vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-17 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: PA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: PA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-17 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:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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:
There are many mistakes appear in my report without my understanding.

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 2019-01-17 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: NJ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX  XXXX   XXXX Re : Chapter XXXX  Bankruptcy To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my crediti file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Again I never paid or walked into court for such a matter and by law it does not exists

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: NJ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX  Re : Chapter XXXX  Bankruptcy To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my crediti file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Again I never paid or walked into court for such a matter and by law it does not exists

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 2019-01-17 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  XXXX   Experian Re : Chapter XXXX  Bankruptcy To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my crediti file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Again I never paid or walked into court for such a matter and by law it does not exists

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 2019-01-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Called made arrangements as I am XXXX with no income. Got ongoing harrassment..assurances of everything fine with follow up email to come ..never came .several more calls..more threats same thing again..assurances and email to confirm never came. Now all quiet but still on credit report and tried to file credit ( potential ) fraud to XXXX  yesterday ( on separate issue ) and could not remember Navient as potential collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was trying to buy an online XXXX server I was led to believe that a person on XXXX was the owner of this XXXX which he was he acted like 2 separate. people and made me pay XXXX $ in 2 separate payments ( without tax ) and I would like to know wether I can refund this payment or not ( done through XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: FL

Complaint narrative:
Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it 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 , XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX   ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Back in XX/XX/XXXX/XX/XX/2018 I moved my full credit balance with Bank of America to another Credit Card company. I had elected to have my statements online so I was not receiving anything in the mail to review. Now, in mid-XXXX I am told my credit line is decreased, but more importantly it appears my account is now showing a delinquency with the reporting agencies adversely affecting my credit score. 

My issue is not with the interest charged, but with the lack of any kind of contact before reporting the delinquency. I do not understand why a paper letter or phone call was not placed in the 3 months it was open to me to help resolve before reporting the delinquency. Looking at the mail the morning of XX/XX/XXXX, I placed a call immediately to Bank of America and dealt with their horrible IVR that does not seem to have a setting for when it does not understand what you want to do to get you to a front line agent. Once talking to an agent I paid the amount in full and closed the account. 

However, I believe the bank 's practices on accounts in similar situations such as mine needs to be thoroughly looked at so the consumer is made aware of the issue before it gets reported to outside agencies and has the opportunity to resolve.

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 2019-01-17 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: U.S. BANCORP
State: FL

Complaint narrative:
Via fax number XXXX Attention U.S. Bank XX/XX/2019 Vehicle lease number XXXX To the attention of the repossession department, In a follow-up to my letter of XX/XX/2019 in which I advised the bank of the improper information that was submitted to all the credit agencies in which my truck that is being financed through U.S. Bank has been repossessed which it has preventing me from securing private loan. 
At all times XXXX, the representative from U.S. Bank in extension XXXX had refused to provide a corresponding clearing up that the vehicle was not repossessed and that I have the vehicle in my possession. I also requested a letter that I can take to the bank in order to get my loan that Im current with my payments and she had refused. 
I have contacted over 15 different lending institution and every one of them advised us that the repossession by U.S. Bank that is being reported determined that I will not qualify for the loan due to that negative report. 
I was advised by my lawyer to terminate early the lease as I can not make any payments due to the negative incorrect reporting to the credit bureaus, and have this matter determined by the court of law. 
The vehicle is available for U.S. Bank to be picked up at any time, bank should make arrangements and coordinate a proper time and the place for the transaction to take place. Upon picking up the vehicle I am requesting a document that would verify that the vehicle was turned into the possession of the bank. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL 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 2019-01-17 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: FL

Complaint narrative:
Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it XXXX   XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  ( Original Creditor : 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 2019-01-17 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: FL

Complaint narrative:
Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it 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 , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  ( Original Creditor : 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 2019-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.

Complaint narrative:
I have sended XXXX ( XXXX XXXX ) amount on XX/XX/2019 from XXXX, that amount debited from my account but not deposit to recipient account, i consult the no.of times to XXXX customercare but still pending my issue please help me on my issue.

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 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I deposited a check I was given from a bed I sold on XXXX and it appears after the bank sent me an email the check was good that it wasnt because my account is now negative the amount of the check and more. I am going to call them in the morning Im very upset I live on a limited income and I can not afford to replace this money I was obviously frauded out of, im just sick about it and I dont know what to do.. I will contact the bank tomorrow, I accidentally came across your app tonight. I am trying to fix my credit and Im so upset. I dont understand why people do this to other people. I was told that the check was good and so I went along with the process and lost my bed and now Im out all this money in my account, Im so upset Ive barely been able to eat.. Thank you.. be careful there are a lot of scammers out there and somehow the bank didnt know the check was bad at first..

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 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
One of my business checks was stolen from my home. The individual wrote the check And forged a signature and was able to go to my bank institution and cash the check for {$1700.00}. The bank called 2 days after they had cashed the check to ask if I authorized the check even though it had already been cashed. I filed a fraud claim the bank denied the claim because they say it was negligence on my part in not having the check under lock and key. The check was in my home office in a closed drawer. I filed a police report and turned that it to the bank and they still denied my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-17 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: FL

Complaint narrative:
Several times now when I try to file a dispute online I am asked a series of questions. A lot of the questions I am asked are items that doesnt show on my report at all and is unfamiliar to me I never done business with the company. After answering correctly I receive an message that states that the information I entered is incorrect. I have brought this issue up several times with this credit reporting agency and every time they are unwilling to assist or get it corrected. I most recently had to file a dispute over the phone and was told that it was nothing that can be done and Equifax doesnt have a department where any information that is asked for security questions online can be corrected which is ridiculous. Also they state that items cant be disputed which the other 2 agencies will dispute and remove items in a timely manner. Equifax will say it cant be disputed and its automatically removed but they has been several times where I end up disputing items anyway because it wasnt removed. The information on my report is completely different than what XXXX  and XXXX  reports but its the same companies which I dont understand as well also they remove items much faster than Equifax does when its disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
Chase Auto Finance, End of Lease Division, mailed me a bill for {$520.00} dated XX/XX/18 after I returned my leased vehicle to XXXX XXXX XXXX in XXXX, ME on XX/XX/18. I did not know or was expecting a bill, as the vehicle was paid in full and the car salesman at XXXX XXXX never told us to expect one. We moved from XXXX, XXXX to XXXX, XXXX on XX/XX/18, and my mail was forwarded. I did not receive the bill from Chase in the mail until XX/XX/18. The bill does not indicate a certain period of time to pay. I tried calling Chase to take care of this on Saturday morning XX/XX/18. The office was closed on the weekend, so I had to call and pay in full on Monday XX/XX/18. They had already posted a negative/delinquent remark to the credit bureau on Saturday morning XX/XX/18. After repeated calls, letters and faxes ( including from my attorney ) for them to remove this from our credit report, they have refused on several occasions. Below, please find a copy of the letter that my attorney sent to Chase to rectify this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I attempted to send payment to my landlord via XXXX, which I had done five or six times before without a problem. The transaction was scheduled for XX/XX/2019, and it reported as successful on my end. The money never arrived at my landlord 's bank. I re-sent my rent, again via XXXX, and it went through, but now I have been double charged for rent and have not been refunded for the initial missing payment. My landlord and I have both contacted his bank, XXXX XXXX XXXX, and they have no record of an inbound payment. I have contacted my own bank, Ally, several times. They closed the ticket the first time after giving me some confirmation numbers that were of no help. I contacted them again twice, with no resolution. They say they are reviewing it and that it can take up to 90 days, but I'll be missing {$700.00} from my account while they pass around my third ticket in their offices with seemingly no recourse. 

Summary : I sent {$700.00} from Ally Bank via XXXX to my landlord. It never made it to him, but it was deducted from my account. I want my {$700.00} 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 2019-01-17 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: VA

Complaint narrative:
On XX/XX/2018 I made my last payment to plain green because they were charging many fees and I found out they aren't legal to do business in my state. At that point I had paid them the amount that I borrowed. My next payment would have been due on XX/XX/2018. On XXXX XX/XX/2018 exactly 91 days after my last payment was due plain green reported the account closed and charged off to my credit 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