vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX XXXX reporting inaccurate on all 3 bureaus XXXX Card XXXX reporting inaccurate on all 3 bureaus status says paid on XXXX and XXXX then says collections Im confused then on Equifax it says derogatory collection. Please remove or fix & permanently put paid 100 % on time on all 3 bureaus if my status is paid I dont understand. 

XXXX XXXX XXXX Is reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX is reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX Reporting inaccurate on XXXX and Equifax please remove XXXX XXXX XXXX reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX Reporting inaccurate on all 3 bureaus please update my payment status to 100 % paid on all 3 or remove this inaccurate account from my file..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
My loan was on forbearance for 18 months due to covid-19 financial hardship experienced by my family, when I contacted Wells Fargo I was not giving accurate correct detailed clear information on my options after forbearance to make informed decision on what option is best for me post forbearance, not armed with accurate information on all available options after forbearance the mortgage company placed my loan on " Payment Deferral '' and when I found out I called Wells Fargo and told them that due to my family financial difficulties I can not afford the current payment as it is and I asked them that the best option for me at this time will be the streamline flex modification which will allow me to receive receive mortgage modifications without submitting any paperwork. They ( Wells Fargo ) refused to reverse their decision of placing my loan on payment deferral option. 

I first requested for the streamline flex modification without paperwork submission option in XX/XX/2021, and also in XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened a credit card under XXXX XXXX and few days later someone used my name to open up 2 different American Express Credit Cards which fr pleated my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have previously disputed this item with you And you stated these items to be accurate and verified by the bankruptcy court. I personally contacted the bankruptcy court and they responded with a written statement that they do NOT report any information to creditors or credit bureaus in this case you guys are lying or just not fixing these errors either way you are breaking the law Fcra section 611 15 USC and every inaccurate item reporting should be permanently deleted immediately. 

XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX tried to false include knowing the courts do not report you broke another l : Us Bankruptcy court & XXXX XXXX XXXX XXXX All Accounts included need to be 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 non-monetary relief
Consumer complaint received 2021-12-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX reporting inaccurate on XXXX and experian inaccurate dates amounts payment status on my credit file please remove account the item was sold by the creditor and it was written as 100 % payment history current so why is it still reporting A collection or repo on my file. 

XXXX Bank XXXX reporting inaccurate on all XXXX bureaus please remove

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 2021-12-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX Reporting inaccurate on XXXX and Equifax please remove XXXX XXXX**** reporting inaccurate on Equifax please remove XXXX XXXX XXXX XXXX reporting inaccurate on XXXX please remove XXXX XXXXXXXX XXXX reporting inaccurate on XXXX and Equifax please remove As well there is an address on my file that does not exist with me please remove these inaccurate address off my file thats attached to the inaccurate account ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: SC

Complaint narrative:
I never open up an account with this company and i told them and they are not responding to me at all so i need this remove from my credit saying im late and i never open nothing with them before that's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Legal Entity : Citibank , N.A . 
Product : XXXX XXXX XXXX Card Description of Issue : On XX/XX/2021 I instructed Citibank to close my XXXX XXXX XXXX XXXX via phone. I directed all payments to be paid in full ensuring account closure on the date of the phone call. This resulted in a final payout of XXXX on the date of closure ( XX/XX/2021 ). Following account closure, Citibank charged interest to my account of XXXX for the month of XX/XX/2021, then an additional late fee of XXXX on XX/XX/2021. These late fees were paid upon realization of said fees on XX/XX/2021. Citibank staff did not inform me of these interest charges or fees at the time of closure. 
Desired remedy : 1. Citibank , N.A . to return all interest and fees charged following account closure. 
2. Citibank , N.A . to ensure no negative reports occur on my report to the credit rating agencies and confirm when those reports have successfully been expunged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I booked travel through ultimate rewards using points and credit card charges ( itinerary # XXXX ). Travel schedule was subsequently unacceptably altered by airline and was then cancelled. The airline refunded travel to XXXX XXXX. XXXX XXXX e-mailed me XX/XX/2021 that a refund of XXXX points and {$430.00} credit card charges was being was being processed. I did receive the credit card charge refund but havent received the point refund despite several contacts from me and their promises to promptly do so. I contacted them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I moved out of XXXX apartment on XX/XX/XXXX and paid all my utilities and closed my utilities account. 
When I saw there is a debt collection on my credit report, I reached out to National credit systems ( NCS ). NCS said that I did not pay utility bills and the documentation they provided says that payment activity and move-out date was XX/XX/XXXX. I asked them to provide any proof to prove that I stayed at XXXX apartments during XX/XX/XXXX but they did not provide any details and also they did not give me any contact details to reach out to Utility services. 

Even though I gave a call to first billing services where I used to pay my utility bill during my stay in XXXX Apartments and representative said that all payments are done and account is closed long ago. 

NCS is fraud and very rude on phone calls and not even trying to resolve the issue that they fraudulently reported on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  is wrongly reporting an account on my Equifax Credit File. XXXX XXXX Account ending in XXXX is a closed account and was charged off nearly 4 years ago. If the account was closed and charged off nearly 4 years ago then the balance should be " 0 '' and not {$1200.00}, nor should it be reporting monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I bought a car on XX/XX/XXXX and the engine blew out XXXX month later on XX/XX/2021 and I had a warranty purchase from the dealership added to the car to cover the engine the guy at the dealership who sold me the car tell the warranty people that only thing was wrong with the vehicle was that it needed a timing belt for the engine so the warranty people pay him for it the guy at the dealership told me he could not fix the vehicle after he received the money from the warranty people and cash the check he kept the money and didn't repair my car his excuses that there is more maintenance to be done on the engine so I called the warranty people and they told me they had explained that into details with him that he was not supposed to send off the invoice into the carpet was completely fixed the dealership told the warranty people that the car was completely fixed and ready to go that was on XX/XX/2021 today is XX/XX/2021 and the vehicle still have not been fixed. Then I spoke with the American Credit Acceptance who he transferred the loan to after the car was broke down I asked them what do they need me to do because now I can not make the payments because I don't have any reliable transportation to make money they told me they want to settle out the car but in order to do that they need the guy from the dealership to give them a printout of the total amount of repairs and labor that is going to cost to get the car fixed he refuses to do that and continue to hold the car and is not being fixed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
I recently pulled my Transunion Credit Report and discovered some fraudulent accounts had been reporting in my name. Accounts that I have no knowledge of, never done business with the originator or the collections agency. I have contacted Transunion again via written certified letter and asked to provide me information that the have the helped them come to conclusion and determined/ verifed that this debt from this particular company, " XXXX XXXX XXXX XXXX partial account # XXXX '', belongs to me. I have sent them police reports and copies of my ID and an old lease of residence of where I was living when the theft/fraud occurred resulting in this account being opened. XXXX XXXX has not contact me about this debt, Transunion is the credit bureau that is reporting this fraudulent account. 

Years ago I was a victim of severe ID theft and still to date I'm delaing with someone who still has my personal information and trying to obtain credit in my name. 

I have attached the new police report I filed this year

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 2021-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc
State: SC

Complaint narrative:
i contact the company inform them this is not my account and that they need to stop reporting it to my credit i need this remove from my credit file

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX reporting inaccurate on Equifax and XXXX  inaccurate dates amounts payment status on my credit file please remove account the item was sold by the creditor and it was written as 100 % payment history current so why is it still reporting A collection or repo on my file. 

XXXXXXXX XXXX XXXX reporting inaccurate on all 3 bureaus please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have previously disputed this item with you And you stated these items to be accurate and verified by the bankruptcy court. I personally contacted the bankruptcy court and they responded with a written statement that they do NOT report any information to creditors or credit bureaus in this case you guys are lying or just not fixing these errors either way you are breaking the law Fcra section 611 15 USC and every inaccurate item reporting should be permanently deleted immediately. 

XXXX XXXX XXXX XXXX Equifax Courts bureaus & creditors tried to false include knowing the courts do not report you broke another l : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX All Accounts included need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have previously disputed this item with you And you stated these items to be accurate and verified by the bankruptcy court. I personally contacted the bankruptcy court and they responded with a written statement that they do NOT report any information to creditors or credit bureaus in this case you guys are lying or just not fixing these errors either way you are breaking the law Fcra section 611 15 USC and every inaccurate item reporting should be permanently deleted immediately. 

XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX tried to false include knowing the courts do not report you broke another l : XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX All Accounts included need to be 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 2021-12-06 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Hi Navient is showing variable amounts of interest for my student loan with a fixed rate. when I called on XX/XX/21 and spoke to them they couldn't explain the variance to me. For example my account history on their site shows the following amounts for last three months XX/XX/21 $ XXXX $ XXXX XXXX XXXX XX/XX/21 $ XXXX {$360.00} XXXX $ XXXX XX/XX/21 $ XXXX {$140.00} XXXX $ XXXX As you can see these amounts are representative of a fixed rate loan. Please look into this issue and provide support... thank you

Company response to consumer: Closed with explanation