vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 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: OH

Complaint narrative:
I need some help over a few issues on my credit file. My name is XXXX XXXX is have a few late payments that happened during the COVID SHUTDOWN. One was with my mortgage XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. I was not working and I had requested a deferment of my mortgage payment. The dates were XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving buy a new property. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations. I would like the late payment removed. 
I also have a unverified account from XXXX XXXX XXXX XXXX # XXXX. I never had any contracts or dealings with XXXX XXXX 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 2020-09-18 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: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I pulled my credit to find that TransWorld Systems Inc. has a Debt on my credit report that is erroneous. It states I have a balance of {$3500.00} as of XX/XX/2020. However Prior to my moving out the address in question my account balance was less than ( {$100.00} ) see attached. This is nothing more than predatory debt collector attempting to take advantage of people during the COVID-19 pandemic crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I pulled my credit to find that XXXX XXXX XXXX has a Debt on my credit report that is erroneous. It states I have a balance of {$3500.00} as of XX/XX/2020. However Prior to my moving out the address in question my account balance was less than ( {$100.00} ) see attached. This is nothing more than predatory debt collector attempting to take advantage of people during the COVID-19 pandemic crisis.

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 2020-09-18 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: NY

Complaint narrative:
Date XX/XX/20 Attn : CFPB Consumer Relations Department To Whom It May Concern I am reaching out because as of now, I did not receive any response or notice from three Bureaus Credit Reporting Agencies for my disputes with them. They are stating that these accounts are under investigation. But I still have not received any updated letter from the Beaurus and creditors. 
Inaccurate account information, balances, last payment status, and default dates for all the accounts listed below are being shown. The agencies investigated it, but I did not hear back from credit report agencies and creditor. 
I have listed out the accounts and my reasons for disputing them below. Since this is my second request with CFPB to resolve this matter, I am expecting to receive responses in a timely manner this time. Thank you for your help in this matter. Please see my list for dispute below : ( A ) Credit reporting agency name : EQUIFAX Alleged account # ( 1 ) XXXX Creditor XXXX   XXXX, account type : Revolving. 
( 2 ) XXXX XXXX XXXX, account type Revolving. 
( 3 ) XXXX Creditor XXXX  account type revolving. 
( 4 ) XXXX Creditor : XXXX account type Revolving ( 5 ) XXXX  XXXX Creditor PORFOLIO Account type : Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: MI

Complaint narrative:
Notified Experian about 2 state of Michigan open child support accounts were inaccurate reporting as a charge offs but in fact are open. They did not a proper investigation, and said the accounts were verified as accurate. I have proof that these accounts are open and I have made all my payments on time. State of Michigan Account # XXXX. And State of Michigan account # 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 2020-09-18 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: NY

Complaint narrative:
Date XX/XX/20 Attn : CFPB Consumer Relations Department To Whom It May Concern I am reaching out because as of now, I did not receive any response or notice from three Bureaus Credit Reporting Agencies for my disputes with them. They are stating that these accounts are under investigation. But I still have not received any updated letter from the Beaurus and creditors. 

Inaccurate account information, balances, last payment status, and default dates for all the accounts listed below are being shown. The agencies investigated it, but I did not hear back from credit report agencies and creditor. 

I have listed out the accounts and my reasons for disputing them below. Since this is my second request with CFPB to resolve this matter, I am expecting to receive responses in a timely manner this time. Thank you for your help in this matter. Please see my list for dispute below : Credit reporting agency name : EXPERIAN Alleged account # ( 1 ) XXXX Creditor XXXX   XXXX, account type : Revolving. 

( 2 ) XXXX XXXX XXXX, account type Revolving. 

( 3 ) XXXX Creditor XXXX  account type revolving. 

( 4 ) XXXX creditor XXXX, account type revolving.

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 2020-09-18 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: NY

Complaint narrative:
Date XX/XX/20 Attn : CFPB Consumer Relations Department To Whom It May Concern I am reaching out because as of now, I did not receive any response or notice from three Bureaus Credit Reporting Agencies for my disputes with them. They are stating that these accounts are under investigation. But I still have not received any updated letter from the Beaurus and creditors.

Inaccurate account information, balances, last payment status, and default dates for all the accounts listed below are being shown. The agencies investigated it, but I did not hear back from credit report agencies and creditor.

I have listed out the accounts and my reasons for disputing them below. Since this is my second request with CFPB to resolve this matter, I am expecting to receive responses in a timely manner this time. Thank you for your help in this matter. Please see my list for dispute below : Credit reporting agency name : TRANSUNION Alleged account # ( 1 ) XXXX Creditor XXXX XXXX, account type : Revolving. 

( 2 ) XXXX Creditor XXXX, account type Revolving. 

( 3 ) XXXX Creditor XXXX  account type revolving. 

( 4 ) XXXX Creditor XXXX RE ( Original creditor 08 XXXX XXXX XXXX  ) Account type : Collection

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 2020-09-18 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: PA

Complaint narrative:
This complaint is in reference to a problem with Transunion Credit Bureau 's investigation into an existing problem. To explain, upon request for free copies of all three credit reports via XXXX  XXXX XXXX, I discovered an account with an adverse history previously reported by XXXX XXXX  did appear on more than one of the reports. Thus, XX/XX/XXXX via certified mail, I notified Transunion, XXXX, and XXXX  Consumer Reporting Agencies regarding an item reported by creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Because the first delinquency reported by XXXX occurred seven years ( 7 ) years prior, more specifically, XX/XX/XXXX, I did provide a copy of a previous Transunion Credit report dated XX/XX/XXXX, and a previous XXXX  report dated XX/XX/XXXX which verifies my claim that the first delinquency reported by XXXX was in fact XX/XX/XXXX as noted on both credit reports. Therefore, I requested that the account be deleted per the statute of limitations. On the positive side, an investigation was conducted by Transunion, XXXX, and XXXX  and the results were mailed to me. Notably, XXXX  and XXXX  Credit Bureaus deleted the item ; however, on the negative side, Transunion did not remove the item. Moreover, Transunion verified the item as accurate. In addition, the report shows that the account will remain on my Transunion file until 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 2020-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On XXXX XXXX, I XXXX XXXX XXXX purchase a XXXX XXXX XXXX from XXXX XXXX XXXX finance through Ally. I have contacted Ally several time concerning the 20 % interest rate. On XX/XX/XXXX, the covid -19, came I requested a relief which was for four months and the payment suppose to be put at the end of the loan. On XXXX XXXX requested from XXXX XXXX XXXX to cancel the extended warranty it was cancel payment sent to ally in the amount of {$1800.00} Ally applied the fund to interest not the principal. On XXXX XXXX I request XXXX XXXX XXXX cancel the Gap plan which was cancel and the amount of {$860.00} sent to Ally this payment amount went to the principal balance but not the {$860.00} only {$420.00}. My principal balance to Ally was XXXX now XXXX. I requested Ally to correct this matter but as of today no correction made also requested Ally to refinance the high interest rate they stated to me we don't refinance. This is a ripoff. 
Account # 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 2020-09-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I contacted Capital One about a fraudulent merchant which advertised a product online then shipped me a completely different product. After providing substantial evidence of the fraudulent merchant, Capital One reversed the original charge back and closed my case without any recourse except to work with the merchant. The merchant however is not responsive as they are running a scam operation. I have battled with both paypal for over 6 months and Capital One for 2 months without any relief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 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: AL

Complaint narrative:
Equifax seem to be refusing to remove the XXXX XXXX  accounts I already had dispute for removal. XXXX XXXX  sent me a response saying they will submit a request for removal from all three credit bureaus. Equifax has refused to do so and only updated the info as a existing debt. This continues to damage my credit file after I made complaints to have the accounts remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I recieved notification that the rewards feature of my card was being upgraded. This was presented as a feature change so I did nothing. Later I was notified that a new card was being sent to me. This made no sense to me as my current card was still good to 2023. 

My current card has been declared inactive by the rewards department and my contact information was changed to the rewards department XXXX number. This access to my account online management seems to border on hacking. 

I have spent hours trying to restore my account to its previous status and I have a complaint number but no action is being taken on my requests. Instead I am being told that a new card is on its way and my current card is cancelled. 

None of this is by my request and I do not understand why I am being attacked this way. Further I feel my data is not safe with this company but if I close this account they still have my data to do with as they please.

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 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I pulled my credit report and discovered I had a collections from XXXX on my credit report. I paid it on XX/XX/XXXX via my XXXX account. I mailed a Certified letter to Coast Professional on XX/XX/XXXX telling them that I paid this debt and could they update there records. They had 3 addresses and I sent the letter to all three. Please see the attached proof of mailing and receipts certified that they signed. Today XX/XX/XXXX I receive a notice XXXX which is garnishment for {$860.00}. This is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GSF MORTGAGE CORP
State: TX

Complaint narrative:
I applied with XXXX XXXX XX/XX/2020 on line. I talked with XXXX XXXX and submitted required documents after they ran my credit file. I had a pre existing approval months before and informed her about this and after she demanded I provided her with a new application and documents. She refused to continue the loan process and would not give reason for doing so.

I attempted to reach out the CEO XXXX XXXX who ignored my calls and emails. They encouraged staff not to interact with me and as of today have not provided anything in writing for there reason for refusing to do a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: IN

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute with Experian to correct information on my credit report. Those items are included in a screen shot I took of my Experian account. 

For starters, the dispute results were complete at XXXX, when Experian isn't open, which clearly means my dispute was sent overseas and not actually looked into. It was reduced to a code, sent through e-OSCAR, and returned from some source without actually being fairly adjudicated. 

Secondly, the bankruptcy came back as " verified with the source who provided the information ''. This is untrue as the U.S. Bankruptcy court DOES NOT supply or verify information with credit bureaus ; this is clear written on their website and was verified when I called my local Bankruptcy court in Indianapolis. As the U.S. Bankruptcy court has been placed on my report, they would need to verify my identity ; since they do not furnish data, they could not have verified the credit item. Therefore, it must be deleted. 

Finally, instead of deleting my XXXX XXXX Account, XXXX, they reclassified the account as a " personal loan '', which XXXX XXXX is an online store and not a lending institution.

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 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX congress gave you the right to report information on consumer but in that law it Also states that you must report correct information AXXXX XXXX XXXX accurate information. Something you are not doing you sit on your XXXX all day and push code back and forth to the credit bureaus with out verification of anything. The reason I know XXXX review your Response dated XX/XX/XXXX you certified that the closing date was reporting accurately which is a XXXXXXXX XXXX and XXXX  removed it. This also brings up another violation of the FCRA you shall not XXXX  to the credit agencies what the XXXX are you doing! 
XXXX next to the last statement of your letter also dont you be telling to contact The credit bureaus when I dispute because again you will be sitting on your XXXX pushing button again not verifying anything you are the source and I will be contacting you. By now you know who the XXXX sent this reframe from mailing XXXX CFPB have an awesome portal state your claim there please!!!!!! Look at the close date on XXXX and you lied about that mm mm mm you XXXX XXXX you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX congress gave you the right to report information on consumer but in that law it Also states that you must report correct information At XXXX  % accurate information. Something you are not doing you sit on your XXXX all day and push code back and forth to the credit bureaus with out verification of anything. The reason I know XXXX review your Response dated XX/XX/XXXX you certified that the closing date was reporting accurately which is a XXXXXXXX XXXX and XXXX removed it. This also brings up another violation of the FCRA you shall not XXXX to the credit agencies what the XXXX are you doing! 
XXXX next to the last statement of your letter also dont you be telling to contact The credit bureaus when I dispute because again you will be sitting on your XXXX pushing button again not verifying anything you are the source and I will be contacting you. By now you know who the XXXX sent this reframe from mailing XXXX CFPB have an awesome portal state your claim there please!!!!!! Look at the close date on XXXX  and you XXXX  about that mm mm mm you XXXX XXXX  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 2020-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
on XX/XX/2020 i paid {$690.00} to Portfolio Recovery Associates XXXX. I contacted them several weeks prior because i saw this account collection on my XXXX  report. I believed it to be an account I had with XXXX XXXX. When i had first called them I had brought that up and was not corrected. The account i paid for was for a XXXX card that went to collections, upon reviewing a dispute i filed through XXXX   It shows that this account in question was disputed and deleted on XX/XX/2020 - report number XXXX I paid on a debt that should not have been collected on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I have never received any notice from National Credit Systems regarding this debt. On XX/XX/2020 I sent them a request for a " VALIDATION OF DEBT '' letter ( copies attached ) and they received the item on XX/XX/2020. ( tracking info attached ) and to date have received nothing from this company. They continue to report this item on all 3 of my credit reports. Under the FDCRA while this item is being disputed it either needs to be removed or marked in Dispute.

This business currently has nearly 2627 complaints and going up, filed with the Consumer Financial Protection Bureau ( or CFPB ) and roughly 415 with the XXXX XXXX XXXX. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests.

Company response to consumer: Closed with explanation