vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 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 received a copy of my credit report and found the following item ( s ) to be  errors.

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 2020-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I was alerted by the 3 credit agency that Sunrise recently placed a debt on my credit report. This debt was already settled with XXXX XXXX and also per MI law you have to have a license to collect. Sunrise does not have that.

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 2020-03-27 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I quickly pulled my report to review my credit. I found many fraudulent accounts I have never gave consent to open. Please delete these items from my accounts. 

XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$870.00} US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX XXXX {$410.00} XXXX   XXXX  XXXX {$720.00} XXXX XXXX   XXXX {$890.00} XXXX XXXX XXXXXXXX {$300.00} XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX {$150.00} XXXX XXXX  XXXX {$830.00} US DEP ED XXXX {$24000.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX  XXXX {$450.00} XXXX  XXXX {$820.00} XXXX   XXXX {$640.00}

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 2020-03-27 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I quickly pulled my report to review my credit. I found many fraudulent accounts I have never gave consent to open. Please delete these items from my accounts. 

XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$870.00} US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX XXXXXXXX {$410.00} XXXX   XXXX  XXXX {$720.00} XXXX XXXX   XXXX {$890.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX XXXX   XXXX {$1200.00} XXXX  XXXX {$150.00} XXXX XXXX  XXXX {$830.00} US DEP ED XXXX {$24000.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX  XXXX {$450.00} XXXX  XXXX {$820.00} XXXX   XXXX {$640.00}

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 2020-03-27 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: Avant Credit Corporation
State: AZ

Complaint narrative:
The end of XXXX, I called Avant to share that I was having a financial hardship. They approved a short-term payment plan for my loan at a lowered monthly payment than what I previously had with them. My payment required due date was by XX/XX/XXXX. I had previously had my payments on an ACH payment to Avant for over $ 400/month through my XXXX account. I stopped the ACH to assure that the old payment amount would not be drawn. I called and informed Avant of this and was told NO PROBLEM. Avant provided me with their mailing address and my exact account # and I immediately created an account for them on my XXXX bill pay. A check was mailed out mid XXXX and cashed/cleared from my XXXX account on XX/XX/2020. My XXXX bill pay does not pull funds until the merchant cashes the check. This happened on XX/XX/2020. However, Avant is saying that they did not receive the payment until XX/XX/XXXX. They therefore kicked me out of the short term plan, reported me to the credit bureau, and despite me sending copies of my bank statement showing their payment clearing my account on XX/XX/XXXX, refuses to reinstate me back onto the plan. I did make my second monthly payment in this plan for XXXX. The check cleared my XXXX account on XX/XX/XXXX which is two days after it was sent. I have sent 10 emails  begging for help. I have called a dozen times pleading for help. I have done NOTHING wrong and this company has now ruined my credit score. XXXX XXXX is a supervisor that I have spoken to multiple times. They claim that a " back office '' determines things and they can not help me. Today, I received a letter from Avant representative " XXXX '' that was meant for another customer named " XXXX '' and it contained his personal information. This company is reckless and in violation. Please help me. I can provide my bank statements as well as poor XXXX email that they mailed to me addressing a bi weekly plan ( FYI - they told me that this email was for me and someone typed in the wrong name ... I NEVER asked for a bi-weekly payment plan so this is another lie ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
I have been trying to be complaint with my lender for I don't know how many months now trying to get help to save my home! I even have a counselor XXXX XXXX who has tried to work with them but they keep messing up my paperwork. 

I have advised the lender that I am not self employed and they closed my most recent review about two weeks ago because they said they did not receive my pay stubs and profit and loss. Well I am not self employed and I had already sent them pay stub. 

There is a never ending cycle of document requests and no resolution to my hardship.

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 2020-03-27 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY CREDIT AND KEEPING A GOOD CREDIT HISTORY. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: VA

Complaint narrative:
Please delete this account from my credit report because they are reporting inaccurate information. The company XXXX XXXX  # : XXXX. This company XXXX is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/2019. However, they are reporting 2 separate dates, XX/XX/2019 and XX/XX/2019. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. The CRAs have an obligation to report accurate information, please stop this company from damaging my credit with this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: MA

Complaint narrative:
On XX/XX/ I received a letter from XXXX XXXX  in  XXXX FL saying my request to open a XXXX account was not approved. I had not requested this and after many attempts to connect with the bank, I was told to contact Transunion. I did and they referred me back to the bank to have this removed from my credit report.. The bank said they could do nothing and Transunion was the only one who could remove it from my report. 
As of todayXX/XX/XXXX I am in the same place. I've made a police report and hope that you can help me get this removed. 
Thank you

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 2020-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The accounts are not mine but it been more then 30days and no response

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 2020-03-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The accounts are not mine but it been more then 30days and no response

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 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
- On XX/XX/XXXX I sent a message via secure message on my home banking with Chase Bank asking how was the process to close my account. I never asked to effectively close my account, I just wanted to know how the process was because I was evaluating changing to another bank. I have all the messages in my Chase Inbox and screenshots of it just in case ( they're in XXXX ). 

- On XX/XX/XXXX I tried to access my account va online banking and there was no account and funds. I just found that a Chase 's employee answered my message saying that my account was closed and they have sent a check with my funds to my address ( they never said wich address exactly ). They also cancel all possible transactions and my debit card. 

- I contacted inmediately via secure inbox again and asked why they did this and said that it was a mistake. I asked for my money saying that I really need it and that I never asked to effectively close my account. I also sent them a screenshot where it can be read that I was just asking about the process and never gave CONSENT on closing my bank account or any Chase product. 

- On XX/XX/XXXX they answered again just saying that they were sorry for the mistake and that they sent a check for the amount on my account to my address ( again, they didn't said exactly to WICH address ). They also told me that like I live in XXXX, the check could arrive in 4 WEEKS. 

- I answered once again inmediatly said that was a mistake because on first place I never asked or gave consent on closing my account, I live in XXXX where there are no Chase branch so I won't even be able to turn the check into cash and btw, we're on quaratine due to COVID-19. I  asked repeteadly to give me a real solution, I offer them to transfer the money to another account or even to activate my account again with my money so I could transfer it to another bank account. 

- On XX/XX/XXXX they answered once again saying a check was delivered, that It will take 4 weeks to arrive, etc. They never gave me a real solution even they recognize it was THEIR MISTAKE to close my account. Now I don't have my money, I don't know where they sent a check, and IF the check arrives, I won't be able to turn it into cash because there is no Chase branch where I live and there is a cuarantine due to COVID-19. I replied once more explaining all the situation and that was all. I also tried to contact Chase via XXXX  ( you can see all my angry messages here : https : XXXX ) and their XXXX page but there was no answer at all. 

Please, I just want my money back so I can transfer it to my other bank account. I can give chase my other 's bank XXXX/XXXX but I REALLY NEED THE MONEY and can't wait 4 weeks for a check that I won't be able to use just because a Chase 's employee made a mistake. 

Thank you in advance for helping me to solve this as soon as possible. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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 recently disputed a bankruptcy that I saw on my credit report with your company. I disputed it because it is unverifiable, yet you updated the report with the statement that the account was verified.

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 2020-03-27 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: TX

Complaint narrative:
XXXX XXXX, XXXX bought mortgage from XXXX in XX/XX/XXXX, and info did not make clear my loan number already belonged to someone they already had. Payments were processed to my account correctly through XX/XX/XXXX, and then they did not show payments. They reported me as making late payments erroneously to Equifax. On XXXX XXXX XXXX showed my score with them as XXXX, on XX/XX/XXXX it lowered 4 points because I had a balance of less than {$250.00} on my {$8000.00} limit. Thought that was bad until it dropped 161 points to XXXX on XXXX because of one company 's incorrect info. 

I do not think that big a drop should be allowed based on one company, and, now that it is corrected and shows they know I have no late payments, I think it should be back in the 800s where we were before. I tried to submit a dispute with them, but it did not seem to take ... and then had someone call to survey my complaint with them. He gave me their phone number to dispute when told him my survey was negative since I did not even know it had gone through, but I found no option to dispute without going to their website, which said there was an error and to try again later. I stopped trying after several days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I was notified by the 3 credit bureaus of a collection account that was placed on my credit report by LVNV Funding. Apparently they bought this account from XXXX XXXX XXXX that was already paid for back in XXXX. Also per Michigan law you have to have a license to collect any form of debt. They do not have one at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not made any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there were unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2020-03-27 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not made any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there were unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2020-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I cashed a TD Bank check at a TD Bank branch on XX/XX/2020 in XXXX, MA. The bank charged me a fee of {$10.00} to cash their own check because I do not have a TD Bank account. I know that there is no federal law to prevent this and I know that this is a common practice among the county 's large banks. It's an outrageous gouging of consumers and a law needs to be enacted to end this practice. I hope that the CFPB will bring attention to this issue if it is not doing so already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: AR

Complaint narrative:
My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items I have never heard of. These things on my report are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please delete this account from my credit report because they are reporting inaccurate information. The company XXXX XXXX  # : XXXX. This company XXXX is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/2019. However, they are reporting 2 separate dates, XX/XX/2019 and XX/XX/2019. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. The CRAs have an obligation to report accurate information, please stop this company from damaging my credit with this incorrect 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 2020-03-27 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: VA

Complaint narrative:
Please delete this account from my credit report because they are reporting inaccurate information. The company XXXX XXXX # : XXXX. This company XXXX is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/2019. However, they are reporting 2 separate dates, XX/XX/2019 and XX/XX/2019. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. The CRAs have an obligation to report accurate information, please stop this company from damaging my credit with this incorrect 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