vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-15 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: MI

Complaint narrative:
XXXX XXXX put something from XXXX XXXX on my credit report without validating the debt. XXXX is not able to put anything on my report without going through the court due to a previous dispute. But at this time I do not owe anything to XXXX XXXX and XXXX XXXX failed to respond to me in a timely matter and is thus reporting inaccurate data on my credit reporting preventing me from getting a home. Thus I will be looking at taking the next step in legal action against both parties.

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 2019-12-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I became aware that I missed a car payment with Ford after it had been reported 30 days late and showed up as a derogatory mark on my credit report. I missed this one payment of {$500.00} in XXXX  or XX/XX/XXXX depending on the credit reporting agency. XXXX reported it late in XX/XX/XXXX, XXXX reported it late in XX/XX/XXXX, and XXXX reported it late in XX/XX/XXXX according to my credit reports from each bureau. 
I had my first 3-year lease with Ford that started in XX/XX/XXXX and I made all the monthly payments on time and then released another car in XX/XX/XXXX. My second lease with Ford is where the one-time-late payment occurred. I messed up and didn't update my banking information for the monthly payment to come out of the new account. When I closed the old account, I forgot to update and give the new account info through the automated system. I didn't realize the nonpayment occurred until I found out on my credit report that I was marked as " 30 days late ''. 
As of today 's date, XX/XX/XXXX, I have successfully paid off the 2nd lease in full and have not had another incident of a late payment since that last occurrence. The last payment was processed on XX/XX/XXXX. I would typically make a $ XXXX  monthly payment which was more than the assigned amount of {$420.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Athena Bitcoin Inc
State: CA

Complaint narrative:
XXXX  transferred funds in the amount of {$870.00} to bitcoin on XX/XX/2019 have sent several support tickets to bitcoin and XXXX  XXXX  have not been resolved as of today funds are not in my bitcoin account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15 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: LJ Ross Associates
State: MI

Complaint narrative:
LJ ross put something from XXXX XXXX on my credit report without validating the debt. XXXX  is not able to put anything on my report without going through the court due to a previous dispute. But at this time I do not owe anything to XXXX XXXX and LJ ross failed to respond to me in a timely matter and is thus reporting inaccurate data on my credit reporting preventing me from getting a home. Thus I will be looking at taking the next step in legal action against both parties.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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:
On XX/XX/2019 I became aware of fraudulently opened accounts in my name on my credit report. As advised by an attorney, I immediately filed an FTC Identity Theft Report and a Police Report with the XXXX XXXX Police department. Per the FCRA section 605B, fraudulent information is to be blocked from a consumers credit report with a valid Identity Theft report, an assertion of identity theft, and a request to have these items removed, within 4 days of receipt by the credit bureau. Equifax received my documents on XX/XX/XXXX, and as of today the fraudulent items on my credit report have not been blocked, but Equifax has submitted a 30 day dispute to the credit bureaus which does not follow the FCRA Section 605B. I demand that Equifax follows the law and block these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15 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: DISCOVER BANK
State: LA

Complaint narrative:
Upon looking at my XXXX, XXXX, and XXXX credit  report I noticed an account for Discover Financial Services. Sent a letter to the company to their mailing address addressing this fraudulent account. However they have not given me a response and its passed 30 days. They didnt provide me an application with my wet signature, and no permissible purpose this is violations of the fair credit reporting act and I have never applied for anything with Discover Financial Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ResidentCollect, Inc.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: FL

Complaint narrative:
I have contacted Equifax for more than 90 days filing an inquiry ( s ) dispute clearly stating that the inquiries are " unathorized. '' not mine. The inquiry ( s ) by these creditors are inviolation of Permisdible Purpose vs ... a Hard Inquiry review of my credit report. I did not authorize any of these creditors to review my credit reports for credit Approval. Equifax has intentionally ignored my repeated dispute requestes by mail, and online. Equifax is simply mailing a standard form stating Eqyifax had received my dispute and has been reviewed- a review is not a dispute veriying the accuravcy of a disputed item reported on my credit report. Equifax simply sends a letter out stating contact the creditor. I have done so three times, and called and have been told by the creditor that they can not locate my information. Equifax has a duty to inveztigate any disputed item. Failure to remove the disputed items Equifax file file number XXXX dated XX/XX/XXXX constitutes vilations of FCRA Section 604 permissible Purpose reviews when checking credit history without consumer consent, but rather the pull being a Hard Inquiry, when it should have been a Permusdible Inquiry not seen by creditors. A 42 USC 1983 Civil Action will be filed for Non-Compliance for failing to remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I was intentionally defrauded by deceptive business practices while on vacation in Hawaii under a high pressure, with time constraints, told lies, which i relied upon when signing a contract on XX/XX/XXXX, that was grossly misrepresented with family vacation promises by XXXX XXXX XXXX, who promptly took my money and had me sign an installment payment agreement on the spot. when i actually got to read the contact, it made no sense, it actually is not clear on what was purchased, it notes property, license agreement, membership plan, with confusing and conflicting information, that still does not make sense. i tried to discuss with someone to cancel and they gave me the run around, and by the third day i went in person and the refused my cancel. i returned home and tried to cancel on XX/XX/XXXX, and they said the account is no longer theirs, that it was assigned to Monterey Financial Services. Come to find MFS is part of the scam. They exist to take over collections on the defrauded accounts, and they are in another state, CA to further perpetrate the fraud. They withdrew 2 payments from my bank and i cancelled it with my bank. They have been calling me and sending me notices of collections since, and after they did not receive 2 payments, they have reported me to collections. I talked to them to let them know i dispute thne contract. The agreement said for disputes to file arbitration, of which i filed on XX/XX/XXXX with XXXX, against both MFS and XXXX. Neither responded and XXXX now closed the file. And in fact, XXXX notified them that their arbitration clause is in violation of the rules, and that it did not go through the approval process and requested them remove it " so that there is no confusion to the public regarding out decision '' i want my money back, i want the agreement rescinded, i want restitution, i want my credit restored, and i want these frauds to stop ripping people off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
As a result of two errors I missed three payments. After trying to fix these errors it seems their online system had a bug and did not retain saved autopay information. 

First : after making payments, I had thought I had set up my account on auto pay. I had not and thought I had made a mistake setting it up. But after setting it up again with the help of your online chat, it was set up and showed properly. Then, a few hours later, it has disappeared. I believe this is exactly what happened before. 

Second ; the address on file for me was incorrect and I was not receiving any notices of the account being past due. I do not know how the dealer got an old address for our account, but it must have come from me. It was not the address on my drivers license, but I dont know where else it could have come from if not from me. 

Once the credit report was filed and I saw the drop in our credit score I corrected the missed payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has  been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCE CORPORATION
State: AL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: AL

Complaint narrative:
As a result of two errors I missed three payments. After trying to fix these errors it seems their online system had a bug and did not retain saved autopay information. 

First : after making payments, I had thought I had set up my account on auto pay. I had not and thought I had made a mistake setting it up. But after setting it up again with the help of your online chat, it was set up and showed properly. Then, a few hours later, it has disappeared. I believe this is exactly what happened before. 

Second ; the address on file for me was incorrect and I was not receiving any notices of the account being past due. I do not know how the dealer got an old address for our account, but it must have come from me. It was not the address on my drivers license, but I dont know where else it could have come from if not from me. 

Once the credit report was filed and I saw the drop in our credit score I corrected the missed payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation