vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 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: NJ

Complaint narrative:
I had my identity stolen and they are leaving fraudulent information 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 2022-01-20 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: NY

Complaint narrative:
I have a collections account on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below is the account in question : XXXX XXXXXXXX XXXX XXXX  XXXX ORIGINAL CREDITOR : XXXX 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/2021

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 2022-01-20 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: NY

Complaint narrative:
I have a collections account on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below is the account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I wrote the credit bureau a letter about information on my credit report that is inaccurate and needs to be investigated and they did not respond to my dispute within 30 days which is a violation of the FCRA. The credit bureaus have failed to conduct a proper investigation and failed to correct or delete this inaccurate information off of my credit report. Their reporting of this inaccurate information has me in a serious financial bind and I need this addressed promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2021 ), Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document

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 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
I sold my property with a closing date of XX/XX/2022. The loan was paid in full and I had an escrow balance of roughly {$3800.00} which was verified by Caliber Home Loans, who held the original mortgage. I did not receive the escrow disbursement within the required 20 days so on XX/XX/2022 I called Caliber to inquire. I was told that it was an error with the address and yes it should have been sent and was {$3800.00} just give it a few more days. Call next week if not there. On XX/XX/2022 I still had not received and called again. This time I spoke with XXXX ( employee code XXXX ). She profusely apologized and said she could tell from the notes there was a mess up and the funds were still in escrow and she had no idea what was wrong. Told me she would expedite to a manager and I would get a call with resolution no later than Wednesday ( XX/XX/2022 ). On Thursday XX/XX/2022 I still have no call back from anyone from Caliber much less a manager. I spoke with XXXX ( sp? ) employee code : XXXX. She again told me she can see all the notes and that there is still {$3800.00} in escrow due to me and not sure why this wasn't resolved. I again asked for a manager however all I could get was a promise someone would call back, probably a manager, immediately. My escrow refund is now over 20 days past due according to RESPA  and the contract and I am having no luck getting my refund as promised processed to me. I have made XXXX contacts and still no response and would be willing to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I made an additional payment on my Capitol One credit card on XX/XX/XXXX in order to lower the overall balance. I did this before the end of the billing period ; I had already made the regular monthly payment prior to the due date. If you look at my account history, I have done made additional payments after the due date several times without incident. 

For no reason whatsoever, Capitol One did not apply this payment to the billing cycle that it was in. My current billing cycle included transactions and payments from XX/XX/XXXX to XX/XX/XXXX. Therefore, the XX/XX/XXXX payment that I made should have been reflected in this period. 

Capitol One did not post the payment until XX/XX/XXXX, even though I made the payment on XX/XX/XXXX, it posted on XX/XX/XXXX, and it was deducted from my checking account on XX/XX/XXXX. Because they did not report this payment, my overall balance is over the credit limit on my credit report. This is not fair, as I made the payment in the billing period in order to prevent this. I have reached out to them several times and tried to dispute this item on my credit report to no avail. When I disputed it with the credit agencies Capitol One then reported the current balance as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: TX

Complaint narrative:
XX/XX/2021 was the last time I communicated with XXXX XXXX. In the referred document you will see that they said I did not get approved for the loan but when I looked in the SBA data base it showed that my company currently had loan for the amount of XXXX, XXXX which we never received. I've tried to reach out to the company and all that I was able to receive was a generated message. I emailed XXXX on XXXX & XXXX of XXXX and the XXXX of XXXX of XXXX, the IRS, my local SBA and XXXX and no one was able to help 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 2022-01-20 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: TX

Complaint narrative:
XX/XX/2021 was the last time I communicated with XXXX XXXX. In the referred document you will see that they said I did not get approved for the loan but when I looked in the XXXX data base it showed that my company currently had loan for the amount of XXXX, XXXX which we never received. I've tried to reach out to the company and all that I was able to receive was a generated message. I emailed OIGHotline@sba.gov on XXXX & XXXX of 2021 and the XXXX of XXXX of XXXX, the IRS, my local XXXX and XXXX  and no one was able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2021 was the last time I communicated with XXXX XXXX. In the referred document you will see that they said I did not get approved for the loan but when I looked in the XXXX data base it showed that my company currently had loan for the amount of XXXX, XXXX which we never received. I've tried to reach out to the company and all that I was able to receive was a generated message. I emailed XXXX on XXXX & XXXX of XXXX and the XXXX of XXXX of XXXX, the XXXX, my local XXXX and XXXX  and no one was able to help 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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
I WAS A VICTIM OF IDENTITY FRAUD MY WALLET WAS STOLEN AND SEVERAL YRS LATER FRAUD ACCTS HAD APPREARED ON MY CREDIT BUREAUS AND LATES STARTED HITTING MY CREDIT AND I HAVE SINCE BEEN DISPUTING AND I WAS ABLE TO GET MOST OF THE FRAUD ACCTS OFF HOWEVER THE 2 ACCTS XXXX AND DISCOVER LISTED ON MY CREDIT IS STILL ON MY XXXX REPORT I HAVE TRIED ALL I CAN'T TO HAVE THOSE ACCTS REMOVED THEY DID REMOVE THEM FROM MY XXXX XXXX AND XXXX HOWEVER IT REMAINS ON MY XXXX AND HAS AFFECTED MY CREDIT GREATLY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: NY

Complaint narrative:
I have a collections account on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below is the account in question : XXXX XXXX OF THE XXXX ORIGINAL CREDITOR : XXXX. 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/2021

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 2022-01-20 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: NY

Complaint narrative:
I have a collections account on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below is the account in question : XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX. 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/XXXX I also have 5 inquiries I did not authorize or make : XXXX XXXX XXXXXXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
Around early XXXX of XXXX I submitted a life insurance claim to my deceased husbands life insurance company XXXX. I found out that the policy had a assignment on it from XXXX XXXX Bank in XXXX NC for a loan that originated around XXXX. Although XXXX XXXX Bank became XXXX XXXX Bank and Later First Horizon Bank they can find no record of this loan and I have courier paperwork from XXXX XXXX XXXX to First Horizon many times trying to get a release of assignment. With no communication to me the wife and beneficiary when the release of assignment will be forth coming. So I had my attorney to contact the Bank to try and get a answer on XX/XX/XXXX and he was told the bank had completed the paper work for the release of assignment to the insurance company XXXX. As of today XX/XX/XXXX XXXX still has not received the release of assignment from First Horizon bank nor has First Horizon actually said that they mailed the release of assignment to XXXX or communicated with me that they have and they still handle my late husbands business account which at this point I am rethinking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
XXXX XXXX with purchased out of state in Arizona from Kia dealer to be registered with XXXX  where I reside on XX/XX/XXXX. Kia made a mistake on original title registration with wrong middle name spelling with XXXX  DMV. I dont know if this is the fault of Kia Finance or Kia Dealer but it resides with Kia regardless. This further delay for Kia to receive updated title from Arizona. I had to call Kia Finance to trigger a state to state transfer. The request was not processed properly multiple times at which point I had to call in 11 times totaling 144 minutes. I have yet to get the title sent to Texas DMV. Texas DMV requires registration of car within 30 days of purchase or there will be fines levied on the owner for every 30 days elapsed. Currently it's been over 6 weeks or so and closing on the 2nd layer of fines assuming I get the title prior to the XXXX of XXXX. I have spoken to countless supervisors but each and every time I call, I get a different status, different excuse and different next steps of which some are not executed. The total fines levied on this transaction has now exceeded the total interest to be paid on the life of the Car Loan. Have I known how troublesome this was going to be, I would have just paid for the car in cash.

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 2022-01-20 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: AZ

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: U.S. Auto Sales Inc.
State: FL

Complaint narrative:
US Auto Finance is reporting an acct that is not mines in my credit report. It belongs to a family member with a similar name. Please correct and remove from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: NY

Complaint narrative:
I have a collections account on my credit report that I do not recognize and did notauthorize. I am a victim of identity theft. Below is the account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/XXXX I also have 25 inquiries I did not authorize or make : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, I have been a customer with formerly known as JP Morgan and currently Chase for over 20 years. Currently I have a business account, personal account, HELOC, and business line of credit with Chase, however, I am highly displeased with their fraudulent changes of late fees on an account with automatic payment as well as hidden annual fees and interest rates I was made unaware of. This business line of credit was taken out in XX/XX/2015 and have not missed one payment since then. My original loan amount was {$30000.00} and present day {$29000.00}. Despite my countless efforts to increase my minimum monthly payment to almost double of the requirement, there has been but a minimum decrease in the principal balance by about {$300.00} after 12 years of payment. I went to the branch to speak with someone about my concerns and unfortunately, the appointment was incorrectly set up by the staff with a representative that could not help me. Even though she did her best efforts to call someone that would have an idea the business line of credit products, the person that I was connected to was not yet in the office at XXXX XXXX  XXXX. The presentative stated they would follow up via email or phone call regarding the late charges on the account as soon as she would arrive to the office, yet I have not received either a phone call or email. I feel complete XXXX  against and very XXXX  at the fact that my late fees have not been addressed and more importantly, not having a solution as to how this account will continue to torment my finances since I barely found out this account has no term of maturity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a purchase at Bloomingdales and then returned the item. They lost said item and never issued me the electronic receipt ( I always try to go green ). I have disputed this with them for months and it was fun finally resolved. I have an email from them that states the following : Dear XXXX XXXX, Thank you for your recent inquiry regarding your account. 

This is to confirm the dispute regarding your account is resolved. We have updated the dispute to a resolved status with the three consumer reporting agencies listed below : However, it is still showing up on my credit report and XXXX has told me, after I disputed it, that they are still reporting it and I need to file a report here.

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 2022-01-20 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: AL

Complaint narrative:
ACCOUNT 1 : XXXX XXXX, AMOUNT : {$1400.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct but it inserted new information on an account thats almost 8 years old. 
ACCOUNT 2 : XXXX XXXX, AMOUNT : {$530.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct but it inserted new information to include the original creditor ( XXXX XXXX ). Ive never seen this noted before. 
ACCOUNT 3 : XXXX XXXX, AMOUNT : {$250.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct the factual dispute. 
ACCOUNT 4 : XXXX XXXX, AMOUNT : {$1400.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct the factual dispute. Yet, they claimed to have verified the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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