vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-31 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: VA

Complaint narrative:
I opened an account with XXXX XXXX in or around XX/XX/XXXX. The account was set up with automatic payment installments through XXXX XXXX. In XX/XX/XXXX, I approved a payment deduction from my bank ( XXXX  XXXX XXXX ). The bank flagged the amount and business as fraudulent payment. After verifying the funds were confirmed paid. However, XXXX XXXX reported my account as late on my credit report. 

I disputed this information through Credit Bureaus, it was temporary removed from my records but recently reappeared. Further noticing a negative change in my credit report making my scores lower and greatly impacted my ability to qualify for credit. 

This item has been disputed through CFPB in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: VA

Complaint narrative:
I opened an account with XXXX XXXX in or around XX/XX/XXXX. The account was set up with automatic payment installments through XXXX XXXX. In XX/XX/XXXX, I approved a payment deduction from my bank ( XXXX XXXX XXXX ). The bank flagged the amount and business as fraudulent payment. After verifying the funds were confirmed paid. However, XXXX XXXX reported my account as late on my credit report. I disputed this information through Credit Bureaus, it was temporary removed from my records but recently reappeared. Further noticing a negative change in my credit report making my scores lower and greatly impacted my ability to qualify for credit. This item has been disputed through CFPB in the past.

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 2021-07-31 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX continues to incorrectly report history on credit reports. This time, XXXX is reporting mortgage payment late for the month of XX/XX/2020. The bill was paid through online bill-pay. The payment was made on XX/XX/2020, via electronic check. 

Upon checking my credit report, I was informed that due to late payments reported by XXXX my ability to qualify for credit was being impacted. The negative information is being reported on all credit 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 2021-07-31 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX continues to incorrectly report history on credit reports. This time, XXXX is reporting mortgage payment late for the month of XX/XX/2020. The bill was paid through online bill-pay. The payment was made on XX/XX/2020, via electronic check. 

Upon checking my credit report, I was informed that due to late payments reported by XXXX my ability to qualify for credit was being impacted. The negative information is being reported on all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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:
I just received a notification on my Equifax account saying my dispute was settled and the results are available on line. ( See Equifax notification ). Yet this is another lie Equifax is telling because these results are not available on line to me. ( See result disputes 1,2and 3 ) They ( Equifax send me a notification saying the results of my dispute are ready and available to me on line when they know they have no intention of letting see the results on line. They know that I will file another complaint against them if they can not provide credible evidence to rule against me in the dispute. Look for yourself. I have already filed a complaint with the Georgia Attorney General office against Equifax since the CFPB refuse to do anything. Equifax is lying my results are not available to me on line nor to they have any intention of making those results available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: Capio Partners, LLC
State: VA

Complaint narrative:
XXXX XXXX continues to bill me for services not rendered to me. A recent negative change in my credit report made my scores dropped and greatly impacted my ability to qualify for credit. 

If any XXXX XXXX were ever rendered, my health insurance would have covered and an EOB should have been issued based on the insurance contract agreement. 

That being said, Capio, the collection agency has trespassed and incorrectly reported my account. This account is NOT mine and it is showing up as an active collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31 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: VA

Complaint narrative:
XXXX XXXX continues to bill me for services not rendered to me. A recent negative change in my credit report made my scores dropped and greatly impacted my ability to qualify for credit. 

If any XXXX XXXX were ever rendered, my health insurance would have covered and an EOB should have been issued based on the insurance contract agreement. 

That being said, XXXX, the collection agency has trespassed and incorrectly reported my account. This account is NOT mine and it is showing up as an active collection account.

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 2021-07-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
XX/XX/XXXX i leased a XXXX XXXX XXXX XXXX from jd byryder of XXXX XXXX i put a XXXX dollar down payment at this point i had no clue about financing the sales man XXXX XXXX was realy quick witted about the process and got me to sighn a lease of 45 months at a 26 % interest rate mind you blue book is less than XXXX XXXX part of the contract was insurance coverage for 3 months until i got my registration well i was one day late and the come to my home and put a letter in my windshield wiper about my payment so i paid the payment but i diddnt know they dropped my coverage and had my car up for repo due to no insurance even tho i just paid the paymemt they got the car back and 4 years later they have destroyed my credit a XXXX XXXX dollar car at the end of sighning turned out to be XXXX dollars XXXX was financed at a 26 % rate and is still on my credit they scammed me into that car i diddnt even get a choice on other vehicles it was that or nothin i should have chose nothing because thats what i have today is a XXXX dollar debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( XXXX, XXXX, and XXXX  ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX  credit reports, the account needs to be deleted from the XXXX  and XXXX  credit reports immediately. 
The information for this account listed on my credit report is : CREDITOR : JPMCB AUTO ( XXXX  ) and JPMCB AUTO-FINANCE ( XXXX  ) XXXX, BALANCE {$0.00}, OPENED XX/XX/2012, ACCOUNT XXXX ( XXXX ) / ACCOUNT XXXX ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( XXXX, Equifax, and XXXX ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the XXXX, Equifax, and XXXX  credit reports, the account needs to be deleted from the XXXX  and XXXX  credit reports immediately. 
The information for this account listed on my credit report is : CREDITOR : XXXX XXXX ( XXXX  ) and XXXX XXXX-FINANCE ( Equifax ) XXXX, BALANCE {$0.00}, OPENED XX/XX/2012, ACCOUNT XXXX ( XXXX  ) / ACCOUNT XXXX ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( Experian, XXXX, and XXXX ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX  credit reports, the account needs to be deleted from the Experian and XXXX  credit reports immediately. 
The information for this account listed on my credit report is : CREDITOR : XXXX XXXX ( Experian ) and XXXX XXXX-FINANCE ( XXXX ) DELAWARE, BALANCE {$0.00}, OPENED XX/XX/2012, ACCOUNT XXXX ( Experian ) / ACCOUNT 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
Consumer complaint received 2021-07-31 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: LEXISNEXIS
State: MI

Complaint narrative:
I sent lexis nexis a dispute letter in XXXX and according to USPS they received it XX/XX/2021. 30 days have elapsed and still no reponse!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: CITIBANK, N.A.
State: NH

Complaint narrative:
This is in reference to dispute XXXX. On XX/XX/XXXX I purchased XXXX XXXX thermostats from homedepot.com for a total of {$5900.00}. I immediately sent these back due to damage. On XX/XX/XXXX I received a refund of {$5900.00} for this purchase and the merchant notified me via email they had received the returned products. On XX/XX/XXXX a charge of {$5900.00} posted to my card as home depot reversed the refund that was issued XX/XX/XXXX. The activity on the card showing the initial purchase, refund, and refund reversal is included in this document for reference. Also included in this document are the return receipts for the XXXX Thermostats. I can clearly prove the items were returned. However, my account does not currently reflect that I have received credits for the returned items as the credits originally given by the merchant were reversed. I do not have any items from Home Depot and I am owed a refund for the returned items. Please reopen this dispute given this information. 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 2021-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Debit was part of the lawsuit which was settled. I notified the collection agency of my attorneys names, but instead they demanded I provide court records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: PR

Complaint narrative:
Collections company does not provide information of this account and put it on my credit i have never had a bad account and I dont know whats this about, collection company not provided anything to support the fraud they are making. They dont answer the letters send to the trabking num XXXX Company can not even provied a licence to collect in my state and refused to erased this from my credit report which they cant even prove it is mine.collection company has never contact me they went direct to a credit beauro to damage my perfect file of many years. 
How can XXXX  continue to say this is mine if they dont have proof to support this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
An agent ( debt collector ) for American Express took money f {$580.00} XXXX from my checking account after I called him and canceled an a tentative agreement we had made. We agreed that I will call him on XX/XX/XXXX before XXXX XXXX  to accept the terms of of an agreement. On said date I called and canceled the agreement because the funds I was expecting did not arrive. The agent refused to cancel the agreement and went ahead and deposited the purported agreed upon amount which caused an overdraft in my account and resulted in an overdraft fee of {$35.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
Ive been having problems with XXXX XXXX since my first purchase. I use a specific credit card for my payments just so there will be no issue. But when they try to take the money they say its declining and not allowing them the payment. This happened last month in XXXX, but I called with the same credit card and the payment went through. Next month same problem, but this time they reported me 30 days late to the credit bureaus. They have been doing this to me since I opened the account with no resolution. My credit is being damage because their system is not working. When they took my payment last month they said it was XXXX payment. Now ima 6 days late on XXXX and now they are saying Im 35 days late. I paid in XXXX the representative that took my payment said thats what I owed for that month and now Im being reported late I really dont understand whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Reported me 30 days late within the same month the bill was due and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Attn : Dispute Dept.

To whom it may concern, Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

Account # XXXX please provide all paperwork or proof. If not, delete account from the credit bureaus. 

My goal is to correct the record on file. 

XXXX XXXX

Company response to consumer: Closed with explanation