vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am very concerned about these accounts, which are not mine : 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 explanation
Consumer complaint received 2021-07-07 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:
GOOD DAY, I HAVE BEEN ATTEMPTING ON SEVERAL OCCASIONS TO RECTIFY THE FOLLOWING INFORMATION FROM MY CREDIT REPORT : XXXX XXXX. 
THIS ACCOUNT IS REPORTING INACCURATELY WITH EXPERIAN, I CAN NOT HESITATE ON THE AMOUNT OF TIMES I HAVE REQUESTED FOR EXPERIAN TO GET RID OF THE LATE PAYMENT. I HAVE ALWAYS BEEN ON TIME WITH ALL OF MY PAYMENTS AND NEVER HAVE I GONE A DAY LATE ON THEM EITHER. THE PREVIOUS MOMENT I'VE TRIED TO DISPUTE THIS ACCOUNT WAS IN XXXX OF THIS YEAR ( 2021 ). PLEASE HELP RECTIFY, REMOVE OR OVERALL REPAIR THE NEGATIVE HISTORY ON MY REPORT WITH EXPERIAN. THIS IS AGITATING THE OVERALL STATE OF HEALTH OF MY CREDIT AND NOTHING HAS BEEN DONE BY THEM IN THIS CASE, THANK YOU FOR YOUR ASSISTANCE.

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 2021-07-07 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: VA

Complaint narrative:
There is currently an account on all three of my credit reports under the name of XXXX XXXX XXXX XXXX  in the amount of {$820.00}. This is a fraudulent account. I have never taken out a loan at any time with XXXX XXXX XXXX. I believe that XXXX XXXX XXXX XXXX and XXXX and XXXX  are the same people trying to commit fraud against my account. Please see previous dispute and correspondence email from XXXX XXXX XXXX. ( attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: VA

Complaint narrative:
There is currently an account on all three of my credit reports under the name of XXXX XXXX XXXX XXXX  in the amount of {$820.00}. This is a fraudulent account. I have never taken out a loan at any time with XXXX XXXX XXXX. I believe that XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX  are the same people trying to commit fraud against my account. Please see previous dispute and correspondence email from XXXX XXXX XXXX. ( attached )

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 2021-07-07 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: MD

Complaint narrative:
ASSOCIATED CFPB COMPLAINT NUMBERS : XXXX ; XXXX ; XXXX XX/XX/2021 Re : Letter to Correct/ Add Credit Information To Whom It May Concern : On XX/XX/2021, I filed a formal complaint with your office, as well as the Consumer Financial Protection Bureau ( CFPB ), regarding several issues with my Equifax credit report, and incomplete and inaccurate information reported. On XX/XX/2021, Equifax replied to the CFPB complaint, noting that a response will be mailed. To date, no response has been received by me. I received a copy of my credit report and found the following item ( s ) to be missing from my Equifax credit report : The following information is missing from my credit report. I would like it added to my credit history report, as the creditor has verified their reporting to you, and you are not reporting accurate information : XXXX. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX Account Number : XXXX 7. XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX 9. XXXX XXXX Account Number : XXXX 10. XXXX XXXX Account Number : XXXX 11. XXXX XXXX Account Number : XXXX 12. XXXX XXXX Account Number : XXXX ( closed account with positive history ) 13. XXXX XXXX Account Number : XXXX ( closed account with positive history ) 14. XXXXXXXX XXXX XXXX Account Number : XXXX 15. XXXX/XXXX  Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and added correctly my report. By not accurately reporting my credit standing, Equifax has caused me harm with denial of credit from other lenders. I understand that under federal law, you must complete this reinvestigation within 30 days of receipt of this letter. I am enclosing a copy of my Equifax report that shows this account is missing. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a loan with Lightstream ( a division of Suntrust Bank ) that Ive been paying on for over two years and never late. The monthly payment is {$620.00}.

When COVID hit, Lightstream offered deferred payments in an effort to help. At the time, it was not informed that this so called help would require me to make a final payment of more than 8 times my regular payment. I was struggling financially because of a reduction in income so I accepted. I deferred 3 or 4 payments in XXXX. Then, I noticed that when I resumed payments, my balance wasnt going down. All of it seemed to be going toward interest. So fine, after multiple payments my balance started to go down again. 

Then, I received an email from lightstream on XX/XX/XXXX stating : Your deferred payment ( s ) along with interest accruing on a higher balance will result in a balloon payment, or a final payment larger than your current monthly payment amount, and will be due by XX/XX/XXXX So I log on to my acct to discover that my final payment is no longer {$620.00} but {$5400.00} Thats insane. How is this helping during a pandemic? This is predatory. Thats more than I bring home in a month and I would have never accepted a deferment if I knew this. So I was struggling before and now that things are better, Lightstream has made sure I will be struggling in the future.

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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/2020 XXXX with : Transunion

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 2021-07-07 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: CITIBANK, N.A.

Complaint narrative:
I had been using the Citi premier ( Travel card ) credit card over the years. Last year I had to relocate to XXXX for a short period and due to Covid-19 pandemic my stay in XXXX had to extend further. During this time I faced a fraudulent activity in my card, I informed the Citi about it, after their investigation the amount were successfully credited to my account. 

As the standard process they initiated the card replacement. As I was located in XXXX. they sent the card to XXXX and i was told I can continue to use the card being in XXXX. On XXXX XXXX they had closed my credit card for the reason being I'm not a resident of US which was not notified to me. They had my email address and the contact number, but they didn't communicate to me about my card closure. 

Only during the last week ( XXXX XXXX ) when I attempted to use the card for a purchase, it did not go through. When I called the customer service, I was told that my card was closed long time back and a communication was sent to my XXXX address. I told them I did not receive any such communication and also asked for a tracking number to for the letter they mailed. They did not provide anything. I was unsuccessful in re-activating my card. 

Over the years I accumulated the thank you points from my credit card and was planning to redeem it for a air ticket. when I asked for a cash back from the thank you points ( XXXX points equivalent to {$760.00} ) i was told that it got expired as I did not claim it within 60 days from the card closure. I had a long debate with the customer service that the card had been closed without my consent and there was no communication to me. They were not ready to listen and were so rude that they can not help me. 

I accumulated those points over the years from the hard earned money and was also paying the interest to the credit card for the charges. I'm so fooled and cheated by the credit card company. I felt so harassed. 

Request your intervention in redeeming my thankyou points.

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 2021-07-07 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: MS

Complaint narrative:
I've contacted Experian, XXXX, and XXXX  multiple times about fraudulent information that is being reported on my credit profile. I've have told them that these accounts and records do not belong to me and provided them with an FTC report as well as a deletion letter from XXXX XXXX. These companies have ignored my complaints and have continue to report these items. FCRA section 605 B states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

These companies have violated section 605 B and this is my last attempt to rectify the situation. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Auto, please refer to this complaint which has to do within your company. I have submitted a couple of complaints to the FTC and NC AG. I also called Wells Fargo Auto this day and was told about third deferment. 






Your complaints XXXX XXXX XXXX XXXX Loan Struggling to pay your loan WELLS FARGO XX/XX/2021 Open Sent to Company XXXX XXXX XXXX XXXX Loan Managing the loan or lease WELLS FARGO XX/XX/2021 Closed Company responded XXXX XXXX XXXX XXXX Title loan Loan payment wasn't credited to your account WELLS FARGO XX/XX/2021 Closed Company responded XXXX XXXX XXXX XXXX Title loan Vehicle was repossessed or sold the vehicle WELLS FARGO XX/XX/2021 Closed Feedback provided XXXX XXXX XXXX XXXX Loan Struggling to pay your loan WELLS FARGO XX/XX/2021 Closed Feedback provided XXXX XXXX XXXX XXXX Domestic ( US ) money transfer Fraud or scam XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Closed Sent to Regulator FTC

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 2021-07-07 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: VA

Complaint narrative:
I have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. Please investigate and verify the following information. If these accounts can not be verified please delete them. Also, delete the incorrect address in my report and I did not authorize these inquiries.

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 2021-07-07 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: VA

Complaint narrative:
I have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. Please investigate and verify the following information. If these accounts can not be verified please delete them. Also, delete the incorrect address in my report and I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CA

Complaint narrative:
I booked a trip via Chase XXXX on United Airlines. The flight was cancelled and I tried to get a refund. Chase told me that because United controls the ticket, they were unable to " access it '' to refund the points.

I contacted United and they refunded the ticket to Chase XXXX on XX/XX/2021 to allow them to access the funds. I called Chase back XX/XX/2021 to try and get the points back since the refund should have posted, and Chase travel claimed they still do not have access to the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/21 I filed a complaint through the XXXX  dispute center against XXXX regarding a settled account. On XX/XX/21, XXXX verified with XXXX  that the information reported is accurate stating the account balance is currently {$3800.00}. This is not correct as payment had been submitted to XXXX XXXX XXXX, working on behalf of XXXX XXXX  on XX/XX/21 to settle the account in full. Additionally, XXXX updated with XXXX  on XX/XX/21 that the account has been paid in settlement. 

XXXX refuses to report accurate information to the 3 credit bureaus and although documentation had been provided to XXXX  showing the account had been settled, XXXX  validated the inaccurate information reported and verified by XXXX XXXX. 

I have provided documentation of the conflicting dispute updates and the letter submitted by XXXX XXXX  acknowledging receipt of payment and settlement of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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:
On XX/XX/21 I filed a complaint through the Equifax dispute center against XXXX/XXXX  regarding a settled account. On XX/XX/21, XXXX/XXXX  verified with Equifax that the information reported is accurate stating the account balance is currently {$3800.00}. This is not correct as payment had been submitted to XXXX XXXX XXXX, working on behalf of XXXX XXXX  on XX/XX/21 to settle the account in full. Additionally, XXXX updated with XXXX  on XX/XX/21 that the account has been paid in settlement. 

XXXX refuses to report accurate information to the 3 credit bureaus and although documentation had been provided to Equifax showing the account had been settled, Equifax validated the inaccurate information reported and verified by XXXX XXXX. 

I have provided documentation of the conflicting dispute updates and the letter submitted by XXXX XXXX  acknowledging receipt of payment and settlement of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: MS

Complaint narrative:
I've contacted XXXX, Transunion, and XXXX  multiple times about fraudulent information that is being reported on my credit profile. I've have told them that these accounts and records do not belong to me and provided them with an FTC report as well as a deletion letter from XXXX XXXX. These companies have ignored my complaints and have continue to report these items. FCRA section 605 B states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

These companies have violated section 605 B and this is my last attempt to rectify the situation. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: MS

Complaint narrative:
I've contacted XXXX, XXXX, and Equifax  multiple times about fraudulent information that is being reported on my credit profile. I've have told them that these accounts and records do not belong to me and provided them with an FTC report as well as a deletion letter from XXXX XXXX. These companies have ignored my complaints and have continue to report these items. FCRA section 605 B states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

These companies have violated section 605 B and this is my last attempt to rectify the situation. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company response to consumer: Closed with explanation