vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to say they do not have a credit record for myself, which is impacting my ability to lease an apartment/ buy a house, which deeply impacts my quality of life. XXXX XXXX and XXXX both have complete credit reports on me. 

XX/XX/XXXX I was informed my data was part of a data breach. I called Equifax to freeze my account. At this time XXXX at Equifax informed me my information was not within their systems and to mail a cover letter, a copy of my drivers license, a copy of my social security card, and to request my account be frozen, update the information on life, and to receive my free credit report. 

XX/XX/XXXX I mailed Equifax ( XXXX XXXX XXXX, XXXX, GA XXXX ) with the information above. 

XX/XX/XXXX Equifax mailed me back saying they could not locate a credit file for me. 

XX/XX/XXXX I went to apply for an apartment and was denied. I called Equifax to confirm if they had since located my data. They confirmed they had not, and had never received credit information about me. I called my credit card company, XXXX, who verified every XXXX of the month they provide a statement to all three credit bureaus, which included Equifax. I called Equifax back, to inform them I planned on filing with the US Government a complaint and taking the necessary legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX Date Updated : XX/XX/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 2021-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was asked to apply for a Credit card at Home Depot and decided to cancel it. They had an old address for me which they said they couldn't change. As a result, I never got a bill and there's nobody to communicate with. As of now, I'm getting hit with fees, and am subject to collection by Citibank which I have nothing to do with. 

I want them to remove the fees, however, I do want to pay for any legitimate purchases made at the time of my application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have disputed with XXXX XXXX on 3 separate occasions within the last 90 days an incorrectly reported account with XXXX XXXX LVNV FUNDING Resurgent. This account was included in XXXX  XXXX Bankruptcy discharged on XX/XX/21. On XXXX I called Resurgent  at XXXX XXXX 2 times between XXXX and XXXX XXXX pst and requested that they report this account as closed and included in a XXXX  XXXX BK discharge. I was told it was not in the bankruptcy and I was told I had called them in XXXX and asked for a hardship deferral ( I did not, I had my Bankruptcy hearing in XXXX ) and that I could resume payments when my financial situation changed and I explained that I would not be making any additional payments as this debt was discharged in a XXXX  XXXX Bankruptcy. She continued to insist this was not in the bankruptcy. I called back later in the afternoon after gathering all the paperwork to show this was included in the BK and this time they refused to provide any information at all as they said the account was flagged with a cease and desist despite the fact that 3 hours earlier the rep was able to discuss the account with me. They told me I had to remove the cease and desist for them to discuss the account with me and I was not comfortable doing so as whatever they were doing seemed suspect. I just want this information reported correctly. All of the other accounts included are reported as closed included in bankruptcy. This account reports as an open collection account in my XXXX XXXX report only and this score is almost XXXX  points lower than XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I did not apply for credit or authorize these companies to pull my credit report. 


XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: NY

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. The accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I dealt with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an offer by US Bank to refinance my house mortgage. The communication with US Bank started in XXXX 2021 ; paperwork was sent by me to US Bank on XXXX XXXX, 2021, and a {$400.00} processing fee was extracted from my account by US Bank to complete the application form. However, since initial paperwork was completed, there has been no progress by US Bank. I have inquired multiple times to the above 3 names. About once a month I got requests from US Bank for updated bank statements and profit/loss statements, which I send them, and then I get no further communication from them. This happened 3-4 times, where I keep asking for updates and they do not appear to be processing my application, but they have taken my application fee. I believe they are misleading in that they have not processed the application at all and have no intention to do so. 

I lodged a complaint with CFPB, and they responded that they would refund {$390.00} towards my application fee. They did NOT do this, and instead sent a letter denying my application, claiming I failed to send them the very information I sent them XXXX  times in a row!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There are some negative items in my credit report and dont belong to me XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX CAPITAL ONE BANK USA N Account Number : XXXX CAPITAL ONE BANK USA N Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I did not apply for credit or authorize these companies to pull my credit report. 


XXXX XXXX XXXX XX/XX/2020 XXXX Lowes XX/XX/2020 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 2021-12-01 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: UT

Complaint narrative:
There is a collection account that appeared on my Equifax that stated the original creditor was XXXX and is now under collection with XXXX as of XXXX2021 in the amount of {$230.00}. There was never a collection account or negative reporting from XXXX. I have tried to join and pay Equifax to dispute this online as my current employment wont allow phone calls within Equifax customer service hours M-F, XXXX. I have signed up to file a dispute and had to get my pin mailed to me from Equifax. I have gone thru their online verification process and added my credit card to pay for monitored services and entered the verification code that that sent thru the postal service and am STILL NOT able to access my report and be able to enter a dispute. It has been over XXXX weeks and I would like to have access to my online report and dispute this erroneous collection. I have very limited time and thought my best approach would be to contact the Comsumer Finance for help on the removal of this collection and to let Equifax know that this type of issue is very concerning. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: OH

Complaint narrative:
My Experian score dropped XXXX points in XXXX. It states that I have had XXXX " serious delinquent '' account, which is incorrect. My report only shows positive ( 100 % on time all accounts ), so I am unable to file a dispute. I have called and tried to submit disputes. Experian says I can't dispute a positive report. They say they can't explain why it is on my report, why my score dropped XXXX points, or how to correct it. Please advise. My Experian report is now XXXX points less than any other report and shows a delinquency with no information or account 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 2021-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently discovered inaccurate and unverifiable Bankruptcy on my credit report with TRANSUNION. I spoke with XXXX XXXX Transunion supervisor, XX/XX/2021 and he told me that court was reporting it and I told him I have the court document show they are not reporting it. I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for an investigation report and never received it. The law says this that it should be removed in four days and it's been over four days as you can see on the REPORT, I sent it on XX/XX/2021 and today is XX/XX/2021. 15 USC 1681-C 2 ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 USC 1692 ( A ) ( 1 ). 15 USC 1681 ( 3 ) ( E ) ( e ) the term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of 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 non-monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
In XXXX of 2018, Affirm put a late payment on my account. This was an auto-pay issue and the lender recognized this on their end. I made one last payment to close the account. They sent me a letter saying they received the payment and the loan was closed but never removed the late payment that was associated with this issue. It popped up on the credit bureaus and it shows it's in the collection even after I paid them. This has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
In XXXX of 2020, a merchant denied me of cancelling items that I told them I would no longer need. I used synchrony bank to make the purchase and complied with the companys policy to cancel items before XXXX  hours. I contacted the company via phone and told them I will no longer need the furniture and they attempted to push the items on me XXXX times. I refused the items and never received and they wrongfully reported to synchrony bank that I took the items. Ive contacted synchrony bank, and they want me to still pay the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Mortgage on XX/XX/2021 has my insurance escrow as {XXXX} when it should be {XXXX}. I want to explain to XXXX. The phone number they have doesn't have a live person and just directs you back to the website. If you call Chase they tell you to call the phone number " my mortgage coverage info '' and well you're back at square one. I sent an email to them and they just reply resend your policy. I'm at wits end what to do. 

Now my mortgage payment has substantially increased due to this inaccurate mortgage amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
On XX/XX/XXXX my vehicle a XXXX XXXX XXXX XXXX was totaled in a car accident. Because I am in a Chapter XXXX bankruptcy there was a certain process that I and my insurance company had to go through so that the balance I owed on the vehicle ( approximately {$2500.00}. ) would be paid first and then I would receive the balance and my insurance company would receive the car title/letter of guarantee. In mid XXXX my insurance company XXXX conversed several times with both my Attorney and Kia Motor Finance and was reassured by Kia Motor finance that they would send the letter of guarantee within XXXX business days with the exception of the XXXX holiday. We are now in XXXX and my insurance company has not received the letter. Both they and I myself have called KIA Motor Finance and they have not been cooperating. I have requested to speak with a supervisor and none are ever available. I have left my contact information and have not received a call back, an email, nothing. They have refused to discuss the holdup with my insurance company only telling them it could take up to 1 month ( 30 days ) before they send the letter. This is unethical and ridiculous. This is generally a process that takes XXXX to XXXX business days at the most. Can you please assist me and my Insurance company with this matter. At this point my Attorney has done his part. 
To verify the above information you can contact XXXX Insurance Representative XXXX XXXX XXXX XXXX XXXX. If you need to speak with my Attorney I can provide his contact information as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XXXX of 2018, Comenity Bank put a late payment on my account. This was an auto-pay issue. The creditor recognized this on their end because when I called to let them know I couldn't make a payment, a rep from the bank told me they had the same issue with other users. They told me to wait a couple of days and try again. Which I did and the payment went through. They also told me that they won't charge me a late fee or report the late payment which they never removed the late payment that was associated with the same issue. It popped up on the credit bureaus and has greatly lowered my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 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: 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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge off XXXX XXXX Balance : XXXX XXXXXXXXXXXX  XXXX Balance XXXX {XXXX} Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Balance {XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX Balance : {XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {XXXX} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am very upset with this issue. I sent a letter to CMRE FINANCE regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation