vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out to XXXX, XXXX  and TransUnion about the following reporting Debt since XX/XX/XXXX. I explained to all 3 Credit bureaus the rent that is reporting a Debt without proper debt verification and ownership. 

XXXX XXXX XXXX opened a collection account on XX/XX/XXXX stating I owe them {$2100.00} Original Creditor - The corners c/o XXXX I went to The corners c/o XXXX around XX/XX/XXXX to see why I owed them {$2100.00} I spoke to a guy named XXXX at the front desk he tried to look me up in their system to see any information in their system about me owing them a balance. XXXX stated they had no information about me in their system. 

I contacted XXXX and informed them I needed the following information : The original signed lease between myself and the landlord. 
Details of the security deposit and how it was applied to past due rent. 
Bank statement for the security deposit entire duration of the rental including the accrued interest. 
Detailed breakdown of damages claimed by the landlord and the total cost of repairs, with proof from a licensed contractor The date that the apartment was reoccupied. 
Proof of registration of that apartment following all compliance of the local rental laws in the state of Texas Proof that this is a collectable debt within the statute of limitations in the state of Texas Name of the banking institution and the date in which my security was deposited in an interest-bearing banking account As of today I have not received the above information to validate the debt they claim I owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TX

Complaint narrative:
I have reached out to Equifax, XXXX  and XXXX  about the following reporting Debt since XX/XX/XXXX. I explained to all 3 Credit bureaus the rent that is reporting a Debt without proper debt verification and ownership. 

XXXX XXXX XXXX opened a collection account on XX/XX/XXXX stating I owe them {$2100.00} Original Creditor - The corners c/o XXXX I went to The corners c/o XXXX around XX/XX/XXXX to see why I owed them {$2100.00} I spoke to a guy named XXXX at the front desk he tried to look me up in their system to see any information in their system about me owing them a balance. XXXX stated they had no information about me in their system. 

I contacted XXXX and informed them I needed the following information : The original signed lease between myself and the landlord. 
Details of the security deposit and how it was applied to past due rent. 
Bank statement for the security deposit entire duration of the rental including the accrued interest. 
Detailed breakdown of damages claimed by the landlord and the total cost of repairs, with proof from a licensed contractor The date that the apartment was reoccupied. 
Proof of registration of that apartment following all compliance of the local rental laws in the state of Texas Proof that this is a collectable debt within the statute of limitations in the state of Texas Name of the banking institution and the date in which my security was deposited in an interest-bearing banking account As of today I have not received the above information to validate the debt they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: AZ

Complaint narrative:
XXXX XXXX XXXX  XXXX Balance : {$410.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX  XXXX Balance : {$10000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1900.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed an incorrect Bankruptcy on my credit report at least 6 times and credit bureau refuse to send proof or even investigate my request. This is causing me to get higher interest rates and not be approved for other loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed an incorrect Bankruptcy on my credit report at least 6 times and credit bureau refuse to send proof or even investigate my request. This is causing me to get higher interest rates and not be approved for other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
Ive reached out to EXETER FINANCE LLC about the false reporting and haven't received a reply its been 30 day and i still haven't heard anything this is highly illegal and i dont own an account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: OH

Complaint narrative:
XXXX XXXX ss # I am writing today because there are inaccurate reports on my credit. I tried to have them investigated by a repair company only to have them add the erroneous companies back to my report changing the days to the current date as if the account just happened. It feels like I'm getting punished for looking into the errors. I'm also contacting the Consumer Financial Protection Bureau ( CFPB ) for help resolving this matter. Below, is the list of erroneous reports. The reason I'm calling them errors is that the days aren't correct, they are the original debtors, and I have no way of knowing who or what I owe. Thank you for your attention in these matters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Possible Financial Inc
State: CA

Complaint narrative:
Ive looked over my personal credit report and possible finance is reporting inconsistent and inaccurate reportings which is in violation for reporting wrong information on my credit report which is greatly affecting my score. Attached to this claim will be the proof showing that the inconsistent reporting to the 3 credit bureaus with the high balance being different on all 3 bureaus, inconsistent last payment, account status, and date reported. The date of last activity for example on XXXX  shows XX/XX/XXXX while XXXX  shows XX/XX/XXXX and XXXX  shows XX/XX/XXXX. This is ILLEGAL and a violation with the FCRA by all the account has been re aged which is a Violation of {$1000.00} per violation which possible is in 4 violations by all information being submitted to the credit bureaus must be 100 % accurate. If all 3 credit bureaus are getting their information from the same creditor how is it that theyre all reporting different information? This account also is in violation with the FCRA by reporting late payment when the collection account is closed. It can not be late unlike open ended accounts. As listed with XXXX  and XXXX  by reporting the Account 120 days late but at the same time as charge off which is another {$1000.00} fine. I plan on collecting my funds due to multiple violations if not settle d. The attachment will show the violations circle in highlight

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has removed an XXXX XXXX  account without mine or XXXX XXXX  consent. 

They have removed several open accounts from my credit report. 

It is my intention to report them to the FDIC, XXXX XXXX XXXX and to bring Federal charges against them within the next 30 days for violating FCRA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29 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: CA

Complaint narrative:
Ive looked over my personal credit report and possible finance is reporting inconsistent and inaccurate reportings which is in violation for reporting wrong information on my credit report which is greatly affecting my score. Attached to this claim will be the proof showing that the inconsistent reporting to the 3 credit bureaus with the high balance being different on all 3 bureaus, inconsistent last payment, account status, and date reported. The date of last activity for example on experian shows XX/XX/XXXX while XXXX  shows XX/XX/XXXX and XXXX  shows XX/XX/XXXX. This is ILLEGAL and a violation with the FCRA by all the account has been re aged which is a Violation of {$1000.00} per violation which possible is in 4 violations by all information being submitted to the credit bureaus must be 100 % accurate. If all 3 credit bureaus are getting their information from the same creditor how is it that theyre all reporting different information? This account also is in violation with the FCRA by reporting late payment when the collection account is closed. It can not be late unlike open ended accounts. As listed with experian and XXXX  by reporting the Account 120 days late but at the same time as charge off which is another {$1000.00} fine. I plan on collecting my funds due to multiple violations if not settle d. The attachment will show the violations circle in highlight

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: GA

Complaint narrative:
NACA took me work through the stressful process of qualifying for a home loan. It stated in the paper work that I qualified for Down payment assistance as a XXXX. On the day I was supposed to close on my home, I was informed that I no longer qualified for the home I was purchasing. I spent money for inspection, re inspection, NACA fees, etc. I also have XXXX XXXX  XXXX contacting me about the loan I was approved for. NACA was negligent and owes me money and an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters is reporting inconsistent and inaccurate information on my credit reports which is greatly affecting my credit score and is in violation {$1000.00} per violation with the FCRA. Ive disputed this account before and yet this account continues to report the inaccurate information. For example it reports the Date Of Last Activity for XXXX  is XX/XX/XXXX while for XXXX  reports XXXX/XXXX/XXXX. This is a violation of the FCRA by this account has be ILLEGALLY re aged the account showed closed back in XXXX and thats supposed to be the last active date. This account also shows that its closed but yet with XXXX  also shows late 120 days. This is another violation by an account that is close ended can not be late unlike open ended credit card accounts per the FCRA. Ive disputed this account before with XXXX  back in XXXX of XXXX but yet on the report it did not update the date reported which shows XX/XX/XXXX which is a violation of the FCRA by its suppose to update the account status each time its disputed. XXXX  shows the last payment was XX/XX/XXXX and XXXX  shows XX/XX/XXXX. If all the credit bureaus are getting their information from the same company how is it that theyre reporting different information. XXXX  as well has inaccurate and inconsistent information which will be attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Penn Credit Corporation
State: OH

Complaint narrative:
Ive reached out to XXXX XXXX XXXX about the false reporting and haven't received a reply its been 30 day and i still haven't heard anything this is highly illegal and i dont own an account with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX ss # I am writing today because there are inaccurate reports on my credit. I tried to have them investigated by a repair company only to have them add the erroneous companies back to my report changing the days to the current date as if the account just happened. It feels like I'm getting punished for looking into the errors. I'm also contacting the Consumer Financial Protection Bureau ( CFPB ) for help resolving this matter. Below, is the list of erroneous reports. The reason I'm calling them errors is that the days aren't correct, they are the original debtors, and I have no way of knowing who or what I owe. Thank you for your attention in these matters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: OH

Complaint narrative:
XXXX XXXX ss # I am writing today because there are inaccurate reports on my credit. I tried to have them investigated by a repair company only to have them add the erroneous companies back to my report changing the days to the current date as if the account just happened. It feels like I'm getting punished for looking into the errors. I'm also contacting the Consumer Financial Protection Bureau ( CFPB ) for help resolving this matter. Below, is the list of erroneous reports. The reason I'm calling them errors is that the days aren't correct, they are the original debtors, and I have no way of knowing who or what I owe. Thank you for your attention in these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I never received a letter or was notified of having the debt. I was in communication with the debt collector while i was paying off my account and when i finished the pay off. I asked to see if there was any other account with them. They assured me there was not any other debt with them, then a few days later i saw another derogatory account on my credit report. They never attempted to contact me or notified me with the balance. I would have paid them, however they didn't notify me. I find this practice to be unethical and illegal, because before they report anything to any credit bureau they are obligated to attempt to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: GA

Complaint narrative:
I file a dispute with Equifax, XXXX, and XXXX. None of the accounts disputed had accurate information and by law was not reporting correctly! This has ruined my life and affected my chances of getting a mortgage and becoming a home owner! Equifax Expesally broke the law by updating information that's false and they sent me a letter dated XX/XX/XXXX before they updated information which negatively affected my score stating that the disputes I sent in were " illegible '' And that items were too small to see! If my dispute was " illegible '' Why and how was my report updated correctly and accurately! this makes no sense why Equifax will break the law in this manner! I am in emotional duress and victimized by Equifax and the other company 's action in reporting accurately on my report. Reviewing the Credit file Equifax and other companies sent via mail dated XX/XX/XXXX, I saw That the " balance '' and " amount past due '' are dead wrong and are being reported falsely every single month on every account I disputed and this is criminal under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A )! Also under Section 611 ( 5 ) ( A ) of the FCRA Equifax and these other companies are required to promptly DELETE all information which can not be verified accurately, But these deletions were not done at all! If the disputed documents I sent was " illegible '' How and who verified the accuracy of my accounts under the law? A criminal act was done to me and I seek justice and correction as the law states clearly under the FCRA as soon as possible! Also please be advised this is my second time disputing this inaccurate information taking up my time and money to do so with no accurate resolution in regards to the law. Also, I never dispute if the account was mine I asked them to see if it was actually reporting on my report! The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance XXXX Section 617 ) if they fail to comply. Also, reviewing the report, Remove the hard inquires that I did not do or allowed which are " XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX. Also, I sent a letter of opt-out the us department of education so legally can not share the info with any third-party company! All mentioned documents will be sent in for recording.

Company response to consumer: Closed with explanation