vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-20 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Mr. XXXX file an on-line application for a Macy 's XXXX XXXX XXXX, and a Macy 's Credit Card the application was unable to be approve, and was denied for the following reasons : Total credit obligations when compared to the annual income you provided this is not the case Mr. XXXX income is about {$50000.00} Mr. XXXX believe the on-line information is incorrect Mr. XXXX has open several other accounts with other Card Company 's and has no problem at all XXXX XXXX income is substantial for this type of Credit Card, No other Credit Card Company has stated this to a concern for Credit this information was not reported by any consumer credit reporting agency, Mr. XXXX earnings are not a part of these agency, its put on your application Mr. XXXX believe this denied application is base on Mr. XXXX age, race, the fact that Mr. XXXX already has Two Credit Cards with XXXX XXXX, who is a federally registered service mark and a part of Macy 's stores

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 2020-01-20 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Since XX/XX/2019 I've had a closed account for the amount of {$2600.00} and $ XXXX   monthly payment with Navy Federal Credit Union and its been closed for over 60 plus  days. Navy Federal is still reporting inaccurate information about about me i.e late payments and an open account. This is fraud, identity theft and sabotage to me and my family and its also ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: NC

Complaint narrative:
This company, Trident Asset Management, previously reported on another credit bureau an inaccurate account and failed to provide any information or remove the information for the account with XXXX. After filing a complain with the CFPB on XX/XX/2020 ( Complaint XXXXattached ) and investigation, XXXX   deleted the information from my report as it was not validated or verified and there was no information about this account. Just a {$2700.00} collection appeared on my credit file. 

On XX/XX/2020, XXXX deleted the information from credit file and CFPB reported the complaint as closed. 

ON XX/XX/2020, when reviewing a new copy of my 3 bureau credit report, I noticed my XXXX credit report score had gone down significantly. Trident Asset Management has refused be lawful and has now done the same tactic by reporting this information on my XXXX credit report with a DIFFERENT ACCOUNT NUMBER, same amount. 

This creditor was required by law to advise and provide FDCPA information prior to adding to the credit report, which would have led to the ability to clear this matter prior. 

I have posted my credit report showing that when I filed the original CFPB complaint, the account number was different and the only bureau reporting was XXXX. Then on XX/XX/2020, the account was reporting on XXXX only with a DIFFERENT ACCOUNT number. 

Again, while in the process of preparing to make a significant purchase, this company has, again, added false information to my credit report with a different bureau in an attempt to extort monies assuming I am a naive consumer and not aware of my rights. 

XXXX  employee : XXXX XXXX XX/XX/2020 XXXX Eastern advised that : * This was updated on my credit report on XX/XX/2020 WITH a description that " Consumer disputes after resolution Collection account '' * They would not provide me information regarding when this account was added to my credit report, but it was NOT there prior to the original CFPB complaint * They would not provide me any information related to the information that was provided to add this to my credit profile, No promissory note, signed agreement, contract, accounting of monies, nothing This information needs to be removed and I am filing a complaint with the NC Department of Justice mirroring this complaint as well. 

The original complaint documents are attached and I refuse to go through another year of back forth with this company or a credit bureau because of this deceptive tactic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
mY COMPLAINT IS WITH EXPERIAN REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. 
MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE EXPERIAN TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY 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 2020-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I called and paid a settlement amout to BMW Financial for my XXXX XXXX XXXX. Before paying the settlement amount I was told that since Im paying it off they would remove all of the late payments. Recently I have been keeping an eye on my credit and noticed that they never did. I called them last week to see what was going on and why the fees have not been removed. I was told that he didnt care what I was told he was not removing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: FL

Complaint narrative:
This new complaint is related to CFPB complaint # XXXX that I placed recently on XX/XX/XXXX because on late XX/XX/XXXX I summit a complain through Experian Web Site against XXXX XXXX  XXXX XXXX XXXX because they fixed an error on my credit report with XXXX and XXXX on XX/XX/XXXX but never fixed with Experian. 
This irresponsible bank has the opportunity to fix an old error but decided to see this as a frivolous complain and never pay attention also Experian just resolved something that it was wrong. 
It is hard to believe that XXXX XXXX  XXXX XXXX XXXX fixed an error on my XXXX and XXXX credit report but not with Experian! 
Please CFPB help Experian to investigate a little more about the complaint that they receive everyday, because they have a big responsibility on create or not problems to the consumers. 
Thank you very much!

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 2020-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION
State: MS

Complaint narrative:
One Main Financial has illegally used my debit card information to extract a payment which was higher than discussed. I have never allowed automatic deductions on this account. I have never knowingly given them permission to do so. It was never discussed with me. 

Date of Action : XX/XX/2020 Amount Deducted : XXXX Action Taken by Me : Dispute of Transaction at Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$9000.00}, {$14000.00}, {$7900.00}, {$30000.00}, {$11000.00}, {$200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 


-- CLOSED ACCOUNT 6. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not 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 2020-01-20 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$9000.00}, {$14000.00}, {$7900.00}, {$30000.00}, {$11000.00}, {$200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 


-- CLOSED ACCOUNT 6. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$9000.00}, {$14000.00}, {$7900.00}, {$30000.00}, {$11000.00}, {$200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 


-- CLOSED ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not 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 2020-01-20 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: VA

Complaint narrative:
The credit reporting agency failed to provide verification for accounts that are on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: VA

Complaint narrative:
The credit reporting agency failed to provide verification for accounts that are on my credit report that are not mine.

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 2020-01-20 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: VA

Complaint narrative:
The credit reporting agency failed to provide verification for accounts that are on my credit report that are not mine.

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 2020-01-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have received 2 to 3 calls everyday for the past 6 months from a company by the name of Navient. The number is XXXX. I don't have a student debt. I am XXXX years old and never had a student loan nor have I consigned for one. When I try to call the number I receive an automated message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America has me in XXXX XXXX because of a fraud account that was opened up. I have disputed this account with the bank and 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
Consumer complaint received 2020-01-20 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: NY

Complaint narrative:
The credit reporting agency failed to provide verification for accounts that are on my credit report that are not mine.

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 2020-01-20 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: NY

Complaint narrative:
The credit reporting agency failed to provide verification for accounts that are on my credit report that are not mine.

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 2020-01-20 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: NY

Complaint narrative:
The credit reporting agency failed to provide verification for accounts that are on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: NC

Complaint narrative:
Thanks for your help with # XX/XX/XXXXXXXX & # XXXX, XXXX XXXX and XXXX Hospital.. Experian refuses to remove this collection from my report. It was noted twice.. I have disputed this twice and Experian will no longer communicate with me.. On my recent credit report it states that XXXX  XXXX XXXX XXXX Hospital did not violate the fair credit reporting act. My understanding is they must give you 30 days to make payment. They went directly to collection without notifying me. I sent a letter of validation to XXXX XXXX XXXX XXXX Hospital They sent me a hospital bill and nothing else.. Experian continued to drop my credit score by approximately 100 points.I make my payments and am not late.Experian continues to send offers for Experian Boost for {$19.00} a month to increase my credit score.Am I the only one to see a conflict of interest? I would appreciate any help with this situation. 

Thank you, 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 explanation
Consumer complaint received 2020-01-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
mY COMPLAINT IS WITH XXXX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/2017. 
MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE XX/XX/XXXX TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY 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 monetary relief
Consumer complaint received 2020-01-20 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: AES/PHEAA
State: CA

Complaint narrative:
mY COMPLAINT IS WITH XXXX XXXX. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/2017. 
MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE XXXX TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT.

Company response to consumer: Closed with explanation