vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2021-09-29 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: PA

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Khols close account due to Covid-19 and they are not working with me. The bill gets higher everyone I call. The hardship is high and I am a victim of disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
They are trying to place 2 account that are the exact same account that is NOT mine! They have the wrong birthdate too! After i filed a complaint, they then reported the same account but changed the amount by {$1.00} to make another account to post on my credit report in retaliation. I am preparing to take legal action!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 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: TX

Complaint narrative:
Around XXXX, I applied for an apartment lease only to be told I needed to pay a double deposit due to credit. To my knowledge I had a decent score of around XXXX last is checked. The complex advised they used Equifax for credit. When I pulled my Equifax report I found that my name and date of birth had been changed without my knowledge or consent. Upon calling Equifax, I was asked for ID, SSN card or birth certificate. All were provided and yet my information was not corrected. After more than 20 calls and numerous disputes of a {$120.00} charge on my credit that doesn't belong to me yet still remains, I was advised a creditor had updated my information but I refused the name of the creditor and the date of the update. I contacted the creditor of the erroneous charge on my credit report and was told the debt was incurred in Alabama by someone of a different name than me. I've never been to nor lived in Alabama. Not do I know anyone who lives there. During my last call to Equifax in XXXX, I was advised by an agent that my Texas drivers license, SSN card and birth certificate were all there but unusable at this time to correct my credit file because they were received in XXXX. Now, they've frozen my credit file and have made no updates since XX/XX/XXXX. I'm unable to submit disputes by phone or online and the information they have of record does not match any other bureaus. I believe I was either a victim of their data breach wherein they mixed my file with another person 's or they've erroneously changed my information and refuse to correct their error. Either way, it has impacted my ability to obtain credit and has cost me significantly more to live everyday life. This is my second written complaint to you as the first was closed without a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2021-09-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX  XXXX, XXXX XXXX Sent a dispute out on XXXX XXXX on the The following Account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statue of limitations. 

Ive also noticed on the account there were errors in the ( BALANCE ) & ( DATE OF LAST ACTIVITY ) section. XXXX is reporting a balance of {$290.00} with a date of last activity as XX/XX/XXXX, Experian is reporting a balance of {$0.00} with a date of last activity as XX/XX/XXXX and XXXX is reporting a balance of {$490.00} with a date of last activity as XX/XX/XXXX now all three of these balances and date of last activity cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It was there duty to ensure that all information reported is consistent and most importantly accurate and they have failed to do so. So i asked that if they could Please DELETE this erroneous item immediately they reported that it was updated but nothing was changed. 

All in all theres plenty of discrepancies on this one account alone XXXX is reporting the high balance as {$490.00} Experian is reporting the high balance at {$0.00} and XXXX is reporting it as {$290.00}. Second is the XXXX XXXX XXXX is reporting it as XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Third error is that XXXX is reporting the closed date as XX/XX/XXXX but experian and XXXX has no closed date which makes no sense at all if the account status is reporting as a closed/Charge off then whats the closed date? Fourth error is the last payment transunion is reporting it as XX/XX/XXXX, Experian is reporting it as the same XX/XX/XXXX but XXXX is reporting it as XX/XX/XXXX. The Fifth error is the late payment thats being reported Experian is reporting that there was no late payment in XXXX but XXXX is reporting it as 30 days late and in XXXX Experian is reporting 30 days late but XXXX is reporting 60 days and XX/XX/XXXX Experian is reporting 60 days when XXXX is reporting 90 days but Experian is reporting 90 days late in fed XXXX. There is so many errors on this one account alone that i distorted and came back verified and updated which you can obviously see was not so there for i believe that they should remove the account from my credit file theyve been reporting wrong information on this account for years

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I used credit karma to receive my free credit report for the first time. The site was unable to verify that I am who I say I am because I have no idea as to what the answers are to verify my report. I have never seen any of the questions before in my life because I don't have anything in my name. I believe someone has been using my identity and now I have no idea what they did to my credit report. Please help me figure this all out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: OH

Complaint narrative:
AGAIN I RECEIVED A LETTER FROM DISCOVER STATING THAT I HAVE NOT FILLED OUT FORM 4506-C THE VERY FIRST TIME I WAS JUST ADVISED TO SIGN MY NAME. 

THEN RECEIVED A LETTER STATING I DIDN'T COMPLY WITH THE DEMANDS. FILLED OUT FORM 4506-C FOR THE SECOND TIME AND UPLOADED IT HERE AS WELL. IF I NEED TO FILL OUT YET ANOTHER 4506-C YOU HAVE TO SUBMIT IT AS I INFORMED YOU BEFORE. BECAUSE ONCE YOU FILL IT OUT AND SUBMIT YOU CAN NO LONGER ACCESS IT. 
SO FOR THE RECORD BOTH HAVE BEEN UPLOADED AS PROOF IN THE COMPLAINTS I HAVE HAD TO SUBMIT. AS I AM UPLOADING PROOF OF THE SECOND TIME I FILLED OUT AND SUBMITTED FORM 4506-C. AS WELL AS NOTARY PAGE OR WHATEVER ITS CALLED. AND AGAIN NO HONEST NOTARY IS WILLING TO NOTARIZE BANK STATEMENTS THAT ARE NOT PRINTED OUT IN FRONT OF THEM INSIDE THE FINANCIAL INSTITUTION THEY ARE FROM. BECAUSE THEY COULD BE HELD LIABLE, FINED AND MAYBE EVEN JAIL. 
FOR NOTARIZING DOCUMENTS THAT ARE NOT PRINTED OUT IN FRONT OF THEM INSIDE THE FINANCIAL INSTITUTION THEY ARE FROM. AGAIN IM ADVISING YOU ARE DEMANDING SOMETHING THAT IS IMPOSSIBLE AND COULD BE ILLEGAL BECAUSE XXXX THE BANK THAT I BANK WITH DOES NOT HAVE A BRANCH IN XXXXXXXX XXXX. AGAIN I HAVE ADVISED YOU OF THIS NUMEROUS TIMES. AND IF DISCOVER HAS A NOTARY THAT WILL NOTARIZE THE DOCUMENT 'S THAT YOU ARE DEMANDING, PLEASE HAVE THEM EMAIL ME SO WE CAN SET UP AN APPOINTMENT. 

IM ALSO UPLOADING STATEMENT. WHEN I GOT APPROVED FOR THE DISCOVER CREDIT CARD XXXX I WAS LIVING AT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 

SO NOW I HAVE UPLOADED THREE MONTHS OF BANK STATEMENTS AS YOU HAVE DEMANDED. NOTARY PAGE. 
AGAIN UPLOADING FORM 4506-C FROM XX/XX/2021 THE SECOND TIME THAT I WAS DEMANDED TO FILL OUT. BUT YET THAT FORM IS NEVER MENTIONED ..... EVEN THOUGH I HAVE SUBMITTED PROOF. 
I HAVE UPLOADED XXXX PROOF OF OWNERSHIP. XXXX DEBIT CARD XXXX BANK ACCOUNT. XXXX APP. DISCOVER CREDIT CARD THAT WAS ISSUED TO ME WHEN I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID AGAIN. UTILITY BILLS BEARING MY NAME AND PRESENT ADDRESS THAT YOU HAVE ON FILE BECAUSE YOU HAVE USED THAT ADDRESS FOR CORRESPONDENCE. XXXX STATEMENTS BEARING ACCOUNT NUMBER.. PAYMENT TO DISCOVER. 

I HAVE COMPLIED WITH YOUR DEMANDS FROM DAY ONE, AS YOU SEEM TO MAKE STATEMENTS OF INACCURACIES STATING THAT I HAVE NOT. 

PLEASE GIVE ME YOUR FULL NAME ADDRESS AND YOUR POSITION WITH DISCOVER AND THE TIME THAT YOU HAVE BEEN WITH DISCOVER FOR MY PERSONAL RECORDS THANK YOU XXXX XXXX AGAIN IF I NEED TO FILL OUT FORM 4506-C FOR THE THIRD TIME YOU HAVE TO SUBMIT IT ... BECAUSE ONCE YOU FILL IT OUT AND SUBMIT IT, YOU CAN NO LONGER ACCESS IT. 

AS FAR AS I KNOW I HAVE SUBMITTED EVERYTHING THAT YOU HAVE DEMANDED AND SO MUCH MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
It started in XX/XX/2021, when I was told by Lakeview loan servicing/XXXX  ( they hold my home loan ) that my XXXX mortgage payment got lost, they found out that they move my payment to another account holder without my knowledge. I have never missed any of my mortgage payments and they know because my payment record shows it. They assure me they will fix within the next days, 5 months have passed I call them literally once or twice a week. I have talked to numerous of their agents including supervisors and even agents that supposedly resolve this type of issues, up to this date nothing is been done. Today I spoke to one of their agents and she told I have two days to repay that lost payment, threatening me to report it to the credit bureau, a payment they lost!

I have sent proof of payments from my bank that clearly shows payments posted to Lakeview not only once but several times. They have admitted that they got all my payments but they can not return my money to my account because is still under investigation ( its been under investigation for 4 months ) and I am paying the consequences. They have me over the edge, They have been sending letters threatening to foreclosure! 
I still hope this issue gets resolved soon so we get to enjoy our house we recently purchased.

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 2021-09-29 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Sent a dispute out on XXXX XXXX on the The following Account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statue of limitations. 

Ive also noticed on the account there were errors in the ( BALANCE ) & ( DATE OF LAST ACTIVITY ) section. XXXX is reporting a balance of {$290.00} with a date of last activity as XX/XX/XXXX, XXXX is reporting a balance of {$0.00} with a date of last activity as XX/XX/XXXX and Transunion is reporting a balance of {$490.00} with a date of last activity as XX/XX/XXXX now all three of these balances and date of last activity cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It was there duty to ensure that all information reported is consistent and most importantly accurate and they have failed to do so. So i asked that if they could Please DELETE this erroneous item immediately they reported that it was updated but nothing was changed. 

All in all theres plenty of discrepancies on this one account alone Transunion is reporting the high balance as {$490.00} XXXX is reporting the high balance at {$0.00} and XXXX is reporting it as {$290.00}. Second is the Dola Date Transunion is reporting it as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Third error is that transunion is reporting the closed date as XX/XX/XXXX but experian and XXXX has no closed date which makes no sense at all if the account status is reporting as a closed/Charge off then whats the closed date? Fourth error is the last payment transunion is reporting it as XX/XX/XXXX, XXXX is reporting it as the same XX/XX/XXXX but XXXX is reporting it as XX/XX/XXXX. The Fifth error is the late payment thats being reported XXXX is reporting that there was no late payment in XXXX but XXXX is reporting it as 30 days late and in XXXX XXXX is reporting 30 days late but XXXX is reporting 60 days and XX/XX/XXXX XXXX is reporting 60 days when XXXX is reporting 90 days but XXXX is reporting 90 days late in fed XXXX. There is so many errors on this one account alone that i distorted and came back verified and updated which you can obviously see was not so there for i believe that they should remove the account from my credit file theyve been reporting wrong information on this account for years

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 2021-09-29 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX Sent a dispute out on XXXX XXXX on the The following Account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statue of limitations. 

Ive also noticed on the account there were errors in the ( BALANCE ) & ( DATE OF LAST ACTIVITY ) section. Equifax is reporting a balance of {$290.00} with a date of last activity as XX/XX/XXXX, XXXX is reporting a balance of {$0.00} with a date of last activity as XX/XX/XXXX and XXXX is reporting a balance of {$490.00} with a date of last activity as XX/XX/XXXX now all three of these balances and date of last activity cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It was there duty to ensure that all information reported is consistent and most importantly accurate and they have failed to do so. So i asked that if they could Please DELETE this erroneous item immediately they reported that it was updated but nothing was changed. 

All in all theres plenty of discrepancies on this one account alone XXXX is reporting the high balance as {$490.00} XXXX is reporting the high balance at {$0.00} and Equifax is reporting it as {$290.00}. Second is the Dola Date XXXX is reporting it as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and equifax is reporting XX/XX/XXXX. Third error is that XXXX is reporting the closed date as XX/XX/XXXX but XXXX  and equifax has no closed date which makes no sense at all if the account status is reporting as a closed/Charge off then whats the closed date? Fourth error is the last payment transunion is reporting it as XX/XX/XXXX, XXXX is reporting it as the same XX/XX/XXXX but equifax is reporting it as XX/XX/XXXX. The Fifth error is the late payment thats being reported XXXX is reporting that there was no late payment in XXXX but equifax is reporting it as 30 days late and in XXXX XXXX is reporting 30 days late but equifax is reporting 60 days and XX/XX/XXXX XXXX is reporting 60 days when equifax is reporting 90 days but XXXX is reporting 90 days late in fed XXXX. There is so many errors on this one account alone that i distorted and came back verified and updated which you can obviously see was not so there for i believe that they should remove the account from my credit file theyve been reporting wrong information on this account for years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I've try to open checking account with Bank of America past month and I found out someone stolen my identity and opened two Bank of America checking account so I can't open account on my own because of that so I've spoke with fraud department and open two fraud claim for it. First claim number it's Case number XXXX for account ending in XXXX and second claim number its XXXX for account ending in XXXX and two weeks ago Bank of America customer service told me they've finished investigation and saying Weve completed our research on your claim listed above and determined you arent the person responsible for opening the account. but I'm still unable to XXXXpen Bank of America checking account on my own afterward. Ive try to open one online but they closed it right after I opened it and I went into a branch with my social security card and two form of id and they still wouldn't let me opened it and it popped an error saying " fraud '' when banker tried to open one for 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