vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 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:
After disputing several accounts in on XX/XX/2020 with XXXX, they continue to report inaccurate information on several accounts and provide proof that these are my accounts after requesting factual disputes. I've submitted disputes online and info was updated and that was it. These accounts are reporting different amounts and dates at all three credit bureaus, so they need to be deleted off of my reports immediately. I asked that provide any original contracts signed by me, payments, and any communication sent to me from XXXX XXXX and they haven't. 

XXXX XXXX  - Acct # XXXX ( Please see attached screenshot of how it's reporting different amounts and dates on all three bureaus and the repossession letter ). Account needs to be deleted from all three bureaus as soon as possible as this is illegal and I will take legal action. 

XXXX XXXX - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX. 

XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX I know my rights from Title 15, USC 1692. I have the right to sue for violations of the US.

Any assistance will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: MA

Complaint narrative:
After disputing several accounts in on XX/XX/2020 with XXXX, they continue to report inaccurate information on several accounts and provide proof that these are my accounts after requesting factual disputes. I've submitted disputes online and info was updated and that was it. These accounts are reporting different amounts and dates at all three credit bureaus, so they need to be deleted off of my reports immediately. I asked that provide any original contracts signed by me, payments, and any communication sent to me from XXXX credit and they haven't. 

XXXX credit - Acct # XXXX ( Please see attached screenshot of how it's reporting different amounts and dates on all three bureaus and the repossession letter ). Account needs to be deleted from all three bureaus as soon as possible as this is illegal and I will take legal action. 

XXXX XXXX - Acct # XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX. 

XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX I know my rights from Title 15, USC 1692. I have the right to sue for violations of the US. 

Any assistance will be greatly appreciated.

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 2020-10-09 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: NY

Complaint narrative:
I am looking at my XXXX XXXX score on XX/XX/XXXX. There is inaccurate information on my XXXX XXXX. Transunion is showing in collections that I owe XXXX XXXX XXXX  Opened XX/XX/XXXX {$2700.00} Original creditor : 11 XXXX XXXX. This is all 100 % wrong and inaccurate. All the other credit companies have removed this from my file as I did not owe t-mobile anymore and this was a misunderstanding which was resolved by there customer service team. I just want accurate information on my credit report 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 2020-10-09 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: MI

Complaint narrative:
Experian Under the Fair Credit Reporting Act XXXX and XXXX I am requesting my Credit File. 
( 1 ) When did Experian contact the creditor ( 2 ) The information the creditor gave Experian ( 3 ) A description of the use to determine the accuracy provide you with ( 4 ) Did the creditor provide Experian with my name, XXXX, Address, XXXX for the XXXX Account ( 5 ) Did the creditor supply you Experian with the open date of the XXXX account and Delinquent dates of the account and complete credit history ( 6 )  Why did Experian retaliate against me and decrease my XXXX XXXX by XXXX points for filing an dispute. My score went up by XXXX points for less credit usage then XXXX days later after the dispute was released Experian decreased my XXXX XXXX by XXXX points when they already had decreased my XXXX XXXX 11 points when they let there client XXXX XXXX XXXX enter an Fake Account on my credit report? I already have the updated credit report from Experian.

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, I was affected by COVID and reached out to BBVA after receiving a letter they were offering assistance on XX/XX/XXXX. I spent 59 minutes on the phone with them ( call log attached ) better understanding the terms of COVID relief and confirming that my 0 % balance transfer offer was extended through XXXX. I was transferred to 4 individuals who struggled to find the information but finally, the last one confirmed that XXXX was when my interest rate would increase for both of the balance transfer offers I had. I'm sure the recorded phone call would have that detail. 
As you can see in the attached statement, I started receiving finance charges on the account on XX/XX/XXXX. I made arrangements to pay the balance as soon as I could as I saw that I had incurred the charges, making a payment on XX/XX/XXXX. When I received the next statement I saw that the entire balance was being charged interest even though I'd been told that I had 0 % until XXXX. I called on XX/XX/XXXX and explained the above and was told that they could not reverse interest charges but would open a ticket and that I would receive an answer within 5 business days. Today is XX/XX/XXXX and I have yet to receive a response. I've paid off my entire balance and have been charged even more interest. 
Had I known I would've been charged this interest, I would've made arrangements to pay off the balance, even until financial distress. I'm reaching out because I can not get a call from customer service and feel that I've been taken advantage of under the pretense that they are helping me during COVID. I have attached a copy of my statement, call log and email confirming my COVID assistance on behalf of the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have noticed that they have placed some inquiries on my XXXX  credit file on the date listed below that I never authorized and your Person is therefore in violation of federal statute : 15 U.S. Code 1681b regarding Permissible Purpose for accessing consumer credit reports. Additionally, these inquiries are reporting verified to 3B but provided no verification of my authorization. 

JPMCB CARD XX/XX/XXXX ; JPMCB CARD XX/XX/XXXX ; JPMCB HL XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In XXXX i had XXXX fraudulent checks written in the amounts {$1200.00}. This put my primary checking account with XXXX XXXX XXXX  in the negative. I filed with my bank fraud and it was ruled that the checks were fraudulent. I closed the account, the same week i closed the account, it was pay week. I had to cancel my direct deposit with my employer. I did not receive a check from work or the bank issuing the money that was in my account until the end of XXXX. I was 30 days late on my XXXX Wells Fargo mortgage payment due to this issue. They report this to the credit bureaus. I submitted all my documents on my fraud case to my mortgage company Wells Fargo stating this was the reason i was late on my payment. They told me there is nothing that can be done. Im currently up to date with all my payments. This incident was out of my control and i wanted my mortgage company to remove this 30 day late remark on my credit report.

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 2020-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had an unauthorized transaction from my PayPal account for {$80.00}. I initiated a dispute resolution with PayPal but they rejected my claim stating that the payment appears authorized. It was not. I don't know the payee and did not make the payment. I have only had the PayPal account open for a few weeks. Each transaction I have made has generated an email to me informing me of the transaction. I received no email for this transaction and only noticed when I looked onto PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On my XXXX  and Experian credit report. I never authorized 3 credit inquiries by XXXX  services in XXXX of XXXX. There should not be 3 credit inquiries by XXXX mtg services within a 5 day window. Remove all 3 of those inquires as there was never anything signed by me that proves that I signed any paperwork that states that I authorized  3 inquiries by XXXX mortgage services. I never signed anything to authorize such usage of my credit. 

Also Every account by XXXX and XXXX should be completely updated to reflect there was never a time a late payment occurred in XXXX. I request that XXXX  provide documentation of a deferment and/or forbearance which was not justified ; in that all requirements were met that deferment or forbearance was applicable in my case for the FULL YEAR OF XXXX. XXXX and XXXX needs to provide the documentation of income and every single source that states I was not eligible for those programsat that time. Make sure that they prove that all documentation is completely accurate that a forbearance and/or deferment was not applicable at that time. Lawsuits are currently pending against XXXX and XXXX for not sending proper information to all 3 bureaus.

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 2020-10-09 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: NV

Complaint narrative:
I have noticed that there are accounts on my credit report that don't belong to me. I am not a credit repair company, and I have provided my personal documents to you. Please investigate these accounts and remove them when completed. 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 2020-10-09 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 reporting agency 1 ) did not advise me of the results within the required time frame ; 2 ) provided no proof of validity ; 3 ) ignored my communication regarding fraudulent use of my credit.

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 2020-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On my Transunion and XXXX credit report. I never authorized XXXX credit inquiries by XXXX services in XXXX of XXXX. There should not be XXXX credit inquiries by eXXXX mtg services within a 5 day window. Remove all XXXX of those inquires as there was never anything signed by me that proves that I signed any paperwork that states that I authorized XXXX inquiries by XXXX mortgage services. I never signed anything to authorize such usage of my credit. 

Also Every account by XXXX and XXXX should be completely updated to reflect there was never a time a late payment occurred in XXXX. I request that XXXX  provide documentation of a deferment and/or forbearance which was not justified ; in that all requirements were met that deferment or forbearance was applicable in my case for the FULL YEAR OF XXXX. XXXX and XXXX needs to provide the documentation of income and every single source that states I was not eligible for those programsat that time. XXXX sure that they prove that all documentation is completely accurate that a forbearance and/or deferment was not applicable at that time. Lawsuits are currently pending against XXXX and XXXX for not sending proper information to all XXXX bureaus.

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 2020-10-09 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: Navient Solutions, LLC.
State: LA

Complaint narrative:
On my XXXX and XXXX credit report. I never authorized XXXX credit inquiries by XXXX  services in XXXX of XXXX. There should not be XXXX credit inquiries by XXXX XXXX XXXX within a 5 day window. Remove all XXXX of those inquires as there was never anything signed by me that proves that I signed any paperwork that states that I authorized XXXX inquiries by XXXX  mortgage services. I never signed anything to authorize such usage of my credit. 

Also Every account by Navient and XXXX should be completely updated to reflect there was never a time a late payment occurred in XXXX. I request that Navient provide documentation of a deferment and/or forbearance which was not justified ; in that all requirements were met that deferment or forbearance was applicable in my case for the FULL YEAR OF XXXX. Navient and XXXX needs to provide the documentation of income and every single source that states I was not eligible for those programsat that time. XXXX sure that they prove that all documentation is completely accurate that a forbearance and/or deferment was not applicable at that time. Lawsuits are currently pending against Navient and XXXX for not sending proper information to all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: GA

Complaint narrative:
I filed a dispute to the incorrect items on my credit report and it has been well over XXXX days without any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: NV

Complaint narrative:
I have noticed that there are accounts on my credit report that don't belong to me. I am not a credit repair company, and I have provided my personal documents to you. Please investigate these accounts and remove them when completed. 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 2020-10-09 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: NV

Complaint narrative:
I have noticed that there are accounts on my credit report that don't belong to me. I am not a credit repair company, and I have provided my personal documents to you. Please investigate these accounts and remove them when completed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent certified letters out over 45 days ago and have yet to receive any notification. As a consumer i dont feel like i am being taken serious and these people are taken advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters out certified over 45 days ago and have yet to be notified of any results. As a consumer I dont feel like these people are not taking me serious and are taking advantage of me.

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 2020-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters out certified over 45 days ago and have yet to be notified of any results. As a consumer I dont feel like these people are not taking me serious and are taking advantage of me.

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 2020-10-09 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
After careful review of my personal credit, i noticed two accounts on my credit from XXXX opened in XX/XX/2017, and Navy Federal XX/XX/2017 that i have no knowledge of. I have disputed these two items all to no avail. As a practical matter, i have filed a police report and submitted numerous affadivits In support of my claims. I would appreciate it if you would carefully investigate these fraudulent accounts and have them removed from my credit reports..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: GA

Complaint narrative:
I filed a dispute on my credit report and it has been well over XXXX days without any investigation results.

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 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have sent a debt validation letter to wells Fargo regarding a debt they are alleging that I owe. They have failed to validate the debt and only sent a letter that says proof of application an electronic print out. Nothing with my hand written signature or a billing statement with proof that I owe this alleged debt. I also advised them that the proof that they provided does not state anything about the alleged debt reporting on my credit. And to please cease all reporting and collection efforts. An credit application is insufficient and does not validate the debt in question.

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 2020-10-09 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: DE

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation