vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 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: TX

Complaint narrative:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$890.00}, per the FCRA this is a violation, balance should be XXXX Payment Status : incorrect/ inaccurate Last Reported : incorrect/ inaccurate Date Last Active : incorrect/ inaccurate Date of Last Payment : incomplete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: NV

Complaint narrative:
I have filed multiple complaints against Experian for temporarily lifting my security freeze PIN code without actually asking for my PIN code. 

99 % of the agents fail to ask and then say they don't have to ask because he automated system verified me. 

And as for the ones who ask they say they asked because they had to in order to temporarily lift my security freeze. 
Experian agents are being allowed to do whatever they see fit and this negligence has caused for another agent to permanently lift my security freeze on the XXXX without my consent. 
I did not call on XX/XX/XXXX I called today so temporarily lift my security freeze for 24 hours and that's when an agent today XX/XX/2020 named XXXX informed me that my security frees was permanently lifted on the XXXX of XXXX. 

AS I STAYED AT MULTIPLE TIMES AND IT'S BEEN IGNORED EACH TIME. MY SOCIAL SECURITY MY IDENTITY ALL OF MY INFORMATION HAS BEEN FOUND ON THE DARK WEB DUE TO IDENTITY THEFT, AND IT'S ALSO DUE NEGLIGENCE FROM EXPERIAN TRANSUNION AND EQUIFAX FOR NOT ASKING FOR MY SECURITY FREEZE PIN CODE EACH TIME I CALL. 

I filed multiple complaints has never been resolved. 
Instead I get answers pertaining to something else other than my actual complaint. 

To lift my security freeze without asking for pin code means you could very well do it for just about anyone who has my social. 
This negligence has put me even more at risk because now my security freeze pain code is voided due to the fact that my security freeze has been permanently lifted. 

I contacted the fraud department and just as I expected THEY MAKE NO PLANS TO DO A THING! 

I TOLD THEM I WANT MY SECURITY FREEZE PUT BACK ON RIGHT NOW! 
HAVE ANOTHER SECURITY FREEZE PAIN CODE BEING MAILED TO ME BUT THAT'S NOT GOING TO STOP THE PROBLEM The problem is these agents supervisors managers are all failing to do their job and the negligence is putting my IDENTITY AT RISK, CREDIT AT RISK, INSECURITY AT RISK. 

THEY'RE NOT GOING TO ASK FOR MY SECURITY FREEZE PIN CODE IF I HAVE TO CALL 6 AND 7 TIMES TO GET ONE AGENT TO ACTUALLY ASK ME FOR MY SECURITY FREEZE PIN CODE I CAN STILL SAY 99 % OF THEM ARE NOT ASKING FOR MY CODE AND NOW THE SECURITY FREEZE HAS BEEN REMOVED THANKS TO THEM BEING NEGLIGENT! 

IT DOESN'T SEEM LIKE ANYTHING IS HAPPENING BY ME PUTTING THESE COMPLAINTS IN I DO MEAN NOTHING IS HAPPENING ... 

ALL I'M DOING IS WAITING 30 TO 45 DAYS FOR NOTHING!

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 2020-08-27 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: TX

Complaint narrative:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$890.00}, per the FCRA this is a violation, balance should be XXXX Payment Status : incorrect/ inaccurate Last Reported : incorrect/ inaccurate Date Last Active : incorrect/ inaccurate Date of Last Payment : incomplete

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 2020-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Citi Bank Sears Shop Your Way Card has charged me late fees three times this year ( XXXX, XXXX and now XXXX ) with no late payments. Two of the three late fees were refunded, I have demanded a refund on the latest late fees as well. Three times for such errors is unacceptable and obviously could greatly increase their revenue while affecting their credit holders who potentially don't even know this is happening.

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 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
These are not my accounts nor did I file Chapter XXXX bankruptcy. Please remove them.

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 2020-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: KEYCORP
State: CO

Complaint narrative:
Keybank paid off car loan with home line of credit and received title but was not collateral on the loan. Keybank received title and we have requested more than 4 times for the title and payoff confirmation. They keep stating they mail it and have confirmed address information but it is never received. The vehicle was traded in and the dealership is threatening to buy back the car and charge for use and mileage. 

Keybank is will not allow any further options to collect the title and paid in full information except by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
The company name Wakefield. 

XX/XX/2019 I was bill by XXXX XXXX XXXX for XXXX XXXX from one hospital to another hospital. I call them numerous times with no result. When I got XXXX XXXX XXXX XXXX  involved. XXXX XXXX XXXX works with me and I was put on a payment plan. The bill was XXXX. XXXX XXXX XXXX agreed and settle for {$400.00}. I paid two payments of {$130.00} and one payment of {$130.00}. All payments was charged to my credit card. I just want them to stop calling me harassing me about something I already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: HI

Complaint narrative:
i get daily and repeated calls from discover card even though i asked to to stop calling my work place ... they call at least 3 times a day. i have gone into debt consolidation with the slate group and they have also been contacted by slate to let them know about my debt settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX has purposefully and maliciously degraded me as I called to resolve the two account on my record. The representative, two of them at different times, belittled me and said that I purposely chose to defraud the bank, not knowing anything about my mental or fanatical conditions as the accounts closed. When calling to make good and pay off the debts, I was sternly told that I will still have the derogatory marks left on XXXX XXXX XXXX as a punishment and that is quote unquote, and I happen to know that that is not within standards of this great nation as a consumer who has paid off an outstanding debt. I have the right to get them removed from my XXXX XXXX XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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:
XXXX XXXX XXXX has purposefully and maliciously degraded me as I called to resolve the two account on my record. The representative, two of them at different times, belittled me and said that I purposely chose to defraud the bank, not knowing anything about my mental or fanatical conditions as the accounts closed. When calling to make good and pay off the debts, I was sternly told that I will still have the derogatory marks left on XXXX XXXX XXXX as a punishment and that is quote unquote, and I happen to know that that is not within standards of this great nation as a consumer who has paid off an outstanding debt. I have the right to get them removed from my XXXX XXXX XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Even during global pandemic, your company reports late payment during these trying times. I was shocked when I reviewed my credit report and found late payment on XXXX of XXXX for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-08-27 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
I reached out to Credit Management because they have a paid collection on my credit report 4 yrs old stopping me from buying a home. This is the second time I dealt with them on an issue like this the other was removed. They have listed an account which I paid XXXX $ Back in XXXX   directly to the XXXX XXXX XXXX. The company acknowledges that truth and emailed me a letter stating they acknowledged it was satisfied and if they reported my account to the bureau they would contact the bureaus tI update accordingly. I had no signed contract with this company at any time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 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: MA

Complaint narrative:
The two accounts listed below does not belong to me and it is fraud. 

XXXX account number XXXX XXXX account number 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 2020-08-27 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: MA

Complaint narrative:
The two accounts listed below does not belong to me and it is fraud. 

XXXX account number XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The two accounts listed below does not belong to me and it is fraud. 

XXXX account number XXXX XXXX account number 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 2020-08-27 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: CA

Complaint narrative:
I've disputed this XXXX XXXX XXXX, and XXXX/XXXX   account on my credit report several times. I even provided documentation and spoke to several representatives over the phone at equifax and XXXX. They refuse to investigate and fix the problem. They will not tell me how they investigated, who they spoke to, and how it was " verified ''. Pursuant to FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than15 days after receiving a requestfrom the consumer for that  description. in which both companies have failed to do. All they keep saying is " the furnisher said that it was accurate '' but, I submitted court documents along with my disputes which they refused to look at because some reason the complaint I previously filed is " 122 pages long ''. I even sent the documents separately through equifax and XXXX  upload system on their websites. They refuse to remove this charge off. I also notified each bureau Equifax and XXXX  that the file was charged off in XXXX so therefore it should not be reporting a charge of every month for the past 5 months since XXXX. My email notifies me every month that I have a " new missed payment ''. I've even pointed that inaccuracy out to their supervisors ( Equifax and XXXX ) and they refuse to remove the account. They  just keep putting the account back into dispute and telling me that its " verified ''. They are violating my rights and I am demanding something be done about this. They are not conducting " reasonable investigations '' or speaking to anyone and I dont feel that e-oscar is a sufficient way. I have also included a few other accounts that are being tampered with on their end which shows " 29 charge offs '' for XXXX account on my XXXX  report that is a charge off every month for 2 1/2 years. That was a duplicate account that popped up on XX/XX/XXXX out of nowhere so I spoke with a rep about the duplicate account. My score is completely damaged and can not heal from these mistakes. This is very inaccurate reporting from both equifax and XXXX. They are not investigating these disputes they are tampering with my credit file and I demand it be reasonably investigated or removed. That is a violation of my rights under section 616 and 617 of the fair credit reporting act. Equifax told me that, " they do not provide any documentation on how they investigate and that they only report what the creditor tells them to ''. That is also a violation under 616 and 617 of negligent noncompliance and willful noncompliance even though I provided them with court documents for my XXXX XXXX  XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: TX

Complaint narrative:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX/XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified, that the reached out the creditors/collectors and that information was verified or accurate. Nothin was done to my report, it's still showing inaccurate information. This is the inaccurate information that they are reporting to my credit report. 

Account Type - Detail : Incomplete Date Opened : Inaccurate High Credit : Inaccurate Credit Limit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : Inaccurate

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 2020-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi, even during these trying times you're marking consumer late on that I was shocked when I reviewed my credit report and found late payment on XXXX & XX/XX/2020. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
The two accounts listed below does not belong to me and it is fraud. 

Navient account number XXXX Navient account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My Bank of America ( BoA ) Visa card was switched to paperless billing without my consent. They BoA representative claimed it was when I visited their website but they couldn't send me any proof and never sent a letter detailing the changes to my account. When I asked if they had something I signed or if I was sent notice of the changes to our relationship the representative stated it was more like a box you had to un-click. 
I assume it happened a few months ago as the next letter I received from them I was already multiple months late on my payments because I never received a bill. I'm just paying it off and closing the account as it wasn't my primary credit card and I don't want to do business with them again. 

I realize paperless billing saves them money. Do they have incentive programs for their employees to switch people? I have never knowingly agreed to paperless billing in any of my financial relationships.

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 2020-08-27 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: IN

Complaint narrative:
Pursuant to HR 748, the " CARES Act '' Ascendium Education Solitions VIOLATED THE LAW and has engaged in collection activities that have financially harmed me and my credit report. 

I have two ( 2 ) student loans that are in default status, and XXXX is such a poorly ran company I have been attempting to contact a human since XXXX to resolve this. 

According to the CARES Act, they are prohibited from any collection activities until originally XX/XX/XXXX, but now extended until XX/XX/XXXX. 

They ILLEGALLY reported negative information from XXXX through XXXX. This is a violation of the law and my rights. Refer to Subtitle B - Educational Provisions - Section 3513. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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