vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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: MO

Complaint narrative:
I am name is XXXX XXXX and as I reviewed my recent report, I have found a lot of multiple erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the multiple items stated below. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX XXXX  Reference # : XXXX Balance : {$0.00}

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 2022-02-23 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX  Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
DEPT OF EDXXXX XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XXXX XXXX, XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XXXX XXXX, XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX AL ) XXXX : {$610.00} - Date Opened : XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$890.00} - Date Opened : XX/XX/XXXX 2019

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 2022-02-23 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The -- - Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second issue with this bank, the first one was for fraud that occurred and now I made payment for a loan that I had with them which should have been paid on a monthly payment of {$43.00} but since I had the fraud that occurred in XX/XX/2021 while I was out of the country for two months and I was not able to make payments and not able to use another account to make payment which regions say that I am not able to make an online payment for the loan, I had to go to a local branch, so tell me how am I going to go to a local branch when I am in the XXXX XXXX? 
however, when I got back to the country I contacted the branch manager at the local XXXX office to let her know what happened to me but instead, I was getting the third degree from her like I was at fault and she was being rude and I even sent her an email letting her know that I paid the entire amount of the loan because I just didn't want to deal with this bank anymore. As a professional she didn't even have the decency to email me back WOW, such a professional XXXX XXXX, not to even respond to an email. 
They closed my account and they never refunded the XXXX dollars that I open the loan with, now who's a crook Regions, I have proof and I have attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: FL

Complaint narrative:
This is my second issue with this bank, the first one was for fraud that occurred and now I made payment for a loan that I had with them which should have been paid on a monthly payment of {$43.00} but since I had the fraud that occurred in XX/XX/2021 while I was out of the country for two months and I was not able to make payments and not able to use another account to make payment which regions say that I am not able to make an online payment for the loan, I had to go to a local branch, so tell me how am I going to go to a local branch when I am in the XXXX XXXX? 
however, when I got back to the country I contacted the branch manager at the local XXXX office to let her know what happened to me but instead, I was getting the third degree from her like I was at fault and she was being rude and I even sent her an email letting her know that I paid the entire amount of the loan because I just didn't want to deal with this bank anymore. As a professional she didn't even have the decency to email me back WOW, such a professional XXXX XXXX, not to even respond to an email. 
They closed my account and they never refunded the XXXX dollars that I open the loan with, now who's a crook Regions, I have proof and I have attached

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 2022-02-23 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX/XXXX  XXXX  XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  -Inquired on XX/XX/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 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/2021 Discover Card closed my account after reducing my credit limit and me paying in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc
State: TX

Complaint narrative:
Inaccurate information in the background check provided from my previous employer, XXXX XXXX XXXX XXXX about my employment and certification, which cost me a job. I was employed there from XX/XX/XXXX to XX/XX/XXXX as a XXXX  XXXX  XXXX  from XXXX, however they information indicates employment dates XX/XX/XXXX to XX/XX/XXXX as a tax associate. In addition, I didnt receive any information on my background check for another employer, XXXX & XXXX XXXX where I worked with from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA

Complaint narrative:
I received a phone call and they left a voicemail, I do not know what this is in regards to, as they never stated who the call was for. I looked up the phone number and realized that this is from a collections agency. I never received any written information via mail nor did the caller disclose in the voicemail that the call was an attempt to collect the debt, please resolve this matter. I have attached the transcript of the voicemail for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Rent Recovery Solutions
State: AL

Complaint narrative:
This account is fraudulent. The balance owed is inaccurate. The entity this balance is owed to is inaccurate. The last active date is inaccurate. This account is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I noticed these accounts reflecting on my credit causing my score to decrease drastically. XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX. These accounts have been disputed and the credit bureaus have not provided me with any documentation to validate these 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 non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Uplift, Inc
State: TX

Complaint narrative:
XX/XX/2022 Applied for installment loan in the amount of XXXX. Company denied stating unable to verify information adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion was mailed a letter demanding investigation into two accounts listed on my credit report on or about XX/XX/2021. One is reflected as XXXX and the other is XXXX XXXX XXXX XXXXXXXX. I alleged that neither account is accurate as a valid account for which money is owed. There is no contract that would result in a debt owed for either institution. Investigation was demanded and removal if no verification, in the form of a signed agreement, could be obtained to verify the debt. It is my understanding from review of the results that this investigation did not occur. XXXX appears to have been not investigated at all and left on the report. This debt does not exist and never has existed and if not verified using acceptable means should have been removed. XXXX XXXX XXXX XXXX  was listed as " verified '' despite knowledge that there is no signed agreement giving rise to a debt. As such, it was not verified using acceptable means. If the agency is not going to investigate it properly it should be deleted. Transunion did not conduct a proper investigation.

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 2022-02-23 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: PA

Complaint narrative:
I received an alert from Transunion and XXXX credit bureaus that an account was potentially delinquent and when I went to research the alert it was for XXXX XXXX an account from a lender I know nothing about, never applied for, never heard of, and there was also an address on my report I was unaware of. After speaking with the credit bureau the address is associated with that account. My credit payment history is exceptional for several years and I deal with really bad XXXX  this has shot my XXXX  to the roof literally freaking out as Ive worked really hard to keep good credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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 received an alert from XXXX and XXXX credit bureaus that an account was potentially delinquent and when I went to research the alert it was for XXXX XXXX an account from a lender I know nothing about, never applied for, never heard of, and there was also an address on my report I was unaware of. After speaking with the credit bureau the address is associated with that account. My credit payment history is exceptional for several years and I deal with really bad XXXX  this has shot my XXXX  to the roof literally freaking out as Ive worked really hard to keep good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: PA

Complaint narrative:
I received an alert from XXXX and Experian credit bureaus that an account was potentially delinquent and when I went to research the alert it was for XXXX XXXX an account from a lender I know nothing about, never applied for, never heard of, and there was also an address on my report I was unaware of. After speaking with the credit bureau the address is associated with that account. My credit payment history is exceptional for several years and I deal with really bad XXXX  this has shot my XXXX  to the roof literally freaking out as Ive worked really hard to keep good 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 2022-02-23 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX charged me {$74.00} in XXXX and XXXX and I do not recognize these charges. I have been back and forth with Chase over this and they continually investigate the wrong transactions despite numerous requests to get it right. I've attached my XX/XX/XXXX statement showing the XXXX charge, Chase has the XXXX charge under review. I finally had a phone call today at XXXX at XXXX XXXX PST with their fraud department in which their department told me that it's my responsibility to get information proving that XXXX defrauded me, from, XXXX themselves. As ridiculous as that sounds, because it is absolutely the credit card 's responsibility to prove that I have an account, not my job to prove that XXXX ripped me off, I actually tried it, as you can see in the attached correspondence with XXXX I begged them to show me proof I had signed up or used their service and they would or could not. 

I eventually signed up for an account in XXXX so I could cancel it once I saw the charge in XXXX. 

For what it's worth their cancellation process is ridiculous and takes 6 screens of them offering you more and more discounts before you can finally leave. Additionally, all of their e-mail, which started coming only in XXXX, goes to spam no matter what I do, kind of interesting that XXXX sees them as not a real company either. 

At this time my working theory on what happened is that I signed up for a service somewhere, perhaps with XXXX or XXXX, that had a XXXX trial offer bundled into it that I didn't see, which should be illegal in and of itself, that once it was over started billing me right at XXXX making the chance for me to notice it go down dramatically and then XXXX never once informed me that I had an account with them, not even a promotion, nothing. so that when I finally saw it and went to their website to cancel I literally didn't have an account. Imagine having a XXXX subscription but no login information for XXXX, that is what happened with XXXX for 2 years. That's clearly ridiculous and evident that I did not have a relationship with them. 

At this point I'm more upset that Chase, a company I do a lot of business with, is mishandling this case so poorly in many simple ways and is making no effort to correct it than I am about XXXX and their shady business practices. I'm upset that Chase is trying to push the onus for fraud protection back onto the consumer in direct violation of consumer credit protection laws, and I hope that CFPB holds them to account or I will be forced to demand arbitration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
On XX/XX/22 I sent NewRez, XXXX XXXX XXXX, XXXX, TX XXXX, my mortgage payment plus {$50.00} of additional principal using my federal credit union 's online billpay service. On XX/XX/22 the XXXX indicated the check had cleared my account. On XX/XX/22, NewRez charged me {$47.00} for late fees, using the additional principal I had included with my billpay check.

I contacted NewRez on XX/XX/22, discussing this matter with XXXX XXXX, a customer service rep, with XXXX XXXX, a Supervisor, and with XXXX XXXX, an Escalation Specialist. 
After one-hour of waiting on hold, XXXX reversed the late fee which I had been charged.

NewRez not only did not credit my account as paid on XX/XX/22 when the check cleared, they charged me additional principal between XX/XX/22 and XX/XX/22 when the counted the check received. In addition, they unjustly compensated themselves for a late payment instead of attributing my payment to reduce the principal. 
I believe that NewRez needs an audit as I am not likely the ONLY VICTIM and they are likely charging many people late fees that are not justified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation