vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
I paid this account in a settlement I was told in exchange for the settlement the account will be removed from my credit report but it is still reporting I have tried to resolve this issue with the company directly and they refuse to talk to me by hanging up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late for XX/XX/XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to XXXX XXXX  and unfortunately the late was generated during the grace period for the payoff and consequently is now reporting in error. ( I have attached a copy of the letter dated XX/XX/XXXX from XXXX XXXX. ) Please note paragraph ( 4 ) of the letter stating beginning on XX/XX/XXXX payment, all future remittances should be sent to the address listed above. Because the payment was remitted to the new address well within the grace period for transferring a loan, this late that is reporting needs to be removed. This false reporting of a late is seriously harming my credit. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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:
Ive attempted numerous times over the course of 9 months to have the account named XXXX XXXX XXXX which is affiliated with XXXX XXXX XXXX account # XXXX be removed due to numerous inaccuracies that still have not been address and ignored. I even made a complaint on XXXX  and received no response. 
However, I recently received a response to a dispute regarding this account that I made to all credit bureaus under FCRA 611 ( a ) regarding an erroneous item on my credit report. I was deeply frustrated to see that somehow you verified the item, electing to leave it on my report. 
I am certain that the item I have disputed is incorrect and should be removed. I am hereby executing my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigation arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees you spoke to as part of this investigation. 
I am asking for this verification because my credit score is very important to me and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this. 
I expect to see a response within 30 days from todays date or I will expect to see the item in question permanently expunged from my record. 

In addition, Experian received my last complaint on XX/XX/2020 and did not respond until XX/XX/2020. Due to the untimely response exceeding the 30 days allotted time, it is my right that the item be deleted for no response within 30 days. 
Furthermore, I NEVER received any correspondence for the item in question from the creditor therefore this item has no place on my credit reports.

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 2020-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Unable to link accounts to my stock trading or savings platforms example XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX {$0.00} XXXX {$1200.00} XXXX {$0.00} XXXX {$1200.00} XXXX {$7300.00} XXXX {$54000.00} XXXX {$2000.00} XXXX {$1900.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$3300.00} XXXX {$580.00} XXXX {$2800.00} XXXX {$0.00} XXXX {$0.00} XXXX {$15000.00}

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 2020-06-11 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX {$0.00} XXXX {$1200.00} XXXX {$0.00} XXXX {$1200.00} XXXX {$7300.00} XXXX {$54000.00} XXXX {$2000.00} XXXX {$1900.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$3300.00} XXXX {$580.00} XXXX {$2800.00} XXXX {$0.00} XXXX {$0.00} XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: ID

Complaint narrative:
I spent 2 days submitting info to Prosper.com. They have it so you can sign in through email or password. So i get an email saying my loan had been denied and to log into prosper to find out why. Prosper closed my account BECAUSE the loan was denied and therefore gave no access to find out why. When i called they said that it was something about income verification and that the form i provided didn't meet their requirement. They literally told me to log into an account that they had closed. Didn't even try to get the proper verification for my financials. So they denied my loan over something that could have been rectified, closed my account so i couldn't fix this issue, then told me to check my prosper mailbox to find out why it was rejected AFTER THEY CLOSED MY ACCOUNT. Spent two days and many hours.

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 2020-06-11 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:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late for XX/XX/XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to XXXX XXXX  and unfortunately the late was generated during the grace period for the payoff and consequently is now reporting in error. ( I have attached a copy of the letter dated XX/XX/XXXX from XXXX XXXX. ) Please note paragraph ( 4 ) of the letter stating beginning on XX/XX/XXXX payment, all future remittances should be sent to the address listed above. Because the payment was remitted to the new address well within the grace period for transferring a loan, this late that is reporting needs to be removed. This false reporting of a late is seriously harming my credit. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-11 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:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late for XX/XX/XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to XXXX XXXX  and unfortunately the late was generated during the grace period for the payoff and consequently is now reporting in error. ( I have attached a copy of the letter dated XX/XX/XXXX from XXXX XXXX. ) Please note paragraph ( 4 ) of the letter stating beginning on XX/XX/XXXX payment, all future remittances should be sent to the address listed above. Because the payment was remitted to the new address well within the grace period for transferring a loan, this late that is reporting needs to be removed. This false reporting of a late is seriously harming my credit. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-06-11 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Submitted several letters asking for Proof of Debt, including request for signature or contract from said debt collector. They only responded with copies of old statements for original creditor, that debt was written off. There is no contract with current debt collector. Therefor no evidence of an agreement, contract or statements between myself and debt collector. I cite XXXX XXXX XXXX XXXX XXXX XXXX in this matter now and in a court of law. 
dates of letters : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4200.00} They have refused to remove from credit bureaus and have not verified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: TN

Complaint narrative:
Unauthorized hard inquiry that I did not consent to continue to report in credit report after 2 prior letters to both the lender and credit bureaus no response its been nearly 90 days since the last letter it has damaged my personal credit score 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 2020-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I had a loan with GM Financial. My husband was has XXXX XXXX and was in the hospital and ended up very sick for summer 2019. It caused us to get behind on our car payment. I stayed in touch with company and was working hard to catch up the payment. We were 30 days behind XXXX - XXXX and in XXXX in dropped to 60. In XXXX we got it all caught up but it dropped to 30 days behind again in XXXX and they repossessed it without warning. I was devastated because it felt like we were making payments every week to try to recover. My complaint is they repoed my car with only 30 days late and when I called on the day they took it to ask what I could do to pay to get it back, assuming I could pay past due or some repo fee they said FULL balance only to get the car. I don't have the money for the whole amount. They sold it without allowing me to get it back without paying the XXXX owed and then put over XXXX as a charge off on my credit. I don't know if that was illegal but it certainly felt unfair. We were trying and weren't that far behind. I would like this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$790.00} XXXX {$540.00} USDEPTEDXXXX {$22000.00} XXXX  {$22000.00} USDEPTEDXXXX {$8500.00} DEPTEDXXXXXXXX {$8500.00} XXXX {$1200.00} XXXX {$8500.00} XXXX {$0.00} XXXX {$20000.00} XXXX {$110000.00}

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 2020-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
XX/XX/2020, Flagstar Bank called me in regards to my mortgage that is in Forbearance from CARES act related to COVID. XX/XX/2020, I returned the call and spoke to a gentleman who identified himself as a collection agent with Flagstar. He informed me that I had a past due balance. I told him I was in forbearance. He said " just because you are in forbearance doesn't mean you can't make payments. '' I told him, actually yes it does. I am in forbearance due to COVID via the CARES act. He said what is the CARES act? That isn't a thing. He then told me I owe XXXX, and then said how would I like to make payment ... check, bank transfer. I cut him off at that point and told him that I was not obligated to make a payment and that I was now recording the call. He said " thanks for letting me know you are recording me without telling me. '' And then he hung up. 

I called Flagstar back and spoke to a supervisor. I told XXXX what happened and that I consider that behavior predatory and aggressive. He repeated those words and said he agreed. He told me they are supposed to call to see if anything has changed in regards to my need for forbearance, not anything more. He also told me their investors want them to call us twice a month. I then shared no, according to CARES/XXXX  you can not contact me that often. He then said yes you are right, we are allowed to contact you at most every 21 days. Which said to me, even he was being misleading. 

Flagstar Bank is NOT following the guidelines of CARES and other guidances given to them. I want to make a formal complaint.

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 2020-06-11 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$790.00} XXXX {$540.00} USDEPTEDXXXX {$22000.00} DEPREDXXXX {$22000.00} USDEPTEDXXXX {$8500.00} DEPTEDXXXXXXXXXXXX {$8500.00} XXXX {$1200.00} XXXX {$8500.00} XXXX {$0.00} XXXX {$20000.00} XXXX {$110000.00}

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