vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 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: EQUIFAX, INC.
State: AE

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my equifax credit report that doesn't belong to me. I am not the account holder, I was an authorized user on the account. The last update was XX/XX/2019. Account balance is {$1000.00} Amount owed is {$1200.00}. Its reporting 120+ days late. I have disputed the information, and it has come off the other two CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/2017 my information was personal information was compromised due to the XXXX   Breach on XX/XX/2017. Since then many inquiries has been placed on my credit report that do not belong to me. In the attachment Ive sent you are all the inquiries that are on my credit report. I have circled the inquiries that do not belong to me. Ive tried reaching out to to these companies but I have gotten no response regarding this matter. Please remove these item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: TX

Complaint narrative:
Why is there a fraud alert on my ssn? How can I get it permanently removed it is hindering me in my search to bigger things in life that will eventually cause me pain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: LA

Complaint narrative:
In the months of XXXX and XXXX of last year Ive reported this fraudulent account to XXXX and the FTC only to find out it has reappeared but with a different creditor. Ive had XXXX delete it 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 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California
State: CA

Complaint narrative:
i recived a bill from collection consultant California for the amount of XXXX $ which does not belong to me i have tryed multiple times to remove this from my credit report because its affecting me and i havent been able to.. 
i also filed a police report for identity theft i hope this will help resolve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: NC

Complaint narrative:
I have disputed XXXX XXXX XXXX account with Experian for the past 6 months. Information on my closed account is inaccurate and they refuse to correct it upon my written request. I have sent in documentation from the creditor showing this account as paid in full after being charged off. This account was charged off in XX/XX/XXXX and this account was paid off completely on XX/XX/XXXX. I have requested that they please reflect this on my credit report. Instead Experian has decided to reflect this account as being charged off on XXXX and XXXX of this year XXXX. I have explained this information is incorrect and needs to be corrected. They have responded twice with placing incorrect information on my report. I have proof of payment reflecting the correct payoff date of XX/XX/XXXX. There should not be any negative data for this year as this account was cleared in XXXX. I am simply asking Experian to delete any negative information being placed on this closed account passed XX/XX/XXXX. Someone at Experian is purposely making it look like I still have ongoing negative credit with this closed account. It's been closed and paid off as of 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 non-monetary relief
Consumer complaint received 2019-09-05 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
OnXX/XX/2017myinformationwaspersonalinformationwascompromisedduetotheXXXXBreachonXX/XX/2017.Sincethenmanyinquirieshasbeenplacedonmycreditreportthatdonotbelongtome.IntheattachmentIvesentyouarealltheinquiriesthatareonmycreditreport.Ihavecircledtheinquiriesthatdonotbelongtome.IvetriedreachingouttotothesecompaniesbutIhavegottennoresponseregardingthismatter.Pleaseremovetheseitemfrommyreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: Consolidated Information Services Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/2017 my information was personal information was compromised due to the XXXX   Breach on XX/XX/2017. Since then many inquiries has been placed on my credit report that do not belong to me. In the attachment Ive sent you are all the inquiries that are on my credit report. I have circled the inquiries that do not belong to me. Ive tried reaching out to to these companies but I have gotten no response regarding this matter. Please remove these item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: AZ

Complaint narrative:
XX/XX/XXXX I obtained a repair loan from a lender I had several notes with previously. The loan was for a term of14 months at approx XXXX/mo. XX/XX/XXXX i turned all my affairs to the person with power of atty. She contacted the loan company, explained the situation and offered regular consistant payments of $ XXXX/mo. The loan company agreed to accept $ XXXX/mo and received 18 payments of $ XXXX/mo starting XX/XX/XXXX month after month till XX/XX/XXXX. It was only then did I discovery each and every payment was applied to the interest only and not only did the principle decrease it actually went up. XX/XX/XXXX I filed chapt XXXX to prevent a trustees sale and protect my equity. This lender hired an atty who filed a proof of claim for them. However, they valued the collaterat at over {$2600.00} when in reality if it was worth {$750.00}, that would be overpriced. In the lazt 2 months I was offered {$50.00} for it.When I  accomplished what I needed to do and the court gave its approval to remove my house from the control of the trustee and the bankruptcy estate, and I was able to sell it at market value. I did and having no other real pressing issue to continue the matter I allowed the trustee to move for dismissal. Their atty did not file an adverse action regarding the $ XXXX+ they claim I owed. They notified Experian, when is unclear that the acct is a charge off and they never got any payments ( despite getting 18- {$100.00} pmts and their atty not pursuing the matter, if they were owed anything, as an adverse action in bkcy court ) .When I filed the dispute by mail the trade line was reading " XXXX XXXX XXXX '' upon receiving Experians dispute results and comparing them to my Experian report, on my report XXXX XXXX XXXX   no longer appears but it now is shown under " XXXX XXXX XXXX XXXX '' it still is a charge off and claims the amt charged off is like {$2400.00} or {$2500.00}. They have never followed the FCRA requirement to report full and accurate information, to this day they still hav n't. Now in an effort to confuse things more it isnt even being shown the same anymore. 
This complaint is against both Experian and the lender

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 2019-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I had taken out a loan with XXXX XXXX had made my payments as scheduled and had sent a payment to them with a money order, I had forgotten to fill out the money order. Instead of just calling me and having me fill out the money order they sent it back to me and refused the payment. This negated the contract. I told them this. They sent the debt to collection. The collection Arm of XXXX XXXX is XXXX XXXX XXXX. I was trying to clean up my credit. I came to an agreement with XXXX XXXX to pay the {$190.00} which I did in XX/XX/2019. It is still on my credit report today, I am in the middle of trying to get a mortgage. This item should have been removed. That is what I was told by XXXX XXXX. Both Equifax and XXXX still show the debt. I would like it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: PA

Complaint narrative:
On XXXX XXXX, XXXX I contacted Checkr Inc and let them know that not only was the criminal information reported not me, but it was adversely affecting me and it was over 10 ( in fact 20 ) years old. The response I received was that it was public record, which does not make sense, I have lived in Pennsylvania all of my life and even provided them with proof that I was in college at the time that the report states I was supposedly in jail, but they refuse to take it off the report they provided to XXXX and XXXX. Oddly enough they provided several other background checks for me, and that information does not appear on the other ones, in fact they have provided 6 background checks in total, and the inaccurate information only appears on the XXXX and XXXX checks. Their response to this is because they are Transportation Related background checks, which does not make sense either, as I worked for XXXX XXXX XXXX in XXXX, as a XXXX, and they did a background check, and this information was not on my background, as it does not belong to me, and when asked how they derived at this information, all I received was confusing verbiage. It should be removed for several reasons, all six background checks they ran on me were for transportation jobs, XXXX, XXXX, XXXX, XXXX, and XXXX ( there is another, but I can't remember at this time ) and that information only appears on XXXX and XXXX, so their excuse that it is more indepth because it is for driving does not make sense, this public record does not belong to me, I just want it off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I had taken out a loan with XXXX XXXX had made my payments as scheduled and had sent a payment to them with a money order, I had forgotten to fill out the money order. Instead of just calling me and having me fill out the money order they sent it back to me and refused the payment. This negated the contract. I told them this. They sent the debt to collection. The collection Arm of XXXX XXXX is XXXX XXXX XXXX. I was trying to clean up my credit. I came to an agreement with XXXX XXXX to pay the {$190.00} which I did in XX/XX/2019. It is still on my credit report today, I am in the middle of trying to get a mortgage. This item should have been removed. That is what I was told by XXXX XXXX. Both XXXX and Experian still show the debt. I would like it removed.

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 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
Hi About 2 months ago ( XXXX ) I received an email from a company representative at PennyMac requesting additional information in regards to a loan that had already closed months ago. The email requested additional information regarding my tax. 



That email was sent insecurely and my private tax document ( XXXX ) was attached to that email without any kind of protection. There was no password or encryption on the tax document. My private data was exposed to an insecure web email ( XXXX ). 



The company has violated my privacy and has exposed me to years of possible identity theft and many other criminal activities. 



I have tried for over 2 months to get the company to accept responsibility and provide me with compensation and identity monitoring. The company has refused to acknowledge this incident has occurred and has no plans to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: Early Warning Services, LLC
State: FL

Complaint narrative:
This compliant against company the name as Early Warning service   office locator in the state of XXXX az. base the information that receiver from bank XXXX.the consumer agency that no bank report to then. base of the fact submit to me through document that I receiver from the bank there information was inaccurately. it stated that I have number returned item from number bank. which was find to untrue. that was an indiction that occur back on XX/XX/2019 where the court put a hold on my and my wife account for XXXX. XXXX which in fact was correct in about 60 day. in XX/XX/2019 notify me about this information through a request. from early warning just send a statement along from XXXX XXXX that I had negative item in my file. this was on XXXX XXXX once I receiver this information I contact the bank. XXXX XXXX. XXXX XXXX XXXX XXXX. we spoke to XXXX   XXXX XXXX XXXX and all these bank stated to me that never submit any neg information about your back account. and that they only report to XXXX XXXX for some one abuse of any check account. Early warning service LLC has being suite once before. about this type of practice in the past. and that not what I want to do I just want it clear up soon.. there was only one report by XXXX XXXX base on the court action that took place in XXXX. which in fact we settle dose issue. and it was base on the fact of the court order. the court close the account not Mr. XXXX and you has that evidence in your file. it was not like I just abuse any account in the past, this information was report to CFPB for investigation and all the bank response back with this information no bad account as to Mr. XXXX check account so therefore early warning service LLC. need to delete those neg information about this indiction. because XXXX XXXX dose not have any bad information went it come to Mr. XXXX. check or deposit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group
State: VA

Complaint narrative:
This One Account has been passed around to 4 different collection companies and it dropped my score just for appearing on my credit report ; it was even a verified debt. I recently sent a email to XXXX with proof that this account has been deleted on XX/XX/2019. XXXX XXXX is responsible for passing this account around twice ( XXXX XXXX XXXX, XXXX & Superlative RM ) after the sent me a letter confirming the account has been deleted any consumer reporting agency. The Original Creditor is XXXX XXXX XXXX XXXX. Superlative also called acting as if this was a different account but amount was the exact same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: VA

Complaint narrative:
I currently have a credit monitoring service. I was alerted that the company Ad Astra Recovery Service reported a decreased my balance by {$1.00}. I have idea who this company is and have not received any correspondence via mail or email from them. They are reporting that the balance was reduced by {$1.00} but I have not paid this company anything. It is really unfair for them to be reporting on my credit report like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
I took out a loan with XXXX XXXX and it got sent to collections with AD ASTRA, I got a notification from XXXX XXXX yesterday saying that my collection account has decresed, I checked the account and the statement says it went down {$1.00} so it went from {$800.00} to {$800.00}, I have not made any payments to the account and it has bee nthere since XXXX, I have not had any communications with this company other than it showing on my credit and I also did not make a payment to them in the amount of {$1.00}, they are falsifying this information that is showing up on my credit report. 

The document I uploaded was reported on XX/XX/XXXX and I got the update to my phone on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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:
Original CFPB Complaint # XXXX Against XXXX XXXX XXXX XXXX In XXXX or XXXX we refinanced our XXXX XXXX XXXX XXXX XXXX. The original loan was with XXXX XXXX XXXX XXXX. We refinanced the loan with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX Texas. XXXX called XXXX XXXX XXXX and received a payoff of the loan good till XX/XX/XXXX. XXXX issued a check in the full amount provided by XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX did not submit the check from XXXX until XX/XX/XXXX per XXXX records. XXXX XXXX XXXX began reporting late pays on both my wife 's and my credit reports for the difference between the payoff provided thru XX/XX/XXXX and when they deposited the payoff check on XX/XX/XXXX. These late pays continued through XXXX of XXXX. We only aware of this in accuracy the week of XX/XX/XXXX when working to make a major purchase. XXXX XXXX XXXX XXXX actions are unacceptable based on their internal processing of the check. We should not have been penalized/reported late on our credit reports. This has significantly damaged our credit rating to the point that we are now unable to obtain a loan on our pending purchase. We have attempted to resolve the matter with XXXX XXXX XXXX to no avail thus far. We continue to receive stall and deflect actions from them. We now at the point of losing our option on the purchase we were attempting. Based on information provided by XXXX, the payoff amount check was issued and mailed to XXXX XXXX XXXX 8 days prior to the payoff date provided of XX/XX/XXXX. XXXX XXXX XXXX should not have reported to our credit reports due to their inability to process payments in a timely manner. 

The issue above was resolved with XXXX XXXX XXXX XXXX to correct all incorrect reporting from the furnisher ( XXXX XXXX XXXX XXXX ) in XXXX of this year. We received a letter from the Office of the President that outlined the steps they would take to correct the wrong reporting. ( Attached ) XXXX XXXX XXXX XXXX sent to all three Credit Reporting Agencies ( CRA ) XXXX, Equifax, and XXXX the correct information to be updated and reported on our accounts. The CRA 's were to remove any and all derogatory comments related to the XXXX XXXX XXXX trades, payment history, payment status, all late payments, any reference to charge off and/or settlement. In addition we were refunded two checks from XXXX XXXX XXXX for the charges that were incorrectly billed to us in addition to the above. The CRA 's have only made a portion of the corrections to our accounts and left other incorrection information in place. If fact, some of the initial changes that they made, they have changed back to derogatory 30 days after the corrections were made. This has caused my credit score to drop 47 points as of XXXX.

Company response to consumer: Closed with explanation