vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This letter is a formal complaint that Experian is reporting inaccurate and incomplete credit information in my credit report., I am distressed that after several attempts to have this information properly justified, Experian continue to include the information below in my credit profile. Experian has failed to maintain reasonable operation procedures to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information did not meet these standards. 

US BKPT CT MS XXXX, ID # XXXX, Amount- {$000.00}, Date Filed-XXXX, Status- Chapter XXXX Bankruptcy Discharged Therefore. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. The item above I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b ) and it has already passed the legal time from of 30 days to do so. 

As documented on XX/XX/2020, the court stated on the phone to me that they do not disclose such information to credit agencies such as XXXX, XXXX, and Experian., and referred me to their website policy indicating the same in writing ( a copy attached to this dispute ). And due to the court admitting that they did not disclose this information to any credit agency, the credit agency in questioned has failed to provide proof that this account belongs to me, and I demand that this information be removed. 

Please delete this misleading information and supply a corrected credit report to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2021-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit report in 30 days.

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 2021-11-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I noticed my score dropped over 120 points end of XXXX and there was a delinquency reported from XXXX XXXX on my car loan. XXXX XXXX reported my car loan as closed, settled for less than owed and late. I reached out to XXXX XXXX and disputed the issue with all three bureaus. Experian, XXXX and XXXX confirmed that this info has been reported by the creditor. I filed a complaint with XXXX XXXX. The case analyst who was handling my complaint promised me on XX/XX/XXXX a letter in the mail saying that the account was never late. Not delinquent and it is still open. I have been waiting for this letter to arrive in the mail. Unfortunately XXXX XXXX has not been helpful, I just received the letter today and the letter is dated XX/XX/XXXX. The letter only say that the account was never late. No mention at all that this account has not been settled. XXXX XXXX admitted that it was an error in their behalf, but they had taken no action to correct except sending again incomplete information. I just refused a letter from one of my creditors who closed my line of credit because of this false delinquency. I have filed another complaint with XXXX XXXX last week when I have not received the letter. Spoke with XXXX another analyst from the president office last week and he said the information has been corrected with the bureaus and there is nothing else he can do for me. 
This is unacceptable, XXXX XXXX did report incorrect info to all three bureaus. Experian confirmed that XXXX XXXX only reported that XXXX payment has been made and now they removed the late payment to XXXX, still reporting the account as closed and settled for less than owed. This makes no sense. XXXX XXXX has to request from Experian to remove the remarks and the delinquency and report that my account is stil OPEN IN GOOD STANDING. I was very specific about what I asked and they still dont want do their part. I will escalate this and I will seek legal action. This has to be resolved 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 non-monetary relief
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello. On XX/XX/2021 I made a payment of {$360.00} to XXXX XXXX to settle my debt with an old XXXX account. I was informed that this account, XXXX, and all negative remarks would be deleted from all three credit reporting bureaus : XXXX, XXXX, and Transunion. Eleven months later, XX/XX/2021 the XXXX account is STILL on my reports. Much to my dismay, it showed up on a Tenant Screening process when I was trying to move. : ( I have contacted the original creditor, XXXX, several times, and each time I am told that they no longer have my account documents, that all documents were transferred to the collection agency, XXXX XXXX. 
Upon reaching out to XXXX, Transunion, and XXXX, I was told that " The account was transferred to another agency, '' and that I need to contact them to remove it, which I did SERVERAL TIMES -- XXXX XXXX. 

On XX/XX/2021 I received a letter from XXXX XXXX stating that the XXXX  account will be deleted from all three credit bureaus : XXXX, Transunion, and XXXX. Yet, here it is XX/XX/XXXX, and it is STILL on my credit reports negatively effecting my credit score, and interfering with my plans to move. 

Please help me. 

XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: CA

Complaint narrative:
Hello. On XX/XX/2021 I made a payment of {$360.00} to XXXX XXXX to settle my debt with an old XXXX account. I was informed that this account, XXXX, and all negative remarks would be deleted from all three credit reporting bureaus : XXXX, Equifax, and XXXX. Eleven months later, XX/XX/2021 the XXXX account is STILL on my reports. Much to my dismay, it showed up on a Tenant Screening process when I was trying to move. : ( I have contacted the original creditor, XXXX, several times, and each time I am told that they no longer have my account documents, that all documents were transferred to the collection agency, XXXX XXXX. 
Upon reaching out to XXXX, XXXX, and Equifax, I was told that " The account was transferred to another agency, '' and that I need to contact them to remove it, which I did SERVERAL TIMES -- XXXX XXXX. 

On XX/XX/2021 I received a letter from XXXX XXXX stating that the Fingerhut account will be deleted from all three credit bureaus : XXXX, XXXX, and XXXX. Yet, here it is XX/XX/XXXX, and it is STILL on my credit reports negatively effecting my credit score, and interfering with my plans to move. 

Please help me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I bought Vanilla Gift card from XXXX XXXX XXXX on XX/XX/2021 and loaded it with {$500.00}. 
I used the card on XX/XX/2021 at XXXX XXXX for {$25.00} Today on XX/XX/2021 I checked the balance on the Vanilla Gift card and it has only {$1.00} left. Remaining money is removed from the account through fraudulent transactions. 

There are 94 transactions of {$5.00} each on XX/XX/2021 from XXXX to XXXX i.e. within 1 minute using XXXX XXXX. There are 2 pending transaction of {$1.00} each on XX/XX/2021 and XX/XX/2021 using XXXX XXXX XXXX 

Please ensure i get my money returned back at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: SLM CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with SALLIE MAE BANK INC XXXX Balance {$23000.00}. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ALLY FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: LA

Complaint narrative:
On Tuesday, XX/XX/2021, our attorney XXXX the first check to cover the damage sustained to our home as a result of Hurricane Ida. The check in question was received by Flagstar on Friday, XX/XX/2021, at XXXX XXXX., and was signed by XXXX XXXX. The XXXX  envelope contained a pre-paid XXXX return envelope to our attorney 's office. 
- As of to date, my insurance proceeds ( $ XXXX ) are in some type of purgatory at FlagStar 's Loss Draft Department. We have made numerous calls and emails to get a status on when our proceeds will be released from the " XX/XX/XXXX '' - Between myself and our attorneys office, we have complied with any and all request to date. BUT!! Still no insurance proceeds have been released to date. The longer this financial circle XXXX continues, the damages to our home are only getting worse. How does homeowner explain to their insurance carrier, that the home has sustained great damage as results of Flagstar 's delay? 
- As of writing this letter, I have been displaced for awhile with my husband and animals to an efficiency at the nearest hotel. I would just like to get rebuild home and get on with my life. 
- Any assistance or help your agency can offer, would greatly appreciated. 
- With kind regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The XXXX and Equifax Bureaus Credit Bureaus have 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 accounts that are reporting on my Credit Reports : 1. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$140.00} ; 2. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$120.00} ; 3. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$810.00} ; 4. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$1100.00} ; 5. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$75.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with COMENITYBANK/VICTORIA XXXX Balance {$920.00}. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MACYS/DSNB XXXX Balance -. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I opened an Apple credit card account on XX/XX/2021. Apple never provided me with the Truth in Lending Disclosures in the correct tabular format. I am financing 2 items from their company. Pursuant to 12 CFR 1026.6 ( b ) ( 2 ) and 15 US Code 1632a, Apple has failed to disclose this information to me, the consumer. I have spoken to an agent via support through text messaging and she assured me that these disclosures can be accessed in the " terms and conditions '' in the " Wallet ''. After doing my own due diligence I have found no TILA disclosures under Apple 's terms and conditions. I have also reached out to Goldman Sachs, and they have also stated that the TILA disclosures can be found there as well. In addition to all of this, there is no option for the consumer to auto receive periodic statements through the post office mail for their account. The same agent told me that I would have to call or text them every month to get periodic statements mailed. So, I can't have physical periodic statements mailed to me, I have not been provided with required material disclosures, and those will not be mailed either. Apple is trying to collect on a debt that I was never informed properly about, never given the required disclosures to inform me about the use of credit or what amounts are being subject to the APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capita One credit card. I was not using the credit card. Unfortunately there was an recurrent charge that applied to the card that I was not aware of. Later I called for waiver and make the payment. Agent told me he placed an case to review the request on XX/XX/XXXX. later I didn't receive any update on the request. I also see agent did not make the payment that was due on XX/XX/XXXX. Again imposed another late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: GA

Complaint narrative:
On XX/XX/21 I received a notification of a XXXX XXXX inquiry that was fraudulent. Transunion would not allow me to dispute the fraudulent inquiry. I already have 3 XXXX XXXX accounts on my credit file and it is not logical for me to apply for another one. I am also in the process of closing on a home towards the end of XXXX and this inquiry could destroy my process.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent letters in XXXX in regards to collection accounts on my report asking for them to be validated or removed and neither was done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up for a covid test at an XXXX airport for XX/XX/2021 when i planned to visit XXXX. There was no mention of a cancellation policy anywhere during booking. However, travel laws changed and I cancelled the test on XX/XX/XXXX. The company refused to refund the money, despite not using the services and cancelling almost 2 weeks prior. I disputed the charge as I never received the services and cancelled. Bank of America refused to do anything saying it was not fraud. At no point was there any mention of a cancellation policy and the bank needs to protect its customers from duplicitous companies.

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 2021-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX 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 is still reporting on my Credit Reports and need to delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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