vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN has been reporting two invalid addresses and Incorrect name which I have been requesting immediate removal for more than a year now from my EXPERIAN CREDIT REPORT! 
Name : XXXX XXXX XXXX My name is : XXXX XXXX - No G Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX TX XXXX on XX/XX/XXXX Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX TX XXXX 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 2022-02-04 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Comenitybank/Victoria Account XXXX XXXX is reporting as an delinquent account across all three of my credit bureaus which is inaccurately reporting as all my payments for this account has been on time and there were never any late payments. As a result, of this I closed the account because of the inaccurate information they were reporting to the credit bureaus and these false representations of a delinquent account severely hurt my credit score. I am in the process of going for an mortgage loan in which this issue from the past is continuing to haunt me which is inaccurate and I need this fixed. See attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding the alleged INQUIRIES. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

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 2022-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
On or before XX/XX/2022, an account with NBT Bank had a security breach. As Power of Attorney for the account holder, I contacted Customer Service to report the security breach. 

Customer Service had no POA documents on file and requested them. Luckily we were able to get the account holder on the phone and she requested the security breach response. 

Customer Service gave us an email, XXXX, to send POA documents too. On XX/XX/2022, at XXXX est, POA document were sent. At XXXX that same day, we were asked to get an Affidavit Power of Attorney and sent a blank form. 

On XX/XX/2022, The Affidavit was signed and certified by a Notary Public, who was also an attorney who review the documents as well. They were scanned with some additional information needed about myself who is the agent. 

The Bank then denied the power of attorney documents, because they were not original or a certified copy, despite being the scans of the originals as requested by the Bank with a Nortized affidavit of power of attorney with the documents. 

This is not the first time I have had this type of issue with NBT Bank. The Local branch in XXXX NY does not have a manager and the workers there will not help or even talk with me about POA. Moreover, the declination came via email with no explanation. We were told to contact customer service - who promptly hung up on me, transferred me, and then sent me to a random voicemail unaffiliated with the company. 

NBT Bank is currently withholding access to this account that I have legal power of Attorney over. Why would waste time and money on a Power of Attorney document if we can't use it? It seems ridiculous that NBT Bank and other financial institutions and regulations have a misguided stance on POA. The agent has the authority of the individual, plain and simple. The Document wouldn't have gotten signed and filled out by the individual, the public notary, or the lawyer who drafted it ; if they didn't know what they were doing and what power they were giving the agent. It is not NBT bank 's responsibility to advise their customer on legal matters, it is actually frowned upon. They are not the judge and jury in this situation, the account holder is. If something nefarious happens, it is on the agent, whom they have a record of, not the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After being denied credit, I pulled my report and noticed several loans I did not obtain. All loans were taking out during the same time frame, obtained online and used my old address, a different variation of my name and or the wrong or variation of my social ( ex : just the last XXXX digits but not the full social ). 

I contacted the credit bureaus and was told to obtain a police report, get a signed affidavit of identity theft and report the accounts to the federal trade commission. per the bureaus request I did all of these things and sent them a packet certified mail with the information. 

In turn the bureau did not : 1 ) properly investigate my claim 2 ) will not inform me of whom they spoke with concerning their so-called validity that these accounts belong to me. 

All the bureau did was place an identity theft alert on my file BUT told me I wasn't an identity theft victim which makes zero sense!!!! XXXX of the accounts, have been removed/blocked before but the bureau keeps allowing the reinsertion without proof it is mine and despite the fact they keep changing their name but has the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
USAA XXXX XXXX XXXX, has used my name and written insurance claim checks in my name but with the incorrect birthday ( the year is not correct ) on three different claim policies. 

XXXX {$10000.00} XXXX {$3700.00} XXXX {$6000.00} The information was used at an address I do not dwell in and is hindering me from getting homeowners insurance for my home i just purchased XX/XX/2022. When I called for assistance in getting this information corrected the company could not help because I did not know the security questions that the individual has used. 
I want XXXX XXXX XXXX XXXX to be notified too because they are the Mortgagee company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In less than 6 mon. I have racked up a total of 3 inquiries with one that I do not recognize on my credit report CAP ONE NA as well as a duplicated inquiry from XXXX XXXX XXXXl on two separate dates on XX/XX/XXXX and XX/XX/XXXX on a single loan for {$5000.00}. Id like two only have one inquiry which I expected to have on my report instead of 3 which I do not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX Account XXXX XXXX is reporting as an delinquent account across all three of my credit bureaus which is inaccurately reporting as all my payments for this account has been on time and there were never any late payments. As a result, of this I closed the account because of the inaccurate information they were reporting to the credit bureaus and these false representations of a delinquent account severely hurt my credit score. I am in the process of going for an mortgage loan in which this issue from the past is continuing to haunt me which is inaccurate and I need this fixed. See attached documentation.

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 2022-02-04 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX Account XXXX XXXX is reporting as an delinquent account across all three of my credit bureaus which is inaccurately reporting as all my payments for this account has been on time and there were never any late payments. As a result, of this I closed the account because of the inaccurate information they were reporting to the credit bureaus and these false representations of a delinquent account severely hurt my credit score. I am in the process of going for an mortgage loan in which this issue from the past is continuing to haunt me which is inaccurate and I need this fixed. See attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: CT

Complaint narrative:
XXXX Account XXXX XXXX is reporting as an delinquent account across all three of my credit bureaus which is inaccurately reporting as all my payments for this account has been on time and there were never any late payments. As a result, of this I closed the account because of the inaccurate information they were reporting to the credit bureaus and these false representations of a delinquent account severely hurt my credit score. I am in the process of going for an mortgage loan in which this issue from the past is continuing to haunt me which is inaccurate and I need this fixed. See attached documentation.

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 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This is not my account and it needs to be deleted immediately from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have items that I have purchased via the company XXXX XXXX XXXX on credit. I have paid off several items dating back to XX/XX/XXXX to now XXXX of XXXX and haven't been late on one payment. None of this information is reflected on my credit report but derogatory marks are. The three companies that have missed this information are XXXX, Transunion and 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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have items that I have purchased via the company XXXX XXXX XXXX on credit. I have paid off several items dating back to XX/XX/XXXX to now XXXX of XXXX and haven't been late on one payment. None of this information is reflected on my credit report but derogatory marks are. The three companies that have missed this information are XXXX, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
My identity was stolen in XXXX, 2021. I discovered it was used to open fraudulent credit accounts in my name; reported them to the credit companies within XXXX days of them appearing on my credit reports and alerts ; and placed security alerts and freezes on my reports with all three bureaus. In XXXX, XXXX XXXX reported a delinquent account in my name opened in XXXX to Transunion. I immediately disputed the account with Transunion and called XXXX to ask how they issued credit in my name despite the security alerts and freezes on my accounts. The customer service agent at XXXX told me they do not do credit checks for people who open accounts in store. They also told me that while my name and social security number matched, the person used a different address and phone number. They refused to close the account without a police report and refused to tell me the location of the business where the credit was issued so I could file a police report. I then updated my affidavit on the FTC identity theft website, mailed them a copy and a dispute letter and have a signature confirming they received both. XXXX refused to comply with Transunion 's investigation, and Transunion did not remove the account from my report despite admitting that the rest of my credit history is exceptional. Transunion also said the only way the fraudulent account would be removed from my report is if the creditor complied with their 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 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I have a collection on my credit repot from NCB MANAGEMENT SERVICE Original creditor : XXXX XXXX XXXX XXXX. I have no idea where this account came from and reached out to this company several times a d I have gotten no verification of this account and I'd like it deleted from credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX  Account # XXXX is reporting as an delinquent account that I have for over 5 years with no late payment and this is inaccurate. I have never missed a late payment within the 5 years I have had this account so for the Late payments on XX/XX/2018, and XX/XX/2018 marked as 30 days and 60 days late respectively has to get updated across all XXXX bureaus and reported right as this is inaccurate and all inaccurate, wrong reporting information has to get removed from the credit report according to the FCRA. See attached documentation.

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 2022-02-04 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: OK

Complaint narrative:
An unauthorized hard inquiry showed up on my credit report on XXXX from XXXX XXXX XXXX XXXX XXXX. I immediately contacted all 3 credit reporting agencies to place fraud alerts on my credit report. I have also contacted XXXX XXXX and alerted them of the potential identity theft. I was informed by the bank that a credit card application was submitted using my personal information. They have canceled the application and offered to send letters to credit bureaus to remove the inquiry from my report. 
I am filling this report for record purposes.

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 2022-02-04 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
An unauthorized hard inquiry showed up on my credit report on XXXX from XXXX XXXX XXXX XXXX XXXX. I immediately contacted all XXXX credit reporting agencies to place fraud alerts on my credit report. I have also contacted XXXX XXXX and alerted them of the potential identity theft. I was informed by the bank that a credit card application was submitted using my personal information. They have canceled the application and offered to send letters to credit bureaus to remove the inquiry from my report. 
I am filling this report for record purposes.

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 2022-02-04 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my BANKRUPTCY ACCOUNT Chapter XXXX Bankruptcy Case Number : XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XX/XX/2021 I have tried on multiple occasions to fix my personal incorrect information that is on my credit report. I have sent multiple letters with no responses. All of my letters have been ignored. All I wanted is my drivers license and proof of residence information to match. The information reporting on my credit report is incorrect.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN has been reporting XXXX invalid addresses and Incorrect name which I have been requesting immediate removal for more than a year now from my EXPERIAN CREDIT REPORT! 
Name : XXXX XXXX XXXX My name is : XXXX XXXX - No G Incorrect Address # 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX on XX/XX/XXXX Incorrect Address # 2 : XXXX XXXX XXXX XXXX XXXX TX XXXX 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