vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 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: IN

Complaint narrative:
I have ( 4 ) for accounts on my Consumer Report that's reporting inaccurate information. These are the following Acct : XXXX XXXX  is reporting a {$4600.00} balance on my Consumer Report as charged off I received a XXXX for this amount. Please remove this account from my Consumer Report for inaccurate information. 

XXXX XXXX is reporting a {$3000.00} balance on my Consumer Report as charged off I received a XXXX for this amount. Please remove this account from my Consumer Report for inaccurate information. 

XXXX XXXX is reporting a charge off for {$890.00} balance on my Consumer Report this account was paid in full. Please remove this account for inaccurate information. 

XXXX acct # XXXX is reporting a charge off for no $ amount please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The merchant - XXXX XXXX charged me {$1000.00} twice. I contacted them and they wont return my calls so I contacted BofA to dispute the extra {$1000.00}. They have yet to provide at least a provisional until the matter is resolved. 

The rep told me it could be 90 days before I would receive those funds back.

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 2021-11-08 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Im filing a complaint in regards to fraudulent activity/information on my reporting on my credit report. DSNB MACYS with account number XXXX does not belong to me. XXXX XXXX ( Original Creditor : 08 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) reporting on XXXX and XXXX does not belong to me. XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) on XXXX and XXXX doesn't belong to me and lastly, XXXX XXXX  ( Original Creditor : XXXX XXXX ) doesn't belong to me as well.

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 2021-11-08 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: TX

Complaint narrative:
I have disputed multiple times on incorrect items that are on my credit report with XXXX, XXXX and Transunion and it has taken well over 30 days of me not receiving any investigation results.

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 2021-11-08 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:
I have disputed multiple times on incorrect items that are on my credit report with XXXX, Experian and XXXX and it has taken well over 30 days of me not receiving any investigation results.

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 2021-11-08 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: TX

Complaint narrative:
I have disputed the accuracy of the late payments with XXXXXXXX XXXX, with the results being the same. I called Equifax to provide documents that I received from XXXX. I was not able to upload the documents. I have spent hours trying to get to someone to assist me. The process is not designed to help consumers. Because of the improper reporting of this account I have been denied my mortgage loan which ha cost me money, stress and homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FISERV FINXACT CORE
State: MA

Complaint narrative:
First Data Corporation responded to my complaint number XXXX saying that they have not charged my account since XX/XX/2011, when we stopped the merchant banking services. My business account is still being charged each month {$19.00} + {$79.00} = {$99.00}. XXXX XXXX XXXX informs me that these merchant banking charges are being debited by First Data corporation. The charges after XX/XX/2011 are 10 years 21 months {$99.00} = XXXX XXXX XXXX = {$11000.00}. 

I can send you PDF copies of the bank statements and the correspondence from XXXX XXXX XXXXXXXX that the charges are made by First Data Corporation. Let me know what information you need to resolve this matter.

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 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to the all credit bureaus Experian, XXXX, XXXX regarding the following accounts. 
- XXXX XXXX - this is not my account- {$3100.00} - XXXX XXXXXXXX XXXX - this is not my account- {$28000.00}

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 explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
on XX/XX/21 at XXXX, I received a call from XXXX at Allied Financial. She admitted she was looking for a relative of mine in hopes of collecting a debt and had looked up my information. I have no business relationship or contract with this company and I am disturbed that a random stranger is looking up my personal, protected, private information without my consent. When I asked how she obtained my information, she refused to answer. I reached out to the family member they were looking for and he did not give them my information. When I called back and spoke to the supervisor XXXX XXXX, he stated theyre only allowed to use information provided and she shouldnt have looked up my personal information but he could not verify what else this individual looked up or accessed. I am now concerned that my SSN had been looked at as well as other personal protected information. This is illegal and harassing.

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 2021-11-08 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On or about XX/XX/21 XXXX, an internet music company charged my Citi Rewards Mastercard {$9.00}. I did not recognize or authorize this. I called Citi Bank credit card rep. who credited the charge, reported fraud, cancelled the account and resent me a new card with a new number. On XX/XX/21 I noted XXXX charged my new MC account {$15.00} on XX/XX/21. I called Citi Card rep and discovered via supervisor XXXX, that Master Card has a provision to give so called recurring charges to newly established credit card numbers. The previous rep. failed to disable this feature thus I was still being billed erroneous charges. Citi supervisor XXXX had to cancel my account ( again ) and send a new card. It is not clear that Citi has done their due diligence to prevent XXXX from frauding us again. Also I asked for a customer good will compensation but was denied any dollar amount.

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 2021-11-08 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Im filing a complaint in regards to fraudulent activity/information on my reporting on my credit report. XXXX XXXX with account number XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) reporting on XXXX and XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXXXXXX XXXX XXXX ) on XXXX and XXXX doesn't belong to me and lastly, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX doesn't belong to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Im filing a complaint in regards to fraudulent activity/information on my reporting on my credit report. XXXX XXXX with account number XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) reporting on XXXX and XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) on XXXX and XXXX doesn't belong to me and lastly, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX doesn't belong to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: MS

Complaint narrative:
XXXX, XXXX and Transunion is reporting inaccurate XXXX amount numbers and liability amount on my credit file it does not match my records. all companies have responded that the investigation has been completed. however i believe that no REASONABLE and PROPER investigation has occurred due to these violations. 

Furthermore, the companies failed to mark the account as disputed violating 623 ( a ) ( b ) these companies continuously has failed to validate this account further violating FDCPA 809b

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 2021-11-08 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: TX

Complaint narrative:
I have disputed the accuracy of the late payments with XXXX XXXX, with the results being the same. I called XXXX to provide documents that I received from XXXX. I was not able to upload the documents. I have spent hours trying to get to someone to assist me. The process is not designed to help consumers. Because of the improper reporting of this account I have been denied my mortgage loan which ha cost me money, stress and homelessness.

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 2021-11-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XX/XX/2020, during COVID, I was unemployed and my Bank of America Credit Card offered a COVID pause on the payment due. I applied for the COVID pause and received notice it was approved. So I didn't make the payment in XXXX and they reported me 30-days late for the month of XXXX. Once I applied and received word it was approved, I thought the payment wasn't due. 

I have a customer of Bank of America for almost 30-years and not ever been 30-days late before and haven't been since. 

Because I did not receive anything saying specifically my XX/XX/2020 payment was due, I was reported 30-days late.

I just want the one 30-day late payment removed please.

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 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have a second mortgage and not able to afford to pay the payment because of their interest rate 13.5 % and requested them to modify the loan because of the hardship. I submitted all the required documents to them but they never try to help us. Since the our will be expiring soon we decided to sell the property and settle them its been 5 months we listed the property for sale but we have not received a single offer. I contacted them again if they can try to help us to settle or any payment option they can provide but the said they are options available right now for me.

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 2021-11-08 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: PA

Complaint narrative:
To Whom It May Concern, Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new car and these items wont get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Round Up Ventures, L.P.
State: TX

Complaint narrative:
I received an offer by mail from Lendly ( XXXX ). I accepted the offer and was approved instantly online. I was provided several different loan options. I made my selection and was then provided with a link to verify my checking account and deposit information. The link did not work correctly. I reached out to their live chat and spent over an hour trying to enter passwords and account information. Finally I was told they had IT issues with the account verification process and were hoping to get it fixed soon. My only other option was to manually upload the documents. I logged out and then logged back in and was not able to access anything. I clicked on the account information link and learned my approved loan was changed to denied. I called them to confirm if this was correct and they said yes I was approved for the loan but they changed the decision. My complaint here is, when a loan company approves someone for a loan, they should not be allowed to cancel the loan after an official approval has been provided. I wasted an hour of my time today on this pathetic company. I understand the difference between a pre-qualified vs a pre-approved loan offer. In this case it was an approved loan with an offer made by the lender which I accepted and they then denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to the all credit bureaus XXXX, Transunion, XXXX regarding the following accounts. 
- XXXX XXXX - this is not my account- {$3100.00} - XXXX XXXX XXXX  - this is not my account- {$28000.00}

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 explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to the all credit bureaus XXXX, XXXX, Equifax regarding the following accounts. 
- XXXX XXXX  - this is not my account- {$3100.00} - XXXX XXXX XXXX  - this is not my account- {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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:
Has not removed the inaccurate item account on my report. Its been over 30 days this a violation of XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX 1st. This is an invasion of privacy 15 U.S Code 1692 ( a ) 2nd. You are in violation of 15 U.S. Code 1681e ( b ) - This account is not accurate.

I have previously disputed this I do not agree with the results.

this items needs to be removed asap

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 2021-11-08 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:
On XX/XX/XXXX I sent a dispute letter to the all credit bureaus XXXX, XXXX, Equifax regarding the following accounts. 
- XXXX XXXX XXXX- this is not my account- {$4900.00} - XXXX  - this is not my account- {$11000.00} - XXXX  - this is not my account- {$9600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to the all credit bureaus Experian, XXXX, XXXX regarding the following accounts. 
- XXXX XXXX XXXX- this is not my account- {$4900.00} - XXXX  - this is not my account- {$11000.00} - XXXX  - this is not my account- {$9600.00}

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 explanation