vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX, I had to enter a court ordered XXXX  at the XXXX XXXX XXXX, XXXX Georgia, and my XXXX XXXX card did not get paid on time a few times in a row, due to that situation. These look like missed payments, but in actuality it was a family miscommunication and autopay did not get turned on. 

The same in XXXX, I was placed in XXXX  because I have an XXXX  problem. Since then I have got my act together, my debt has dropped tremendously, and my score has raised, but these " missed payments '' are still on my record because the State of Georgia XXXX XXXX 

Late payments have not happened since. Can these be taken off?

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 2021-08-04 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: TX

Complaint narrative:
Noticed several unauthorized inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: TX

Complaint narrative:
I have disputed these items on several occasions and no one at any of these credit bureaus are responding back and they can no longer say that they are short staffed. Please have these credit bureaus to do their job and have these derogatory items deleted immediately.. This has caused me not to be approved for my mortgage. 

XXXX  XXXX-Unverified account- Delete immediately XXXX XXXX  XXXX Unverified account- Delete immediately XXXX- XXXXUnverified Account- Delete immediately XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX XX/XX/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 2021-08-04 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: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I sent letters to XXXX and XXXX credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX and XXXX  credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX $ XXXX XXXX : XX/XX/XXXX XXXX $ XXXX XXXX : XX/XX/XXXX XXXX $ XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Noticed several unauthorized inquiries on my 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 2021-08-04 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on 03/01/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: DE

Complaint narrative:
In reviewing my transactions on XX/XX/2021 with a representative at XXXX, ADP card services, it was brought to my attention that there were many unauthorized charges in the amount of {$1100.00} on my account with a company called XXXX. I explained to the rep that the charges were fraudulent and I have never had a XXXX account or used their services and would like to dispute the transactions. A dispute investigation was opened and the compromised account was closed and I was issued a new debit card. On XX/XX/2021 I was asked to sign and submit a Statement of Fraud form which I did and emailed it to the Dispute Department on XX/XX/2021. On XX/XX/2021, I received correspondence from XXXX, ADP indicating the investigation was completed and it was determined that the charges were legitimate and I would not be able to recover any of the money stolen from my account and the investigation was closed. I immediately called to discuss this decision as I was extremally upset by this. The rep I spoke with on XX/XX/2021 told me that based on what they determined I must have had an account with the merchant to make these charges. I explained over and over again that I do not nor have I ever had an account with XXXX. The rep stated that I could send a written request to receive the investigation materials and or provide proof from XXXX that I am not in their system as a customer. I was provided a telephone number that does not work to speak with someone at XXXX is nearly impossible in order to provide this proof to XXXX. I just want to recover my money. I placed another call to XXXX  on XX/XX/2021 with my mother to gather more information on how it was decided to close the investigation. If I'm having a hard time contacting XXXX  about these charges, who did they speak with to decide it was me that made all these charges and closed the investigation without really investigating I was passed around to numerous departments with no one really providing any assistance and finally after two hours of this, I was disconnected and no one bothered to call me back. Why ask for a call back number if you are disconnected and then when you are disconnected no one calls you back. I now have to call back and get back in the que and wait 40 plus minuets for another rep to start this process all over again. I feel as though XXXX  has handled my situation completely unprofessional and non caring which is unacceptable as a customer who had his hard earned money placed into this company hands and this company has no regard or protection to help me recover what belongs to me which I worked hard to have and not be stolen from me. Not one rep could answer if my funds were FDIC insured.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Collection Bureau of Fort Walton Beach, Inc
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXXXXXX XXXX XXXX COLLBURFTWB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: TN

Complaint narrative:
Equifax is reporting two accounts with XXXX XXXX XXXX XXXX both accounts start with XXXX and both are showing a late payment as of XX/XX/2016 as 120 days delinquent. Both accounts opened XX/XX/2016 which if doing the math there is no way possible that is accurate. First there were NO LATE PAYMENTS ON EITHER ACCOUNT and secondly to say an account that just opened was 120 days late when only opened for 3 months is completely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
My servicer is FedLoan Servicing. I submitted a PSLF Employer certification on XX/XX/2021 and have not received a response from FedLoan Servicing regarding the number of qualifying payments I have made towards PSLF. I sent a status update request via email on XX/XX/2021 and was told my PSLF certification was still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I noticed a decrease in my credit score from XXXX on XX/XX/XXXX and upon looking at why, it showed that a collection agency had filed against me. I called the Caine and Weiner debt agency and enquired about the account. Apparently I have been a victim of identity theft because it was an amount of {$280.00} that originated from XXXX for a XXXX XXXX, this account was opened in XXXX. I explained to them that I have never owned a XXXX XXXX or had an account with XXXX. I have been informed by XXXX  ( paid company to monitor my credit/personal information ) that my phone number has been seen on the dark web, and whoever used my information, may have used my phone number to get the information. They also had my driver 's license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been sick with XXXX  and had a XXXX XXXX back in XXXX. I was up to date on all four cards. When card number that ends in XXXX was due. in XXXX I paid to bring the balance down to {$12000.00}. Since that time I have been unable to work and had a reduction of income. In the meantime, for some odd reason Bank of America thought I was deceased. They were sending estate paperwork. I called them several times to get this rectified. Here it is XX/XX/XXXX and they have charged me {$900.00} and interest and fees. I called them last week and they advised that there is nothing they can do to stop the bleeding. They are charging me over {$200.00} a month in fees and late charges. This is the second time I have filed this complaint. I have called and left messages and nobody seems to care with the escalation department. I asked them to work with me. That said the account is only 1 month past due. Because it went to estate they have to wait another 5 months. In the mean time I am be hit with ongoing late charges and fees. It's not my fault I got the XXXX  XXXX and lost my income. I was never late until this mess happened. This company has no compassion

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 2021-08-04 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: NCB Management Services Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ... NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX EXETER FIN XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/2021 I tried to book a business trip for myself and my colleague with XXXXXXXX XXXX for XXXX XXXX XXXX. They mistakenly booked us for the dates XXXX XXXX XXXX when I never authorized a transaction for the amount of {$980.00} for those dates. On XX/XX/2021 I called XXXX customer service to try to change the dates for the trip and spent 8 hours on hold, never getting through to a customer service agent from the merchants end. On XX/XX/2021 I opened a dispute with my bank at the time, US Bank to dispute the transaction. They opened a case and investigated it for the following weeks in XXXX and the last thing US Bank told me was that they found XXXX XXXX at fault and credited the money back to my account. 

As a New York resident and XXXX account holder, I decided to close the account since there are no physical US Bank branches in the state of New York. When I was visiting family in XXXX XXXX California, I closed the account in XX/XX/2021 after bringing the account to a balance of {$0.00} and paying overdraft fees to do so. The banked never told me that they were still investigating the XXXX dispute while I was closing the account. Since then, Ive been contacted by US Bank because they never finished the case and claimed they still need more information from my end. Every week I am getting multiple threatening letters in the mail that my ( already closed account ) is in the negative by {$980.00} and that if I dont bring the account to a {$0.00} balance they will keep this debt against me and keep contacting me. I have been trying to get in touch with their Fraud Department to clear this from my record but it has been impossible to reach the investigator from my case and every time they try to call me back it is from a random number which I do not recognize and I am in a meeting for work or in an appointment. When I try to call them back on the number they provide me with, the investigator from US Bank never answers my call.

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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX was selling a puppy on the XXXX  page. So I have contacted him and decided to purchase one from him. He sends me a contract via email and I send him {$870.00} via XXXX. On that day of XX/XX/2021, translogisticsexpress asked me for {$500.00} refundable insurance and XXXX XXXX told me that there is some health issue on a pet nanny so I needed to send another {$250.00} for XXXX. After that, both agencies dessapeared. On the website of XXXX, I was able to see other victims whose purchase in XXXX is still pending. I was not aware that I can not reverse the payments on XXXX. I already submitted the claim to FBI Internet Crime Complaint Center, However, I would like to dispute these charges to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Account showing closed when still open have attempted to resolve but Continues to harm ability to seek financing with other 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 explanation
Consumer complaint received 2021-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had a year and 7 dispute letters sent to resolve this and they have failed! Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. 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 explanation
Consumer complaint received 2021-08-04 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 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: FL

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had a year and 7 dispute letters sent to resolve this and they have failed! Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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:
fcra violations not mine : remove it : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUCCESS MORTGAGE PARTNERS, INC
State: GA

Complaint narrative:
We had been shopping for a lender and chose three separate companies to get a quote from. We had a " local lender '', XXXX XXXX, who quoted us. We decided to not go with her as our loan originator and chose another company as she couldn't match the rates provided by the others. 

XXXX proceeded to contact the seller and told them we weren't using her as a loan officer, which she had not right to do. She attempted to jeopardize our pending home purchase out of spite. 

The actions taken were unprofessional and likely illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation