vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 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: PA

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I received an offer from XXXX to settle my account by XX/XX/2019 for {$1400.00}. I called to accept XX/XX/2019 at XXXX XXXX. XXXX. XXXX XXXX refused to forward me to an Account Manager for final resolution despite my numerous requests and disconnected. 
4 months later, I received a letter from Midland Credit Management stating they had taken over collection of my previous account and were seeking payment of {$4600.00}. Since I do not owe this amount and agreed to an offer from XXXX in the amount of {$1400.00} denied by XXXX XXXX, XXXX customer rep. 
I did all I could to resolve and settle this account XX/XX/2019. The fact XXXX was unable and neglected to accept resolution is on them. I am fine if they want to erase all claimed debt on this account since it has been bungled by their agents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I had a {$500.00} balance on a credit limit of {$5000.00}. I keep it paid on time every month for at least 7 years, NEVER late. Due to the CoronaVirus, when my payment was due on XX/XX/XXXX, I missed it when I was dealing with my loss of job and didn't make the payment online on time. When I realized that it was late, I made an immediate payment of {$100.00}. I feel that it was unfair for XXXX  XXXX XXXX to report this to the credit bureau, which dropped my FICO by 25 points. I have NEVER been late, please!!! remove this from my credit report as a ONE TIME LATE PAYMENT.!. I am begging for XXXX  XXXX XXXX to do this. Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
Mailed payment for XXXX XXXX Received call after XXXX XXXX  XX/XX/20 from Homepoint where is the payment? They claimed they never received it. I told them I would investigate. I called them back the next day and advised it was NOT presented and would THEY check their system. THEY ASSURED ME THEY checked everywhere and THEY had no check. THEY ASKED for payment and I gave them another check because of THEIR ASSURANCE to me the check could be found nowhere in their system I issued one with a requirement that if my first check was found they would not deposit it otherwise I would have problems with a potential return for insufficient funds. I asked them to SAVE the call. Well low and behold XXXX XXXX they deposited a SECOND check. That check bounced and I was charged a fee. Then I received a collection notice FROM THEM with a {$25.00} fee and a demand for payment! When I contacted them they were not receptive. In fact rather direct in educating me that's the policy. I demanded review and call back but received neither. realizing they are a debt collector I waited until today and called back. I guess debt collectors can not get out of the mold. I Got the same " education '' and while they waived the fee as a one time courtesy but being cognizant of how they operate they were only intetested in payment.my opinion they REALLY COULD CARE LESS. Basically brushed my concern off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
unathorized use of my account wells fargo closed checking account and did no investigation. wells fargo does not make your account safe. after all the fraud and eligal use of persons info by fargo. i have filled suit against fargo along with 12 other account holders

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My legal name is XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX is not associated with me and should be removed from the credit report ). 

I've never resided nor have I been associated with the address as shown on the report of XXXX XXXX XXXX, XXXX, XXXX, IL XXXX and XXXX XXXX XXXX, XXXX, IL XXXX ( this should be removed from the credit reports ). 

I've been associated with telephone number XXXX only ( all other numbers shown on the credit report should be removed ). 

I habe tons of credit report inquiries on my credit reports that I did not request ( these accounts should be removed )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My legal name is XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX is not associated with me and should be removed from the credit report ). 

I've never resided nor have I been associated with the address as shown on the report of XXXX XXXX XXXX, XXXX, XXXX, IL XXXX and XXXX XXXX XXXX, XXXX, IL XXXX ( this should be removed from the credit reports ). 

I've been associated with telephone number XXXX only ( all other numbers shown on the credit report should be removed ). 

I habe tons of credit report inquiries on my credit reports that I did not request ( these accounts should be removed )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
This debt is reporting with a third party collector called, Diversified Consultants. I called this agency many times within the last two months, but no answer. I think they are out of business. Then I called XXXX  ( aka XXXX XXXX ) and they too are not answering calls. Both phone numbers I have for them of XXXX and XXXX aren't working. No one answers. This debt is not mine of {$210.00}. I have an active account with XXXX   where I pay monthly, and I don't have any past due balances with them. I am asking that you remove this debt completely from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
XX/XX/2011 account was closed or charged off, ask them if i pay what was owed if they remove it off my credit report they said no because it was charged off too another company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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 have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$570.00} DEPEDXXXX  XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXXDEPT OF ED XXXX {$10000.00} XXXX  XXXX  XXXX {$170.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX 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 2020-04-07 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 have the app XXXX  XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$510.00} XXXX XXXX {$570.00} DEPEDXXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXXXXXXDEPT OF ED XXXX {$10000.00} XXXX XXXX XXXX {$170.00} XXXX XXXX   XXXX {$460.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX 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 2020-04-07 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 trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$220.00} XXXX  XXXX {$1400.00} XXXX XXXX {$140.00} XXXX XXXX XXXX {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I sent this company numerous communications but all they ever did was sent me a invoice.This collection, originally reported by XXXX XXXX XXXX was removed by XXXX XXXX XXXX. This collection agency refuses to remove. It's even been updated to say IN DISPUTE. Why not say placed in error and remove it completely. This charge is the result of inaccurate billing and even though slow in doing so, was corrected by XXXX XXXX XXXX. 
Since this reporting is inaccurate, there is NO supporting docs that can be produced and fabricating an invoice is not appropriate. 
The truth also is that because of this companies failure to respond with requested support docs in a timely manner it is unfair that this is still allowed to be reported. 
I first requested an investigation back in XX/XX/2019 YET they failed to provide docs. 
CAN'T - NOT A VALID COLLECTION ATTEMPT I've sent numerous request for removal even certified mail but I get no response. 

SETTLED /PLACED IN ERROR/ PAID AS AGREED ( Accurate charges with XXXX XXXX XXXX =JUST ASK XXXX XXXX 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 2020-04-07 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: FL

Complaint narrative:
I have a XXXX  XXXX XXXX Credit Card showing on all of my credit bureaus that I never Had. 
It shows Charge OFF. 

I keep calling them I they keep transferring me to other departments, my last call with them was over one hour long. 

Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: FL

Complaint narrative:
I have a XXXX  XXXX XXXX Credit Card showing on all of my credit bureaus that I never Had. 
It shows Charge OFF. 

I keep calling them I they keep transferring me to other departments, my last call with them was over one hour long. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: FL

Complaint narrative:
I have a XXXX  XXXX XXXX Credit Card showing on all of my credit bureaus that I never Had. 
It shows Charge OFF. 

I keep calling them I they keep transferring me to other departments, my last call with them was over one hour long. 

Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: UT

Complaint narrative:
This is the timeline of events with XXXX Bank. 
XXXX, XXXX, I tried to update my email address with XXXX Bank because I was not receiving notices. The system did not update my email address. 

XXXX XXXX, I paid off the full balance of the card. 

XXXX XXXX, they assessed an annual fee and continued sending notifications ONLY to the email address I asked them to remove. 

XXXX XXXX XXXX, I received a letter letting me know my payment was late, so I went online and paid right away, and then followed up with a phone call, where the agent told me this would not report negatively on my credit. 

XXXX XXXX, found out they reported me as 30 days late. Contacted the center, was told they can not change this reporting. 

XXXX XXXX, Contacted them again, was hung up on. 

XX/XX/XXXX, contacted the executive offices and was assigned to an account rep. Case : XXXX, assigned to XX/XX/XXXX, XXXX left message -- he did not return my call XX/XX/XXXX, XXXX Left a message, call was not returned. 

XXXX, XXXX, left another message- a different rep called to tell me he was out and would call me when he got back. He never called. 

XXXX bank needs to take ownership of this issue and correct the issue. Please reference previous complaing : XXXX. This was NOT resolved in 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: UT

Complaint narrative:
This is the timeline of events with XXXX Bank. 
XXXX, XXXX, I tried to update my email address with XXXX Bank because I was not receiving notices. The system did not update my email address. 

XXXX XXXX, I paid off the full balance of the card. 

XXXX XXXX, they assessed an annual fee and continued sending notifications ONLY to the email address I asked them to remove. 

XXXX XXXX XXXX, I received a letter letting me know my payment was late, so I went online and paid right away, and then followed up with a phone call, where the agent told me this would not report negatively on my credit. 

XXXX XXXX, found out they reported me as 30 days late. Contacted the center, was told they can not change this reporting. 

XXXX XXXX, Contacted them again, was hung up on. 

XX/XX/XXXX, contacted the executive offices and was assigned to an account rep. Case : XXXX, assigned to XX/XX/XXXX, XXXX left message -- he did not return my call XX/XX/XXXX, XXXX Left a message, call was not returned. 

XXXX, XXXX, left another message- a different rep called to tell me he was out and would call me when he got back. He never called. 

XXXX bank needs to take ownership of this issue and correct the issue. Please reference previous complaing : XXXX. This was NOT resolved in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: UT

Complaint narrative:
This is the timeline of events with XXXX Bank. 
XXXX, XXXX, I tried to update my email address with XXXX Bank because I was not receiving notices. The system did not update my email address. 

XXXX XXXX, I paid off the full balance of the card. 

XXXX XXXX, they assessed an annual fee and continued sending notifications ONLY to the email address I asked them to remove. 

XXXX XXXX XXXX, I received a letter letting me know my payment was late, so I went online and paid right away, and then followed up with a phone call, where the agent told me this would not report negatively on my credit. 

XXXX XXXX, found out they reported me as 30 days late. Contacted the center, was told they can not change this reporting. 

XXXX XXXX, Contacted them again, was hung up on. 

XX/XX/XXXX, contacted the executive offices and was assigned to an account rep. Case : XXXX, assigned to XX/XX/XXXX, XXXX left message -- he did not return my call XX/XX/XXXX, XXXX Left a message, call was not returned. 

XXXX, XXXX, left another message- a different rep called to tell me he was out and would call me when he got back. He never called. 

XXXX bank needs to take ownership of this issue and correct the issue. Please reference previous complaing : XXXX. This was NOT resolved in 30 days.

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