vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Monday XX/XX/2022 I mailed a XXXX letter requesting an incorrect account be removed from my report. On XX/XX/2022 I mailed a 30 day demand to comply. I did not receive any results until today XX/XX/2022. Clearly past the 30 day limit. I kindly ask that the incorrect account be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: MA

Complaint narrative:
Ive Been having an issue with XXXX, XXXX, and Experian updating my personal information. I have contact them on several occasions ( XX/XX/2022 ; ( XX/XX/2022 ) via certified mail and they have had blatant disregard to what i have asked. The only name that need to be on my consumer report is XXXX XXXX and the only address that needs to be reporting is XXXX XXXX XXXX XXXX, MA XXXX. Please remove all other names, addresses, and jobs as they do not belong to me or associated with me by any means. 

Also this is inaccurate accounts reporting on my consumer report and I'm requesting they send me a debt validation letter for the following accounts XXXX XXXXXXXX acct # XXXX XXXX acct # XXXX XXXX  ( Original Creditor : XXXX ) acct # 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 2022-08-02 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
i have called Apple Card over 8 times trying to resolve this matter. I even was about to start a Lawsuit against them but was told try this first I have a police report this is going to be attached about this account why its not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: CA

Complaint narrative:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a phone call from XXXX and he said that he was with Chase Fraud department and they were calling regarding a potential fraud charge on my account. He said it was for {$2200.00} from XXXX and it was being charged from NC. He told me the last four of my credit card account. I couldn't remember having a Chase card, so I went to login and I saw the account was closed and the last payment was XX/XX/XXXX. The scary part is he told me the exact amount of my last payment. He asked me if I had possession of my card and asked if I was the only authorized user. I told him I had to call my husband. He told me to call him back directly at XXXX extension XXXX, I thought he said his name was XXXX XXXX but it was garbled. I called Chase directly and confirmed my account was closed and they told me that is how scammers work and they would never call me from a local number. Chase told me to block the number and do not give the guy any more information. A few minutes after I hung up I got a call from XXXX and it was the same guy he asked if I spoke with my husband, I hung up on him and blocked him. he then called me from XXXX after I answered and heard his voice I hung up and blocked him. This happened today XX/XX/XXXX first call was at XXXX and was 8 minutes long, then XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: PA

Complaint narrative:
From a collection agency called XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX This showed up on my credit report dated XX/XX/XXXX, so let me clarify 1. This is with XXXX XXXX, not an actual debt it is with an educational institution that I have been disputing this since XXXX and XXXX. You can not attend XXXX unless your classes are paid for in advance. My XXXX  loans from fasa and Pell grant monies total XXXX. This supports this statement. 

2. This is the second collection agency they have hired again with the wrong information 3. You can not report a debt when it's money owed to an educational institution especially since it has been in the deferred time frame. 

4. I also spoke to XXXX, and XXXX again instead of doing their due diligence they just ask if this is correct and of course, the reply is always yes it is always the person putting in the information that has to do their own investigation and support it with documentation in with today knowing companies are fraudulent and abusing with business tactics like constantly selling debt to another collection agency with the wrong date and then it starts all over again. This should not be allowed because they had XXXX when it was XXXX as an example 5. No contact written or phone calls and I am listed and all over the internet and if calls were made, they left no name and a number that did not work, and all of this is saved in my phone records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I Spoke with the company regarding late payments and foreclosure on credit due to inability to find a place to live and getting denied automatically due to that. They said I would need to talk to one of the credit bureaus to get this removed. I submitted a dispute and information was not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: CA

Complaint narrative:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
INACCURATE NAME : XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX  XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am so feed up with trying to get this issue resolved 1 ) I attempted to make payments to the XXXX XXXX, which they refuse to cash. The first payment was returned to me right before I went on vacation for 3 weeks. The other two I don't know what the status is other then my bank has cut them a check and they still haven't cashed them but reported me to the credit bureau as delinquent and credit score when from exceptional to good in one day.

2 ) Never could get in touch with the anyone in XXXX XXXX, had to go the office manager at the XXXX XXXX XXXX, who also got the run around from XXXX  XXXX. Eventually the issue is that there was a digit missing from the account. Expressed my concerns and was told to file a dispute. I attempted to file on the website provided and the the site wouldn't accept my complaint. 
3 ) I cut a fourth check for the balance owed. 
4 ) I filed a complaint with XXXX, but have been unsuccessful to submit any supporting documentation. Called, the company and they said that it must me my cookies in my computer but try again. Which I have without success.

5 ) I find out that I now have to establish an account with all the other credit rating services that are out there and go through that process. I attempted to got to trans union 's website to file and it became very difficult and cumbersome.

Any assistance in getting this matter cleared up would be appreciated.

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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am so feed up with trying to get this issue resolved 1 ) I attempted to make payments to the XXXX XXXX, which they refuse to cash. The first payment was returned to me right before I went on vacation for XXXX weeks. The other two I don't know what the status is other then my bank has cut them a check and they still haven't cashed them but reported me to the credit bureau as delinquent and credit score when from exceptional to good in one day. 
2 ) Never could get in touch with the anyone in XXXX XXXX, had to go the office manager at the XXXX XXXX XXXX, who also got the run around from XXXX  XXXX. Eventually the issue is that there was a digit missing from the account. Expressed my concerns and was told to file a dispute. I attempted to file on the website provided and the the site wouldn't accept my complaint. 
3 ) I cut a fourth check for the balance owed. 
4 ) I filed a complaint with XXXX, but have been unsuccessful to submit any supporting documentation. Called, the company and they said that it must me my cookies in my computer but try again. Which I have without success. 
5 ) I find out that I now have to establish an account with all the other credit rating services that are out there and go through that process. I attempted to got to XXXX XXXXXXXX XXXX website to file and it became very difficult and cumbersome. 

Any assistance in getting this matter cleared up would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I moved into the XXXX XXXX sometime in XXXX of XXXX. I signed a lease. That following year, sometime after the pandemic hit, I was having financial difficulties and fell behind on my rent, in the amount of aprox XXXX. I was being threatened that I would be evicted. I reached out to several agencies to apply for help. One agency in particular said they would help. XXXX XXXX I let the property manager know. ( XXXX XXXX ) After the agency paid the balance on my behalf, I regained a positive rent balance. A year later, At one point, I was deciding on moving in with a family member to share the financial responsibilities. So I let the office manager ( XXXX XXXX ) know that I wasnt ready to sign a lease for another year just yet. So she started charging me a month to month rental amount, which was XXXX. Which also included a fee of an extra XXXX. In total that was a XXXX monthly rent amount for a one bedroom apartment. 
( And the complex had a bad roach  problem. ) Knowing that amount was too steep for me, I decided to go ahead and sign the new lease. This is where the drama started. I let XXXX know I was ready to sign the lease, she said she would put it in my door ( as she did with all paperwork ) and for me to sign and bring back to the office. She never put it in my door. I emailed her several times about the lease, stopped by the office to sign the lease to no avail, she wasnt there. Never received the lease. She continued to charge me the XXXX a month amount. So I fell behind on the rent. But not the amount she is claiming and reported to the company who reported to my credit report. I reached out to XXXX again. I contacted XXXX numerous of times by phone / email and stopping by the office to get the new lease and also get the correct amount that I owe so I could pay. ( I have proof ) She just kept saying that the agency would pay it, dont worry about it. So, the agency, indeed was going to pay it. But XXXX didnt send in the paperwork needed for them to pay it. And also some paperwork she sent in didnt have my name on it, ( I have proof ) so the company denied my request for help. So, she would never give me the correct amount, never would give me the new lease to sign and she kept overcharging me that ridiculous XXXX a month. I decided to move, I was afraid of being evicted. I moved out in XX/XX/XXXX. She was XXXX that I moved and reported a bogus amount that I owed ( over XXXX dollars ) to this collections company, who then reported to my credit report. Causing me to be XXXX. I believe she price gauged my rent in attempt for me to get the agency to pay it so she could pocket some of the money. Thats why she was XXXX when I moved, because her plan didnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: HOMEOWNERS FINANCIAL GROUP USA
State: SC

Complaint narrative:
On XX/XX/2022, I applied for an extension of credit with HOMEOWNERS FINANCIAL and a few days later I received an adverse action letter stating that I was denied. I called the company on today of XX/XX/2022 asking what laws and procedures were used to come to this determination and I was told they had a the right to deny me of my credit and that it is company policy. 

I want to be provided with the exact subsections that was used so I can study this for myself. I am requesting to be provided what laws I have to abide by the credit score and that this private transaction needs to be reported. 

The account is negatively affecting my credit score on my XXXX account The CFPB states that credit reporting is optional. 

Company procedures do not supersede federal law and this is a direct violation of my rights as a consumer. 15 USC 1602F states that credit is my right and I can not be denied a right. 15USC 1602P makes it clear that you used my credit card without authority and I received no benefit. This is clearly discrimination as usc 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against. I am holding you all liable now as you are acting as an authorized representative. I am willing to terminate further actions if your company does the right thing and reverse this decision. Thank you.

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 2022-08-02 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: CA

Complaint narrative:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, CA XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00}

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 2022-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I XXXX XXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and any extension of credit with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that Barclays Bank Delaware is attempting to collect a debt from I the consumer makes Barclays Bank Delaware guilty and in violation of the ( FCA ) False Claims Act 31 U.S.C 3729-3733.

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 2022-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Latest communication : XXXX ( alleged manager ) XX/XX/XXXX Confirmation # XXXX Citizens Bank XXXX XXXX XXXX, XXXX, RI XXXX I have been paying on an auto loan since XX/XX/XXXX. Payment is due the XXXX of the month. I receive a pension on the XXXX and pay via the bank website because mailing takes too long. Because the XXXX does not fall on the same day I do not use autopay. My payments are within the 10-day grace period. The bank will not adjust the due date past the XXXX. 
Suddenly this past XX/XX/XXXX my account could not be found and the XXXX payment " was removed from your account '' according to a letter from XXXX XXXX, senior v. p. president, head of Loan and Specialty Operations. ( one of two such letters is attached ). 

On XX/XX/XXXX I made a live call to customer support to make good on the XXXX payment. One digit on my checking account of record was missing. Why? This was allegedly fixed. The account was allegedly on target. 
A second no account found and removed payment letter arrived. Another live call XX/XX/XXXX logged the usual end of month logged the XXXX payment. The account number was correct. 
The XX/XX/XXXX payment was reversed and a fee added. Then on XX/XX/XXXX an automated payment came out of my bank account. I have no automatic payment set up. 
XXXX, the manager referenced above told me on a recorded line that obviously my payments have been being made. She apologized. She said she would request the fee structure ( now setr at {$190.00}!! ) be erased but she didn't have the authority. She said all I owe now is the regular XXXX payment plus one other. She said she removed the automatic payment.

I have heard nothing since. I have been working on my credit rating for more than two years following an extreme life threatening XXXX XXXX and financial reversals. I am XXXX XXXX XXXX. My credit rating took a XXXX point hit because of Citizens mysterious inability to keep an account number stable. Despite acceptance to credit offers last year I was quickly refused a XXXX loan to pay off this nearly 4 year-old car loan. Totally unacceptable and unforgiveable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: Aqua Finance, Inc.
State: FL

Complaint narrative:
Checked my credit and a so called Aqua Finance was shown as a hard pull on XX/XX/XXXX. My husband or I are unaware of where that came from. Neither of us have bought or tried to qualify for an " aqua product ''

Company response to consumer: Closed with explanation