vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 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: MD

Complaint narrative:
Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted negative items onto my credit report illegally. I demand that the negative accounts from XXXX XXXX that was previously removed be deleted and blocked. It is illegal to keep the negative accounts on my file without any written consent of reinsertion. I know my laws and I will make sure they are enforced. Attached is my XXXX report showing the accounts were not there but and XXXX report when they were first reinserted. 
XXXX XXXX. {$60000.00} XXXX XXXX. {$5000.00} XXXX XXXX. {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have over a 90 day period dispute these account to remove accounts with credit bureaus. Due to many inaccuracies. I sent a demand to comply letter. My letter to the Credit bureau have gone unaddressed within 30 days. The credit company is not complying with their own policies in a timely manner. I need accounts ( see attachments ) to be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: AZ

Complaint narrative:
I've tried contacting Checkr through phone and email. Their phone is useless since it doesn't take calls. Their email just sends the user to automated response. This company is reporting false information about me. They need to take responsibility for their actions and fix this. I'm appalled that any business would use this company to gather information. What a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 a consumer as identified in the FDCPA under 1692a ( e ) an I have the right to privacy pursuant to 15 USC 1681a ( 4 ). This identity theft pursuant to 15 USC 1681 ( 3 ). I understand pursuant to 1681c ( 1 ) you have the authority to decline or rescind. This information I am presenting is requested in an affidavit of fact so there is no misrepresentation of the fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am identifying myself as a consumer. According to my consumer rights I am requesting debt validation of all of my all the student loans on my credit file. If the original contract with my wet signature is not provided then the accounts should be removed from my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I called and sent in police report that my information was stolen and these items keeps coming up verified, of course it would they had my birth certificate, social security card, and ID. I asked for proof of a signed contract by me plenty of times but never got it! Please validate with a signed contract by me or delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Charges by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, were all scam related charges ranging from XXXX that went overlooked and not flagged by chase for months. They were inconsistent with any accounts I had an chase fraud detection was useless to me. I eventually noticed, contacted a chase representative, filed a dispute, requested a thorough digital investigation. I was told that if the dispute was settled-per Chase company policy-it would only be for up to 60 days, leaving me at a loss for all of the other scammed charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TN

Complaint narrative:
Late Payments Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$8700.00} Dates of Late : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Balance : {$1600.00} Dates of Late : XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how I was late in those months. I know I have made those payments to you. I might have gotten my statements late during those months.. But I have always made my payments on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Late Payments Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$8700.00} Dates of Late : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Balance : {$1600.00} Dates of Late : XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how I was late in those months. I know I have made those payments to you. I might have gotten my statements late during those months.. But I have always made my payments on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I am current on the mortgage payments and paid {$300.00} extra to the principal on ( XX/XX/21 ) .Specialized loan servicing applied my payment to the P/Interest for the next month payment due XX/XX/21 Eventhough I noted on the payment is was a additional principal payment.I need them to apply the payment as I directed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TN

Complaint narrative:
Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$340.00} This is a complaint against the major credit bureaus ( XXXX and TransUnion ). The reporting of this account is not accurate and I have disputed this with the credit bureaus and directly with the collector and original creditor. I also don't understand how these two credit bureaus are still reporting this account when the other bureau which is XXXX has already deleted it because they couldn't verify the reporting of this account. 

I believe the FCRA and FTC give us the right to dispute the account if there are errors found. It really shouldn't take me this long to have this account removed if there are still inconsistencies and any information is far from the actual and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: MD

Complaint narrative:
I am identifying myself as a consumer. According to my consumer rights I am requesting debt validation of all of my all the student loans on my credit file. If the original contract with my wet signature is not provided then the accounts should be removed from my credit file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: MD

Complaint narrative:
I am identifying myself as a consumer. According to my consumer rights I am requesting debt validation of all of my all the student loans on my credit file. If the original contract with my wet signature is not provided then the accounts should be removed from my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am identifying myself as a consumer. According to my consumer rights I am requesting debt validation of all of my all the student loans on my credit file. If the original contract with my wet signature is not provided then the accounts should be removed from my credit file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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:
Late Payments Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$8700.00} Dates of Late : XX/XX/XXXX Account Name : XXXXXXXX Account Number : XXXX Balance : {$1600.00} Dates of Late : XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how I was late in those months. I know I have made those payments to you. I might have gotten my statements late during those months.. But I have always made my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
I called and sent in police report that my information was stolen and these items keeps coming up verified, of course it would they had my birth certificate, social security card, and ID. I asked for proof of a signed contract by me plenty of times but never got it! Please validate with a signed contract by me or delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: SC

Complaint narrative:
I have contacted Experian nine times ( 9 ) over the accuracy of information, third party XXXX XXXX and the Low Ball credit scores. I have repeated told Experian that I am NOT XXXX XXXX. Experian have repeatedly shown biasness in its assessment of information sharing. IT appears that Experian have not learned anything from its past Class Action Law Suit!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I paid off a {$230000.00} mortgage loan to Pennymac. Since XX/XX/XXXX, my mortgage had been in forbearance. The forbearance plan was to expire in XX/XX/XXXX. The loan was paid off before my forbearance expiration date and they have updated my credit in XXXX from 60 days late, starting in the beginning of the month, to now, with all 3 credit bureaus as 180 days late. All in XXXX single month. If I was 180 days late at any time, why is it in the remarks/ account status, but not reflected thru 6 months of late reporting to credit bureaus. The 180 days is only reported for XX/XX/XXXX. So what happened to the prior 5 months? I didnt know you could get marked 180 days late, for 1 month? It makes no sense! This is my second consumer complaint on Pennymac, since Ive been in forbearance. They are going to investigate this, and then proceed to lie, as they did previously. The have murdered my credit score, while in forbearance, but its like a scam. They report every month that you are late while in forbearance. The reporting, deducts from you credit score, but in the next month, these previous monthly marking disappear and appear to move to the next up coming month ( biggest scam ever )! So Pennymac is telling me, that maybe the late reporting may fall off my credit report in 2 months. What a joke!! So you mess up my credit score, mark me 6 months late in forbearance, all in one month, and you tell me, Lets hope it falls off in a couple months! I want my credit fixed now, right now. I will never return to this Mortgage Company EVER! Fix my credit please!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: NV

Complaint narrative:
I recently applied for a car loan and when I checked my credit report I realized I had a couple of fraudulent hard inquiries. Im have a membership with Experian so right away I was able to locked my credit report. I tried to dispute this fraudulent hard inquiries online but it wont let me. Please remove these fraudulent hard inquiries from my credit report. Thank you very much for your help! 

XXXX XX/XX/2021 XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXX/XX/2021

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 2021-09-14 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In reviewing accounts online XX/XX/XXXX, saw a fraudulent cash advance from my visa credit card to my checking account for XXXX and a cash advance fee of XXXX additionally unauthorized changes were made with signing my account up for bill pay and then sending XXXX bill pay checks, adding up to the XXXX ; all unauthorized transactions were on date XX/XX/XXXX. 
Called Wells Fargo on XX/XX/XXXX and filed claim on the phone, the rep had closed the checking account, issued stop payments on the bill pay checks but only froze the visa CC. Received Affidavit of Online Fraud form in the mail requested by Wells Fargo and was completed and faxed on XX/XX/XXXX. 
Received denial letter dated XX/XX/XXXX, informing me of the denial reason being the claim was filed past the 60 day window, using date XX/XX/XXXX as the start date. 
Called WF on XX/XX/XXXX regarding the denial letter and was informed of 2 authorized cash advance transactions, in the amounts of {$250.00}, posted on XX/XX/XXXX date and {$5.00}, posted on XX/XX/XXXX date. I explained I was not disputing those 2 transactions and being unknown as to why they were added since they are not related. WF rep confirmed receiving form that was faxed and stated to write a letter to WF explaining i was not disputing those 2 charges. 
Submitted clarification/dispute letter along with copy of Federal Trade Commission Identity theft report by fax on XX/XX/XXXX. 
Follow up letter dated XX/XX/XXXX informing me the case was still closed and that they were sticking to the original decision of my claim being denied.

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 2021-09-14 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: NC

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I paid off a {$230000.00} mortgage loan to XXXX. Since XX/XX/XXXX, my mortgage had been in forbearance. The forbearance plan was to expire in XX/XX/XXXX. The loan was paid off before my forbearance expiration date and they have updated my credit in XXXX from 60 days late, starting in the beginning of the month, to now, with all 3 credit bureaus as 180 days late. All in one single month. If I was 180 days late at any time, why is it in the remarks/ account status, but not reflected thru 6 months of late reporting to credit bureaus. The 180 days is only reported for XX/XX/XXXX. So what happened to the prior 5 months? I didnt know you could get marked 180 days late, for 1 month? It makes no sense! This is my second consumer complaint on XXXX, since Ive been in forbearance. They are going to investigate this, and then proceed to lie, as they did previously. The have murdered my credit score, while in forbearance, but its like a scam. They report every month that you are late while in forbearance. The reporting, deducts from you credit score, but in the next month, these previous monthly marking disappear and appear to move to the next up coming month ( biggest scam ever )! So XXXX is telling me, that maybe the late reporting may fall off my credit report in 2 months. What a joke!! So you mess up my credit score, mark me 6 months late in forbearance, all in one month, and you tell me, Lets hope it falls off in a couple months! I want my credit fixed now, right now. I will never return to this Mortgage Company EVER! Fix my credit please!

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 2021-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: GA

Complaint narrative:
I did a home improvement and it was financed through GreenSky. I have since learned that their practices in Georgia were illegal and that the loan which was approved in my living room and went directly to the merchant was an illegal practice. This loan originated in XXXX of XXXX  for the amount of {$15000.00}. The merchant was XXXX XXXX. According to your agency GreenSky was fined and ordered to repay customers. I believe I was also a victim of these illegal practices and want to find out if I have any recourse. 
Account XXXX XXXX XXXX

Company response to consumer: Closed with explanation