vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: TX

Complaint narrative:
XXXX XXXX is reporting erroneous items on my credit report. The items do not belong to me. I have requested for XXXX XXXX to provide required documentation under Section 609 FCRA of the alleged debt, authorization to pull my credit, the times and dates thereof and all contracts or agreements purportedly entered into by me. I have now sent 3 notices to XXXX XXXX under Section 609 FCRA demanding that they comply with Section 609 FCRA. As of the submission of this complaint over 90 days have elapsed since my first notice and request under Section 609 FCRA and XXXX XXXX refuses to comply with Section 609 FCRA. XXXX XXXX DOES continue to verify the information as accurate without complying with Section 609 FCRA. 

All of the above constitute egregious violations of The Fair Credit Reporting Act, specifically Section 609 FCRA. XXXX XXXX is mandated to delete the items based upon their failure to comply with Section 609 FCRA. I am attaching to this complaint a notice wherein the FTC sued XXXX for these very same violations. The lawsuit clearly shows the requirements of a creditor under Section 609 FCRA. XXXX XXXX is currently in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA.

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 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I deposited XXXX dollars into my account and a few days later it was closed. I could not gain access to my checking account. Chime requested documents to prove where the XXXX dollars came from and so I sent them my information and proof of my unemployment benefits. Now its been days and radio silence, they have stopped replying to my inquires. During this pandemic things are hard as is and now imagine having your funds locked up and no one answering. I would like for them to send a check to the address on file and close my account. I want nothing to do with their horrible customer service and would like all my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is reporting an erroneous debt on my credit file that I do not owe! I recently checked my credit and noticed this debt. This debt is very old and not only is past the statue of limitations but it's also past eh credit reporting limit per the FCRA guidelines. I do not owe this debt and it is not mine. This needs to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NY

Complaint narrative:
On numerous occasions, I have mailed several correspondence to remove the account named XXXX XXXX XXXX acct # XXXX. I never received any results. Furthermore, I received correspondence from XXXX stating that the trade line would be removed and also forwarded it to all CRA. It has been 5 months and this account is still falsely reporting on my credit. The latest false report is 2 new 90 day late payments on XXXX. How is this possible for an account that should not be on my credit report? 
It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. All investigations have either exceeded 30 days or not conducted at all. This is extremely frustrating as you alone are causing me great stress and emotional instability. Due to the lack of response to my letters I am forced to make a formal complain on the CFPB for violations of the federal statutes that I can pursue retribution for and thus result in numerous fines to your agency. This account has no place on my credit report. If needed I can provide documentation that this should not be on my reports. However, I ask that you correct the error on your part and remove the account entirely.

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 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
CCi is a collection company reported on my credit report in XXXX i notice the account and disputed it with the three credit companies explaining in my dispute this is not my account it was open fraud i sent in my police report and driver license XXXX and XXXX told me the account was verified and continue to report this on my credit report the could have not verified because i never open this account and its a fraud account

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 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
I have been trying to refinance for the past few months. I recently found a late XXXX on my credit from my mortgage company not allowing me to refinance. I have contacted the mortgage company with no avail. I made a payment for XXXX on XX/XX/XXXX at XXXX. I asked for the late XXXX to be expunged since I made the payment and somewhere in the XXXX it was still XX/XX/XXXX. I asked for goodwill since I have never missed a payment in almost 7 years with this mortgage company and always paid any late fees. My mortgage is up to date and I have roughly XXXX XXXX  equity in the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
we tried to explain that the merchandise had been returned to Sears XXXX. They said we needed to pay mnimum payment to protect our credit rating

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 2021-01-15 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:
Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX TN, XXXX Information belongs to someone else ( identity theft, fraud, error ) Identity theft report filed XX/XX/XXXX in reference to account number XXXX associated with XXXX  XXXX XXXX  XXXX ( XXXX XXXX ) that's reappeared on my credit reports ( XXXX  , Equifax & XXXX  ). This account has already been removed from my credit reports once before and has negatively reappeared. The same documentation that I'm sharing will be used against the creditor in court because I'm seeking legal action and starting a civil case XX/XX/XXXX. I'm seriously fed up with going back and forth stating that I am not liable for the account, I can't help that my personal information was obtained and stolen ( Emails, Phone Numbers, Addresses etc. ) The information associated with the account number above-mentioned doesn't match with my exact personal information, it has the wrong addresses, phone numbers except for my old email that I don't have access to anymore that was hacked years ago and the reason XXXX is associated with the Consumer Financial Protection Bureau is because I created an online account with them every since I had created the email before it got hacked and stolen. That's not my email anymore though

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been consistently trying to get these inaccurate items removed from my credit report! My family and I have been a victim to this madness for sometime now. These items are clearly in violation of the FCRA. My family and I have already been stressed and struggling due to COVID now things are becoming worse simply because we are no able to apply for credit because these inaccurate items that are being reported has been causing our scores to drag which results in constant denials for credit. Please help resolve this ISSUE. I am in the process of seeking compensation for my troubles if these issues are not resolved immediately.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been consistently trying to get these inaccurate items removed from my credit report! My family and I have been a victim to this madness for sometime now. These items are clearly in violation of the FCRA. My family and I have already been stressed and struggling due to COVID now things are becoming worse simply because we are no able to apply for credit because these inaccurate items that are being reported has been causing our scores to drag which results in constant denials for credit. Please help resolve this ISSUE. I am in the process of seeking compensation for my troubles if these issues are not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I basically Got scammed with {$250.00} there was completely no actions taken by the company no matter how much screen shots and proof I showed them as to what explains what happen and that it was problem on their end no action what so ever just telling me next time make sure I know the person when I definitely was not even trying to make a transaction using cash app in the first place and the person whome was supposed to receive the money does not even have cash app!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Conn's, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Conn 's Appliances , Inc. I have tried on several occasions to rectify this problem, since paying both of my accounts off with a third party collection company, on XX/XX/XXXX. I have been given the runaround with Conn 's since paying off my accounts in XXXX. I waited the 30 to 45 days that it takes for them to update the credit report. The last time I spoke with a representative on XX/XX/XXXX. I was still given the run around by Conn 's, my credit report still hasn't been updated. I have emails from the collection office XXXX XXXX XXXX XXXX, with proof that put accounts that I had with Conn 's, were paid off in full. I am hoping that with filing this complaint CFPB, can help me get this problem solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
paying for the credit scores wont update

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 2021-01-15 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express is reporting erroneous items on my credit report. The items do not belong to me. I have requested for American Express to provide required documentation under Section 609 FCRA of the alleged debt, authorization to pull my credit, the times and dates thereof and all contracts or agreements purportedly entered into by me. I have now sent 3 notices to American Express under Section 609 FCRA demanding that they comply with Section 609 FCRA. As of the submission of this complaint over 90 days have elapsed since my first notice and request under Section 609 FCRA and American Express refuses to comply with Section 609 FCRA. American Express DOES continue to verify the information as accurate without complying with Section 609 FCRA.

All of the above constitute egregious violations of The Fair Credit Reporting Act, specifically Section 609 FCRA. American Express is mandated to delete the items based upon their failure to comply with Section 609 FCRA. I am attaching to this complaint a notice wherein the FTC sued XXXX for these very same violations. The lawsuit clearly shows the requirements of a creditor under Section 609 FCRA. American Express is currently in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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:
XXXX XXXX is reporting erroneous items on my credit report. The items do not belong to me. I have requested for XXXX XXXX to provide required documentation under Section 609 FCRA of the alleged debt, authorization to pull my credit, the times and dates thereof and all contracts or agreements purportedly entered into by me. I have now sent 3 notices to XXXX XXXX under Section 609 FCRA demanding that they comply with Section 609 FCRA. As of the submission of this complaint over 90 days have elapsed since my first notice and request under Section 609 FCRA and XXXX XXXX refuses to comply with Section 609 FCRA. XXXX XXXX DOES continue to verify the information as accurate without complying with Section 609 FCRA.

All of the above constitute egregious violations of The Fair Credit Reporting Act, specifically Section 609 FCRA. XXXX XXXX is mandated to delete the items based upon their failure to comply with Section 609 FCRA. I am attaching to this complaint a notice wherein the FTC sued XXXX for these very same violations. The lawsuit clearly shows the requirements of a creditor under Section 609 FCRA. XXXX XXXX is currently in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Last Four *XXXX {$960.00} XXXX XXXX XXXX Acct XXXX # XXXX Police Report # XXXX *Fraud Affidavit Attached* Dear CFPB, I am contacting you all, because I do not own the XXXX XXXX  XXXX account that was taken over by Portfolio Recovery. I have been having issues disputing this matter. I decided to contact Portfolio Recovery directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. The final bill does not give me clear proof without original beginning documents. I would like to know where the card was sent & payment history. 

I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so. 

The document that I received from Portfolio Recovery on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent. 

After speaking to XXXX XXXX  and filing a claim on XX/XX/XXXX, I have been promised investigation results in 7-10 business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have an account reporting on my credit from XXXX XXXX. The original creditor is XXXX, and it says the debt is from XXXX. I haven't had XXXX since XXXX, and I don't believe I owed them anything. Either way, that's past the statute of limitation, and should not be showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: UT

Complaint narrative:
I defaulted on my student loans, but paid them off with the Department of Education in XXXX. 

As a side note, after I paid the balance showed as owed, I had to go back and pay 3 more times, because they kept charging more money. The final payment I made was this month in the amount of {$1.00} to make sure it was paid as they added another charge for less than a dollar. 

There are now 4 references to the same loan. I tried to get the XXXX and XXXX accounts removed as duplicates and I can not get the credit bureaus to delete them to reflect only 2 accounts with the Department of Education.

The duplicated accounts have dragged my scores down much further than they should and because of this we are stuck living in a hotel with 4 young children because we can not qualify to rent anywhere or get a mortgage. 

I paid to these, they should only be referenced for the paid accounts. I need them to remove these duplicates immediately. 

This is double damage/double jeopardy and I should not have to pay an agency to fix this, they should remove it to reflect only the 1 debt, not multiple.

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 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Shellpoint Mortgage has not recognized our payments and continues to lack in response to effectively resolve our confirmed payments by XXXX XXXX. Loan recently sold to XXXX XXXX, with a forward of the outstanding payments, that were made in full and on time. XXXX has started a foreclosure process. We have full documentation and confirmation of all payment completed and cashed. We are in full support of moving forward with litigation against Shellpoint, XXXX XXXX CEO Shellpoint and team. This is completely unacceptable. STAY AWAY from Shellpoint!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/XXXX XXXX network sent me a notice of a refund being placed back in my account that may take up to 2 business cycles to complete. Knowing the issues Ive already had with Navy federal when it comes to refunds I made sure to constantly  check my balance looking for that refund of {$59.00}. From XX/XX/XXXX til XX/XX/XXXX and in this time there was no credit placed in my account. So today XX/XX/XXXX I decided to check my account one more time to see where my balance was at and when I scrolled down the first thing I see is a false credit of XXXX dated XX/XX/XXXX which was a Monday Navy federal never process anything on Mondays because the bank closes for weekends. I did not get my refund and when I called the bank I was met with lies which made me very angry. This is the 3rd time this has happened in regards to getting a refund placed back into my account and I cant take it anymore its wrong and a lie nothing close to reality I want my refund.

Company response to consumer: Closed with explanation