vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-24 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: SC

Complaint narrative:
I had an account with XXXX/XXXX. My account was sold to XXXX XXXX XXXX in XX/XX/XXXX. But on my XXXX   report it shows that I made two payments directly to XXXX XXXX XXXX and in XXXX of XXXX. Then shows I owe late payments to XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Its not possible for me to owe them late payments if they already sold the debt to a debt collection agency ( XXXX XXXX XXXX ) in XXXX. It is illegal for a company to accept payment from a consumer if they already sold the debt to a debt collection company. My consumer rights was also violated again. ( But my XXXX  account shows that XXXX reported payments made from XXXX. Then reported late payments XXXX. Then more payments being made from XXXX. These are all reported after the account was sold to XXXX XXXX in XXXX, which goes against my consumer rights. ) Also, the account wasnt reported charged off until XX/XX/XXXX. I mailed a letter to all three credit bureaus and XXXX/XXXX   but all they did was make a dispute comment and dropped my score even more. I feel helpless and powerless because every time I reach out they update the data and hurt my score. All the credit bureaus do is verify that it is mine, but they arent protecting my consumer rights and looking deeply into the matter

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 2020-10-24 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:
I went to XXXX XXXX in XXXX, FL ( XXXX XXXX XXXX XXXX ) to buy a car. When I came into the store I had already applied doe a loan with XXXX with a remarkable rate. Because of this I did not want my credit run with XXXX XXXX. The sales associate asked several times if he could run my credit to search for better deals, and that it would be a soft pull. I explained that I did not want my credit pulled because I was already frustrated with the i professionalism of my car buying experience. Although I specifically asked for my credit not to be run, the associate ran my credit with 4 different companies and they were all hard inquiries.

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 2020-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I went to XXXX XXXX in XXXX, FL ( XXXX XXXX XXXX XXXX ) to buy a car. When I came into the store I had already applied doe a loan with XXXX with a remarkable rate. Because of this I did not want my credit run with XXXX XXXX. The sales associate asked several times if he could run my credit to search for better deals, and that it would be a soft pull. I explained that I did not want my credit pulled because I was already frustrated with the i professionalism of my car buying experience. Although I specifically asked for my credit not to be run, the associate ran my credit with 4 different companies and they were all hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: PA

Complaint narrative:
This account with XXXX XXXX was disputed with Exquifax and collection agency it reported on XX/XX/20 as a closed account wih XXXX XXXX in which it was supposed to be deleted credit bureaus are supposed to report 100 percent accurate in which it is not because experian is still reporting as a collection as well as equifax, also this account has been deleted before and keeps appearing back on my credit report which is a violation of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: NJ

Complaint narrative:
I've contacted Equifax on numerous occasions in regards to fraudulent/unauthorized inquiries and in response I was told a fraud report would need to be provided. The report has since been provided, I also confirmed that it was received via telephone by a Equifax customer representative. I just received a letter in the mail today saying that they would not be removed due to " XXXX XXXX ''! This is absurd! Ive submitted every thing I need to submit I've also added the fraud alert as requested by them and these inquiries need to be removed expeditiously! I feel like this credit bureau needs to be investigated! They aren't responding to disputes in a timely matter also! XXXX Inquiries listed below needs to be removed. 


*XXXX  XXXX - XX/XX/XXXX *XXXX XXXX - XX/XX/XXXX *XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX/XXXX- XX/XX/XXXX *XXXX XXXX - XX/XX/XXXX *XXXX XXXX- XX/XX/XXXX * XXXX XXXX- XX/XX/XXXX *XXXX/XXXX  - XX/XX/XXXX *XXXX - XX/XX/XXXX *XXXX XXXX- XX/XX/XXXX *XXXX  XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: SC

Complaint narrative:
I had an account with XXXX/XXXX. My account was sold to XXXX XXXX XXXX in XX/XX/XXXX. But on my XXXX   report it shows that I made two payments directly to XXXX XXXX XXXX and in XXXX of XXXX. Then shows I owe late payments to XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Its not possible for me to owe them late payments if they already sold the debt to a debt collection agency ( XXXX XXXX XXXX ) in XXXX. It is illegal for a company to accept payment from a consumer if they already sold the debt to a debt collection company. My consumer rights was also violated again. ( But my XXXX  account shows that XXXX reported payments made from XXXX. Then reported late payments XXXX. Then more payments being made from XXXX. These are all reported after the account was sold to XXXX XXXX in XXXX, which goes against my consumer rights. ) Also, the account wasnt reported charged off until XX/XX/XXXX. I mailed a letter to all three credit bureaus and XXXX/XXXX   but all they did was make a dispute comment and dropped my score even more. I feel helpless and powerless because every time I reach out they update the data and hurt my score. All the credit bureaus do is verify that it is mine, but they arent protecting my consumer rights and looking deeply into the matter

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 2020-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I found out back in XXXX that a car was brought in my name by a family member. They literally filled out an application online and brought the car online through XXXX and had it delivered to them without my knowledge, this happen in XX/XX/XXXX. I found out in XX/XX/XXXX and called Bridgecrest and told them where to pick the car up at. I explained that a family member that was living with me brought the car online in my name without my knowledge and had stolen my driver license to commit the fraud. The car registration was never paid either since only I could go motor vehicle. The account is still showing on my credit and I want it removed since the car loan was never opened by me, it is a fraud account opened online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
XXXX XXXX XXXX hired Hayt and Hayt & Landau to collect a debt for web bank I have never heard of them

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 2020-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
The company - Amerisave - and the loan originators collected a refundable {$500.00} pre-paid closing cost fee. The underwriter did not approve the loan and the {$500.00} was not refunded after numerous requests. No explanation given.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV funding LLC hired XXXX XXXX  XXXX XXXX XXXX to collect a debt for XXXX XXXX I have never heard of them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
Please forward the information to COLLECTION BUREAU OF AMERICA LTD.Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
I filed a dispute with this company about a bankruptcy that was reported the bureaus my file. I notified them that I had not filed for bankruptcy. On XX/XX/XXXX I was notified that this bankruptcy had been removed from their files. I keep disputing this same account with experian and transunion and they keep telling me that lexisnexis is certifying that it is reporting accurately. I recieved 2 false reports from lexis nexis providing that the information was removed. I noticed that my professional record was removed but the section was still in the report and when it comes to this bankruptcy the whole section isnt there. They are trying to make me believe it was deleted from my file bit when I applied for credit I was  notified on XX/XX/XXXX that there was a bankruptcy on my report and the reason I was denied credit with this company. XXXX XXXX pulls from lexis nexis and they told me that this bankruptcy is still there. They sent me a report with the bk section and then a few days later sent another without. Lexisnexis lied about their investigation and gave false information to me about my file. This is a clear violation and I intend to file full litigation against this company for such violations and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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:
I submitted a complaint against Experian to the CFPB on XXXX. Experian didn't respond to my dispute within 30 days of my dispute. The law states Experian have to investigate a dispute and send their finding within 30 days. That didn't occur. I open a complaint with the CFPB and my complaint is closed because Experian responds back with a statement that was made up to show they didn't break the law. There was no investigation by the CFPB to find out if Experian followed the law. Instead the CFPB contacted Experian and allowed their response to justify they didn't break the law and violated by rights as a consumer. If that is the case how is CFPB helping consumers by siding with Experian without any investigation into the complaint at hand. I submitted documentation that prove Experian didn't respond to my complaint or gave me results to their investigation within 30 days. That is breaking the law, is that ok with CFPB. this agency is here to defend consumers when their rights have been violated and obviously my rights have been violated and in result my claim is closed. Experian lied and said I asked for them to reinvestigate my dispute. I contacted them and told them to delete the convenient outsourcing account after 30 days of the submission on my dispute, which wasn't investigated and results given within 30 days. This account have to be removed from my account by law, not because anyone feels that is shouldn't be or if the furnisher says it is valid, they had 30 days to do so and they didn't. It isn't enough for CFPB to submit my complaint to Experian and wait until they respond and when they do respond close my compaint. If that is the case why does this agency exist? to trick the consumer in to thinking they can get help when an illegal act has been committed against them only to find out the CFPB is not on their side but working with the entity that committed an illegal act. I submitted documents that support evidence my statement and that wasn't taken into consideration. Leaving Experian not accountable for their actions a message I will surely get out using social media that CFPB is working with Experian to cause harmful acts against innocent consumers. I suggest my complaint is reopened and this time look at the evidence submitted and hold Experian accountable for not following the law.

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 2020-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Um yes my name is XXXX XXXX and the reason I'm txting is because my credit is lock file is locked I caint use my credit because XXXX  got security freezie locked I caint get a load because XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
United Wholesale Mortgage has mishandled the money in my impound account. 
The defaulted on my rental property insurance policy payment causing the insurance policy to be cancelled. 
The insurance policy went for 6 months without payment.

I had insurmountable trouble getting this resolved with UWM including being lied to, hung up on, and disconnected. 
I finally contacted my mortgage broker and he got an email address for me that someone answered. 
In the emails, I was lied to several more times including blaming my insurance company, and promising to overnight payment. I realized that they were stalling and double talking me. 
I was also messaged from them in my secure message center (??!! ) ( no direct contact to me ) that they were increasing my impound account due to a shortfall! 
My insurance broker informed me that my insurer, XXXX, would no longer insure the property due to the 6 months of default but my broker found another company who would take the policy. 

I immediately paid for the new policy out of pocket since my property had not been insured for 6 months ( unbeknownst to me ) and I can not trust UWM. 
It has been over 24 hours since I have had any correspondence from UWM and I am pretty sure that no one is going to contact me again to resolve this. 
I would never be late on my payments but they were late and they took money from me with the promise to pay! 
Besides the fact that no one will talk to me on the phone and my emails are unanswered, I can no longer access my secure message center in order to download the proof I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: VA

Complaint narrative:
1 ) Credit Control LLC of XXXX FL sends me mails to settle an alleged XXXX XXXX  credit card account that I never signed up for.

2 ) XXXX XXXX is billing me fees for a XXXX XXXX credit card I never signed up for.

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 2020-10-24 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 {$0.00}, {$10000.00}. 
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 ) -- CLOSED ACCOUNT XXXX. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -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 explanation
Consumer complaint received 2020-10-24 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: MicroBilt / PRBC (formerly CL Verify)
State: SC

Complaint narrative:
I've sent in copies of proof of IDENTITY more than 12 times this year alone for me and my XXXX kids. I sent ID for me and daughter, our social security cards, both certificates, court order showing proof of guardianship shot records and school records. Alone with a notarized letter on what to remove and why with 7 Police Reports from. XXXX that I have had to file due to stolen wallets, etc. I never get a response in the mail. When I do they state I need to be verified when I already sent in enough proof ... more than what they've asked for. I got a copy of my XX/XX/XXXXdata that have gathered and 65 % has nothing to do with me. My information is being sold, traded, etc. I sent out mail with trackers recently and still haven't heard back from neither credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$10000.00}.

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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -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 explanation
Consumer complaint received 2020-10-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$10000.00}.

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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

Company response to consumer: Closed with explanation