vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 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: MI

Complaint narrative:
I contacted all three credit bureaus such as XXXX, XXXX, and Trans Union in XXXX and XX/XX/XXXX regarding the account with XXXX XXXX XXXX  was opened fraudulent. XXXX  XXXX is reporting it with the collection agency XXXX XXXX XXXX, XXXX. I also sent a letter to the creditor and the collection agency explaining the situation with supporting documentation. Credit Bureaus are still reporting the accounts and the creditor still say the accounts belong to me. XXXX XXXX XXXX ( XXXX ) XXXX {$1100.00}

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 2021-08-23 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: MI

Complaint narrative:
I contacted all three credit bureaus such as XXXX, Equifax, and XXXX XXXX in XXXX and XX/XX/XXXX regarding the account with XXXX XXXX XXXX  was opened fraudulent. XXXX XXXX is reporting it with the collection agency XXXX XXXX XXXX, XXXX. I also sent a letter to the creditor and the collection agency explaining the situation with supporting documentation. Credit Bureaus are still reporting the accounts and the creditor still say the accounts belong to me. XXXX  XXXX XXXX ( XXXX ) XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: MI

Complaint narrative:
I contacted all three credit bureaus such as Experian, XXXX, and XXXX XXXX in XXXX and XX/XX/XXXX regarding the account with XXXX XXXX XXXX was opened fraudulent. XXXX XXXX is reporting it with the collection agency XXXX XXXX XXXX, XXXX. I also sent a letter to the creditor and the collection agency explaining the situation with supporting documentation. Credit Bureaus are still reporting the accounts and the creditor still say the accounts belong to me. XXXX  XXXX XXXX ( XXXX ) XXXX {$1100.00}

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 2021-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There are some inquires for new credit cards and my cel phone company told me I am at risk since there was a data leak

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 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: GA

Complaint narrative:
I have a total permanent XXXX and my student loans have been discharged. 

I am having trouble getting the student loans ( 2 ) that I am a co-signer on deleted from my credit report. XXXX  XXXX BAL XXXX {$15000.00} and XXXX XXXX BAL : {$3300.00} On all 3 credit bureaus. 

I don't understand how these accounts can remain on my credit report when my own student loans have been discharged. There has to be a way to delete these items.

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 2021-08-23 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:
I have a total permanent XXXX and my student loans have been discharged. 

I am having trouble getting the student loans ( 2 ) that I am a co-signer on deleted from my credit report. XXXX  XXXX BAL XXXX {$15000.00} and XXXX XXXX BAL : {$3300.00} On all 3 credit bureaus. 

I don't understand how these accounts can remain on my credit report when my own student loans have been discharged. There has to be a way to delete these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: GA

Complaint narrative:
I have a total permanent XXXX and my student loans have been discharged. 

I am having trouble getting the student loans ( 2 ) that I am a co-signer on deleted from my credit report. XXXX  XXXX BAL XXXX {$15000.00} and XXXX XXXX BAL : {$3300.00} On all 3 credit bureaus. 

I don't understand how these accounts can remain on my credit report when my own student loans have been discharged. There has to be a way to delete these items.

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 2021-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Please see attached letter. 

I recently found out the unpaid principal balance for PHH Account Number was incorrect for the past 4 years after the discovery of an egregious error that would have never been found had I not challenged the HUD Claims that were advised would be included in The PHHMortgage Corporation Loan after completing a XX/XX/XXXX Loan Modification. The unpaid principal balance for the FHA PHH Mortgage Loan Account Number unpaid principal balance was over billed an additional {$21000.00} and PHH Mortgage received another {$21000.00} from HUD! I was grossly overcharged as I suspected! My original loan was {$240000.00} in XX/XX/XXXX. How do I owe $ XXXXand {$61000.00} totaling {$240000.00} as of XX/XX/XXXX? 

I received a letter dated XX/XX/XXXX from XXXX XXXX that states theunpaid principal balance for Account Number XXXX is now {$170000.00}. 

I previously received a letter dated XX/XX/XXXX from XXXX XXXX thatstated the unpaid principal balance for Account Number was {$170000.00}. 

I have also received multiple pay off notices : XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$180000.00}. 
XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$180000.00}. 
XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$270000.00}. 
XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$250000.00}. 

I have not received a detailed breakdown of every re-applied payment since XXXX through XX/XX/XXXX. There have been too many discrepancies and errors in how my loan modification and loan payments were calculated. I've received numerous calls from PHH Collections advising I owe various balances as high as {$79000.00} and misdirecting me to contact Relationship Managers who are inept in resolving the issue. I was also given direction to speak with a relationship manager for help with paying my loan balance even though I was not behind on my mortgage. 
I have paid my mortgage loan amount each and every month since XXXX. 
I wasdouble charged {$21000.00} in error and the interest PHH gained for those 4 years were not mentioned in the calculation of the new principal loan balance. I request for the HUD Partial Claims for {$40000.00} and {$21000.00} totaling {$61000.00} be paid by PHH Mortgage Corporation forthe egregious calculation errors and delays made by PHH Mortgage Services in the handling of both Loan Modification Agreements from XX/XX/XXXX and XX/XX/XXXX. 

I escalated this issue because I have not received a detailed breakdown of ALL reapplied mortgagepayments from XXXX to current date along with interest accrued from 4 years of being overcharged for the Principal Loan Amount from XXXX Loan Modification Agreement, double billed {$21000.00} and late charges billed that are included in the unpaid principal balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: MI

Complaint narrative:
I DID NOT MAKE HARD INQUIRIES. I CALLED EACH COMPANY AND THEY COULD NOT VERIFY WITH ME HOW IT HAPPENED. XXXX  HAS DELETED EACH INQUIRY. 

XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Furnishing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX/XXXX  Finance, personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/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 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
The company was LVNV Funding saying I owe them for something I didn't open

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have these items and i want them to be removed from my credit. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: VA

Complaint narrative:
I have these items and i want them to be removed from my credit. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft GLOBALLEND Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft GLOBALLEND Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft GLOBALLEND Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The Credit Bureaus known as XXXX, XXXX, and Experian are still reporting old inquiries from more than 2 years ago. these inquiries are hindering me from get approved for a new line of credit. I demand these inquiries need to be deleted immediately. 

Furthermore XXXX, XXXX, and Experian are reporting addresses that I never resided at. The addresses " XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' nee

ds t o be removed from my credit report immediately. 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You have violated 15 USC 1881 ( 4 ) for that reason your inaccurate reporting hurt my ability to obtain new credit.

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 2021-08-23 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: NC

Complaint narrative:
I submitted a dispute regarding incorrect information on my credit report to Transunion ( which was received on XX/XX/2021 ) with an inquiry to some information I wanted more information on. I submitted another dispute ( received in XXXX ) requesting for them to remove information that was incorrect from the investigation they sent me from my dispute in XXXX. Instead of removing the information they sent me from my XXXX dispute that was in conflict with the other credit bureaus, they updated the information. I don't understand how they could update information they already said was verified as accurate. In my XXXX dispute, I also requested that they send me proof of validation, which they did not.

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 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Case Number : XXXX Redlin Fitness inadvertently charged my Capital One card in the amount of {$280.00} not once but twice. 

When XXXX XXXX promised to refund both charges and only one processed, I filed a dispute with Capital One. 

Capital One saw his mistake and properly credited my account in the amount of {$280.00}. 

However, Capital One later saw the single refund that was processed for the inadvertent XXXX charge and ran an unwarranted PURCHASE ADJUSTMENT for {$280.00}. 

In doing so, Capital One completely ignored the inadvertent XXXX charge in the amount of {$280.00} that failed to refund as promised. 

As a result, Capital One now shows a fraudulent charge in the amount of {$280.00}. While Capital One initially properly credited this amount, the company failed miserably and charging this amount back to my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/2021 I ordered furniture from XXXX XXXX XXXX. I uses Affirm to pay for the transaction. 

Time went by and no goods were received by me from XXXX XXXX XXXX. I received a call from Affirm where I explained that XXXX XXXX XXXX had no delivered the furniture. I said that it was not set to be delivered until XXXX of XXXX. I would then be happy to make a payment to them. 

I explained to them they were in violation of The Fair Credit Billing Act. They have refused to comply and have stated that they don't have to. 

They have reported this late to the credit Bureau, threatened to add late fees and terminate relationships with me because of this. I am not breaking the law they are. 

XXXX XXXX XXXX said they experienced delays as did other companies. Affirm should have waited for delivery or to say the least modified the payment schedule based on when the goods arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: CA

Complaint narrative:
DCM of phone number XXXX XXXX XXXX ) XXXX, called me regarding my recently deceased mothers debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have contacted all three credit bureaus ( XXXX XXXX , & XXXX  ) several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) via certified mail letters disputing errors on my credit report. The one in specific that I'm complaining about is Capital One Auto Finance. It is listed as a joint account under me and my wife name. This account does not belong to us. The credit bureaus has only sent responses saying it was valid/verified with no documentation bearing our signatures. I have also reached out to Capital One Auto Finance for validation ( XX/XX/XXXX & XX/XX/XXXX ) and they sent a generic letter that it was valid and another saying we didn't provide them with enough information, when we did. This is causing emotional distress and making it difficult for us to get approved for a mortgage. We need assistance with getting this off both of our credit reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I would like to ask you to reconsider my application for your Personal Line of credit. Application Number : XXXX. 
I recently applied and I was rather surprised to receive a denial regarding my application. Due to the numerous positive reviews shared by my family and friends with respect to this bank I would like to share some more information with you in hopes of obtaining an approval. In your letter, you listed that the reasons for the denial were : too many financial obligations against income. 
My income is $ XXXX. I have no idea why my income is an issue. I make more than enough to cover my monthly bills and then some. 
This doesnt make any sense when all of my cards are under 30 % utilization. For example, I have a $ XXXX credit limit on my XXXX XXXX XXXX XXXX cash rewards is only $ XXXX, which is 15 %. My XXXX XXXX card is {$200.00} balance out of {$3500.00}, which is only about 6 % utilization. The {$5000.00} personal line of credit will prove especially useful to me. Not only did I rebuild my credit within 6 months, but my stock portfolio weighs in at {$39000.00}. I also have accounts with XXXX XXXX, PenFed, and XXXX XXXX XXXX. If you are willing to give me a chance, you can even start me with a low credit line of {$5000.00} so I can prove to you my reliability and loyalty to this bank. My account balances are in excess $ XXXX to show Im worthy. I thank you for your time and reconsideration and I hope to hear back from you soon.

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