vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-26 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: MA

Complaint narrative:
I reported these 3 account over the last 6 months as Im correct reporting and nothing was done account keep being verified but not removed as demanded for inaccurate reporting and violations under the FCRA { 15 U.S.C. 1681 } Permissible purpose of consumer reports The law will be attached and Im demanding removal of all 3 accounts due to not having written consent as the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Debt was placed on XX/XX/2017 with a balance of {$3200.00} that i dont know this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I ( a natural person ) was issued a false debt that was mailed to me. I have sent a affidavit of truth proof of validation exhibit and have not received a response. The alleged debt is a defamation of character which is in violation of of title 15 USC 1692b ( 1 ). Also within the collection the credit card company is adding interest to the alleged debt which is in violation of title 15 USC 1962f ( 1 ) below I have attached the statement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I C SYSTEM XXXX XX/XX/XXXX {$650.00} XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XX/XX/XXXX {$110.00}

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 2021-09-26 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: NJ

Complaint narrative:
Multiple XXXX XXXXXXXX credit accounts and collections in their behalf continue to report negatively on my credit report with XXXX, XXXX and TRANSUNION. I have a discharged bankruptcy in which XXXX XXXX accounts were included and this should include all collections on their behalf. I have made multiple disputes on this matter. The accounts were updated to a positive status but later put back to a negative one. I pay monthly for a membership that never has the proper updates and it continues to impact my credit score negatively. Being told by representatives that these items will fall off eventually does not help or solve my issue. These negative reports are having a huge impact on my credit rating.

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 2021-09-26 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: NJ

Complaint narrative:
Multiple XXXX XXXX credit accounts and collections in their behalf continue to report negatively on my credit report with XXXX, EQUIFAX and XXXX. I have a discharged bankruptcy in which XXXX XXXX accounts were included and this should include all collections on their behalf. I have made multiple disputes on this matter. The accounts were updated to a positive status but later put back to a negative one. I pay monthly for a membership that never has the proper updates and it continues to impact my credit score negatively. Being told by representatives that these items will fall off eventually does not help or solve my issue. These negative reports are having a huge impact on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for unemployment in XX/XX/XXXX and my account was hacked and all my money was stolen after MONTHS of calling and after properly id me linking it to the bank of America and walking into a branch to have the employees talk to edd as well to confirm who I was this employee actually told me the address of where my card was shipped to, that was on XXXX XXXX I reported that day that everything prior to XXXX XXXX was a fraud on my account this totals XXXX I had to live throughout the pandemic without any income lack of representatives to answer at XXXX and bank of America. XX/XX/XXXX I went to the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX the staff at this ups store told me I had mail and in order to get it i had to sign up for a box, so I did and the box name was under XXXX XXXX and XXXX XXXX and sure enough there was my card inside his box. I reported this to edd and to bank of America filed numerous fraud reports and still nothing, I am in major debt because of this and need help refunding me my money. an edd rep told me onXX/XX/XXXX that the issue was already sent to the bank of America to reissue the funds to me and it would take 7-10 days but nothing has been done.

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 2021-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Multiple Capital one credit accounts and collections in their behalf continue to report negatively on my credit report with XXXX, XXXX and XXXX. I have a discharged bankruptcy in which Capital one accounts were included and this should include all collections on their behalf. I have made multiple disputes on this matter. The accounts were updated to a positive status but later put back to a negative one. I pay monthly for a membership that never has the proper updates and it continues to impact my credit score negatively. Being told by representatives that these items will fall off eventually does not help or solve my issue. These negative reports are having a huge impact on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was in forbearance due to COVID and have been in a workout plan with current servicer to resolve past due fees owed. A loan modification was presented to me which increased the monthly payment instead of making the mortgage more affordable so I had declined the modification agreement. Servicer advised a valuation needs to be ordered to qualify me for a more reasonable modification agreement which is currently in process. While we are waiting for the valuation, the Servicer reported me as being 60 day late to the credit bureaus. Aren't the Servicers suppose to help consumers develop a reasonable workout plan and not further damage them with incorrect reporting to the credit bureaus? Please help clarify the current laws regarding reporting requirements for consumers attempting to exit forbearance as a result of COVID

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: CA

Complaint narrative:
I have about 20 hard inquiries on my credit report from all 3 of the major bureaus. I never authorized these and I also have a collection from XXXX and Tempoe and Tempoe turned over the debt to another company called XXXX XXXX. All of this is unauthorized and I dont owe any debt and I didnt apply for a credit or anything else. I need all of this removed off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd.
State: WI

Complaint narrative:
In reviewing case number XXXX Cottonwood Financial XXXX XXXX Vs. XXXX XXXX did not disclose payoff or close out of Civil Judgement. I do not have a Judgement status or date. I did file a chapter XXXX Bankruptcy, United States Bankruptcy XXXX XXXX XXXX XXXX Wisconsin, http : XXXX Case number : XXXX. I request paperwork on this older judgment, for satisfaction in the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: U.S. BANCORP
State: CA

Complaint narrative:
I recently divorced XXXX XXXX and he is not happy with our divorce outcome, and i believe him to be the culprit for identity theft for me and my family. 

I found a user name on XXXX that i did not create, but 1 letter off from my typical user name. I reset the password and have been cleaning it up, but I can not keep any bank accts or Cc safe. They are constantly being compromised, alerts changed, money transferred out, etc. 

XXXX address and moms address showed up on my Acct as well as tons of alias and old employers that were spelled incorrectly and from prior to me opening my own business. Can you please help me obtain all the credit inquiries/accts that are associated with these incorrect details from my credit report? 

Ive never lived at either of these addresses. 

XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX, Ca XXXX This is my business address from XXXX to XXXX. I was told by XXXX XXXX that a XXXX loan was taken out in XXXX and paid in XXXX, but that may have been my ppp loan. However, i did not use the XXXX address for my ppp loans. I closed my XXXX XXXX in XXXX. I found a business credit website that showed my name and social as a business alias and so Id like to run a check against my business too please. 

XXXX XXXX XXXX. ( XXXX ) XXXX Some other issues are My phone and computer are hacked, same with email, all accts, XXXX has a fake Acct set up, most do including XXXX XXXX XXXX XXXX. Edd has an Acct with each email address of mine ( 5 ). I let them know but they only see one claim. My dad has fraud on his Acct too, and i suspect XXXX will frame me to be the one who committed these frauds, which i would never do. Ive been having cash stolen from my purse too. Today, {$500.00} was stolen from inside my dads house while i was out back with him. Two nights ago while i was sleeping {$1000.00} was stolen from my purse. I have no safe bank accts, and cant hang onto cash, so Im getting frustrated and my credit score is down 100 points since XXXX because i cant pay my bills. My internet hack is preventing me from security thats reliable. 

Us bank denied my XXXX claim. I loaned a friend {$1000.00} through XXXX on XX/XX/XXXX. That week 2 more {$1000.00} payments came through and a {$500.00}. Us bank says the three {$1000.00} transactions were reported first ; then the {$500.00}. I never reported the legit 1st loan pmt, but did call in the fraud and they added the {$500.00} without realizing the others were reported and included my pmt to XXXX XXXX. I believe it was identity theft report I also saw that checks my dad wrote to his house keeper were deposited into two banks, but she has XXXX XXXX, so XXXX in XXXX XXXX likely has an Acct open of mine but identity theft

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 2021-09-26 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: Credit Karma, LLC
State: TX

Complaint narrative:
Shortly after installing the CreditKarma XXXX, I received a welcome email, which I may/may not have clicked on. Since, and in attempts to find cheaper auto insurance via their " offers '', I did choose to go with XXXX XXXX XXXX. No problems with that, as of yet. ( I DO have MAJOR problems with XXXX though ). Recently, I also received both email and XXXX notifications about their XXXX  XXXX, which seemed like a good idea to rectify legitimate outstanding claims using a pre loaded card. 
Then, the problems started while applying, with the XXXX, that it repeatedly cited my phone number was recognized and validated upon registration ... .. but the device was not. It prompted for the phone number to text a code to ( which sounded odd, having said the number was validated ). Time after time a text never came. Using the web based " chat '', that initiated a call to my phone. The person was female, loud room, sounded XXXX, which also yielded zero results so I asked for her supervisor. She cited the problem was with my phone and to check with my provider. Eventually, after pressing why a simple task was an issue, she said they used another 3rd party which " handles the phone numbers ''. She said a supervisor was not present, and one would be calling in 24 hours. 
Since, I have received multiple phishing emails and phone calls. 
Phone call from : XXXX and XXXX Emails from XXXX XXXX and XXXX The same day, I applied for XXXX 's Card. Exact same problem again with the phone number from both the XXXX and website. Exact same sequence of events and likeliness. I have been with XXXX for 17 years. I still use a XXXX key fob that is impossible to duplicate from their XXXX XXXX days. 
Phone calls from : XXXX XXXX This also seems to happen a lot on both XXXX and XXXX if a low/negative review is posted .... or if no review at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: CA

Complaint narrative:
Equifax wrongly reported me for two debt collection accounts ( both reporting in XX/XX/2021 ). This greatly impacted my credit score. I have called Equifax and tried to resolve the issue as soon as possible. But they insisted that the report is accurate and had me call the debt collection agencies with whom I did not have any association. The debt collection agencies ( XXXX and XXXX ) did not have my information on their file. To date, the two debt collection accounts still exist on my credit report ( please find attached the images ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2021 I requested a credit line increase for my XXXX XXXX XXXX card. The system did a hard inquiry on my credit without my consent. 

If I knew that XXXX XXXX would do a hard inquiry, I would not have requested a credit line increase. I have worked with XXXX and XXXX XXXX for credit line increase. They clearly communicated to me regarding what type of inquiries they will do before they approved my credit line increase request. In case of XXXX XXXX XXXX card, the website asked me to enter an amount for my credit line increase request and when I pressed next button, it automatically did a hard inquiry without my consent. It was a surprise to me and my wife. 

I tried to work with their customer service several times but they were not helpful and said they can not do anything to help me. I am a first time homebuyer and I can not afford to have this hard inquiry on my credit report. I did not consent to this inquiry.

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 2021-09-26 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:
Need these hard inquires to get remove from my credit I didnt give any authorization for not want to run my credit for any inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: FL

Complaint narrative:
Need these hard inquires to get remove from my credit I didnt give any authorization for not want to run my credit for any inquiries

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 2021-09-26 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: Phoenix Financial Services LLC
State: CA

Complaint narrative:
XXXX wrongly reported me for two debt collection accounts ( both reporting in XX/XX/2021 ). This greatly impacted my credit score. I have called XXXX and tried to resolve the issue as soon as possible. But they insisted that the report is accurate and had me call the debt collection agencies with whom I did not have any association. The debt collection agencies ( XXXX and Phoenix ) did not have my information on their file. To date, the two debt collection accounts still exist on my credit report ( please find attached the images ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
XXXX wrongly reported me for two debt collection accounts ( both reporting in XX/XX/2021 ). This greatly impacted my credit score. I have called XXXX and tried to resolve the issue as soon as possible. But they insisted that the report is accurate and had me call the debt collection agencies with whom I did not have any association. The debt collection agencies ( ARS and XXXX ) did not have my information on their file. To date, the two debt collection accounts still exist on my credit report ( please find attached the images ).

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 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX and XXXX Called the companies on my credit reports, all said the same thing no record of me and have no knowledge! Contacted XXXX and equivalence to no avail! Sent in paperwork that they are saying they never got! Sent XXXX the same paperwork and my inquiries are gone the ones that are not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX and XXXX Called the companies on my credit reports, all said the same thing no record of me and have no knowledge! Contacted transunion and XXXX to no avail! Sent in paperwork that they are saying they never got! Sent XXXX the same paperwork and my inquiries are gone the ones that are not mine!

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 2021-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/21 my card was charged for $ XXXX XXXX  XXXX XXXX.CLAIM ID : XXXX. I submitted a dispute because the company over charged me by {$370.00}. Which I reported and stated no receipt was signed agreeing to that. 

Upon investigation, I was overcharged for a product by a deceptive company who falsified my signature and even though I told chase this happened they still sided with the company! Chase violated my cc rights by not letting me respond and state my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
I successfully paid off my car loan in XX/XX/2020, but Ford Credit did not send me a coy of the car title nor did it transfer anything to the Virginia XXXX. Ive tired to obtain the title from Ford but theyve been unresponsive.

Company response to consumer: Closed with explanation