vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX XXXX XXXX {$550.00} XXXX/DEPT OF ED XXXX {$3500.00} XXXX XXXX {$470.00} XXXX  XXXX {$500.00} XXXX  XXXX {$570.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$570.00} XXXX  XXXX {$250.00} XXXX  XXXX {$520.00} XXXX XXXX   XXXX {$3700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX and Knight Adjustment Bureau # XXXX are double reporting the same debt to my credit report, this is a violation of the Fair Credit Reporting Act and they should not be double reporting. I need this removed off of my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$140.00} XXXX  XXXX {$450.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$370.00} XXXX  XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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:
Equifax and XXXX  are reporting incorrectly collections in the amount of {$4400.00} ; {$7300.00} ; {$5900.00} ; and {$7200.00} on the XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   partial account numbers XXXX-XXXX-XXXX-XXXX. ( Please see page attached from my credit report. ) These accounts have been transferred and should not be reporting. This is a violation of the Fair Credit Reporting Act. The false reporting of collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Sometime in 2015 while I was away in Virginia or Florida American acceptance allowed my ex husband to purchase a vehicle and add me as a coapllicant without my permission. When I called about it they told me the only thing I could do waa to have him refinance it with only his name. American Credit Acceptance XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
We have been trying to obtain a payoff from XXXX servicing sinceXX/XX/2020. As of yesterday XX/XX/2020 they have not issued the payoff to us or the customer. We have confirmed receipt of our payoff request on XXXX in which we were told that they had a 2 business day turnaround time ticket number ( XXXX ), when we followed up on XXXX we were told that their turnaround time is closer to 5 business days that that the additional time was because they had to hand calculate the additional balance and we were told that we would receive an email confirmation once the loan servicing has been handled, which did not happen. On XX/XX/XXXX we spoke to a representative that stated that all payoff requests are delayed at this time and the representative couldn't give us an ETA and could not escalate any further without the borrower calling in EIGHT business days after our initial request. The borrower called in on XX/XX/XXXX and was told that they had never received our payoff request and that they could not help her at this time. She had tried numerous times afterwards and was hung up on and told that the payoff " would be faxed as soon as they were off the phone '' we have still not received the payoff request ( right now it is XXXX on XX/XX/XXXX ). The borrower is selling this property and simultaneously purchasing another and is at risk of being in breach of contract for both due to the negligence of this servicer. It has been 12 business days since our initial request for a payoff, which is a reasonable amount of time to give the servicer to complete this task.

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 2020-03-17 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: TX

Complaint narrative:
XXXX and Experian are reporting incorrectly collections in the amount of {$4400.00} ; {$7300.00} ; {$5900.00} ; and {$7200.00} on the XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  partial account numbers XXXX-XXXX-XXXX-XXXX. ( Please see page attached from my credit report. ) These accounts have been transferred and should not be reporting. This is a violation of the Fair Credit Reporting Act. The false reporting of collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting the same debt to my credit report, this is a violation of the Fair Credit Reporting Act and they should not be double reporting. I need this removed off of my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting the same debt to my credit report, this is a violation of the Fair Credit Reporting Act and they should not be double reporting. I need this removed off of my credit 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 2020-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA

Complaint narrative:
To whom it may concern May I please request your guidance and help in a very serious matter. I have acted most appropriately in trying to rectify this grave matter to no avail. I seem to be caught between two companies ; Lakeview Loan Servicing and XXXX XXXX XXXX XXXX, of whom neither will help correct my dire situation. My home mortgage was bought by Lakeview Loan Servicing in XXXX. I appropriately each month would telephone in my payment on time. Upon doing so last XX/XX/XXXX, I was recommended by an agent representing the company to set-up an ACH withdrawal with my personal banking institution ; XXXX XXXX XXXX XXXX. I personally went into the local branch where my account was opened and telephoned Lakeview Loan Services. This event took place on XX/XX/XXXX.at XXXX : XXXX. The bank teller representing the XXXX XXXX XXXX XXXX verbally argued with the telephone representative for Lakeview Loan Services, regarding the confirmation of the bank routing number. The XXXX XXXX XXXX XXXX teller demanded she was right and so the representative from Lakeview Loan Servicing acquiesced and the ACH withdrawal was set upon the information given by the banking institution. Come to the withdrawal, it was never attempted as a debit against the checking account. There clearly was no attempt to post. Lakeview Loan Servicing considered the account to be 30 days late. Upon doing so, the XXXX ACH was never attempted by Lakeview, therefore reporting a 60-days late notice to all three credit reporting bureaus. I immediately went to the XXXX XXXX XXXX XXXX as well as started calling Lakeview Loan Services. Neither company would help me once so ever. To rectify the matter, I sent cashiers checks in the overnight mail to Lakeview with letters requesting their help. I was denied. To date, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to Lakeview Loan Servicing have been reported as late. Finally, there was a supervisor representing Lakeview Morgage ( XXXX - XXXX ) that pulled the audio transmission between myself and the XXXX XXXX XXXX XXXX and Lakeview Loan Servicing that clearly tells the trail of errors. The routing number was not correct, as the XXXX XXXX XXXX XXXX had demanded. Even though Lakeview Morgage has solid proof on tape, that I am not at fault and that my payment has been made, they are not willing to correct my credit report to all three reporting agencies. Nor is the XXXX XXXX XXXX XXXX, willing to admit their inhouse error. Please I ask for your assistance in this matter. I am an elder, a law-abiding citizen and I should not have to bear this devastating consequence on my credit. It is humiliating to me and has ruined reputation. Most sincerely yours

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 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting the same debt to my credit report, this is a violation of the Fair Credit Reporting Act and they should not be double reporting. I need this removed off of my credit 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 2020-03-17 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$140.00} XXXX  XXXX {$450.00} XXXX XXXX XXXX {$7800.00} XXXX   XXXX  XXXX {$370.00} XXXX XXXX {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$140.00} XXXX  XXXX {$450.00} XXXX XXXX XXXX {$7800.00} XXXX   XXXX  XXXX {$370.00} XXXX  XXXX {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items for my report. 

XXXX XXXX  XXXX XXXX {$800.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$280.00} XXXXXXXX XXXX XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: Byrider Franchising, LLC
State: FL

Complaint narrative:
XX/XX/2020 I filled a dispute they removed from one credit report but not the others two. Cnac its causing me not to be able to get a job of employment because false repo on my records I ask the car people to pick car up do too not having a job I was on workers compensation. They still put this vehicle on my credit report and they arent responding to disputes are anything only removed it from one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
XX/XX/2020 m- Fraudulent lending or issuance of credit and then retracting the credit or closing the account completely without checking in with me as to what the exact situation was that I am currently facing. When i called cITI Bank they gave me only one option and that is to apply for a new card. 
They had closed another credit card of mine almost exactly a year ago as well without any discussion around any issues that may be faced with personally, any option as to keep the account open or get it back in a good standing position where they do not close the card. 
Last XXXX i had an ATV accident, where i had a XXXX XXXX XXXX XXXX that required XXXX to repair and no work or any physical anything ( 6 months can't lift or use the XXXX  where there is over 1 pound of weight involved, and prior had a 3 month stint of having my XXXX  completely immobilized and prevented from moving/using ). 
As XXXX XXXX XXXX XXXX that is an XXXX  XXXX, when i am not able to work - I can't make any money. Therefore there was a period of time where i was getting behind on some things as i waited and jumped through the necessary hoops for my XXXX insurance to kick in or payout. 
But as a XXXX XXXX XXXX to have recieved credit card offers after credit card offers from Citi Bank - where I was completely accepted for a credit line of {$1500.00} - {$2000.00} + between the two credit cards with Citi Bank alone. Of course when i was working and things were going well. But the second i get hurt and can not work or income lessons they close my accounts completely, thus causing my debt to credit available go completely down and further looking worse for me when trying to obtain other financing or credit for both the business itself and me & my family personally.

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 2020-03-17 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: GA

Complaint narrative:
A document titled " Equifax Credit File '' I received in XX/XX/XXXX from Equifax in response to my request for my file disclosure contained two tradelines that contained information that was related to the same information that Equifax had agreed to delete from my file. I brought this to the attention of Equifax within 30 days of receiving the document ( letter attached ). I never received a response. I requested another file disclosure in XX/XX/XXXX and finally received a document titled " Equifax Credit FIle '' dated XX/XX/XXXX. It still contained the same two tradelines that should have been deleted from my file. The attached letter is being submitted again to remind Equifax of its duty to remove information related to a tradeline it had agreed to delete. The attached dispute letter is being submitted again via this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: UPGRADE, INC.
State: MS

Complaint narrative:
I have been constantly emailing this company since XXXX or XX/XX/2019 ... ... .each time I contact them I am given the run around. Its been 6 months already and I have provided them with every document they requested from me. This company is awful and is not doing the proper investigation in a timely matter. I have filed a police report and the bank account that was used has been closed. I went back to the police department because this company claimed they couldnt verify the police report was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items for my report. 

XXXX XXXX  XXXX XXXX {$800.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$280.00} XXXXXXXX XXXX  XXXX {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items for my report. 

XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$220.00} XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 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: AL

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I don't understand what is going on, but these items are not mine and the all need to be deleted from my credit report. 

XXXX XXXX XXXX {$51.00} XXXX   XXXX {$360.00} XXXX XXXX {$360.00} XXXX  XXXX {$260.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$1300.00}

Company response to consumer: Closed with explanation