vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I guess its easier to pretend as if you can't understand what I'm saying than admit EXPERIAN is wrong. 

I WILL BE FILING A SMALL CLAIMS LAWSUIT ON OR AFTER XX/XX/2020 ABOUT MY UNRESOLVED LAST COMPLAINT # XXXX. I HAVE MAILED THEM MY DEMAND LETTER AND IN CASE THEY DIDN'T GET IT, HERE IS MY PROOF. 

I'm telling you to put the information you deleted back on my report and send XXXX XX/XX/2020. I'm trying to resolve the issue before going to court. Experian hurt my credit by deleting the information from my credit report! I can't get the house that I wanted because they removed this information from my credit. 

I DID NOT WANT THAT INFORMATION DELETED! I NEVER ASKED FOR THAT INFORMATION TO BE DELETED! 

The following attachment are the items I DID NOT WANT TO BE DELETED. 
I NEVER ASKED FOR THIS INFORMATION TO BE DELETED. 

ALSO I HAVE ATTACHED PROOF THEY GOT MY DEMAND LETTER.

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 2020-04-09 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: Rocket Mortgage, LLC
State: SC

Complaint narrative:
XXXX I began working with Quicken Loans to secure a mortgage for purchase in XXXX. The week prior to closing on XX/XX/XXXX I received an email that my credit score dropped and I needed to speak to another representative. I was presented with an updated loan estimate and informed that there would be a delay in closing. Weekly there were updates on the house and we were " waiting '' for my score to rebound as a new item was placed on my record which dropped my score. 

During this time my credit was pulled twice on XX/XX/XXXX and XXXX for no reason as it was already pulled on XX/XX/XXXX and the new rescore would not be available until later in XXXX. I was told that they could rescore the credit with additional information that I sent in-but that was not true. 

I called the company to see if they would remove these hard inquires only to hear that I " must have '' known this is what would happen for a rescore and when my case was transferred to another agent. This practice is unfair especially since I was approved with them and then they gave me nothing but the run around a week from closing.They were not transparent in their handling of this case-3 credit pulls in 30 days is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They lowered my credit limit. I want it put back to {$4200.00} and I need a foreberance for my account. I have been affected by the corona virus and they shouldn't have lowered my limit.

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 2020-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
there are fraudulent and unauthorized inquires reporting on my transunion credit report fraudulent/unauthorized inquires XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX/XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/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 2020-04-09 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
On my Experian credit report there appears a late payment from XXXX in XX/XX/2019. I have previously disputed this account and provided proof in the form of a chat log from XXXX customer service that acknowledges that this account was never late. Experian ignored the proof that I sent in and according to them only did an automated dispute process and did not remove this late payment

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 2020-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The original creditor XXXX  XXXX removed the account beacuse it wasnt mine. The company that bought XXXX XXXX it kept it on with a last payment date that wasnt on the original date. The collector who bought it stated a last date paid was wrong beacuse they never recieved a payment from 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 2020-04-09 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
I have an unauthorized inquiry on my credit report XXXX XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
The original creditor XXXX  XXXX removed the account beacuse it wasnt mine. The company that bought lvnv funding it kept it on with a last payment date that wasnt on the original date. The collector who bought it stated a last date paid was wrong beacuse they never recieved a payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
The company that managed my mortgage loan, XXXX XXXX XXXX, which is a subsidiary of LoanCare is posting misleading and untruthful information about the CARES Act and how the benefits of the act can benefit borrowers. 
They are also requiring certain information in a " forbearance application '' that is specifically prohibited by the CARES Act.

Please see : XXXX XXXX XXXX XXXX XXXX I also fear that LoanCare will retaliate against me for either 1 ) submitting the loan forbearance application or 2 ) submitting this complaint to CFPB.

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 2020-04-09 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX and XXXX of 2017, Credit report shows that I made 2 late payments to American Eagle ( AEO ) in which I disputed. I always paid online monthly and expressed to the agency that the application use to crash all the time. I sent a 'Goodwill '' letter stating the entire situation on XX/XX/XXXX. The account has been paid in full without it going into collections. I just can't afford for this mark to be on my report for the next 5 years. I would appreciate more than words can ever describe if it can be removed. My credit score is very good and if its removed it will most likely be excellent, I am potentially in the process of purchasing a home and need my score to be as high as it possibly can. This mark is really hurting my credit.

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 2020-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My complaint is regards to Trans Union reporting inaccurate information on XXXX XXXX XXXX consumer credit report. As of XX/XX/XXXX, this account with XXXX XXXX XXXX XXXX shows an open account. I have disputed this account multiple times, and I ask Trans Union, and XXXX XXXX to validate this debt. As of XX/XX/XXXX, Trans Union or XXXX XXXX has not validated this debt. XX/XX/XXXX, I reached out to XXXX XXXX and spoke with XXXX the representative at XXXX XXXX, XXXX confirms there is no balance in their system shows for XXXX XXXX. XXXX than transfer me to a XXXX and he confirms there is no balance shows delinquency in their system for XXXX XXXX. Also, reach out to XXXX XXXX XXXX I spoke with XXXX the representative ; I asked XXXX to validate this debt of {$290.00} that shows on my consumer credit report because I do not recognize this debt. XXXX ask me to follow up with her within two weeks, she needs to reach out to XXXX XXXX to get documentation for this debt. XXXX confirms she did not have any documentation in their system to validate this debt. XX/XX/XXXX, I called back to XXXX XXXX XXXX and I spoke with XXXX XXXX she asks me to call back around XX/XX/XXXX here system has no documentation to validate.

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 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
When I opened a checking account at Wells Fargo in XXXX of 2004, at XXXX years old, they opened a credit card in my name as well without my permission. I noticed it when they were also charging me for their rewards program, for a card I didn't apply for. I called them to stop the charges and had to threaten them to get them to remove the rewards program charges, but the damage was done and the card was opened. Closing the account would only hurt my credit score, so I left it open but never used it once in the almost 11 years it was open.

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 monetary relief
Consumer complaint received 2020-04-09 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed the unverified and inaccurate account from XXXX XXXX XXXX  with Equifax on XXXX. XXXX, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
This is a pay day loan that had a court judgement for 2 years with threats of garnishment if I missed a payment. I got a court judgement XX/XX/2020 that it is paid in full and the judgement satisfied and the company Speedy Cash refused to remove off my credit record when I disputed it with XXXX. The dispute came back and said it will remain on my credit record and I dont know how long. After 2 years of threats of garnishment and I paid them off after they have been on my credit record for 6 years, if its paid in full and closed it should be removed from my credit record. Its no longer necessary to continue to drag my credit when I got them cleared through a court order. Enough is enough!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This is a collections account on my credit report that does not belong to me : Caine Weiner Account # XXXX Amount : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC
State: MT

Complaint narrative:
I have a company that is calling me several times a day, on the few times they leave a voice message the say " XXXX XXXX ''. I do not know who XXXX XXXX is? Now, they are calling my Nephew looking for me and they have called him several times. I do not know how they would have his phone number, I never put his number down on anything. I don't know how they would associate me with him. 

My last name is XXXX and my Nephews last name is XXXX. 

The last time they left a message with my Nephew they gave this phone number XXXX. You could not understand the Gentleman 's name that called. I attached a copy of the voice message transcript from my Nephews phone. The first XXXX number on the message is a phone number to a XXXX talk  line. I am not happy about that at all. 

The easy way to reach me is by text or email. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
My complaint is regards to XXXX XXXX reporting inaccurate information on XXXX XXXX XXXX consumer credit report. As of XX/XX/XXXX, this account with XXXX XXXX XXXX XXXX shows an open account. I have disputed this account multiple times, and I ask XXXX XXXX, and XXXX XXXX to validate this debt. As of XX/XX/XXXX, XXXX XXXX or XXXX XXXX has not validated this debt. XX/XX/XXXX, I reached out to XXXX XXXX and spoke with XXXX the representative at XXXX XXXX, XXXX confirms there is no balance in their system shows for XXXX XXXX. XXXX than transfer me to a XXXX and he confirms there is no balance shows delinquency in their system for XXXX XXXX. Also, reach out to Tek Collect Agency, I spoke with XXXX the representative ; I asked XXXX to validate this debt of {$290.00} that shows on my consumer credit report because I do not recognize this debt. XXXX ask me to follow up with her within two weeks, she needs to reach out to XXXX XXXX to get documentation for this debt. XXXX confirms she did not have any documentation in their system to validate this debt. XX/XX/XXXX, I called back to Tek Collect Agency and I spoke with XXXX XXXX she asks me to call back around XX/XX/XXXX here system has no documentation to validate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
The Collections account was paid in full and has not been 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 2020-04-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXXXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.

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 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This collection account is paid in full and should no longer be on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: NV

Complaint narrative:
I finally was making payments on time after thousands of dollars in their pockets and not applying to my car. I've been on time for the past 2 months and because of the coronavirus lockdown and no work I can not make a payment and they're not willing to Bend at all there is no way I'm refinancing and falling more behind again absolutely not and they should freeze the accounts and give us another month to pay this is XXXX. They're clearly taking advantage of the situation at all costs this {$6000.00} loan is turn into like a {$15000.00} nightmare and now it's going to keep going up higher higher again because of this virus. I only owe XXXX left and if I fall behind you I'm just going to let this car go with this point I can't invest any more money into this with more late fees it's going to cost me {$900.00} extra a month every time I'm late extra above my payment. My payment is {$1500.00} a month. Please people have XXXX  me over on this lease like you don't even know but my worst hang up with them right now is that they're not even working with people due to the lock down it's not our fault. They should be shut down out of business for doing this to us. Especially because you're allowing them to stay opened the business and they're XXXX  over the people that already has loans and I can't pay them right now giving the more power because nobody is putting their foot down with this company. They're getting their cake and eating it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed the unverified and inaccurate account from XXXX XXXX with Equifax on XX/XX/2020, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please remove any and all fruad alerts

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