vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 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: GA

Complaint narrative:
Equifax is reporting one of my installment loans twice. They only one of the 3 credit reporting agencies that is reporting this same loan 2x. I asked them to correct my credit report and they have not. I opened a loan with XXXX Bank on XX/XX/2021. It shows all payments made on time. The exact same loan appears on Equifax a 2nd time also showing opened XX/XX/2021 shows having no payment history but current. By them reporting this loan twice it is effecting my credit score making it seem I have more debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: ECMC GROUP, INC.
State: OK

Complaint narrative:
I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : XXXX XXXXXXXX Account Number : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 

2. The date of last activity you are reporting for the below accounts dont match my records. 

3. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. 

4. No High Credit limit is reporting on XXXX. 

The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.

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 2021-08-17 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: U.S. BANCORP
State: PA

Complaint narrative:
I received a letter stating I had an account ending in XXXX with U.S. Bank ReliaCard. I do not have and did not open this account. The letter stated the transaction limits were changed.

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 2021-08-17 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request 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 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was opened a XXXX  credit card with Citibank, and they closed my account today due to returned payment as I didnt missing any payment, my next due day is not coming yet.also they was never created those payments on my account but when the payment was returned, they add those amounts to my balance.All of that with no notice to me, also I didnt have access to the account a week ago due to some security reasons, at that time they was told me, thats only option for access to the account is sending me a letter, its takes 7-10 business days to arrive my address, so I never received that letter as today.now they said the account can not reopen.

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 2021-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
FedLoan is the current servicer for my federal student loans. I have been enrolled in the Public Service Loan Forgiveness program since XXXX. Each year I had to call and re-certify for the program and each year I was assured that I was enrolled in the PSLF program and was on track to have my loans forgiven. I have worked in local and state government since XXXX. I have been in active repayment most of this time. The only time I was not in active payment was temporarily in XXXX and again in XXXX when I was in forbearance due to maternity leave. Once I returned to work, my forbearance ended and I resumed payment. I became a single parent with XXXX young children in XXXX and was placed in an income based re-payment plan with Fed-Loan. I was told by their representative each year when I recertified that I was indeed in the correct program and on track for loan forgiveness. Beginning in XXXX I started applying for PSLF and was denied loan forgiveness. I have applied many times over the past 4 years! I am told that I have only 14 total payments that qualify under the PSLF program. This is completely contrary to what I have been told by FedLoan for the past XX/XX/XXXX years! I have asked for a printout of all my recorded payments since XXXX and I have been denied that information by FedLoan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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:
XX/XX/2019 amount claim I owe is {$1700.00}. 
I have filed cfpb and reported them to the XXXX.I have filed a identity fraud affidavit, still nothing in return. 
XXXX XXXX has responded and admitted this is fraud on my account.I have attached this letter. XXXX and Equifax are not removing this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America reported a late payment on XXXX, 2017. I was put in this position because of BofA. BofA website itself doesnt have an easy mechanism for setting up autopay. Their agents on phone setup a recurring payment which isnt based on the statement balance and the way they set it up it deducts money even if there is no balance on the account. It is for this reason that I had to remove a previously setup autopay. During XXXX, 2017 I was traveling out of the country and didnt have access to internet and missed paying the amount. Recently, when I enquired about the credit report, their rude staff told me that I had refused autopay in the past so they wouldnt delete the report. After that call, I had called again to setup autopay and I wasnt able to, the agent on the phone directed me to webpage and what was shown there and what I was seeing on my phone was different. After probably a few more calls, an agent walked me through setting up autopay on my account. Firstly, for some weird reason I had to give access to the bank, to access my statements and then I think I had turn off paper statements and only then I was able to setup autopay. No other credit card provider has such contrived illogical process of setting up autopay. It appears that it is a deliberate attempt from BofA to trouble its customers and inflict damaging credit reporting. My credit card number is XXXX XXXX XXXX XXXX. 

Even today after autopay had been setup by the agent on the phone, the bank continues to pull money even if there is no balance on my account.

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 2021-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DFC Global Corp.
State: AZ

Complaint narrative:
This was a payday account with money mart, a debt collector XXXXXXXX XXXX XXXXXXXX XXXX reported the negative item on XX/XX/2021. They had bought off payday loan debt from money mart and now has reported it to the credit breaus as a negative item in which they have no identification or verification that I signed ( wet signature ) and owe them this debt that was sold to them because I never had a contract with XXXXXXXX XXXX XXXXXXXX XXXX. This should be remove/dispute off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: OK

Complaint narrative:
I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, Equifax, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 

2. The date of last activity you are reporting for the below accounts dont match my records.

3. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. 

4. XXXX XXXX XXXX limit is reporting on XXXX. 

The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2019 amount claim I owe is {$1700.00}. 
I have filed cfpb and reported them to the XXXX.I have filed a identity fraud affidavit, still nothing in return. 
XXXX XXXX  has responded and admitted this is fraud on my account.I have attached this letter. Experian and XXXX  are not removing this from 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 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: KY

Complaint narrative:
Around XXXX I purchased a timeshare at XXXX XXXX XXXX XXXX XXXX XXXX owned/managed by XXXX XXXX. In or around XXXX I was in financial ruins and unable to pay maintenance fees for this timeshare. Sometime following that I do not have any idea exactly, approx XXXX, I received notice of default on my timeshare and it would be reacquired if I did not pay the past due maintenance fees. That was the last time I had any contact regarding this matter. In XXXX this year I received a letter demanding {$2800.00} for unpaid maintenance fees from XXXX XXXX. I immediately called on XX/XX/XXXX at XXXX XXXX  and spoke to person there and explained my position on the claim fees due. He did confirm where he saw that there was some docs related to XXXX reacquiring my timeshare week. I was told the company had been taken over and records were incomplete, they would have someone call me. Never happened then I receive notice from a collection agency Meridian Financial demanding payment. I contacted the collection and again explained I was under the impression I was not the owner anymore and have not been for years. Then around the second of XXXX it was reported as not one balance but as 6 different entries with the same dates. I also informed collection agency I had retained an attorney to dispute and gave them his name and phone number

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 2021-08-17 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: Lending Club Corp
State: OK

Complaint narrative:
I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : XXXX  Account Number : XXXX Account Name : Lending Club Corp Account Number : XXXX XXXX. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 

2. The date of last activity you are reporting for the below accounts dont match. 


The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
We had taken a loan for a XXXX issue at XXXX office for treatment. At the time of opening the account, no information was provided with regard to the account number, monthly payment amount due etc. And we also didnt receive any information via mail. 

By them the first mail arrived, a late fee had already been assessed, we tried reaching out to the bank but they refuse to accept their mistake. I strongly believe that no party is at fault here but myself as the consumer is facing a remark on the credit report. They are using their undue influence to affect my life negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC
State: GA

Complaint narrative:
I have attempted to negotiate a final payment to settle XXXX debt with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX. The collector added additional Interest, collection cost and fees to the passed due balance. Do the collector have the authority to add additional fees after receiving the closing statements from the original company. Is this considered unfair business practice by the collectors?

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 2021-08-17 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: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
I paid Lexington law firm to repair credit monthly and disputed all with all credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax criminally and civilly injured me as a result of their reckless and criminal leak of data in XX/XX/2017. They caused me and my children severe harm and near XXXX during the pandemic as a result of their criminal negligence. 
I have had to place a freeze on my credit because of their criminal negligence and removing that freeze temporarily is XXXXMPOSSIBLE. They refuse to allow me to process this online as was the case today and require me to call XXXX. When I call I get jerked around for an extended period of time, most of the times, as today, I answer a series of questions, their phone system does not work and does not register my responses and I spend all this time only to then be kicked off the system due to unusually high call volumes or we are closed. The fact that our government and this agency still allows Equifax to operate is beyond ridiculous, they XXXX up and then prevent people from being able to rent or buy homes due to their recklessness and lack of accessibility to service the customer. I am able to lift security freezes from other credit bureaus in seconds, with Equifax it usually requires several days, several calls, several agents who barely speak XXXX and a phone system that appears to be designed not to work. What are you people doing? I know I cant be the only person lodging these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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:
I have contacted all three Credit Bureaus/Agencies ( XXXX, XXXX, TransUnion ) and the Creditors ( XXXX XXXX, Tn Child Support, XXXX, XXXX XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX XXXX, Tn Child Support, XXXX, XXXX XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation