my credit in XXXX? These are a violation and sent to collection in error!!!

Company response to consumer: Closed with explanation