vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital once sent me a letter regarding an account I made a payment settlement on. The letter stated that I missed a payment on the account ( Opened XX/XX/XXXX XXXX in XXXX of XXXX as the first date of delinquency. XXXX is showing a made payment for this account in XX/XX/XXXX, showing that XXXX was the first date of delinquency. I'm requesting the immediate removal of this account for inaccurate information furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX placed a collection account on my credit report in XX/XX/XXXX. They brought a XXXX suit against me ; however, the case was dismissed. The item remains on my credit report. The item should not be on my credit report and should have never been placed on my credit report. It needs to be removed. 

I disputed information regarding XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have provided supporting documentation each time to the credit bureau. The last time I disputed, I notified them that they could reach out to the court house to obtain proof that the case against me was dismissed. The collection item still remains on my credit report. 

This collection item needs to be removed completely 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 2021-05-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX placed a collection account on my credit report in XX/XX/XXXX. They brought a civil suit against me ; however, the case was dismissed. The item remains on my credit report. The item should not be on my credit report and should have never been placed on my credit report. It needs to be removed. 

I disputed information regarding XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have provided supporting documentation each time to the credit bureau. The last time I disputed, I notified them that they could reach out to the court house to obtain proof that the case against me was dismissed. The collection item still remains on my credit report. 

This collection item needs to be removed completely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
I have written several disputes to the credit bureaus and each time it comes back as verified accurate. 
All 3 bureaus are reporting a different Date Last Active. 

XXXX reports XXXX XXXX reports XXXX Equifax reports XXXX This is in Violation, needs to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
I have written several disputes to the credit bureaus and each time it comes back as verified accurate. 
All 3 bureaus are reporting a different Date Last Active. 

XXXX reports XXXX Experian reports XXXX XXXX  reports XXXX This is in Violation, needs to be removed asap

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 2021-05-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
A agreement was made with the company that if the vehicle was given back which was voluntary I will no longer be responsible for the vehicle spoke with someone and I was told I should not be liable for the vehicle because it was sold by the company

Company response to consumer: Untimely response
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I had internet and TV service with XXXX with a 24 month contract due to expire around XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX to terminate the contract early and was informed that I could but would be charged a termination fee of {$10.00} per month for the remaining months for a total of {$70.00}. I paid the {$70.00} for the TV service and the amount due for the internet in XX/XX/XXXX. I received no further response from them. My internet account was canceled when I ended the internet service that was only on an already expired 12 month contract. Around XX/XX/XXXX an account notification dated XX/XX/XXXX from Credence to collect a debt in the amount of {$230.00} stating that XXXX had placed that amount with them for collection. I responded by letter dated XX/XX/XXXX disputing the debt and requested documents verifying the debt attaching a copy of the bill I received from XXXX on XX/XX/XXXX. Credence refused to send any documentation explaining the charges, instead responded that they investigated the dispute and verified that the charges to my account were valid. They reported the debt to the credit reporting agencies on or about XX/XX/XXXX and refuse to remove it. If I receive explanation showing the the charges were correct, I have no problem paying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 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: CCS Financial Services, Inc.
State: UT

Complaint narrative:
Credit Collection Services is reporting an account on my credit file that needs to be removed. I recently took a look at my credit and noticed this account. I called and immediatley settled this account since I was not aware about any collections on file for myself. This account got settled but I was never given a 30 day right do dispute notice on this account. This is a violation under the FCRA and the FDCPA and for that I ask that they provide me with a deletion letter. I am aware that Credit Collection Services has the ability to remove any accounts since they are the furnisher. I have settled the debt and am now asking for a deletion letter to the bureaus stating this account should be removed from my credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX, Capital One closed my account. I was getting a loan for my Business. They was saying its Fraud. But its a LOAN which Im not understanding why its fraud. The amount should have been {$40000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: FL

Complaint narrative:
XXXX, XXXX, and Experian credit companies are not complying with their own policies in a timely manner.

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 2021-05-25 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: PNC Bank N.A.
State: IL

Complaint narrative:
I was under a forbearance program due to COVID, and at the conclusion on my forbearance period ( XX/XX/2021 ) I paid the full amount to bring my loan current. I looked at my credit and it shows the payment for XXXX of 2021 but still shows the previous months covered by the forbearance program as unpaid. 
I called PNC Bank and no one could give me any information about how long this would take to have updated. I asked to speak to a supervisor and was advised that I would have to take up the issue with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX placed a collection account on my credit report in XX/XX/XXXX. They brought a civil suit against me ; however, the case was dismissed. The item remains on my credit report. The item should not be on my credit report and should have never been placed on my credit report. It needs to be removed. 

I disputed information regarding XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have provided supporting documentation each time to the credit bureau. The last time I disputed, I notified them that they could reach out to the court house to obtain proof that the case against me was dismissed. The collection item still remains on my credit report. 

This collection item needs to be removed completely 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 2021-05-25 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: OH

Complaint narrative:
My issue is with Experian and I have called twice thinking another person may be able to help - but neither individual helped me. 

My credit score has consistently been in the XXXX 's and earlier this year is got to XXXX in XX/XX/2021. On XX/XX/XXXX, I had a hard inquiry by XXXX to my account which was fraudulent. 
I check my credit score fairly often especially during these times. I noticed on XX/XX/XXXX that this hard inquiry had been made and immediately filed a fraud dispute with Experian, contacted the other credit bureaus ( who did not have any inquiries ), put fraud alerts on my account and locked my credit. You can see I take this seriously. Experian removed the fraudulent claim and has continually failed to raise my credit score back to where it was prior to the fraudulent claim. They tell me the credit score is a mix of things, so they can't do that. Nothing has changed since XX/XX/XXXX except for that fraudulent claim. You can see from the other credit bureaus that still have my credit score in the very good area ( XXXX XXXX and XXXX  XXXX ). I don't want to see other consumers bullied like this by a credit bureau. Given the amount of fraud going on with Unemployment, SBA, etc ... We need credit bureaus behaving and working with individuals to keep what they have earned!

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 2021-05-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
At XXXX on XX/XX/XXXX. I called Equifax to dispute 5 Hard Inquiries reporting on my Credit report. And had spoken with someone from the dispute department named XXXX. 
Who said she sent out to the 5 Creditors notices of the reporting of the inquiries. Then once I told her I'm in the process of writing a complaint. She told me that I needed to file a police report. And that I needed to contact these creditors ( the burden of proof is the on reporting agency ).

I've been going back and forth about these 5 Hard Inquiries for months.

The places that are reporting the 5 Hard Inquiries. NEVER RESPOND BACK TO THE CREDIT BUREAUS. AND OR ME.

UNLESS IT'S IN THE FORM OF A LETTER STATING : " WE DO NOT HAVE YOUR INFORMATION ON FILE. PLEASE CONTACT US. '' Of which is obvious. Of course they don't have my information. Because I never applied for their services.

The 5 Hard Inquiries DO NOT HAVE THE FOLLOWING : 1. A SIGNATURE, 2. ANY ACCOUNTS ATTACHED, 3. PROOF OF VERIFICATION THAT I MADE ; AND OR, AUTHORIZED SUCH A HARD INQUIRY, AND 4. RELEVANTS TO ME. 
But yet still are reporting negatively on my credit report. 
XXXX gave me a confirmation number : XXXX. In regards to what she said she's done. 
Then at XXXX, I had spoke XXXX  ( the supervisor of dispute department ) Of which led to nothing happening. 
Be Advised : my Credit Report from Equifax will show past Hard Inquiries being deleted. Without all these extra steps they're putting me through now. 
XXXX also stated that she only had seen 5 Hard Inquiries ; period. In an attempt to cover up that Equifax had already deleted Inquiries in the past.

These 5 Hard Inquiries need to be removed : XXXX XXXX, Made on : XX/XX/XXXX XXXX XXXX, Made on : XX/XX/XXXX XXXX Made on : XX/XX/XXXX XXXX XXXX XXXX, Made on : XX/XX/XXXX XXXX XXXX XXXX, Made on : XX/XX/XXXX Please refer back to the dates and phone call with Equifax. Because it clearly illustrates both representatives from Equifax lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Debt have been settled on XX/XX/2021 and I still see it in my credit report. I called them and they kept on giving me ( same ) numbers from one office to the next cause no one seem to know how to help me yet the acct as per the operator was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 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: EOS Holdings, Inc.
State: UT

Complaint narrative:
EOS CCA is reporting an account on my credit file that needs to be removed. I recently took a look at my credit and noticed this account. I called and immediatley settled this account since I was not aware about any collections on file for myself. This account got settled but I was never given a 30 day right do dispute notice on this account. This is a violation under the FCRA and the FDCPA and for that I ask that they provide me with a deletion letter. I am aware that EOS CCA has the ability to remove any accounts since they are the furnisher. I have settled the debt and am now asking for a deletion letter to the bureaus stating this account should be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. i submitted my documents on XX/XX/2021!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
I have written several disputes to the credit bureaus and each time it comes back as verified accurate. 
All 3 bureaus are reporting a different Date Last Active. 

Transunion reports XXXX XXXX  reports XXXX XXXX  reports XXXX This is in Violation, needs to be removed asap

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 2021-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
The company ... Loan Care ... sent me a letter stating that the problem with them not applying my payment correctly was corrected ... It has NOT been corrected ... .my complaint previously thru you is # XXXX ... .I am having more problems and have received a letter stating that account has been corrected with a letter sent to me by XXXX XXXX XXXX of XXXX XXXX  and LOAN CARE .and that is NOT the case ... I can not log onto the website to check my account as it is preventing me saying I am past due with my payment ... again ... .not true ... ... please help me as my next step is legal ..this is causing me great anxiety and stress ... ..the mistake is from XX/XX/2021 and I can not understand how the problem is taking 4 months to correct ... My XXXX payment was received on 3-23 and incorrectly posted to principle ONLY ... .instead of principle and interest ... downhill from there ... all future payments have been sent but still posted incorrectly ....

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 2021-05-25 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: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
CONTACTED THE COMPANY NUMEROUS TIMES TO GET THIS ERROR UPDATED. Its reporting twice on my credit report. I have paid and settled this account but its still reporting monthly as a charge off, and its listed on my credit report twice. When I call they inform me when they switched from regular cards to chipped cards it ended up reporting twice on my report. I would like this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, TransUnion, and XXXX  credit companies are not complying with their own policies in a timely manner.

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 2021-05-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, XXXX, and XXXX  credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
XXXX XX/XX/XXXX Nationstar d/b/a Mr. Cooper has made it very difficult and impossible to resolve my mortgage problem. They have prolong the court hearing for NO REASON by stating DOCUMENTS INCOMPLETE. Which they original stated were turned in via Mr. Cooper website. I was kept in foreclosure and the fees tripled and the ROBO calls kept coming even though NO ONE would every pickup. I have written letters both to Mr. Cooper and other agency regarding in unfair treatment of this company. HUD and CFPB and XXXX XXXX. before COVID and even during this company has harassed me to send money without even giving me documents or legal counsel. We were in mediation and out of the blue I was getting calls from Mr. Cooper to sent in money. Your HELP will be greatly appreciated. Thank You FYI XX/XX/XXXX State Of Connecticut - Attorney General XXXX XXXX Settled past violations that affecting thousands of Mr. Cooper customers ( {$86.00} million ) This is my 3rd complaint I have filed regarding this company!!

Company response to consumer: Closed with explanation