vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX   Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX.Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 



General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX  Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 



General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX/XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated 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 2020-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota is inaccurately reporting on my credit report.I have contacted the Credit Reporting agencies and Toyota continues to report. See attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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:
I have express mailed my dispute letter, FTC report, and police report to XXXX  at XXXX XXXX  XXXX XXXX, TX XXXX since XX/XX/XXXX regarding a fraudulent account XXXX XXXX XXXX # XXXX reporting date opened XX/XX/XXXX balance {$10000.00}. I have called XXXX  and opened a dispute with a representative on XX/XX/XXXX after mailing my documents. After calling to check to status of my dispute with XXXX  each time I call XXXX  representative keep reopening new dispute which is prolonging my results on my original disputes. I am requesting a complaint to be forward over to XXXX  fraud department supervisor or higher to combine my disputes with XXXX XXXX and complete my results with my original mailed in dispute data as of XX/XX/XXXX FTC report. I have also twice uploaded supporting documentation with Report Number : XXXX Date Generated : XX/XX/XXXX. Please I have called everyday once a day to get help with this fraudulent account 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 2020-05-15 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: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I have express mailed my dispute letter, FTC report, and police report to XXXX  at XXXX XXXX  XXXX XXXX, TX XXXX since XX/XX/XXXX regarding a fraudulent account IQ DATA XXXX # XXXX reporting date opened XX/XX/XXXX balance {$10000.00}. I have called XXXX  and opened a dispute with a representative on XX/XX/XXXX after mailing my documents. After calling to check to status of my dispute with XXXX  each time I call XXXX  representative keep reopening new dispute which is prolonging my results on my original disputes. I am requesting a complaint to be forward over to XXXX  fraud department supervisor or higher to combine my disputes with IQ DATA and  complete my results with my original mailed in dispute data as of XX/XX/XXXX FTC report. I have also twice uploaded supporting documentation with Report Number : XXXX Date Generated : XX/XX/XXXX. Please I have called everyday once a day to get help with this fraudulent account IQ data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Fairway Independent Mortgage Corporation
State: PA

Complaint narrative:
XXXX XXXX/FAIRWAY IND unlawfully pulled my credit with unauthorized purpose. I tried resolving through the credit bureau and directly with the furnisher of information but they are ignoring my request. I am demanding XXXX XXXX/FAIRWAY IND to produce proof of permissible purpose by me or remove the inquiry from my credit reports immediately. 
. 
. 
. 
Inquiry on my credit report : FAIRWAY INDE Inquiry Date : XX/XX/XXXX ; FAIRWAY INDE Inquiry Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: CA

Complaint narrative:
I was a victim of the data breach, had his information sold on the dark web on XXXX XXXX  data breach, and had to sue a dealership for fraud as well. 

I sent a 605B affidavit with a police report showing the numerous amounts of fraud with the information of the multiple breaches. This 605b FTC affidavit was sent to all 3 credit bureaus XXXX, XXXX, AND EQUIFAX. This FIRST affidavit was sent back in EARLY XXXX of XXXX. 

XXXX  respected the 605b/police report and had all of the fraud removed off my credit report. 

EQUIFAX did NOT respect the 605b/police report and the XXXX XXXX credit card ending in XXXX that had fraudulent activity was NOT removed. 

XXXX did NOT respect the 605b/police report and 3 credit cards that had fraudulent activity on them were NOT removed even though the police report and 605b showed the FRAUD. The 3 cards in  mention are by the following creditors XXXX XXXX ending in XXXX ( same as previously mentioned ) XXXX  XXXX card ending in XXXX and XXXX XXXX starting with XXXX. 

I spoke with both XXXX  and EQUIFAX they said the verbiage in the 605b wasn't correct for the TYPE of Fraud i was reporting. 

I have sent a NEW 605b affidavit and the same police report on XX/XX/XXXX, XXXX  still has NOT removed the 3 accounts in mention and EQUIFAX still has NOT removed the one account in mention. THEY DIDNT EVEN START a dispute till XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX Portfolio Recovery Associates, LLC XXXX XXXX  XXXX XXXX, CA XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified that ( I owe XXXX  XXXX {$430.00} ). Yet again, you have failed to provide me with a copy of any viable evidence, bearing my written signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

I am again formally requesting a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay you the alleged amount. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : whether you are licensed in my state and if so, provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 14 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Oklahoma Student Loan Authority
State: CA

Complaint narrative:
I was on an ICP working towards loan forgiveness when I lost my job I called and was advised to switch to a financial hardship plan, which I did ... 
What I did NOT KNOW was that this would halt all of my payments moving towards loan forgiveness, when I discovered this, I switched back to the original plan, setting me back about 12yrs towards loan forgiveness, causing me to have to start all over again. All under THEIR GUIDANCE & SUGGESTIONS- This loan is over 22yrs. I am constantly being given the wrong information. Last month I was told that under the WE CARE act that any payments I make will go towards the principal balance. When I called a week later to discuss how to ask a question about that, they told me that wasnt true, it only goes towards your interest. Then when I pushed further to speak to her superior she told me that I only have 1.5yrs left on the loan. I asked for that to be put in writing with the exact date since everytime I call its different information.Then next day I was informed its 11.5 years. and that they can't put anything in writing. I was also told that there is no incentive for them to work this out with me since its a government loan and they will have to pay it eventually. When I complained to my congresswoman, she said just work towards loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: NY

Complaint narrative:
On XX/XX/2020 i submitted a dispute letter to XXXX  in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays transunion recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 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 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
On XX/XX/XXXX, I lost my job due to the impact from the widespread COVID-19 shutdowns. I immediately contacted Freedom Mortgage to discuss my issue and requested a forbearance. I was granted the forbearance over the phone and also instructed to make either whole or partial payments as my financial situation let me. On XX/XX/XXXX, a letter was sent out by them stating that I was in a forbearance through XX/XX/XXXX. It also stated that any partial payments would not be applied to my account and instead held in an interest free account until the end of the forbearance period. On XX/XX/XXXX, I contacted their customer service and was told that my loan payment due XX/XX/XXXX is still not paid and is still due. I reminded the lady that I was in a forbearance and it was not due. She backed off, but not before saying that my loan was going to go into foreclosure at the end of the forbearance. I asked if they were following federal guidelines on this and she then said I could request for the forbearance to continue after the initial period of XX/XX/XXXX. This is a horrible organization that uses bully tactics to intimidate their customers.

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 2020-05-15 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: CA

Complaint narrative:
I recently applied for a XXXX XXXX credit card and when they ran my credit they said I was not approved and I would receive a letter in the mail with the details of why I got denied. Today XX/XX/2020 I received the letter and it said that the reason I was not approved was that I had one or more accounts in negative standing. I know I don't have any negative accounts on my credit so I got a copy of my credit report and there are three accounts with negative payment history that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. I have never had an account with any of these companies nor am I affiliated to them in any way. I have no idea who opened these accounts in my name without my permission but I did not benefit anything such as money, goods or services and I never made any payment towards any of these accounts. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was surprised to find out week fargo discontinued their secured credit card and would like to know why it was a good product to help establish 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 2020-05-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
I am requesting a 2nd independent review for a loan modification. I would like to be considered for a loan modification that does not consist of a balloon payment which is not in my best interest. I have monthly income. XXXX and XXXX borrowers have disproportionately received and are offered high cost, high risk mortgages such as balloon payments. Even though I am an XXXX XXXX in a predominately XXXX XXXX neighborhood, I know there are better options. I have friends that are not minorities in a similar situation that I am in that were offered much better terms from SLS/XXXX XXXX XXXX. 
I have asked you to call me on several occasions, since XX/XX/XXXX in regards to this loan. No one can explain to me to the loan documents that were sent. All I know is that it is a balloon payment. Your customer service reps tell me to contact my attorney. I have attached the letter from my attorney and he cant figure it out either. He told me to contact you. I have called on 6 different occasions and was informed a rep would call me back. On XX/XX/XXXX I called and was informed that your rep called me on XX/XX/XXXX. They claim the phone went to voicemail and they did not leave a message. How convenient. I checked my call log and do not have a missed call from the number. 
I requested a loan modification on XX/XX/XXXX. I sent in all the documents on XX/XX/XXXX. My attorney received a letter dated XX/XX/XXXX with an approved modification for a balloon payment. It does not make sense and the numbers dont add up which is why I was requesting a call back. You did not consider my income or ability to pay when offering the worst loan possible. You made a decision before I sent in financial documents. That is a travesty and the exact same thing that happened during the mortgage crisis of XXXX-XXXX. I am asking you to consider ALL modification options. I have income and have the ability to pay. We are in a pandemic and I would like to be considered for all options to keep my home.

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 2020-05-15 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: CA

Complaint narrative:
I recently applied for a XXXX XXXX credit card and when they ran my credit they said I was not approved and I would receive a letter in the mail with the details of why I got denied. Today XX/XX/2020 I received the letter and it said that the reason I was not approved was that I had one or more accounts in negative standing. I know I don't have any negative accounts on my credit so I got a copy of my credit report and there are three accounts with negative payment history that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. I have never had an account with any of these companies nor am I affiliated to them in any way. I have no idea who opened these accounts in my name without my permission but I did not benefit anything such as money, goods or services and I never made any payment towards any of these accounts. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau.

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 2020-05-15 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: CA

Complaint narrative:
I recently applied for a XXXX XXXX credit card and when they ran my credit they said I was not approved and I would receive a letter in the mail with the details of why I got denied. Today XX/XX/2020 I received the letter and it said that the reason I was not approved was that I had one or more accounts in negative standing. I know I don't have any negative accounts on my credit so I got a copy of my credit report and there are three accounts with negative payment history that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have never had an account with any of these companies nor am I affiliated to them in any way. I have no idea who opened these accounts in my name without my permission but I did not benefit anything such as money, goods or services and I never made any payment towards any of these accounts. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau.

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 2020-05-15 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: MO

Complaint narrative:
I had never been late on my credit report ever. XXXX, Equifax, and XXXX  is reporting late payments from XXXX Credit Card, XXXX XXXX Credit Card and XXXX Credit Card. Also Equifax, XXXX, and XXXX is reporting 2 closed accounts that listed as XXXX XXXX XXXX   Credit Card, and XXXX Credit Card.All these negative remarks are on my credit profile due to the outburst of Coronavirus. I really don't believe it's right for consumers like myself have to pay the price of having his credit destroyed due to natural disaster like Coronavirus.

Company response to consumer: Closed with explanation