vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 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: GA

Complaint narrative:
Unknown erroneous XXXX credit card showing on my credit reports recently. I do not own or have ever owned a XXXX XXXX. This card just started reporting on my Credit Reports with all 3 bureaus and shows several years of history. 
I have never owned a credit card with XXXX! I have filed and attached a police report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: GA

Complaint narrative:
Unknown erroneous XXXX credit card showing on my credit reports recently. I do not own or have ever owned a XXXX XXXX. This card just started reporting on my Credit Reports with all XXXX bureaus and shows several years of history. 
I have never owned a credit card with XXXX! I have filed and attached a police 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 non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Veros Credit, LLC
State: TX

Complaint narrative:
Yes thank you for listening. 
They are reporting inaccurate retail Installments. And showing incorrect date of contract XX/XX/XXXX they have XX/XX/XXXX Aggregate unpaid balance as XX/XX/XXXX {$25000.00} Then they had it as repo and sold it for {$9400.00} also have cost of repossession and storage fee of {$830.00} leaving a balance of {$16000.00} but the credit bureaus reporting CREDIT XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan - Bureau Code : Individual Individual Individual Account Status : Open Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$17000.00} {$17000.00} {$17000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$24000.00} {$24000.00} {$23000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$17000.00} {$17000.00} {$17000.00} Payment Status : Unknown Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Involuntary Repossession Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-05-22 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: GA

Complaint narrative:
Please remove the late payments that these companies because I was never late in this account as i'm not sure why there is a late payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for a Penfed Credit card and received the card, but never activated the card. When I received the first statement, I noticed a charge on the card that I had not made. I contacted Penfed and told them of the fraudulent charge. I was connected with the fraud department and was told the concern was handled. I received a second statement and realized the fraudulent charge had not been removed as stated by Penfed that it would. Also, the statement now showed an overdue balance with service charges. I contacted the company a second time and was on the call over an hour as I was shifted back and forth between customer service and the fraud department. I assumed the issue was resolved. A third statement arrived with additional service charges and past due amounts. On XX/XX/XXXX, I spoke with XXXX who reached out to another department for help. XXXX called me on XX/XX/XXXX to tell me she had not heard back from the department for help and she would contact me when she did hear back. No call back from XXXX. I received a letter stating my account was in arrears. I contacted the collection department and was told that to keep my card from being closed, I could pay {$30.00}. ( The original fraudulent charge was {$3.00} ). I paid the fee, since I did not want my credit rating to be affected by this. I then received a letter stating my account had been closed. I am now being told in order to rectify this concern, I will have to pay the original membership fee and all delinquent charges. I have tried in vain to bring this to closure, but the company will not work with me at all.

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 monetary relief
Consumer complaint received 2023-05-22 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:
Hello. I sent letters to all 3 credit bureaus on XX/XX/2023. I asked them per the FCRA 609 clause to provide physical evidence of the accounts in question and also I provided proof of my address and asked the other incorrect addresses to be removed.I have yet to receive anything and the XXXX will be 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Additional notice to Navy Federal Credit Union, I do not have a debit card for my account ending in XXXX, you have deprived me of my right to use my credit card, credit is my right granted. Please see attachments. Thank you for your attention to this serious matter. XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
the Dept of Education is still showing that I owe {$330000.00}. I have had this paid off since XXXX! I can not get a mortgage or any other credit since this makes my debt to income ratio too high. My life is on hold!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
My credit limit was reduced due to credit report. I verified my credit report. No issues found. Perfect credit. Citicard did this on both of my XXXX cards, XXXX of which is Costco. They reduced my limit to current balance which SEVERLY affects my credit score.

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 2023-05-19 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: OH

Complaint narrative:
I am a victim of identity theft and Equifax and XXXX 's data breach, and was not notified by Equifax and XXXX 's of data breach breach and discovered on my own. I reached out to Equifax and XXXX several time including via certified mail and never received a response back. The damages due to this serious action has left me vulnerably exposed to dangerous predictors and has caused me a extreme financial hardship due to my information that was compromised and used for open credit accounts, telecommunication services and fraudulently used to claim and report government benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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:
Hello here is a list of the unauthorized inquiries

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
( 1 ). In response to Carrington responding that they can not respond because an individual is on the complaint, which is another delay tactic several individuals have been on calls to the company and communicated regarding the mortgage payments increase and this is their continued attempt to delay responding. So, there is no more delay only the mortgage holder is on the complaint! I have uploaded an authorization for my daughter XXXX XXXX who has always assisted with any communication. 
( 2 ). I am requesting a complete audit showing how a 4 % fixed mortgage with a senior citizen exemption comes up to {$1700.00} monthly ( current balance is {$150000.00} ) ( 3 ). I am asking that the Mortgage company justify an increase of the mortgage from {$1300.00} to {$1700.00} monthly the property taxes and HO Insurance did not increase by nearly 30 % ( 4 ). It is the contention that Carrington Mortgage is unjustly increasing customers mortgage payments to cover their shortages which is a result of their negligence and current lawsuit enforcement of which they are required to pay not their customers. The unjust increase in mortgage payments is unethical and illegal. 


Continued Complaint Carrington Mortgage is not making any attempt to assist their customers.

1. XXXX XXXX XXXX  no assistance all they did was forward complaint 2. TAX service no assistance all they did was talk in circles and provide conflicting information 3. Online/phone portal has multiple glitches and does not allow adjusted payments or enter in any response XXXX. When you do get a live person, they are not willing to assist you, they want you to pay your balance if not start threating foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the 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 2023-05-19 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: TX

Complaint narrative:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked.

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 2023-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX sent me a bill for over XXXX XXXX I have never had a XXXX dollar cell phone bill this can not be accurate I have not received any breakdown of a bill and this is not possible this amount is inaccurate and fraudulent. This is not my bill i had those services back in XXXX  over 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
the Dept of Education is still showing that I owe {$330000.00}. I have had this paid off since XXXX! I can not get a mortgage or any other credit since this makes my debt to income ratio too high. My life is on hold!

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 2023-05-19 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: VA

Complaint narrative:
the Dept of Education is still showing that I owe {$330000.00}. I have had this paid off since XXXX! I can not get a mortgage or any other credit since this makes my debt to income ratio too high. My life is on hold!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo wrongfully foreclosing on my house so I hired a lawyer who is winning the case but my credits destroyed and they claim I was a year behind on my payments and I wasn't I open an account with Wells Fargo walk-in transfer payments for the next year then they came at me and said I was 2 years behind and they tried selling my house out from under 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
Consumer complaint received 2023-05-19 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. 
In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. 
If you are unable to provide any of the above please delete all inquiries 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 2023-05-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My address and name should be updated! It in showing incorrect on report! I will attach my personal info with this dispute. I tried to dispute but didnt get any help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: VA

Complaint narrative:
My address and name should be updated! It in showing incorrect on report! I will attach my personal info with this dispute. I tried to dispute but didnt get any help!

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