vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 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: TX

Complaint narrative:
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 Addresses show tooltip button Select as many as apply XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX REAR XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX P XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX NEED XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX REAR XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX TEXAS XXXX, TX XXXX APARTMENT XXXX  XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX # XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX THST XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX COMPLEX XXXX XXXX P XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX XXXX b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: WI

Complaint narrative:
Well over XXXX days ago, I noticed an error regarding an account " XXXX XXXX XXXX XXXX XXXX  ''. In fact, I noticed several errors regarding this account on my credit report. XXXX of the errors shows late payments, derogatory status and included in a bankruptcy. XXXX of the other error shows a balance, no late payments and included in a bankruptcy. Since both of those were paid in full, not included in any bankruptcy and had XXXX late payments- there are serious discrepancies and errors. Upon addressing this with both XXXX and Experian, nothing was done. I contacted the creditor who could not find any information or signed contracts regarding the accounts in question. I sent another set of letters to XXXX and Experian asking for validation of the reporting information with zero results. Furthermore, it is my understanding that if an item disputed extends beyond XXXX days, the law requires that the disputed information must be removed from the credit report. XXXX  and Experian fail to comply.

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 2021-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
In XXXX of XXXX, I called Navy Federal Credit Union to discuss options for refinancing my home through them. After about a XXXX minute conversation, I supplied the necessary information for the application and was told I would be contacted shortly. Nearly XXXX days later, I contacted the bank to check the status since I never received a a response and was told I had no application. After some searching, the rep located my original application but it was never submitted as complete so I had to complete the application from the beginning. After this I was told I would receive documents to sign in the mail. After a couple weeks with no documents, I contacted Navy Federal Credit Union and was told my window to sign had expired. They sent electronic signatures but never notified me. After requesting new documents sent they still never arrived. I ended up signing electronic documents after requesting a third time. In XXXX of XXXX after not hearing any news and not being able to contact my mortgage processor, I was finally informed I was transfered to a new processor. This involved re-verifying all my in refinance. In XXXX of XXXX I supplied XXXX 's, bank statements and credit reports for myself and my XXXX. A few weeks later I received the first documents to review but the information such as interest rates was not what was promised. I sent it back and informed of the correct information. XXXX I received another electronic form, this time with the correct information and promptly returned it completed. After another couple weeks with no contact I was finally informed that my documents containing sensitive information had expired and would need more current versions. Most important of those being a XXXX  credit history report and moving my closing date yet again. Upon speaking to a supervisor, we agreed on a lower rate for my troubles. Once again, the incorrect information was used and needed correcting. Now, XXXX  days until the projected closing, Navy Federal Credit Union is requesting a XXXX credit check and possibly moving the date due to their negligence. Any attempt to contact my processor is met with resistance and leaving a message generates more excuses than it does responses. I have tried to be patient but they are making lasting negative effects on people 's financial and mental wellbeing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE MAILED A LETTER TO EACH COMPANY AND ASKED FOR THIS INQUIRE TO BE REMOVED FROM FROM MY CREDIT OR SEND ME ANY DOCUMENT THEY HAVE THAT I HAVE GAVE THEM AUTHORIZED TO PULL MY CREDIT REPORT XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
On XXXX I had called to a representative about the reasons for the overdrafts fees that had occurred on my checking account. The representative agreed that the charges should be credited to my account. She went through the charges that were on my account and credited the full amount in which she said she was to credit my account. I thanked her for her help and told her I didn't like the way XXXX  charges their consumers to keep them in debt and that I would like to close my account. On XX/XX/XXXX I receieved a statement to my email from XXXX  showing the credits I had spoke with the representative about and it also included my balance as of XX/XX/XXXX as XXXX ( the date I also closed my account ) I spoke to a rep in the recovery department at XXXX XXXX XXXXwho stated the account noted now say the account has been charged off because I had a transaction added to my account XX/XX/XXXX from the bank for a charge off of XXXX in which I have a statement and call where this was credited along with other credits to my account on XX/XX/XXXX and after account was closed a balance pops up XX/XX/XXXX I have received no notice or any information about a balance especially when I have received my last statement with balance at XXXX. I did not close my account until I had a XXXX balance. Its is being reported that I have an unpaid amount of XXXX which was included in the credits of my previous call to XXXX  and that the account was charged off in which the account was still open and at a XXXX balance at time of voluntary closure

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 2021-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On date XX/XX/2019 Capital One Auto Finance pulled my credit without my authorization from XXXX. Which is a violations under 15 usc 1681. Which clearly states that a person shall not use or obtain a consumer report for any purpose unless one the customer report is obtained for a purpose for which the consumer report is authorized to be furnished or two purpose certified in accordance with section 1681e title by prospective user of the report through a general specific certification. I XXXX XXXX did not initiate any type of transaction with Capital One Auto Finance Further more under the fdcra any person who knowingly and willfully obtained information on a consumer ( myself the consumer ) from a consumer porting agency under false pretenses shall be fined under title 18,. Im willing to settle the matter without why admitted liability for {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: SC

Complaint narrative:
I have reached out to XXXX XXXX XXXX to resolve this issue. They haven't sent anything to show that I owe anything to them. They haven't validated anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Attached you'll find my most current credit profile as of today XX/XX/XXXX from XXXX a paid service. There are highlighted areas within the attachment that I circled/pointed out as inaccurate and being reported incorrectly. 

XXXX XXXX There are several addressed on the XXXX  report that aren't mine at all. 

XXXX ) There is a Bank Of America Account starting number with XXXX that is reporting previous late payment However the whole account was agreed to be full deleted from my credit report back in XXXX of XXXX by Bank of America. 

XXXX XXXX There are several Hard Inquires highlighted at the bottom of the report that were Not Authorized and I believe to be Fraudulent.

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 2021-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX branch have been closed in diverse socio-economic locations. This is causing struggle and harm to people & businesses in the area. The locations at XXXX XXXX XXXX, XXXX XXXX CA XXXX and XXXX XXXX, XXXX, CA XXXX. I find this unacceptable that residents and business owners are forced to go over a XXXX away for another branch. These branches are staples in the community and have been in operation at these locations for several decades.

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 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I had XXXX XXXX XXXX XXXX XXXXXXXX contract that ended. I returned the equipment to XXXX XXXX XXXX using XXXX. XX/XX/XXXX - Each piece of equipment was scanned by XXXX and packed up for shipment. A few months went by and XXXX XXXX XXXX sent the account to collections. Around XXXX I called them and asked why they had it in collections when I had sent the equipment back months ago. 

They told me due to covid they were short staffed and returns were taking longer to process. They escalated the case and later stated that the equipment was found and they would correct the collections report. Months later it was sold to a collections agency. 

Im drained from fighting with these corporations it seems there is no way to win other than paying for equipment THAT I ALREADY RETURNED. Please help me! I can not afford to pay {$530.00} nor should I have to since I fulfilled the contract agreement. COVID shouldnt be an excuse to take my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: TX

Complaint narrative:
Experian has not updated my accounts from a Charge-OFF. I have XXXX accounts XXXX. XXXX XXXX and XXXX XXXX which were sold to collection companies. Both of the accounts have been settled. I uploaded the documentation -settlement letters and resolution letters for both accounts. Since the collections companies do not orsubscribe to Experian. Experian will not update the accounts. 
I uploaded the letters resolution and settlement letters on XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX. Within XXXX hours Experian closed the dispute without contacting the current creditors on the accounts. This laziness from Experian is hurting my credit as I am applying for financing. Experian states they can not update the new updated information unless the collection agencies subscribe to Experian. I am going in cirlces. The collection agenices have confirmed that the accounts have been settled.

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 2021-04-21 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On date XX/XX/2021 JPMCB Card pulled my credit without my authorization from experian. Which is a violations under 15 usc 1681. Which clearly states that a person shall not use or obtain a consumer report for any purpose unless one the customer report is obtained for a purpose for which the consumer report is authorized to be furnished or two purpose certified in accordance with section 1681e title by prospective user of the report through a general specific certification. I XXXX XXXX did not initiate any type of transaction with JPMCB Card Further more under the fdcra any person who knowingly and willfully obtained information on a consumer ( myself the consumer ) from a consumer porting agency under false pretenses shall be fined under title 18,. Im willing to settle the matter without why admitted liability for {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting several debts on my credit file on my account as well as my wife 's and I would like them removed. I have settled these debts with you and ask that you please remove these accounts from my credit file. As granted by the Fair Debt Collection Practices Act, I have the right to dispute this account. 
I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I have settled the debt with you and am now asking for you to provide a letter to the bureaus stating this account should be removed from my credit file. 
Please provide a letter from your company agreeing to the terms. This letter should be signed by an authorized agent of Express Recovery. If I do not receive a deletion letter in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under to the law to enforce the removal, including but not limited to institution of legal proceedings against you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
A medical bill was sent in error by my provider, XXXX XXXX XXXX to XXXX XXXX. 
There was a miscommunication between XXXX XXXX XXXX and my Insurance carrier regarding billing codes that was in the process of being sorted out when it was accidentally sent to collections. XXXX XXXX apologized for the error ( it was an honest clerical mistake, they have been very professional ) and suggested I notify Congress Collection who handles their collections and explain the situation. They assured me that Congress would pull the account back. I notified Congress Collection immediately. I was encouraged to pay the outstanding balance now even though it was still being sorted out between insurance and provider so that when it was removed, it would not be re-reported the next month all over again. It was suggested that if the final bill ended up being less that the full amount that maybe I could turn to my insurance carrier for reimbursement. I ( naively ) went ahead and paid the account through the website and immediately called back to report my payment and confirmation number and asked when I could expect to see it removed from my credit reports. I was flatly told, " Oh, we never remove items from a credit report. '' I. WAS. LIVID. It was the absolute opposite of what we discussed. So not only was this entire account sent to collections in error to begin with but I paid it upfront as the Congress representative suggested so that once removed from my reports it would not be re-reported. I have disputed the account numerous times and yet they refuse to remove the account ( that was not even supposed to be there in the first place! ) I reached out to XXXX XXXX XXXX and they apologized for the ongoing issue and sent me an official letter for both XXXX  and XXXX  requesting the account be removed from my trade lines once and for all. I simply want this account removed from my credit reports. It is the one and only negative account on any of my reports, was added in error and even the original creditor has written a statement asking for it to be removed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
ONLINE COLLECTIONS reported their account to my credit files on XX/XX/2020. ONLINE COLLECTIONS received a validation notice from me via priority mail and ONLINE COLLECTIONS did not respond with validation that proves their account belongs to me. I also requested a letter from an authorized representative of ONLINE COLLECTIONS and my request was ignored. 

Recently I mailed all documents to each bureau involved. 

ONLINE COLLECTIONS is reporting to XXXX, XXXX, and XXXX  as Collection Department / Agency / Attorney. 

ONLINE COLLECTIONS is a debt collector for XXXX XXXX and ONLINE COLLECTIONS is not an accredited legitimate business and I dont know they received my personal information.

Company response to consumer: Closed with explanation