vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
my bankruptcy was discharged in XXXX i think i still have inquiries on my report previous that is affecting my ability to open 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 explanation
Consumer complaint received 2020-11-12 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: MN

Complaint narrative:
on XX/XX/XXXX i sent documents to experian pertaining to fraud. experian recieved my documents a nd i verified by phone. 30 days later after the investigation they dont have records anymore my documents. collection agency responded back stating that account was verified. i would like to have these accounts removed as quickly as possible. as they are hendering 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 non-monetary relief
Consumer complaint received 2020-11-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  , IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX  XXXX XXXX {$3800.00} XXXX & XXXX XXXX XXXX XXXX {$830.00} XXXX & XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX XXXX XXXX {$310000.00}. 

Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX  XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX & XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX & XXXX XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX XXXX XXXX {$310000.00}. 

Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: AL

Complaint narrative:
I recently sent letters over 60 days ago to this bureaus and they are disregarding a regular consumer disputes. I am very stressed and have been sending letters before this and still haven't gotten a 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 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: NY

Complaint narrative:
First National Collection Bureau , Inc Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX, XXXX Debt Description : XXXXXXXX Original Account # XXXX Ref # XXXX Total Due : {$27000.00} XX/XX/XXXXThis debt has been disputed for 15+ years complete validations of this alleged debt or any kind of proof bearing my signature, copys of original account statements has been requested by me from XXXX XXXX XX/XX/XXXXXXXX , XXXX XXXX XXXX , XXXX XXXX XXXX ect.ect.ect . by certified mail ( have all the proof ) Check all your files it is all in there, sofar all mine complaint, disputes and request for complete validations have been ignored, also all mine complaints with XX/XX/XXXX, CFPB and FTC. 
Why is First Natinal Collection Bureau , Inc knowing all of this with no proof of any kind trying to collect in behalf of XXXX XXXX XXXX with no proof of any kind ever provided and so did none of the others. 
Your all in violation of the fair debt collection act. The fair credit reporting act.and defamation of charather. 
I demand a immediate respond to my complaint Knowing all of this i will also consult my legal counsil for suit. 
I will also file another complaint with the FTC, XX/XX/XXXX and the Attorney Genral 's office. 
A COMPLETE AND FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: DC

Complaint narrative:
On XX/XX/2020, I contacted XXXX XXXX regarding incorrect loan information ( loan status and outstanding balance ) reported to the credit bureaus. I am in a COVID Hardship Forbearance under the Cares Act. I was initially delinquent on my loan but was able to make a payment and became current in XX/XX/2020. Despite the rules regarding credit reporting under the Cares Act ( which they post ) XXXX reported no information for 6 months but in XX/XX/2020 my credit report showed my loan as " Delinquent in Forbearance. '' Additionally, XXXX reported the outstanding balance on my loan as {$450000.00} ( original loan amount is @ {$430000.00} ), despite the fact that my XX/XX/2020 statement reflects I owe @ {$430000.00}. When I asked about the incorrect status, the rep initially denied reporting misinformation to the credit bureaus but then justified it by saying " well you owe - once you are current we will fix it. '' In regards to the incorrect balance, the rep initially said the increased amounts were the missed payments. Once I refuted that as illogical - if you miss a payment the amount owed on the loan does not decrease or increase - she put me on hold. When she returned she said it was " unpaid interest on the missed payments. '' When I rebutted stating interest was already calculated into the missed payments she said, " well once you are current your credit report will reflect the correct amount. '' At no time did the rep offer to review or correct the information - she basically said if you want it fixed get current. This conduct appears to be a blatant effort to illegally penalize consumers for being in a forbearance under the Cares Act. The suggestion that they would only correct the errors if I became current is coercive in nature and borders on extortion. This intentional misreporting also tanked my credit score, which will likely impact the terms of repayment once the forbearance ends. I am concerned this is intentional since the change in reporting happened right before the forbearance ends. I have documents to support the above and XXXX records their calls - so the rep 's statements can be confirmed.

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 2020-11-12 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: DC

Complaint narrative:
On XX/XX/2020, I contacted XXXX Loans regarding incorrect loan information ( loan status and outstanding balance ) reported to the credit bureaus. I am in a COVID Hardship Forbearance under the Cares Act. I was initially delinquent on my loan but was able to make a payment and became current in XX/XX/2020. Despite the rules regarding credit reporting under the Cares Act ( which they post ) XXXX reported no information for 6 months but in XX/XX/2020 my credit report showed my loan as " Delinquent in Forbearance. '' Additionally, XXXX reported the outstanding balance on my loan as {$450000.00} ( original loan amount is @ {$430000.00} ), despite the fact that my XX/XX/2020 statement reflects I owe @ {$430000.00}. When I asked about the incorrect status, the rep initially denied reporting misinformation to the credit bureaus but then justified it by saying " well you owe - once you are current we will fix it. '' In regards to the incorrect balance, the rep initially said the increased amounts were the missed payments. Once I refuted that as illogical - if you miss a payment the amount owed on the loan does not decrease or increase - she put me on hold. When she returned she said it was " unpaid interest on the missed payments. '' When I rebutted stating interest was already calculated into the missed payments she said, " well once you are current your credit report will reflect the correct amount. '' At no time did the rep offer to review or correct the information - she basically said if you want it fixed get current. This conduct appears to be a blatant effort to illegally penalize consumers for being in a forbearance under the Cares Act. The suggestion that they would only correct the errors if I became current is coercive in nature and borders on extortion. This intentional misreporting also tanked my credit score, which will likely impact the terms of repayment once the forbearance ends. I am concerned this is intentional since the change in reporting happened right before the forbearance ends. I have documents to support the above and XXXX records their calls - so the rep 's statements can be confirmed.

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 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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 — Problem with personal statement of dispute
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
After bankruptcy was filed what was the agreement between me and Mortgage Company I went into a repayment program I paid a lump sum of money and I was making monthly payments eventually I paid the house off they knew it was wrong for them to go into this payment plan with me and accept money but they used a rule that I did not know about I'm not a bankruptcy attorney they knew the acceptance of any money for any bankruptcy was against the law they knew that any money given to them should have been turned over to the Trustee since their answer includes a quote of the manner of law in which bankruptcy accounts are applied then return the XXXX plus that was sent in payments and reinstatement fees they got close to XXXX for a XXXX balance no matter what Ocwen quote they committed fraud they took money that they knew to be turned over to the Trustee to the bankruptcy court they failed to report that any payments was being made they hid this fact if they not intentionally want to hide facts then why wasn't it reported why they didn't send back the payments and inform me to give them to the bankruptcy why didn't they make this fact clear to me as they are in their answer to my complaint to you ... because This Mortgage company has a history of their fraudulent and deceitful ways to many customers their answer to you is a simple script from a real estate book but the facts remain they took the money regardless if i applied bankruptcy they knew the laws it is their hob to know they never said sorry send your payments to the courts they took them and since over XXXX XXXX  was paid to pay off the loan I want my XXXX XXXX plus back. This Mortgage company defrauded me ( period ) ref to complaint numbers XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have not wavered about my complaint over the years. If CFPB are here to assistance when consumers are taken advantage of by companies are not complying why am I still seeking the case?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
1. My mortgage is current, as of XX/XX/2019, but the monthly statement still shows that I am one payment behind.

2. Mortgage Amount always is paid on time, but is placed in 'Suspense ' each month.

3. Administrative fees of {$37.00} is charged each month.

4. Can't work to get it resolved as they do not return calls nor do I have a specific department or person assigned to my account.

5. Original records transferred by JP Morgan Chase to former XXXX XXXX XXXX, now XXXX XXXX XXXX ( same company, different name ), contained errors such as the following ... 

5a ) Incorrect property tax owed when it was paid in full, on time.

( Proof was submitted ) 5b ) Incorrect property insurance amount owed when it was fully paid and on time.

( Proof was submitted ) 5c ) Forced Escrow - however the Property Tax was taken out after my first complaint. 
XXXX prepaid the home insurance ; it is now included in the payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I attempted to make a transfer from my Chime account into my XXXX account in the amount of XXXX on XX/XX/2020. About a week later the transfer came back to Chime unpaid. XXXX said it was returned because they do not accept transfers from outside banks. Chime put my account on hold and asked for a copy of my ID, a recent XXXX statement and if possible a letter from XXXX explaining why the transfer was returned. I sent the all documentation several times but never heard anything back. I reached out to the via phone, and was told that my attachment on the email could not be opened. I resent them everything while I was still on the phone and was told my account would be reopened the next day when someone from their support team verified everything. My account was instead closed immediately and I was told I would not be receiving the money that was in the account back. There was about XXXX in the account. I have emailed them countless times. I have called countless times with the same answer everytime. That they can not talk to me about the closure of my account. I was doing nothing illegal I has just recieved my first unemployment payment on XX/XX/XXXX it was about {$6000.00} the other money in the account was from my income tax return. Money that ironically I had transfered from my XXXX account. I want my mobey back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: FL

Complaint narrative:
I HAVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2020-11-12 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 HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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:
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX  XXXX XXXX {$10000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from 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 2020-11-12 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXX this is the original complaint I filed with you guys in regards to this company after you close the case they reverse the charges and charge me back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Original Creditor ( s ) : XXXX  ; DEBT : {$270.00} XXXX XXXX XXXX  ; DEBT {$320.00} Item 1 : XXXX XXXX XXXX ; XXXX XXXX XXXX  ; Debt : {$320.00} ( The previous Debt Collector : XXXX XXXX XXXX XXXX  ; Debt : {$320.00} ; and Original Creditor XXXX XXXX XXXX ; ) I spoked with these parties about the opened fraudulently account. They stated the account was a business account under my identity but there is no copy on file of LLC, DBA, INC, or Corporation and no business name on file. I have no business registered in the state of Florida what so ever. In which is why Debt Collector ( XXXX XXXX XXXX XXXX  ) Removed the account from collection ON XX/XX/XXXX. 

Item 2 : XXXX XXXX ; XXXX ; Debt : {$270.00} ( Previous Debt Collector : XXXX XXXX XXXX ; Account Number : XXXX ; REMOVED ON XX/XX/XXXX ) THIS DEBT IS NOT UNDER MY NAME ONLY MY SOCIAL SECURITY. 

The items I have identified above are inaccurate and opened fraudulently due to identity theft. XXXX XXXX XXXX XXXX XXXX. These accounts were closed repeatedly last year and earlier this year due to fraudulence. Yet, they continue to harass me with multiple debt collectors whom are not authorized by law collect nor request these fraudulent accounts through any of the credit bureaus ( XXXX, Experian, & XXXX  ). 

Laws to abide by : 1. 1022.123 Appropriate proof of identity 2. PART 602FAIR AND ACCURATE CREDIT TRANSACTIONS ACT OF 2003 3. PART 681 IDENTITY THEFT RULES

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 2020-11-12 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: CBC Companies, Inc.
State: GA

Complaint narrative:
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX  XXXX XXXX {$10000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report.

Company response to consumer: Closed with explanation