vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2021 XXXX XXXX XXXX agreed to settle a collection as paid and to delete the tradeline from my credit report. I disputed the incorrect information with all 3 credit bureaus and the account was updated to reflect the {$520.00} paid but did not delete the account per the letter from the collection agency. This tradeline is hurting my credit score.

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 2021-06-02 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: GA

Complaint narrative:
I have openly announced to your company that there is an error on my credit report. You have constantly ignored my request to remove the item. I refuse to let your inability to look into this matter cause me to stress and struggle to get financing. Today I demand you do something about it. I have contacted my lawyer and I will seek litigation if I need to. 
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 
COPY OF FTC REPORT IS LOCATED INSIDE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). It's due to the fact that there are irregularities in my consumer report, It's compelling and greatly damages my reputation as a consumer. I do hope that these things will be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NJ

Complaint narrative:
the following account was never authorized to report on my credit : Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is bullying me into increasing my insurance coverage on my dwelling to the amount of the mortgage owed and Im being told this is illegal and that the coverage I had was completely appropriate as it was written on replacement cost value basis. An ins agent was furious when I asked for a quote because she said she is not going to be able to get it past underwriting. In order for her to get the dwelling amount up she has to add a bunch of things to my house that are not there. I have been battling w/Wells Fargo for over 3 mos. I can not find a lawyer who will take on Wells Fargo & now I am having a hard time finding adequate ins. & its hurricane season. If we have a storm now and my house is damaged and Im not adequately covered, I will need Wells Fargo to make repair to my home for having put me in this position now. They purchased my mortgage last year and for a year my ins was fine w/them. They claim they are reviewing files now and found my ins not to be enough. I find it hard to believe that they did not review my file when they purchased it and nothing had changed in the year. ( Expect I was 3 mos ahead on my payments. A practice I no longer bless them with ). If I didnt seek other ins on my own they will put ins in place for me and have threatened me that it will not be cheap either. I paid for the ins and provided Wells that proof and they still made payment as well. That in turn raised my mortgage amount because of the adjustment to my escrow acct. I made the payment myself specifically to avoid an adjustment and a negative escrow balance. I am currently going through probate and can not refinance. I feel Wells knows they have me over a barrel and are doing this intentionally. I need an agency to intervene and find out if they are truly going thru files or if they have singled me out. I do not understand how I can be made to insure my home for more than it costs to replace it? I further do not understand why they are messing with my escrow acct like they are when I provided proof of payment both times. Please help. Every time I state something to them, they try to bury me in paper & legal jargon as well as documents I signed at closing ( something about RESPA, etc )

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 2021-06-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have inaccurate personal information that need to be deleted from my credit report. As of XX/XX/2021 I have sent several letters to Equifax requesting that the incorrect information be removed. XXXX and XXXX  has already updated my personal information. Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: PA

Complaint narrative:
My name is XXXX XXXX an I'm submitting this complaint for myself an there is no third party involved. 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 this charge. I ask that the false charges be deleted to correct my credit profile. I reported the theft to the Federal Trade Commission and I also have enclsed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased 4 airline tickets for my self and family with XXXX XXXX for travel from XXXX XXXX to XXXX between XX/XX/XXXX & XX/XX/XXXX in the amount of XXXX. The purchase was made on my Chase credit card. Between the purchase and planned travel dates the global pandemic ( COVID 19 ) caused XXXX  ( and all other airlines XXXX to cancel non essential travel. At the time XXXX allowed passengers until XXXX or XXXX of XXXX to rebook the flights at no additional charge. As the pandemic continued non-essential flights between US & XXXX were still restricted by government and it was not possible to rebook by the fall of XXXX. At that time XXXX allowed travelers to convert the tickets to points that could be used in the future to rebook the flights. Then on XX/XX/XXXX XXXX announced they were canceling all US based flight & terminating transatlantic flights. With the cancelation of US based flights we now have unusable " points '', and opened a dispute with Chase on XX/XX/XXXX after becoming aware that it was now IMPOSSIBLE to use the service we paid for since XXXX  no longer flys out of the US & offered no alternative means of transportation between the US & XXXX. On XX/XX/XXXX Chase mailed a letter denying our dispute stating that " the charge took place too long ago ''. Leaving me and my family at a loss of several thousand dollars for travel arrangements that the original merchant ( by choice ) is not capable of honoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TX

Complaint narrative:
Upon inspection of my credit report I noticed the following collection account information to be fraudulent and need to be deleted from my file. 

Account Name : Account Number : Account Date : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX these addresses as they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2021-06-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Urgent Matter : FOLLOW-UP COMPLAINT Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX ACCT. # XXXX Violation Reported : original creditor is reporting as unknown. 

Violation Reported : account status reports as derogatory, and past due reports XXXX balance. no balance should be reporting for a collection/ charge-off. This account is reporting under the closed account section, and not reporting under the collections accounts section. 

Violation Reported : payment status is reporting as past due 120 days, with a XXXX  balance.

Violation Reported : this charged-off/collection account is reporting under the closed account section, and not under the collections section. 

This account is reporting inaccurate information, which makes this account in violation of FCRA requirements. Please see the evidence enclosed as proof of violations.

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 2021-06-02 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: UT

Complaint narrative:
The credit bureaus are reporting a debt on my credit file that needs to be removed. This debt has been past the credit reporting limit since XXXX and XXXX XXXX XXXX continues to validate this debt. This is a violation under the FCRA and this needs to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: UT

Complaint narrative:
The credit bureaus are reporting a debt on my credit file that needs to be removed. This debt has been past the credit reporting limit since XXXX and XXXX XXXX XXXX continues to validate this debt. This is a violation under the FCRA and this needs to be taken care of.

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 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
The credit bureaus are reporting a debt on my credit file that needs to be removed. This debt has been past the credit reporting limit since XXXX and XXXX  XXXX XXXX continues to validate this debt. This is a violation under the FCRA and this needs to be taken care of.

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 2021-06-02 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: TX

Complaint narrative:
Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX XXXX. Account Number XXXX Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for XXXX, Experian reports as CO, and XXXX  reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts.

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 2021-06-02 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: IN

Complaint narrative:
I have reached out several times to XXXX and the other credit agency 's regarding several inaccuracies on my credit reports. Multiple letters were sent with the inaccuracies and a copies of the credit the report. 
I called XXXX and was told they didn't have access to my credit report from 3 months prior and my credit score is computer generated??? All of this is confusing as these companies dictate how and where we live, what kind of car we drive and everything else we need to continue through our lives. The people I spoke to that represent these companies were not able to explain to me in a clear and concise way what the problems were. 

I am far from perfect and have made a lot of mistakes in my life but we are allowed to fix our mistakes. As I try to fix my history of mistakes I need my effort to reflect that. With these companies I have not experienced that reflection. For the first time in my life besides my student loan, I have less debt than I have in YEARS.!! Yet my credit score continues to plummet. I have several issues and I will send what I have on this computer but I may have to mail other documents. This has been going on for months. Any Help with this matter would be greatly appreciated. I just want to make sure these companies are being held responsible for there action as the control peoples lives. 
I can't find a home due to all the inaccuracies, as you can imagine this is very STRESSful.

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 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have openly announced to your company that there is an error on my credit report. You have constantly ignored my request to remove the item. I refuse to let your inability to look into this matter cause me to stress and struggle to get financing. Today XXXX demand you do something about it. I have contacted my lawyer and I will seek litigation if I need to. 
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 
COPY OF FTC REPORT IS LOCATED INSIDE.

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 2021-06-02 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: GA

Complaint narrative:
I have openly announced to your company that there is an error on my credit report. You have constantly ignored my request to remove the item. I refuse to let your inability to look into this matter cause me to stress and struggle to get financing. Today I demand you do something about it. I have contacted my lawyer and I will seek litigation if I need to. 
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 
COPY OF FTC REPORT IS LOCATED INSIDE.

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 2021-06-02 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: CT

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CITIBANK, N.A.
State: CT

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DSNB MACYS Account Number : XXXX This is 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 2021-06-02 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: MI

Complaint narrative:
On XX/XX/2021 XXXX XXXX XXXX agreed to settle a collection as paid and to delete the tradeline from my credit report. I disputed the incorrect information with all 3 credit bureaus and the account was updated to reflect the {$520.00} paid but did not delete the account per the letter from the collection agency. This tradeline is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: MI

Complaint narrative:
On XX/XX/2021 XXXX XXXX XXXX agreed to settle a collection as paid and to delete the tradeline from my credit report. I disputed the incorrect information with all 3 credit bureaus and the account was updated to reflect the {$520.00} paid but did not delete the account per the letter from the collection agency. This tradeline is hurting my credit score.

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