vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Greetings : I recently, as of XX/XX/XXXX, attempted to apply for a credit card to XXXX XXXX Store via XXXX XXXX  and received a negative reply. I previously had problems with XXXXXXXX XXXX via XXXX XXXX just after the election in XX/XX/XXXX when it was alleged that I was committing fraudulent charges via that credit account I submit that an inaccurate statement had been alleged at that time and continues to impact me in an negative way even via my credit information through Experian which has incorrect credit information listed about me detailing little to no credit history at all which does not match up with the other two credit bureaus.

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 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Someone that I am no longer associated with a couple of years ago opened up a utility bill with my information fraudulently without my knowledge I was left to not knowing why the debt occurred or appeared on my credit report and when I attempted to learn more information about it was not able to but now I am held liable for a utility bill that I didn't do nothing about for residents that I never lived. When I did contact the debt collector they were supposed to send out identity theft packet that I never received and they were unwilling to really work with me and meet me halfway for a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: TX

Complaint narrative:
Set my direct deposit directly into my XXXX account..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion has committed multiple FCRA and FDCPA violations by reporting multiple alleged, invalidated debts in their system for my consumer report dated as of XX/XX/XXXX. I have sent documentation showing proof of these inaccurate accounts that they have listed along with proof of TransUnions violations multiple times via regular mail and via electronically. TransUnion has responded by blatantly lying when they responded via a notice to me via mail stating that they could not locate my consumer file in their database. 

This is not true as I have spoken to them via phone on multiple dates including XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and on both calls, a TransUnion representative was able to locate my consumer file in their database. TransUnion also lied in their response to both of my previous CFPB complaints when they stated that their were filing disputes regarding the documentation that I submitted to them. They have completely ignored my requests to remove all of these inaccurate accounts and are ignoring my CFPB complaints for resolution as well. 

TransUnion was already in violation specifically of 15 USC 1681, 15 USC 1692, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information in their database with respect to them continuing to report the following accounts : XXXX XXXX XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXXier - Derogatory XXXX XXXX Derogatory / Collection /Charge-off Chapter XXXX & XXXX Bankruptcy Public Records

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Endless Robo-dialed calls from company claimed to be " Midland Credit ''. I have NO debt and do not owe anything to anyone. This company using multiple numbers calling anytime of day including SUNDAY XXXX and EVENINGS ( after XXXX ) could NOT disclose the correct name and address and types of debts. The info they made up is not me and no where near me. I have asked them to STOP for MONTHS and yet the calls continues DAILY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 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: NJ

Complaint narrative:
Good morning, I am inquiring on the remaining negative account which are currently impacting the overall state of health of my credit. i is not fair to me that after several attempts at trying to correct the information with the credit bureaus, they have failed me once again. I am not going to hesitate on taking legal action if they do not wash out the negative, inaccurate and incomplete information off of my credit reports. What is the delay in response??? Why hasn't XXXX XXXX, nor Transunion resolved the issue with the accounts? the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX collection accounts are still accurately and falsely reporting. The credit bureaus were able to remove all of the other history on my credit report, except for those two accounts. Please help me resolve this issue, I'd greatly appreciate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: NJ

Complaint narrative:
Good morning, I am inquiring on the remaining negative account which are currently impacting the overall state of health of my credit. i is not fair to me that after several attempts at trying to correct the information with the credit bureaus, they have failed me once again. I am not going to hesitate on taking legal action if they do not wash out the negative, inaccurate and incomplete information off of my credit reports. What is the delay in response??? Why hasn't XXXX, Experian, nor XXXX  resolved the issue with the accounts? the XXXX ( XXXX XXXXXXXX XXXX ) collection accounts are still accurately and falsely reporting. The credit bureaus were able to remove all of the other history on my credit report, except for those two accounts. Please help me resolve this issue, I'd greatly appreciate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
On XX/XX/2021, I viewed my credit report and saw there was a new collections from National Credit Adjusters that is for a very old debt. This debt was closed at least over 10 years ago. I have been a victim of this creditor re-aging old debt which is highly illegal. I've disputed the claim on my credit report and want it removed from all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I didnt give consent to furnish my personal information regarding my open credit plan. Ive been violated and harassed about information I deem private. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a payment on my Citicard account on XX/XX/2021. The payment was adequate to bring my account current. Today is the XXXX and I am still receiving phone calls about paying the bill. I received 4 phone calls yesterday for an account that is current. This is harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
On XX/XX/2021, I viewed my credit report and saw there was a new collections from XXXX XXXX XXXX that is for a very old debt. This debt was closed at least over 10 years ago. I have been a victim of this creditor re-aging old debt which is highly illegal. I've disputed the claim on my credit report and want it removed from all 3 bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft CAPITAL ONE BANK USA N.A. 
Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX XXXX. 
Account XXXX : XXXX This is not mine. 

Identity Theft CAPITAL ONE N.A. 
Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: CA

Complaint narrative:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
We received a letter from Dovenmuehle Mortgage on XXXX XXXX, XXXX regarding our prior home mortgage servicer, XXXX XXXX XXXX XXXX XXXX XXXX The letter stated that we had unclaimed property of {$1400.00} for a mortgage that we had closed out ( when we refinanced with XXXX  XXXX XXXX ). 

We were told to sign the paperwork and send it back to Dovenhuehle, which we did immediately. We never heard back so we recent a fax with all the information that has a time stamp that it was received on XX/XX/XXXX. We still have not received our refund. 

We contacted Dovenmuehle by phone on XX/XX/XXXX, spoke to XXXX who said that the check had been cut that we'd receive it latest by Friday XX/XX/XXXX. We still have not received the check so we called again today, XX/XX/XXXX, spoke to the manager XXXX who stated that the information that XXXX gave us was wrong and that the check has still not been cut. She wouldn't connect me to accounting. Best should could tell me was another XXXX days but that I have no other recourse. I'll just have to try to follow up again. 

This feels like a shady mortgage company. 

Please help. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX/XXXX Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX Account Number : XXXX This is not mine. 

Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX  XXXX XXXX  XXXX XXXX. 
Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

Identity Theft XXXX  XXXX XXXX. 
Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Kikoff Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN:XXXX DOB : XX/XX/XXXX CFPB Consumer Financial Protection bureau To whom it may concern : Checking my Experian credit report found that the closed account : XXXX XXXX XXXX XXXX Account number XXXX inaccurately posted three late payments ; those payments were for XXXX, XXXX, and XXXX of XXXX. These are erroneous, looking at the report, they report 30 days late in XX/XX/XXXX, again 30 days late in XXXX not only is inaccurate is impossible because if I paid XXXX, it had to be current in XXXX or if XXXX wasn't paid, it had to show a 60 day late but it shows a 30 day late again, you report 30 days late in XXXX. Moreover, the late fees were rescinded by the bank and I was subsequently reimbursed. 
This is an inaccurate payment history and these errors should be removed from my credit file. 

Thanks 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 2021-07-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Checked my free annual credit reports on XX/XX/21 and on the Experian report only I found a Soft inquiry from IDES  Batch on XX/XX/21. I do not and have never received unemployment benefits from the State of Illinois and have never seen it on my credit reports. Went to the IDES website and was alerted to may scam/phishing issues happening to Illinoisans. Please look into this. Its a form of identity theft. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
in XXXX, XXXX, XXXX i received a copy of my free XXXX XXXX XXXX and noticed inaccurate information in the personal information section, when i was made aware of this i called and sent letters by mail to XXXX XXXX  and Experian to have this inaccurate information removed, XXXX and XXXX removed the inaccurate information with 48 hours, But Experian refused to remove the inaccurate information even after sending documentation which were copy 's of proof of identification, driver license, social security cards, bank statements, utility bill. 

this time i decided to send a letter following the CFPB instructions with sending documents by certified mail with XXXX, which i did on XXXX/XXXX/XXXX, the certified mail was received by Experian at XXXX pm on XX/XX/XXXX in XXXX, TX XXXX. 

today is XX/XX/XXXX and the inaccurate information is still reporting in my personal information section in my experian credit file. the only conclusion i could come up with is i strongly believe i'm being discriminated against because of my age and i'm a XXXX male, i believe if i was a white male, the information would have been removed after i sent a documents verifying my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Ive never missed one minimum payment on my credit card and after an entire year they charged me {$900.00} deferred interest in 1 month without telling me. Nowhere did it say they were going to do this or I would have worked harder to pay off the balance. Now my minimum payment has increased and I can not afford to pay the balance at all because they charged me XXXX as a deferred interest payment. This should be illegal and I refuse to pay this fee I would rather default on my loan then pay your {$900.00} deferred interest fee. I havent charged anything in that card for over a year I was just focused on paying it off.

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 monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I keep getting notices from Lakeview loan servicing XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. I have left them a number of voice mail messages and returned a number of pieces of mail that they keep sending to my address for a XXXX XXXX who lives at XXXX XXXX XXXX XXXX which is also XXXX XXXX. suspect that this is due to the realator making an error on the listing address of the house XXXX XXXX ended up buying at XXXX XXXX XXXX XXXX. 

I am concerned that these mortgage documents might be filed on my address incorrectly as my mortage is with XXXX XXXX and i have no idea who Lakeview is other then they don't answer the phone nor do they return phone calls

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