vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 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: DE

Complaint narrative:
I received a copy of my credit report and found the following Item ( s ) to be INACCURATE 1. INACCURATELY REPORTING EDFINANCIAL ALL ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 2. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 3. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 4. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 5. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 6. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 7. INACCURATELY REPORTING XXXXXXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 8. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 9. INACCURATELY REPORTING XXXX XXXXXXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 10. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 11. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 12. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 13. INACCURATELY REPORTING XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 14. INACCURATELY REPORTING XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 15. INACCURATELY REPORTING XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 16. INACCURATELY REPORTING XXXX XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 17. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 18. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these ALLEGED Items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months. 


Sincerely, XXXX : XXXX Without prejudice Without Recourse

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
opened a checking account with chime XXXX and made 3 deposits totaling XXXX. 
also on XXXX i made a reservation with uhaul to rent a truck using the debit card information given to me in the chime app. when i went to pick up the truck i was told the transaction was denied due to an issue with my account. i go to open the chime app on my phone and i receive a message telling me the account is locked. i checked my email, text messages and phone for missed calls. nothing from chime informing me why the account was locked. i call and speak to 5 chime agents and 4 supervisors and what it get from 1 supervisor is that i need to submit my government issued id and ss card and a bill with name and current address to chime support. so i emailed information to XXXX. this same supervisor said she would escalate the matter. i call back and reach XXXX a supervisor who says he could not see the information i emailed to chime support. but later in the conversation he claims he can see the info submitted but i had to wait for a response from chime support. XXXX i call and speak with XXXX whos says he could not see information that i submitted the day before and that i have to wait for a response from the chime support team. with each member of the customer service team i informed them of the fact that i made deposits to the the account and i want my money returned to me. i told them to close the account and simply return my hard earned money. i have never had an experience like this before with a financial institution. the money i deposited to the account i want it back and the account closed. i almost used this company for direct deposit. im so glad i did not make that move..... i have proof of the deposits made to the account. 

I want the deposits returned and the account closed. 
thank you to whom ever will be investigating this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: VA

Complaint narrative:
First I must begin with my information was part of the massive XXXX data leak back in XXXX. I had a pretty rough time with credit years ago, but never really cared enough to check my credit at all until recently. 
My credit report has been mixed up and merged with another persons and instead of immediately deleting the fraudulent and incorrect information, Experian keeps opening new disputes for me when I call and then updating the personal information to match mine instead! I didnt want a dispute! I wanted the information deleted. 

Starting towards the beginning of XX/XX/XXXX I began calling and discussing with Experian a couple of accounts/inquiries I didnt recognize as mine and wanted deleted. They instead opened a dispute for me, updated those accounts to link them to me and kept them on my profile when the dispute was completed. 

Then I had an entire bulk of additional accounts that were also in someone elses name added to my credit on top of that. Once again, I called and spoke with an associate at Experian and they insisted they could erase information immediately even after I explained what happened before. They insisted that they would code everything right for deletion. So they opened another dispute for me and then the information was, once again, just updated and remained on my report. 

These accounts were completely in someone elses name, address and SS # however Experian not only left them on my account. They updated the names, addresses and SS # during their disputes to match my information! 

Thats completely unethical and illegal in my personal opinion. All the bureaus pool information together from these consumer reporting agencies, thatre just random third parties that have no real way of validation. Whos going to hold the 3 bureaus or all the consumer reporting agencies accountable for these mistakes or fine them for their wrongdoings? Absolutely no one. They have no fear in putting anything they want on anyones credit report, regardless of the outcome for their financial situation. 

I request IMMEDIATE removal or verification of all accounts in question and have lost faith completely all the credit reporting and consumer reporting bureaus for reporting false or incorrect information so freely.

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 2022-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Referencing XXXX  complaint number XXXX. With Shellpoint Mortgage The long and short of it A few years ago when Shellpoint took over my mortgage, my payments were misallocated, to where I dont know. 
They threatened with foreclosure.. 
I sent them the every cleared check to prove I was not late, in the midst of this they reported me to the credit bureau and ruined my credit, they refuse to fix this. 
XXXX at the XXXX  has been working with me, suggested I contact whistle blowers. 
Till this day they are claiming I am late and charging late fees, which I am not. 
In a written response to the XXXX  Shellpoint was to return my mortgage in good standing and has not.I receive weekly standard correspondence that says we are working to gather information This has been going on for 2 years and Ive suffered enough stress over this and want this fixed. Its terrible a mortgage company can control a person. 
They also have threatened foreclosure, Including sending someone to the house to photograph it for them. 
I really could use your help. 
Thank you

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 2022-09-14 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: TN

Complaint narrative:
Equifax is continuing to report a collection which is not accurate and closed. The debt agency has contacted and provided Equifax with the necessary documents to remove collection for XXXX XXXX XXXX but they continue to report the debt. This causing damage to my credit report and causing me issues with closing on my home. I have reached out to Equifax several times by phone and filing a dispute with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: DE

Complaint narrative:
I received a copy of my credit report and found the following Item ( s ) to be INACCURATE 1. INACCURATELY REPORTING XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 2. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 3. INACCURATELY REPORTING XXXXXXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 4. INACCURATELY REPORTING XXXXXXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 5. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 6. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 7. INACCURATELY REPORTING XXXXXXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 8. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH XXXX CREDITOR 9. INACCURATELY REPORTING XXXX XXXXXXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 10. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 11. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 12. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 13. INACCURATELY REPORTING XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 14. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 15. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 16. INACCURATELY REPORTING XXXX XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 17. INACCURATELY REPORTING XXXX XXXX XXXX 18. VERIFY ACCURACY WITH ORINGINAL CREDITOR INACCURATELY REPORTING XXXX XXXX  VERIFY ACCURACY WITH ORINGINAL CREDITOR 19. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 20. INACCURATELY REPORTING XXXX XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 21. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 22. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 23. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 24. INACCURATELY REPORTING XXXX XXXX  VERIFY ACCURACY WITH ORINGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these ALLEGED Items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months. 


Sincerely, XXXX : XXXX Without prejudice Without Recourse

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 2022-09-14 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: DE

Complaint narrative:
I received a copy of my credit report and found the following Item ( s ) to be INACCURATE 1. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 2. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 3. INACCURATELY REPORTING XXXXXXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 4. INACCURATELY REPORTING XXXXXXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 5. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 6. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 7. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 8. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 9. INACCURATELY REPORTING XXXX XXXXXXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 10. INACCURATELY REPORTING XXXX XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 11. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 12. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 13. INACCURATELY REPORTING XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 14. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 15. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 16. INACCURATELY REPORTING XXXX XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 17. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 18. INACCURATELY REPORTING XXXX  XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 19. INACCURATELY REPORTING XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 20. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 21. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these ALLEGED Items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months. 


Sincerely, XXXX : XXXX Without prejudice Without Recourse

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 2022-09-14 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: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-09-14 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: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: BANKERS HEALTHCARE GROUP LLC
State: WI

Complaint narrative:
Breach of signed contract. 
BHG " partnered '' with a seperate bank to mange our loan; did not inform us in writing that this transfer/partnership was occurring. Contract states that line of credit will not be reported to credit bureau ( s ). The partner bank reported to the credit bureau ( s ) breaching our contract signed with BHG. BHG readily admitted this was a breach of contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. Statee Ihave the right to privacy. 15 U.S, C 1681 Section 604 A Sections 2 IT also states a consumer reperting agency can not furnish a account without my written instruction,

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 2022-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VT

Complaint narrative:
XXXX XXXXXXXX says I opened an account with them I believe in XX/XX/XXXX or XXXX I have tried disputing this many times on there website XXXX I believe it's called whatever the company that took it over for collections the amount is XXXX XXXX and its the only bad thing on my credit report I have tried many times to have someone hear me out but everytime I try disputing it they just ignore it or don't do anything I know for 100 percent fact I never opened anything through any credit company and I tried to explain I believe my actual birth sister did it because she has done it to other family members and she knows my ss number and all of my info because our ss numbers are exactly the same except our last 2 digits I just need help getting this resolved because if I didn't have this on my credit report I would of been able to do things like purchase a car or a home but this negative thing is stopping me if I did it I would of owned up to and made it right but I didn't and I don't have the money to hire someone to help me dispute it correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
I received a notice from On Line Information Services, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX reference # XXXX for a collection on behalf of " XXXX XXXX '' in the amount of {$480.00}. I notified the collection company that the debt was NOT mine, as I have never had an account with XXXX XXXX. They claim to have verified that the account is mine, and sent a copy of a bill addressed to XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

I have never lived at the address. In fact, the date of the debt is XXXX -- I have lived in XXXX from XX/XX/XXXX to now. Prior to that, I lived in XXXX. They have not done due diligence to verify it is me. There must be a million " XXXX XXXX. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My monthly payments are {$75.00} each month and due on the XXXX of every month. I make payments through the Ashley XXXX. However I am always having trouble making payments, as their app never works. They have absolutely 0 days of grace period. If I make the payment the next day I must pay {$120.00} which includes the late fee. I find it extremely unfair, as they should either allow a grace period or fix their app. I understand that as a consumer I am responsible to make payments on time but I do not have the capacity to sit around and keep launching the app until it works. Nothing on their app indicates if there is any other form of payment. I have paid this late fee in the past multiple times and have not complained but I can show proof ( screenrecord ) that I have had multiple issues in the app. I would like to have those fees waived. XX/XX/XXXX as well as XX/XX/XXXX even dating back to XXXX. Although I am aware and signed the contract, the interest they charge is abusive and the fact that they don't have grace periods is ridiculous, all credit cards have some sort of grace. Those people are hard to get a hold of, you call synchrony bank, and they tell you to call the store Ashleys and you're just back and forth to the point where you just give up and don't ever call back. These late fees date back to XXXX where I also sent a chat to them advising that I was having issues on the app and that I could not make a payment. I will never ever do business with synchrony and Ashleys and have a few acquaintences that feel the same. I will at every opportunity discourage anyone from shopping at XXXX  and using synchrony as the creditor.

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