vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 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: EQUIFAX, INC.
State: CT

Complaint narrative:
This is in regards to XXXX, Equifax and XXXX Credit Bureau. I've submitted 4 disputes with these Bureaus about inaccurate data being allowed in my credit report even after disputing. I also included sections of the FCRA citing how they are required to report correct data and to delete inaccurate data. This data has been in my report for years and now XXXX, Equifax and XXXX need to comply with the FCRA. 
The accounts are : XXXX. XXXX XXXX XXXX Late payments with erroneous rating key. Stating 90 days late for XX/XX/2018 but Ok=current for the three months prior.

2. XXXX XXXX  collections accounts ( 2 ) allowing reporting of a higher balance original than the creditor amount. Having a past due balance and at times a monthly past due as a collection. 
XXXX. XXXX XXXX disguising as a new creditor and reporting an open new account. 
XXXX XXXX XXXX XXXX XXXX XXXX & # XXXX as open accounts with a past due and monthly past due as a collection. 
XXXX. XXXX reporting a balance 100 % over the original credit limit ; has a past due balance and at times reporting monthly past due. 
XXXX XXXX XXXX collection agency disguising as a new creditor with an open account. Balance higher than original creditor amount ; past due balance and at times reporting a monthly past due as a collection.

7. To delete all negative remarks- as its not a true reflection on their erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This is in regards to XXXX, XXXX and Experian Credit Bureau. I've submitted 4 disputes with these Bureaus about inaccurate data being allowed in my credit report even after disputing. I also included sections of the FCRA citing how they are required to report correct data and to delete inaccurate data. This data has been in my report for years and now XXXX, XXXX and Experian need to comply with the FCRA. 
The accounts are : XXXX. XXXX XXXX XXXX XXXX payments with erroneous rating key. Stating 90 days late for XX/XX/2018 but Ok=current for the three months prior. 
2. XXXX XXXX collections accounts ( 2 ) allowing reporting of a higher balance original than the creditor amount. Having a past due balance and at times a monthly past due as a collection. 
3. XXXX XXXX disguising as a new creditor and reporting an open new account. 
4. XXXX XXXX XXXX XXXX XXXX & # XXXX as open accounts with a past due and monthly past due as a collection. 
5. XXXX reporting a balance 100 % over the original credit limit ; has a past due balance and at times reporting monthly past due. 
XXXX XXXX XXXX XXXX XXXX disguising as a new creditor with an open account. Balance higher than original creditor amount ; past due balance and at times reporting a monthly past due as a collection.

7. To delete all negative remarks- as its not a true reflection on their erroneous reporting.

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 2021-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 a scammer told me in order to find my lost item that was shipped I needed to download an app on my phone then open my XXXX and just confirm amount of money in my account I was assured that no transaction would take place but my money was then stolen. Bank of America states that they are not responsible for this transaction because it was an authorized XXXX transaction however it was not authorized and it was a trick

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Received an email from XXXX XXXX about an account that was recently opened at XXXX XXXX  Store asking to verify if I did this. I checked my credit report and found a fraud account opened. I disputed it with XXXX and called XXXX XXXX to report the fraud. XXXX XXXX advised they maxed out the credit card to {$1500.00}. XXXX XXXX shut the credit card and account down and reported it as fraud. The also advised the credit card was done in the store and they have stolen my social security number and name. XXXX the lady I spoke to told me to go to identitytheft.gov and place a report there also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have recently received a copy of my report from XXXX XXXX and XXXX XXXX. I wrote Bank of America a letter at XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX, explaining this incorrect information. I request for BOFA to dispute the following incorrect information showing on my report file. On The report copy I circled the items I dispute on the attached copy of my report I received from XXXX XXXX and XXXX XXXX. 

Bank Of America Account # XXXX and Bank Of America Account # XXXX stated it was closed down due to fraudulent activity. 

I have recently disputed this with XXXX XXXX and XXXX XXXX, this is inaccurate information reporting on my report! Im a victim of identity theft, I am requesting that these items be removed to correct this report information. 

Enclosed are copies of my Police Report, Federal Trade Commission on Identity Theft Report FTC Report Number XXXX, a copy of my current Identification Drivers license and other supporting documents. 

Please reinvestigate this matter by deleting and correcting the disputed items that are showing on my report as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX https : 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
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I originally called at the beginning of XXXX to do a settlement plan of {$720.00}, scheduled the XXXX, XXXX, and the XXXX. The first initial call the person on the phone said the first payment went through, but the other two weren't pending yet. She said to call back in a few days to verify everything was ok. I called back and they said it should still go through in a couple of days. Eventually it hit the XXXX of XXXX and neither the second or third payments went through. I called XX/XX/XXXX to inquire, but they said the card was in the process of being charged off so they couldn't touch it. I called again XX/XX/XXXX and the agent said both the second and third payments were cancelled. She said since it wasn't on Capital One 's end they couldn't do anything about it, so the card has to be charged off. I never cancelled the payments but I feel like it was negligence on the first agent/ they were the ones who failed to schedule them correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2021 a final payment for {$8600.00} was sent to the Santander Consumer USA, to date the account has not been reported as paid in full. I have repeatedly asked for the title to date no title. I have made several disputes on my credit report and the account to date remains open. This account was paid in full on XX/XX/2021 it is now XX/XX/2021 and there is no update on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
They inappropriately put a remark on my credit score during the pandemic. I tried to call and spoke to multiple people and a supervisor and they offered no resolution. They would not even put an inquiry to check to see if there was anything that could be done ( regarding the credit remark ). The supervisor blamed it on the government and said everything was black and white. They are not being held responsible for their actions and reports. Someone needs to know about this. The employees over the phone were very rude as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Currently on myequifax website I can can not submit any disputes. My credit report does not show up on the site but it gives me a credit score. attached is a dispute letter to the accounts that I will like to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this PDQ SERVICES ( Original Creditor : XXXX XXXX  XXXX AKA P ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 non-monetary relief
Consumer complaint received 2021-11-09 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: AR

Complaint narrative:
There is an inaccurate account that is reporting to my XXXX and Equifax credit report. I sent a letter via standard shipping on XX/XX/2021, and I have yet to receive any explanation of this unknown account. This agency is in violation of the U.S. Fair Credit Reporting Act by failing to respond within 30 days. I am asking for proof of this debt or remove this account from my report. I also tried to submit a dispute for XXXX online and received an error message being that this dispute is in process. This dispute should be over. Remove the following account Account : XXXX  XXXX XXXX Amount : {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I filed a complaint about Wells Fargo. We have repeatedly sent all required documents documents for help during the pandemic which they say they never received. I was assigned a person who absolutely had no idea what she was doing. She never returned phone calls, she was never available. I filed another report through here reporting that person. And surprise my case was assigned to the same person who I complained about and continued to do absolutely NOTHING. I then filed a complaint through the office of the president I spoke to a woman XXXX. She assured me she would get to the the bottom of it. My case was then assigned to a women who NEVER gave me an extension to even get in touch with her. Today she called me to inform a letter was going out to me with them very good information " good, good good " information. Meanwhile no number to call her back. So I redialed my caller id and it's just a basic Wells Fargo number. She then called me again apparently it's protocol to call two times again leaving ABSOLUTELY no call back number. I get home from my husband having XXXX  XXXX to a XXXX XXXX package in my door telling the date has been extended to research all the issues. While all this was going on someone within Wells Fargo took it upon themselves to open a fake checking account in mine and my husband 's name. So I now had to contact fraud and file a police report. It's amazing how we were fraudulently sold a product to help with payments when my husband missed work. Fraudulently had bank accounts opened in our name. Filed complaint and the contacts never gave call back extensions. And this government agency which is just as much as. A joke continued to extend their time to " research '' everything. This agency is shameful, Wells Fargo is shameful and the person who " researched this '' yet could never give me an extension to get in touch with her is shameful, XXXX who works in the office if the president who promised to be in continued contact with me is shameful because she never called me once. The for letters of " research extensions " along with this last XXXX XXXX one is shameful it just gives everyone more time to figure out this lies. I can't wait to receive this letter of " good good lots of good information '' on there. Shame on you wells Fargo. Shame on this reporting agency. How about if you work for the office of the president and you say you will call someone back you do that. Or how if you are assigned a case you leave an extension so I can contact you. What a joke. I can't wait to take this story to my local news.

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: PA

Complaint narrative:
Both my husband and I received credit cards we didnt apply for from a company called Chime. Because its an internet based company I am forced to communicate only my email. After repeatedly asking if someone applied for the cards I was instructed to file an identity theft report and send a copy of my drivers license to get the information about the account. The information I received still does not explain whether the applicant used my social security number or any personal information, nor do I know if they did an inquiry on my credit bureau. Having to communicate by email means I have to wait 3 days between each if my inquiries and their responses. This company is clearly not using due diligence in the granting of credit, nor are they being responsive to fraud claims when it takes weeks to get basic information. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  has been reporting innacurate information to XXXX transunion and XXXX. The account being reported is innacurate and unfair it is damaging my consumer rights which are federally protected and has hindered me from the pursuit of happiness and has hindered me from being approved for credit. The attached ftc report show in detail some of the damages that have been done. I require that this account be removed from all three Consumer reporting agencies and i be compensated XXXX for consumer violations

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 2021-11-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Commisioner of XXXX XXXX has been reporting innacurate information to XXXX XXXX  and experian. The account being reported is innacurate and unfair it is damaging my consumer rights which are federally protected and has hindered me from the pursuit of happiness and has hindered me from being approved for credit. The attached ftc report show in detail some of the damages that have been done. I require that this account be removed from all three Consumer reporting agencies and i be compensated XXXX for consumer violations

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 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Account has been overdrafted due to forgery. Someone wrote two checks in my name, most likely forging it. Trying to have this solved with the bank as we speak. My account still looks as if overdrafted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDENCE RESOURCE MANA ( T-MOBILE ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief