vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I received a phone call from Comenity Bank in regards to Wayfair. I do not have an account to my knowledge with Wayfair nor have I ever ordered anything from Wayfair. This was not the first phone call that I received from this bank. It is at the point of harrassment. XXXX XXXX stated well maybe we are looking for a different XXXX XXXX. I will not identify myself on the phone because they will not have me recorded as saying the word yes. the phone number that I am left to call is XXXX ext. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: MI

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: PA

Complaint narrative:
XXXX XXXX XX/XX/2021 }, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Account # XXXX - Comentity Bank/XXXX  On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account is paid in full and is closed. The charge off for Comentity Bank/XXXX has not been updated. I contacted XXXX  & XXXX  on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. 

I looked at my credit report today through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX  & XXXX  and was told that Comentity Bank/XXXX  has informed XXXX  & XXXX  that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX on XXXX and will file with XXXX  today. XXXX  has removed this account from my credit report. I would like for Comentity Bank/XXXX to request removal of the tradeline as well. If they are unable to, I would like for them to inform XXXX  and XXXX  that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX  parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX XXXX XXXX, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loancare is an extremely disorganized company that doesnt help their consumers. I started a loan modification ( or so I thought ) back in XXXX of XXXX. My payments on my modified loan were supposed to start in XXXX of XXXX. Today is XX/XX/XXXX and they still have not completed the process. When I make a payment to the lender it sits in a holding account and doesnt get applied to my mortgage. Weekly I receive letters telling me that my home is at risk and that Im delinquent on my mortgage. Ive spent approx 20-30 hours on hold dealing with the company. Sometime I sit on hold for hours just to get hung up on before speaking to anyone. Last month I tried to make a payment and their system wouldnt take my payment. HELP!!!

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 2021-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent several disputes via mail to XXXX, XXXX  and Transunion and no one is responding to my disputes and its been at least 3 months ... By Law these credit bureaus are required to research and respond to all dispute requests and they are not doing their jobs. I want these below items disputed and results sent to me within 15 days.

Dept of Education-XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust XXXX Loans- XXXX Never paid late- Please adjust XXXX XXXX XXXX Never paid late- Please adjust XXXX XXXX XXXX XXXXXXXX XXXX Never paid late-Please adjust XXXX XXXX- XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX - XXXX Unverified Account XXXXXXXX XXXX XXXXXXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas 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 2021-07-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent several disputes via mail to XXXX, Equifax and XXXX  and no one is responding to my disputes and its been at least 3 months ... By Law these credit bureaus are required to research and respond to all dispute requests and they are not doing their jobs. I want these below items disputed and results sent to me within 15 days.

Dept of Education-XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust XXXX XXXX- XXXX Never paid late- Please adjust XXXX XXXX XXXX Never paid late- Please adjust XXXX  XXXX XXXX  XXXX XXXX Never paid late-Please adjust XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX XXXX - XXXX Unverified Account XXXX XXXX  XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a forthwith judgement with XXXX XXXX XXXXXXXX to pay the defaulted auto loan and have been paying to the law office on behalf of XXXX XXXX 
XXXX XXXX is not reporting the payment 's I am making every month and has not adjusted the balance owed as of today I filled out the dispute form from XXXX XXXX and they said its reporting accurately this was in XX/XX/2021 I have disputed with the bureau and they said it was verified and accurate I have a letter from XX/XX/XXXX from the lawyer office with a payment breakdown and balance that is inaccurate from what's 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 2021-07-10 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: NY

Complaint narrative:
I have a forthwith judgement with XXXX XXXX XXXXXXXX to pay the defaulted auto loan and have been paying to the law office on behalf of XXXX XXXX 
XXXX XXXX is not reporting the payment 's I am making every month and has not adjusted the balance owed as of today I filled out the dispute form from XXXX XXXX and they said its reporting accurately this was in XX/XX/2021 I have disputed with the bureau and they said it was verified and accurate I have a letter from XX/XX/XXXX from the lawyer office with a payment breakdown and balance that is inaccurate from what's on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: NY

Complaint narrative:
I have a forthwith judgement with XXXX XXXX XXXXXXXX to pay the defaulted auto loan and have been paying to the law office on behalf of XXXX XXXX 
XXXX XXXX is not reporting the payment 's I am making every month and has not adjusted the balance owed as of today I filled out the dispute form from XXXX XXXX and they said its reporting accurately this was in XX/XX/2021 I have disputed with the bureau and they said it was verified and accurate I have a letter from XX/XX/XXXX from the lawyer office with a payment breakdown and balance that is inaccurate from what's 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 non-monetary relief
Consumer complaint received 2021-07-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent several disputes via mail to Experian, XXXX  and XXXX  and no one is responding to my disputes and its been at least 3 months ... By Law these credit bureaus are required to research and respond to all dispute requests and they are not doing their jobs. I want these below items disputed and results sent to me within 15 days. 

Dept of EducationXXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust XXXX XXXX- XXXX Never paid late- Please adjust XXXX XXXX XXXX Never paid late- Please adjust XXXX XXXX XXXX XXXXXXXX XXXX Never paid late-Please adjust XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX - XXXX Unverified Account XXXX XXXX  XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2021-07-10 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: TX

Complaint narrative:
As stated before, Experian continues to report fraudulent information on my credit report file. XXXX XXXX XXXX XXXX  ( XXXX  ) on my credit report file is fraudulent and from identity theft. Experian shares they contacted XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and that XXXX identified the account as accurate. 

Of course XXXX are going to say that the mortgage account is accurate as they were the ones who approved the fraudulent mortgage account. 

I sent police reports, identity theft affidavits and FTC identity theft affidavits. I filed a accurate police report sharing I am a victim of identity theft. That report should be sufficient enough to remove that fraudulent mortgage from my credit report file. 

I am requesting Experian to remove and delete this account from my credit file as per my attorney or we will file a law suit for damages.

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 2021-07-10 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: GA

Complaint narrative:
I have never heard of nor had any contact with this company that has accessed my credit file. 

Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: FL

Complaint narrative:
1. The debt collector is illegally reporting data that is beyond the statue of limitations and is time barred.

2. The debt collector stated that I never called in however stated I requested a investigation. Also I will be attaching a screenshot of my call to the debt collector when a representative told me that the debt was pass the statue of limitations so technically they could not report.

3. I will be requesting the recording of that call that took place XXXX XXXX XXXXXXXX 4. Not to mention this is debt that has been written off by the original creditor and resold and reported meaning it has affected my credit score twice doe the same debt.

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 2021-07-10 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Account # XXXX - ComentityCapital/XXXX  On XX/XX/XXXX, I paid XXXX to settle the account. The account is paid in full and is closed. The charge off for ComentityCapital/XXXX  has not been updated. I contacted XXXX  & XXXX  on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX by mail on XX/XX/XXXX. I looked at my credit report through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX  & XXXX  and was told that ComentityCapital/XXXX  has informed XXXX  & XXXX  that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX  on XXXX and will file with XXXX  today. I would like for Comentity Bank/XXXX to request removal of the tradeline from all three credit bureaus. If they are unable to, I would like for them to inform XXXX  and XXXX  that this account has been settled and paid. XXXX  has this account listed as Paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX  parent of XXXX  children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX, XXXX XXXX Letter and the police report from the fire that destroyed my home. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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:
On XX/XX/XXXX I sent a Certified letter via USPS to XXXX XXXX that are reporting my Transunion Credit report as a XXXX XXXX default in the amount {$8000.00} as of XX/XX/XXXX. 

I requested validation of debt including contract, signatures, ledgers etc. As off today no response. Also a copy of the Certified letter REFUSED TO BE RECEIVED. ( SEE ATTACHED ). 

I have disputed via USPS 2 times with Transunion with copies of all proof. 

TRANSUNION REFUSES TO DELETE THIS UN-VERIFIED ACCOUNT BY THE INFORMATION PROVIDER.

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 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
On XX/XX/2021 I got a loan in my personal in my business name weeks before i was to get the loan i called to make sure i wasnt going to have issue with the account i was told by 3 different staffs members of wells fargo i didnt need to add the business on my account it was okay which the funds was depoist on time no issues whatsoever until 48 hours on XX/XX/2021 my account closed. i called to see why and of course the loan i was told to bring my paperwork showing i was the owner and add the business it was a friday so i had to wait until monday i dont have a branch in louisiana had to travel a state over i called to see if i could still bring docs to show the business was mines now this rep talked so nasty and said they didnt that docs anymore no where written they dont take them i asked to speak with someone else stayed on hold again 4 hours than phone hung up called next day someone asure me again bring docs since my money is locked and the holiday another delay called XX/XX/2021 talked to someone this person was so nasty again she said they didnt take the docs hung up its a whole a lot of running around in circle with lies i have my docs its wrong no where they have written that im not suppose to get this money i need my money they should have never let the money come if it wasnt suppose too

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I applied to work for XXXX and my credit report shows a Felony report on me from XXXX XXXX XXXX and XXXX XXXX in West Virginia. XXXX case reference # XXXX ) I have never been in jail or to court for any such things. I believe the credit Bureau just attached this to my record because the name matched. This is affecting my employment and means to make a living and provide for my family due to this false information. I want this erased off my record and compensated for said losses as mentioned in my statement I plan on taking legal action with credit bureaus that are reporting false information about me

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