vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 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: AL

Complaint narrative:
on XX/XX/2021 I made a call to XXXX XXXX XXXX and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. XXXX placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to XXXX financial the communication between the two were lost. I was received 2 different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX XXXX XXXX and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: AL

Complaint narrative:
on XX/XX/2021 I made a call to XXXX XXXX XXXX and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. XXXX placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to XXXX financial the communication between the two were lost. I was received 2 different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX a house and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.

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 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
noticed fraudulent inquiries placed on my credit. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Over the past 2 years I have submitted disputes to the organization and the credit bureau for reporting inaccurate information. Credit Acceptance continued to report inaccurate information to all 3 the credit buraus. After each dispute Credit Acceptance would come back and say the information they are reporting was accurate. In XXXX, XXXX deleted the account after a dispute due to the continuous inaccurate reporting from Credit Acceptance. I grew so tired of the back and forth between Credit Acceptance, and the credit bureaus I paid the car off early in XX/XX/XXXX and the account was closed. 
Today XX/XX/XXXX. I get a letter from XXXX indicating that Credit Acceptance requested to have the account reinserted into my credit XX/XX/XXXX. The account was reinserted as an open account with a {$5900.00} balance. My XXXX credit score took a hit for the reinsertion of an account with debt I don't actually owe.

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 2022-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
There are 2 Collection Accounts on my Credit Report from XXXX XXXX and XXXX XXXX. They are not valid. They XXXX XXXX XXXX XXXX had approved disputed charges with XXXX. These are the amounts in question- and they were approved disputes. This has nothing to do with XXXX who harasses me via phone with blocked numbers every single weekday. I have had to change my phone numbers 5 times. Further they not only threatened me, but they ruined my credit without me even knowing how they were at first. They violated 4 Hawaii laws as they do not have business even contacting me while I was in Hawaii, and violated Utah law too as they aren't a registered entity here either. Yet they continue to Park Debt despite the FTC lawsuit on my Credit Files with all the major bureaus. It was only after reporting to XXXX that they sent me 5 statements that are way after I stopped my relationship with XXXX XXXX. they don't know the history and the Credit Bureaus side with them because their client is XXXX XXXX and all three Bureaus get money from marketing with XXXX XXXX so they ignore the consumer and allow XXXX to fraudulently park this debt that is not mine on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 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: EQUIFAX, INC.
State: UT

Complaint narrative:
There are XXXX Collection Accounts on my Credit Report from XXXX XXXX and XXXX XXXX. They are not valid. They XXXX XXXX XXXX XXXX had approved disputed charges with XXXX. These are the amounts in question- and they were approved disputes. This has nothing to do with XXXX who harasses me via phone with blocked numbers every single weekday. I have had to change my phone numbers 5 times. Further they not only threatened me, but they ruined my credit without me even knowing how they were at first. They violated 4 Hawaii laws as they do not have business even contacting me while I was in Hawaii, and violated Utah law too as they aren't a registered entity here either. Yet they continue to Park Debt despite the FTC lawsuit on my Credit Files with all the major bureaus. It was only after reporting to XXXX that they sent me 5 statements that are way after I stopped my relationship with XXXX XXXX. they don't know the history and the Credit Bureaus side with them because their client is XXXX XXXX and all three Bureaus get money from marketing with XXXX XXXX so they ignore the consumer and allow XXXX to fraudulently park this debt that is not mine on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Today at XXXX XXXX I called Chase Bank to update my information so I can access my online banking. When I spoke to the second rep my password was changed and I lost all access to my online banking. I have 3 accounts with chase bank. One ending XXXX, XXXX ( e.i.n ) and an additional account which was closed without my permission and was in good standing. They have been deleting transactions and they have been money in my account like stimulus checks which I never received. I have been XXXX and my identity have been stolen which I have a police report number Report number XXXX XXXX XXXX. I will like full access to my account which I was denied since XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had someone, whom I do not know XXXX ( 2 ) payments to this unknown person, XXXX for {$300.00} and another for {$400.00} on the same day ( XX/XX/XXXX ). The last attempt was for {$420.00}, but Chase Bank stopped that one, thankfully. They text me while I was driving, but could not reach anyone soon enough to find out what the problem was. I put in a claim to the fraud department only for them to come back and say they were authorized by me. I have had numerous fraud problems in other areas of my account and had to close out my credit card with them many times. I should not be responsible for these transfers. Why did they stop the last one for {$420.00}, I guess they figured something nefarious was going on. I have changed my passwords and user ID several times, delete anything to do with XXXX and deleted my mobile app. No one but me has access to my banking nor my phone, it was hacked, obviously. Hope you can help. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: SC

Complaint narrative:
I have inquiries on my credit report that I have no knowledge of and I have inquiries on my credit report that were done without permissible purpose 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 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 2022-03-19 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: SC

Complaint narrative:
I have inquiries on my credit report that I have no knowledge of and I have inquiries on my credit report that were done without permissible purpose 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 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 explanation
Consumer complaint received 2022-03-19 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: MD

Complaint narrative:
My identity has been stolen and use in another state. I got a few phone calls last week from collectors asking for a large sum of money. They asked me to verify a few small details and discovered the account did not belong to me. I have included all false accounts in report. listed below is all the names and addresses used on my credit report that do not belong to me XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX XXXX XXXX XXXX XXXX, sc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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:
My identity has been stolen and use in another state. I got a few phone calls last week from collectors asking for a large sum of money. They asked me to verify a few small details and discovered the account did not belong to me. I have included all false accounts in report. listed below is all the names and addresses used on my credit report that do not belong to me XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX XXXX XXXX XXXX XXXX, sc 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 2022-03-19 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: MO

Complaint narrative:
Wrong personal information on my credit 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 2022-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I have always made an effort to pay my mortgage on time. I have a FHA mortgage that I signed on XXXX of XXXX. Starting on XX/XX/XXXX I was placed on a non-paid medical leave. I immediately enrolled in my mortgage companies ' Wells Fargo Covid Payment Extension/Home Preservation Program . They provide forbearance for Covid-related medical financial hardships. I qualified. 

On XX/XX/XXXX I applied for the US Treasury funded/ Homeowner 's Assistance Program/RI Housing program to help me with my mortgage. I submitted my tax returns from XXXX and XXXX and I had no recent paystubs to submit because I've had no income since XX/XX/XXXX due to non-paid medical leave from work. As of yet I am still not back to work and my doctor has not released me to return to work. 

My complaint is that the US Treasury has funded RI Housing and Wells Fargo with this program for people just like me and want them to use the funds to please help me to bring my mortgage up to date. That has not happened. RI Housing is claiming that my application to the Homeowner Assistance Fund is being held up by Wells Fargo since XX/XX/XXXX when they tried to contact them. But Wells Fargo mortgage, on the other hand is saying, that as of XX/XX/XXXX no one from RI Housing XXXXXXXX has tried to contact them in regards to my Homeowner Assistance Fund application that I completed on XX/XX/XXXX through RI Housing  online application portal ( see documents attached below for proof ). 

As a result of this tug of war between RI Housing and Wells Fargo the Homeowner Assistance Fund in my state is running low and I may not reap the benefits of the program. The program is meant to target people exactly like me ( low-income Afro-latina homeowners ).

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 2022-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My identity has been stolen and use in another state. I got a few phone calls last week from collectors asking for a large sum of money. They asked me to verify a few small details and discovered the account did not belong to me. I have included all false accounts in report. listed below is all the names and addresses used on my credit report that do not belong to me XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX XXXX XXXX XXXX XXXX, sc 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 2022-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
So, not too long ago I had a chance to pull a full credit analysis to do a check in on my credit and the only reason that I'm just now taking action is due to my address and number not being updated due to me relocating and the credit bureaus not properly making the change in time. When I did look at my report, to my surprise, I noticed I had 3 collection accounts from some company I've never heard of called XXXX Paragon Revenue Group that was opened in XX/XX/2021 for {$2000.00}, {$740.00}, & {$220.00} with the last balance update of XXXX that I do NOT recall and am not liable for. That's a total of {$2900.00} from a company I don't know or have never signed any agreement or contract with. I've NEVER received any notice pertaining to this alleged debt or that it was even reported and added to my credit. I never entered into any signed agreement or completed an original contract with them for this alleged debt. This situation is fraudulent and is a violation of my rights. This inaccurate collection is NOT mine and is doing nothing, but negatively impacting my credit score. I've filed a complaint with the XXXX  and have also mailed in documents asking them to validate debt and have no received a response, they also said they would remove their accounts from collections and they're still reporting to my credit report and affecting it negatively. My last resort if this can not be solved or fixed is to take legal action and speak with the attorney general and take it to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-20 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-19 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I left my company 's employment in XX/XX/XXXX. At that time, my company supposedly deleted my name from the corporation and accordingly, from the corporate account with the American Express Company ( card # XXXX XXXX ). I was contacted by the AMEX in XXXX of XXXX, saying that the account was in arrears for 120 days. I explained that I was retired from the company on XX/XX/XXXX and had no idea that my name was still on the account or who made the charges that appeared on the bills. After some research, I was able to give them updated information on the persons now responsible for the debt. I was informed by AMEX that they could not by law, contact the corporation. I then learned that the account was canceled as was my personal AMEX card. I had been a personal cardholder since XXXX and never missed a payment, but they still questioned my veracity in the matter. After several phone calls to AMEX, I could not make any progress. In the mean time, AMEX reported the account to several credit score companies, which resulted in my credit score going down an average of XXXX points. I have submitted complaints to XXXX and XXXX XXXX, but there efforts have been feeble and ineffective. I seek to have my credit score restored and for AMEX to rescind their derogatory remarks no on my credit report.

Company response to consumer: Closed with explanation