vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 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: I.C. System, Inc.
State: AL

Complaint narrative:
XX/XX/2019 - I got a alert from one of my Credit monitoring services about my Credit file/score changing .Upon doing my research and looking at my credit files - I noticed my score dropped tremendously from a account I had not recollection of ( IC systems ) .. I called IC systems several times on XX/XX/XXXX and got no answer. Got a alert XX/XX/XXXX from the same credit monitoring service that my score has been compromised again - guess by who?? IC Systems reported this account 4 or 5 times in one month and thats not legal.. A different date and No validation of debt or nothing is not right .. I need answers!!! And I need them now!!!!

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 2020-08-06 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: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/2020 2 certified letters were mailed to LexisNexis asking them to verify the information which is located in my file they maintain under my consumer report. I received a letter dated XX/XX/2020 stating that the information they verified was correct. However I mailed a letter to the Office of XXXX XXXX county clerks office of XXXX county asking them if they verify tax liens with consumer or credit reporting agencies and the letter states no they do not report, validate, or confirm tax lien fillings or records to the credit bureaus. Yet and still LexisNexis continues to report the tax lien in the consumer report listed under my consumer number. I have provided copy of the letter in which was sent to me from the County clerks office, the same letter which was mailed to Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC BANK will not let me add money from my bank account to my XXXX account. 

That is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XXXX J.P. Chase Morgan Bank Private Client mortgage including escrow and other promised securities violations Predatory lending, tampering with safety deposit box and contents, illegal foreclosure ( owner is protected active military  XXXX XXXX  ) deceased ... unlawful possession, intimidation, multiple city and health code violations that were never inspected, property or condition before lending was completely undisclosed during sale or transfer! BLACK MOLD TOXICITY ... .WRONGFUL DEATH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Kentucky XXXX Umbrella policy New deed filed XX/XX/2019 New deed filed XX/XX/2019 XXXX I can get no information on this new deed II could not file a complaint then With the insurance provider agent I have been rejected and disregarded For a very long time I am XXXX  XXXX and separated from my children due to the lack of paid services that were insured to me as a named member on the umbrella policy I can give you more details but I dont know exactly what Else to do right now! Im ready to give up XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
This complaint is regarding TransUnion 's investigation to correct inaccurate information on my consumer credit report for my XXXX  XXXX  ( mortgage account ) as follows : In " PAYMENT HISTORY '' Section - shows for XXXX, XXXX, XXXX, XXXX and XX/XX/2020 as " UNKNOWN '' and TransUnion has not corrected this error by failing to report these payments were in fact made for these months. 

I am disputing the above because our mortgage servicer, XXXX, failed to report payments made for XXXX, XXXX, XXXX, XXXX and XX/XX/2020, when our Account was NEVER in forbearance. ( Note : As of XX/XX/2020, TransUnion has updated and corrected my credit report by removing the forbearance off this account ). 

ALL PAYMENTS WERE TIMELY MADE TO XXXX, INCLUDING XXXX, XXXX, XXXX, XXXX AND XX/XX/2020 ( Please see attached Loancare Billing Statements for XXXX, XXXX, XXXX, XX/XX/2020 and XXXX Payment History Report for XX/XX/2020 payment ). 

THEREFORE, I AM DEMANDING THAT TRANSUNION CORRECT THEIR ERROR ON MY XXXX  ACCOUNT AS FOLLOWS : IN PAYMENT HISTORY SECTION REMOVE UNKNOWN FOR XXXX & XXXX AND REPORT PAYMENTS MADE FOR XXXX, XXXX, XXXX, XXXX AND XX/XX/2020. SINCE THESE PAYMENTS WERE MADE TO XXXX, TRANSUNION IS REQUIRED TO REPORT THIS ON MY CREDIT HISTORY FOR THIS ACCOUNT ( please see attached XXXX  Billing Statements for XXXX, XXXX, XXXX, XX/XX/2020 and XXXX  Payment History Report for XX/XX/2020 payment ). 

Please See the Following Attached Supporting Documents : 1 ) TransUnion Credit Report After Dispute Dated XXXX XXXX ) XXXX  Account - Payment History Report XXXX 3 ) XXXX  Account Billing Statement for XX/XX/2020 XXXX ) XXXX  Account Billing Statement for XX/XX/2020 5 ) XXXX  Account Billing Statement for XX/XX/2020 6 ) XXXX  Account Billing Statement for XX/XX/2020 WE ARE CURRENTLY TRYING TO REFINANCE OUR VA HOME MORTGAGE WITH OTHER LENDERS AND WE ARE UNABLE TO DO SO BECAUSE OUR XXXX  ACCOUNT HAS FAILED TO REPORT PAYMENTS MADE FOR XXXX, XXXX, XXXX AND XX/XX/2020, WHICH NEGATIVELY IMPACTS OUR CREDIT PAYMENT HISTORY. WE ARE DEMANDING THAT TRANSUNION IMMEDIATELY CORRECT THE ABOVE ERROR AS THIS IS PREVENTING US FROM WORKING WITH ANY LENDERS.

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 2020-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAVE BEEN CONTINUOUSLY DAMAGING MY CREDIT AND THOSE INFORMATION HAS BEEN REPORTING INACCURATELY. I AM IN DISTRESSED BECAUSE I HAVE BEEN PLEADING TO HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE. THOSE ARE NOT LIABLE TO ME AND THEY HAVE BEEN REPORTING FALSE TRANSACTIONS THAT WERE NOT MADE BY ME. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS LISTED ON THE ATTACHED REPORT REMOVE AS SOON AS POSSIBLE. 

THOSE DEROGATORY ARE PREVENTING ME FROM CLOSING ON A REAL ESTATE DEAL DUE TO THE FALSE ENTRY THAT HAVE BEEN PLACED 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 explanation
Consumer complaint received 2020-08-06 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:
I file a complaint against Equifax each time fraud is put on that belongs to someone with the same name or my family member. I am so tired of this. Now, your company has put XXXX XXXX XXXX on my credit file. My car is financed through my credit union. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Confirmation Number XXXX I am writing to dispute the following data in my credit file. I have listed all XXXX XXXX XXXX above. It is a letter meant to bring unnoticed mistakes to Equifax 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. 

I have severe problems with XXXX XXXX XXXX! These kinds of companies are probably responsible for different breaches at Equifax. My credit file was a breach was years ago without any compensation. I completed all the appropriate I am still trying to get my V. A. Loan that I have rightly earned. 

Please delete these as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? Why should my family continue to stay in a hotel since I can not obtain a loan? Why has this been going on for nearly two years? Why will Equifax not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Americans, particularly my XXXX I am begging to have XXXX XXXX XXXX removed, and let me XXXX? 

Could you all show XXXX 's kindness to Veteran who risked his life in fighting for a country I love dearly? Equifax could make this right in a matter of minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: FL

Complaint narrative:
I FILED BANKRUPTCY AND INCLUDED THEM IN IT AND XXXX   XXXX & THE COLLECTION COMPANY THEY SENT IT TO XXXX   XXXX  & XXXX which reports this as an open colllection on my credit reports, i have written them and disputed it several times, but the collection company has not removed this item and wont stop reporting adverse items on my credit reports {$4800.00} FROM THE XXXX XXXX XXXX XXXX XXXX XXXX I hired an attorney as well but nothing has happened yet

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 2020-08-06 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: NY

Complaint narrative:
After consulting with my attorney XXXX XXXX of XXXX XXXX XXXX XXXX, I was advised to complain through this medium. I am a victim of identity theft. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to provide proof of account ownership. These accounts were opened by a family member who stole my identity. I had PERFECT credit up until when these accounts were illegally opened. 

Account Name Balance Owed Date Opened 1. XXXX/XXXX  {$490.00} XX/XX/XXXX 2.  XXXX XXXX {$1000.00} XX/XX/XXXX 3. XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 4.  XXXX XXXX XXXX {$790.00} XX/XX/XXXX 5. XXXX XXXX {$1100.00} XX/XX/XXXX 6. XXXX XXXX {$570.00} XX/XX/XXXX XXXX. XXXX XXXX   {$0.00} XX/XX/XXXX 8. XXXX XXXX {$20000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAVE BEEN CONTINUOUSLY DAMAGING MY CREDIT AND THOSE INFORMATION HAS BEEN REPORTING INACCURATELY. I AM IN DISTRESSED BECAUSE I HAVE BEEN PLEADING TO HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE. THOSE ARE NOT LIABLE TO ME AND THEY HAVE BEEN REPORTING FALSE TRANSACTIONS THAT WERE NOT MADE BY ME. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS LISTED ON THE ATTACHED REPORT REMOVE AS SOON AS POSSIBLE. 

THOSE DEROGATORY ARE PREVENTING ME FROM CLOSING ON A REAL ESTATE DEAL DUE TO THE FALSE ENTRY THAT HAVE BEEN PLACED 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 explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCSPLUS INCORPORATED
State: NY

Complaint narrative:
I owed XXXX around $ XXXX after graduating. After graduating, an agency called the " National Credit Systems '' hit my credit, claiming that I owed them $ XXXX. I never received any notice from NCS, but I did receive a call from XXXX XXXX XXXX, who I am currently paying my debt through. XXXX Bursars office has confirmed that XXXX is the correct agency. I tried calling NCS to ask why they were hitting my credit for a debt that is not owed to them, via a contract that does not exist between them and XXXX. The person on the line was incredibly rude, intentionally vague, and would not tell me why they claimed debt against my credit. I mentioned that XXXX confirmed XXXX was the correct agency and that NCS was not, and the representative hung up on me. I've submitted a claim via XXXX, but I'd like to report predatory practices here as well. There are many young recent grads who are in the dark about how debt is bought and sold. Based on a conversation with an NCS rep and due to the fact that I still have their company 's fake balance impacting my credit, I have reason to believe they are intentionally preying on recent grads.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was given a summons for a debt that is past the statute of limitations and now being sued without knowledge that I was or could have been sued. I had already set up a payment plan and got served papers. Now I am feeling threatened and worried that my life and children 's will be ruined because of this. I am on a fixed income and do not know how I will afford any of this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS HAVE BEEN REPORTING NEGATIVELY AND INACCURATELY ON MY CREDIT REPORT. THOSE ACCOUNTS HAVE BEEN DISPLAYING FALSE TRANSACTIONS NOT MADE BY ME. THESE ACCCOUNTS ARE NOT LIABLE TO ME AND I WAS UNAWARE THAT THEY WERE REPORTING ON MY CREDIT FILE UNTIL I STARTED MONITORING MY CREDIT FREQUENTLY. PLEASE REMOVE ALL THE DISPUTED ACCOUNTS THAT HAVE BEEN CAUSING SERIOUS HARM TO 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 2020-08-06 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: NY

Complaint narrative:
After consulting with my attorney XXXX XXXX of XXXX XXXX XXXX XXXX, I was advised to complain through this medium. I am a victim of identity theft. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to provide proof of account ownership. These accounts were opened by a family member who stole my identity. I had PERFECT credit up until when these accounts were illegally opened.

Account Name Balance Owed Date Opened 1. XXXX/XXXX {$490.00} XX/XX/XXXX 2. XXXX XXXX {$1000.00} XX/XX/XXXX 3. XXXX XXXX XXXX {$0.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$790.00} XX/XX/XXXX 5. XXXX XXXX {$1100.00} XX/XX/XXXX 6. XXXX XXXX {$570.00} XX/XX/XXXX 7. XXXX/XXXX XXXX {$0.00} XX/XX/XXXX 8. XXXX XXXX {$20000.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: NY

Complaint narrative:
After consulting with my attorney XXXX XXXX of XXXX XXXX XXXX XXXX, I was advised to complain through this medium. I am a victim of identity theft. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to provide proof of account ownership. These accounts were opened by a family member who stole my identity. I had PERFECT credit up until when these accounts were illegally opened. 

Account Name Balance Owed Date Opened 1. XXXX {$490.00} XX/XX/XXXX 2. XXXX XXXX {$1000.00} XX/XX/XXXX 3. XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$790.00} XX/XX/XXXX 5. XXXX XXXX {$1100.00} XX/XX/XXXX 6. XXXX XXXX {$570.00} XX/XX/XXXX 7.  XXXXXXXX XXXX {$0.00} XX/XX/XXXX 8. XXXX XXXX {$20000.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I I have notified them and XXXX showed a signed letter from the company they're trying to collect for that states I don't have any kind of balance with them and they still keep trying to get me to pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
XX/XX/2020 CFPB, PLEASE HELP! 

Experian is not helping me with dispute requests on my credit profile they have complied against me. They continue to ignore my complaints that I continue to send to them directly or indirectly. 

1 ) XX/XX/2020 Experian mailed in dispute was IGNORED ( certified mail no. XXXX ) 2 ) XX/XX/2020 CFBP Compliant submitted and CLOSED by Experian with no action taken ( no. XXXX ) 3 ) XX/XX/2020 CFBP Compliant submitted and CLOSED by Experian with no action taken ( no. XXXX ) 4 ) XX/XX/2020 CFBP Compliant submitted and CLOSED by Experian with no action taken ( no. XXXX ) 5 ) XX/XX/2020 NEW TODAY - COMPLAINT SUBMITTED VIA CFPB PORTAL ( complaint no. PENDING ) New action will be taken against Experian if they continue to ignore my complaints. 

Thank you, 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 2020-08-06 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS HAVE BEEN REPORTING NEGATIVELY AND INACCURATELY ON MY CREDIT REPORT. THOSE ACCOUNTS HAVE BEEN DISPLAYING FALSE TRANSACTIONS NOT MADE BY ME. THESE ACCCOUNTS ARE NOT LIABLE TO ME AND I WAS UNAWARE THAT THEY WERE REPORTING ON MY CREDIT FILE UNTIL I STARTED MONITORING MY CREDIT FREQUENTLY. PLEASE REMOVE ALL THE DISPUTED ACCOUNTS THAT HAVE BEEN CAUSING SERIOUS HARM TO MY CREDIT FILE.

Company response to consumer: Closed with explanation