vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 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: OH

Complaint narrative:
Hi, I sent letter requesting the original instrument of indebtedness for this account as it does not belong to me. Please provide Method of Verification and Validation of Debt for this account. In addition, the balance would be XXXX if the account was valet so there would be an error and not accurate. 

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 2020-05-20 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: OH

Complaint narrative:
Hi, I sent letter requesting the original instrument of indebtedness for this account as it does not belong to me. Please provide Method of Verification and Validation of Debt for this account. In addition, the balance would be XXXX if the account was valet so there would be an error and not accurate. 

XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit Bureaus : XXXX, TransUnion & XXXX are inaccurately reporting late payments on my credit report for XXXX XXXX in XX/XX/2014. I have never been late on this account.

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 2020-05-20 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: TX

Complaint narrative:
Credit Bureaus : XXXX, XXXX & Equifax are inaccurately reporting late payments on my credit report for XXXX XXXX in XX/XX/2014. I have never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has obtained inaccurate information from a third party vendor called XXXX. The information that XXXX sold to Experian was totally incorrect. XXXX realized their mistake and deleted this information. I have sent Experian a certified letter asking them to remove these dismissed Bankruptcies because XXXX has determined that the information was wrong. I have yet to hear from Experian. Enclosed is the proof of my letter, proof that XXXX removed the incorrect information and proof that XXXX is in fact the third party vendor that supplied this false information to Experian.

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 2020-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an auto loan in XX/XX/XXXX with Bank of America. I have always paid it on time, yet Bank of America reported to all 3 credit bureaus that I paid late in XXXX and XXXX of XXXX. 

I have a copy of my ACH automatic payment form that was submitted to Bank of America on XX/XX/XXXX, via the email address they gave me. 

During several phone calls, I have confirmed that the form was indeed received. 

However, Bank of America has continued to fail to withdraw the agreed upon payment via the ACH, and instead marked my account as paying late. 

When I received the late notices, each time I called and spoke to bewildered customer service reps who had me make payment over the phone, and told me they were sorry that they didn't withdraw via ACH as agreed. They told me to dispute the inaccurate late payments through the credit bureaus. 

So I disputed the false late payments as instructed, at all 3 major credit bureaus. 

And to my surprise, each late payment dispute came back as verified by Bank of America.

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 2020-05-20 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: CA

Complaint narrative:
I opened an auto loan in XX/XX/XXXX with XXXX  XXXX XXXX. I have always paid it on time, yet XXXX  XXXX XXXX reported to all 3 credit bureaus that I paid late in XXXX and XXXX of XXXX. 

I have a copy of my ACH automatic payment form that was submitted to XXXX XXXX XXXX on XX/XX/XXXX, via the email address they gave me. 

During several phone calls, I have confirmed that the form was indeed received. 

However, XXXX  XXXX XXXX has continued to fail to withdraw the agreed upon payment via the ACH, and instead marked my account as paying late. 

When I received the late notices, each time I called and spoke to bewildered customer service reps who had me make payment over the phone, and told me they were sorry that they didn't withdraw via ACH as agreed. They told me to dispute the inaccurate late payments through the credit bureaus. 

So I disputed the false late payments as instructed, at all 3 major credit bureaus. 

And to my surprise, each late payment dispute came back as verified by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: CA

Complaint narrative:
I opened an auto loan in XX/XX/XXXX with XXXX XXXX XXXX. I have always paid it on time, yet XXXX XXXX XXXX reported to all 3 credit bureaus that I paid late in XXXX and XXXX of XXXX. 

I have a copy of my ACH automatic payment form that was submitted to XXXX XXXX XXXX on XX/XX/XXXX, via the email address they gave me. 

During several phone calls, I have confirmed that the form was indeed received. 

However, XXXX  XXXX XXXX has continued to fail to withdraw the agreed upon payment via the ACH, and instead marked my account as paying late. 

When I received the late notices, each time I called and spoke to bewildered customer service reps who had me make payment over the phone, and told me they were sorry that they didn't withdraw via ACH as agreed. They told me to dispute the inaccurate late payments through the credit bureaus. 

So I disputed the false late payments as instructed, at all 3 major credit bureaus. 

And to my surprise, each late payment dispute came back as verified by 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 2020-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP
State: TX

Complaint narrative:
This was back before I XXXX to XXXX I wanted to cancel my loan contract and returned the vehicle but the car store and us bank refused to buy back the vehicle which is a violation of the SCRA rights ... us bank told me I wasnt allowed to do that before XXXX and I didnt have much time so I just kept the vehicle in my possession even when I gave them a copy of my orders ... I totally forgot about this situation but I did told them about my XXXX and they swept it under the rug ... its real sad they will do a XXXX XXXX and most of all a XXXX veteran like that

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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax has obtained inaccurate information from a third party vendor called XXXX. The information that XXXX sold to Equifax was totally incorrect. XXXX realized their mistake and deleted this information. I have sent Equifax a certified letter asking them to remove these dismissed Bankruptcies because XXXX has determined that the information they obtained was wrong. I have yet to hear from Equifax. Enclosed is the proof of my letter, proof that XXXX removed the incorrect information and proof that XXXX is in fact the third party vendor that supplied this false information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I asked for it out of my statement from when I got out of XXXX  on XX/XX/XXXX until XXXX the back-to-back they didn't really give me what I asked for but when I look down there it was very important very very apparent that there were two cars and I know I know that there was a woman on the inside had all the information to make sure and I'm pretty sure I know who who was out spending and one day she took {$780.00} out of my account and I wanted it shut down and they won't shut it down because I got a negative about any shows everywhere that she's so there's no place there's no way I can shop both places at the same time as activity 1 part of town and she as soon as this woman is still working and then I brought your attention and they said you can't cuz you got a negative violent the next track CC I want that count down right now and I want her arrested and she she's got it don't know who exactly who did it and she spent {$500.00} out of my account people that work down in the bank the one that helped me see how she made a card she had several cars on a repaired when you see the thing there it's apparent

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 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XX/XX/2012 my account with Bank of America and over the next two and a half or six individuals turn that over {$34000.00} and we're in my account paying the bills and taking them and their statements statements what's some address in XXXX XXXX I've never been to but I was in XXXX now time with all this going on I know when I can I filed one complaint and they said that they were list 8 release about a year but they won't release any cancel checks and all those checks are XXXX 's and don't have my signal and I'm suing them and I need the rest of the information they know they're holding back information the last year-and-a-half ago did XXXX said I got a deposit or anyting else and so I don't want to make them sure that they give me all the information of my hair it is 8 years later and I don't have all the info whenever my account now I don't understand and then they lied and said they didn't have it and it came up with it XXXX if we were at the XXXX XXXX Police department is investigating this and I've got a lawyer while I'm suing them when they're trying to settle out of court but I need that information cuz I've got to sue the other little to get my money I don't I can't be any clearer 8 years and it still won't give me the rest of the Bank of America

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 2020-05-20 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: DC

Complaint narrative:
The report is over 7 years old and should have been removed from my record. 
The report date keep changing and continually show new late payment. 
Not only the account was inaccurate and a duplicate from the start, it was never fixed. 
XXXX XXXX XXXX is unwilling to fix the issue. XXXX, the original supposed creditor did not admit their billing error, Please assist in removing this inaccurate file from my records. 
Best regards.

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 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I sent a message to my loan servicer, Mr Cooper. In my message I asked them to waive an old late fee on my account that was invalid. I asked them to waive it because I was trying to pay my mortgage ahead 4 months but that late fee was preventing me from doing it. I sent them that message in XXXX. They proceeded to put me on a forbearance plan that I never asked for did nor did I need. I did NOT lose my job during the virus crisis. I was perfectly capable of making my payments and in fact was trying to pay ahead 4 months. When they put me on the forbearance I emailed and called them three times and told them to remove me off of the forbearance plan because I didn't need it and didn't want it. To this day, they still have not removed me. It's incredibly disheartening. 

I want to be removed off of the forbearance plan and I have tried numerous times tell them to remove me but they have yet to do so. I never signed any agreement to be on a forbearance nor did I ever asked to be on the plan. I understand that some people needed it because they lost their jobs but why would you force somebody on a forbearance who has a job and is able to make their payments? And it's unacceptable to disregard the numerous requests to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I Recently used a credit repair company and they didnt help much. Although it was true I didnt recognize the following accounts. XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$430.00} CHRYSLERCAP XXXX {$24000.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$760.00} XXXX XXXX {$83.00} XXXX XXXX {$330.00} XXXX XXXX   XXXX {$260.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 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: Midwest Recovery Systems
State: FL

Complaint narrative:
Midwest Recovery Systems reference complaint XXXX. As of XXXX, I have been trying to get this collection which is fraudulent, off my credit report with XXXX  and XXXX. It still remains after they responded to this agency that they would have it removed. 
They are not a legitimate Service. They rejected my letter as attached and continue to ruin my credit. I was denied credit for a personal loan on XX/XX/XXXX from XXXX, which clearly states it's due to a Collection from Midwest. See enclosed. I am sick over this and will persue legal action against this place if not rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 Recently used a credit repair company and they didnt help much. Although it was true I didnt recognize the following accounts. XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$24000.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$760.00} XXXX  XXXX {$83.00} XXXX  XXXX {$330.00} XXXX XXXX   XXXX {$260.00} XXXX  XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: FL

Complaint narrative:
XXXX XXXX XXXX reference complaint XXXX. As of XXXX, I have been trying to get this collection which is fraudulent, off my credit report with TransUnion and XXXX. It still remains after they responded to this agency that they would have it removed. 
They are not a legitimate Service. They rejected my letter as attached and continue to ruin my credit. I was denied credit for a personal loan on XX/XX/XXXX from XXXX, which clearly states it's due to a Collection from XXXX. See enclosed. I am sick over this and will persue legal action against this place if not rectified.

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 2020-05-20 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: FL

Complaint narrative:
XXXX XXXX XXXX reference complaint XXXX. As of XXXX, I have been trying to get this collection which is fraudulent, off my credit report with XXXX  and Equifax. It still remains after they responded to this agency that they would have it removed. 
They are not a legitimate Service. They rejected my letter as attached and continue to ruin my credit. I was denied credit for a personal loan on XX/XX/XXXX from XXXX, which clearly states it's due to a Collection from XXXX. See enclosed. I am sick over this and will persue legal action against this place if not rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: Cornerstone Home Lending Inc.
State: FL

Complaint narrative:
I just paid off three loans with Cornerstone administered by XXXX. XXXX is IMPOSSIBLE. They refuse to help with anything. I send a message and they basically respond saying, " we don't care. we can't help you '' and they close the case so you can't even respond. 

They reported all of these accounts as CLOSED instead of satisfied. This my credit score dropped 40 point. I have asked them to fix it and they won't even address the issue. 

XXXX SHOULD NOT BE ALLOWED TO ADMINISTER LOANS. They are the worst I have ever dealt with in 40 years of buying properties

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
After 3 repeated attempts to notify Equifax of 3 unauthorized hard inquiries on my report they refused to remove or investigate inquiry with the company they release my credit file to without my consent. these company show up on my Credit report XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX without my consent, written or orally. I did not give it, So I ask Equifax to delete iimmediately and they continue to refuse. 
They refuse to provide me any evidence of any authorization, nor any permissible purposes as I have continuing been requesting. 
So in leu of that according to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports, can only be released, if initiated by the consumer with his or her permission. I did not initiate access to these companies. Produce documentation or Delete Immediately. 

Equifax needs to delete hard inquiry for XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX  for releasing credit file with out my consent and failure to show proof of authorization

Company response to consumer: Closed with explanation