vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 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: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

KAY JEWELERS XXXX Balance {$0.00} ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pacific Rim Alliance Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt that I do not owe them. They illegally purchased my information from CHECKMATE. Further more they are reporting this false information to all 3 credit bureaus. I have no contract with XXXX XXXX XXXX them and CHECKMATE are in violation of 15 usc 1681 and 15 usc 1692.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: CA

Complaint narrative:
I paid off a collection from XXXX XXXX XXXX in XXXX of 2021 with the express verbal agreement the collection would be removed from any and all credit reports. However over ten months have passed and the account continues to show on my credit reports with an unpaid balance.

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 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Monday, XX/XX/2021, I received incessant phone calls and multiple voice messages from " XXXX '' asking if I wanted to " dispute the charge. '' Below are listed the dates and times ( PST ) of voice messages received from " XXXX. '' The message was always cut off, and I only heard the following from an automated-type of voice : " ... to dispute the charge, press one to connect with our XXXX customer care representative XXXX Thank you. '' XX/XX/XXXX : XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XX/XX/XXXX : XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XXXX I usually ignore these calls, but when I received the same voice message on the XXXX, I had enough. I searched for XXXX Customer Care number online and spoke to XXXX who informed me the messages were definitely not coming from XXXX and that I didn't owe any money. He strongly advised I file a report to the Federal Trade Commission and follow the guidelines for fraudulent activity in XXXX 's Help page. While I haven't yet, I plan to file a report to the Federal Trade Commission next. 

Thank you! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I just wanted to ask why I dint qualify for this lawsuit against santander in XXXX when they did the same thing to me in XX/XX/XXXX. When I received this car they knew I only received ssi they saw all my creditors knew I own a home and pay mortage and was raising grand kids. They knew I wouldn't be able to keep up with this loan. They lost big because of they actions with low income buyers and they are still doing it They lost a lawsuit in XXXX and the next month they did the same thing which they was being sued for To be part of a new lawsuit if one ever comes available they knew I would t able to pay this loan. They saw my income and bills and still ket me buy a new car https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commission identity theft affidavit. Please delete the items as soon as possible.

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 2022-01-07 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: GA

Complaint narrative:
I pulled my credit report and saw some incorrect information. I sent letters out multiply times here are the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the following account was charged off as of XX/XX/XXXX. Since then the account has repeatedly been updated as charged-off every month. This is an update in the payment history which to my understanding charge-off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. I am demanding deletion of the following account : Account Name : XXXX XXXX XXXXXXXX and 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 non-monetary relief
Consumer complaint received 2022-01-07 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:
XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from XXXX XXXX. While auditing my credit repair, I came across a few errors. XXXX XXXX Bank is not reporting the same date opened to all 3 credit bureau, XXXX XXXX Bank is not reporting the same High Credit to all 3 credit bureaus, XXXX XXXX Banks is not reporting the date last active the same to all 3 credit bureaus. Because of XXXX XXXX Bank not reporting accurately to the credit reporting agency the same across the board, its affecting my scores and worthiness. I tried challenging heir Accuracy and Integrity but no one from XXXX XXXX Bank or the Credit Bureaus have answered my issues. The negative and defaming information is hindering me from getting a favorable XXXX XXXX and interest rate. I reached out to the credit bureaus ( Transunion, XXXX, XXXX ), they never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and

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 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank IRU team 's Negligence on my appeal for a XXXX XXXX Fraud-Denied claim The incident happened on XX/XX/XXXX. I received the first denial response from the investigator called XXXX on XXXX XXXX. With the help of a XXXX translator, I have requested to start an appeal on XXXX XXXX. However, when I called back on XX/XX/XXXX, IRU team said it was a closed case, XXXX didn't start the appeal and no investigator was working on my case!!! So I requested again to start an appeal on XX/XX/XXXX, and wait for a response within XXXX days. Afterwards, I called in to request an update on XX/XX/XXXX. IRU team ( XXXX XXXX ) can't give me the name of my new investigator. I called again on XX/XX/XXXX. IRU team ( XXXX XXXX told me that XXXX XXXX had just reopened my case on XX/XX/XXXX and still waiting for a new investigator to review my claim for 30 to 60 days!! It is so obvious that they have done nothing for my appeal between XX/XX/XXXX till now!! They ignored my appeal request and no investigator cares about reviewing my case ( {$89000.00} ) It showed me how horrible the way Citibank is lying and ignoring my request of appeal!!! They don't provide me with reasonable care and protection when I reported to them promptly for the fraud!! They have ignored my appeal request for 3 times up to now on XXXX XXXX ; XX/XX/XXXX and XX/XX/XXXX. Until today, there is no XXXX NO PROGRESS in reviewing my claim!!!! Citibank doesn't provide customer protection and reasonable care when we need them!!! 
Please make a move, change and help me!! Help me to stop the fraud and refund my MONEY ASAP!!!

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 2022-01-07 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: CA

Complaint narrative:
I paid off a collection from XXXX XXXX XXXX in XXXX of 2021 with the express verbal agreement the collection would be removed from any and all credit reports. However over ten months have passed and the account continues to show on my credit reports with an unpaid balance.

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 2022-01-07 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 paid off a collection from XXXX XXXX XXXX in XXXX of 2021 with the express verbal agreement the collection would be removed from any and all credit reports. However over ten months have passed and the account continues to show on my credit reports with an unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: OK

Complaint narrative:
On XX/XX/XXXX, I was on my way to physical therapy when I was hit by a lady who had no drivers license or insurance. The lady was at fault and received several tickets. My insurance company XXXX determined that my car was a total lose and issued XXXX XXXX a payment of XXXX, XXXX on XX/XX/XXXX. On the day of my accident I got a payoff quote sent to me from XXXX XXXX ( The Payoff Amount owed on the Account is {$13000.00} as of XX/XX/XXXX ) and I notified them of the accident. I also purchased GAP insurance and a warranty when I purchased the car which totaled 4000, which should take care of the difference. Credit acceptance is now saying I dont have Gap or a warranty and is reporting to the credit bureaus that I am 60-90 days behind on payments and owe them 2000 ( the amount keeps rising so Im not for sure on amount ). This is the second time reporting XXXX XXXX  the first time was for the FAKE warranty that I purchased and now to find out the Gap insurance I purchased was a scam also. 
I sent a dispute to all three credit bureaus that showed all this and explained the date of the last payment was wrong which according to MY RIGHTS the credit bureaus should have deleted it because of incorrect information instead ignored my request and said it was reporting correctly. This would also be the second time all three credit bureaus violated MY RIGHTS, I am also sending a copy of the first dispute where all three credit bureaus refused to delete incorrect payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: OK

Complaint narrative:
On XX/XX/XXXX, I was on my way to physical therapy when I was hit by a lady who had no drivers license or insurance. The lady was at fault and received several tickets. My insurance company progressive determined that my car was a total lose and issued credit acceptance a payment of XXXX, XXXX on XX/XX/XXXX. On the day of my accident I got a payoff quote sent to me from credit acceptance ( The Payoff Amount owed on the Account is {$13000.00} as of XX/XX/XXXX ) and I notified them of the accident. I also purchased GAP insurance and a warranty when I purchased the car which totaled XXXX, which should take care of the difference. Credit acceptance is now saying I dont have Gap or a warranty and is reporting to the credit bureaus that I am XXXX days behind on payments and owe them XXXX ( the amount keeps rising so XXXX not for sure on amount ). This is the second time reporting credit acceptance the first time was for the FAKE warranty that I purchased and now to find out the Gap insurance I purchased was a scam also. 
I sent a dispute to all three credit bureaus that showed all this and explained the date of the last payment was wrong which according to MY RIGHTS the credit bureaus should have deleted it because of incorrect information instead ignored my request and said it was reporting correctly. This would also be the second time all three credit bureaus violated MY RIGHTS, I am also sending a copy of the first dispute where all three credit bureaus refused to delete incorrect payment 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 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I dont know the accounts or the amounts its was opened under my name because Im not the one who opened it

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 2022-01-07 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 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: FL

Complaint narrative:
Not my account.. Already submitted fraud reports to all these companies. Please remove asap

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 2022-01-07 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  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 2022-01-07 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a Bankruptcy ( BK ) listed on my credit report. It may belong to somebody else with the same name as me and is on my report in error, I am not sure. I have attempted to fix this issue with the three bureaus, though unsuccessfully. I have sent monthly dispute letters via certified mail. All three bureaus claim the BK was " verified as accurate ''. XXXX stated they verified the account through third party XXXX. This is not possible because I have confirmation from XXXX that my account has a security freeze placed so they are not providing info to anyone regarding my account AND they sent me a letter confirming they removed the listed BK in compliance with the Fair Credit reporting Act ( attached ). This proves that XXXX did not verify through XXXX. XXXX stated they verified the account as accurate through " the company that reported the bankruptcy ''. They did not provide info regarding who reported this error. I did contact the Court that XXXX listed and they stated they did not report it nor did they verify it as accurate. TransUnion stated they verified it as accurate and provided no further information. TransUnion also states on its website that it verifies BK using XXXX. At this point I am at a loss as to where or who I need to contact to have this very harmful error fixed

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