vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on AMERICAN EXPRESS. Per FCRA, reporting must be 100 % accurate or the informations must be deleted. 

AMEX XXXX Balance {$1600.00} ; AMEX XXXX Balance {$0.00} ; AMERICAN EXPRESS XXXX Balance {$0.00} ; AMERICAN EXPRESS XXXX Balance {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on MACY'S/DSNB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

MACY'S/DSNB XXXX Balance {$910.00}

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 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

DISCOVERBANK XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
I only have one address XXXX XXXX XXXX XXXX XXXX Tx XXXX. 

All other addresses should be removed they do not belong to me and are causing issues with my credit, I am a victim of Identity theft. 
Please remove all incorrect information 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 2022-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I applied to buy my XXXX XXXX XXXX lease when the end of lease came which was XX/XX/XXXX. Despite many phone calls I made trying to get in touch with XXXX Financial was impossible. I was approve for the car loan ( $ XXXX x 5yr term ) and when I spoke to representative which was impossible to get through it would only take a few days. I was approve in XXXX During this time I received no bills, notices just obscures document which I had notarized twice because my address changed they said. I finally spoke with Rep agent on XX/XX/XXXX XXXX XXXX and he explained that I have to sent in the payment for {$1100.00} before they can begin working on the converting the lease to me purchasing it, along with sending insurance, Registration, and my Driver 's license ( I sent this in two other times as well. None of the letters said what the representative said to do. I finally spoke with XXXX XXXX who was nice and I finally sent in a payment on in which she accept a payment of {$570.00} directly taken from my checking account was on XX/XX/XXXX.She assured me that my account is fine and the conversion will be complete and I will be paying on the loan and the car is mine. So, on XX/XX/XXXX ( XX/XX/XXXX Morning as I'm working ) I get a phone call from XXXX XXXX XXXX XXXX telling me that he is letting me knoe that he's scheduled to re-possess my car for lack of payment. I called XXXX XXXX and she assured me that this was a mistake and someone in another department made a mistake. I also recieved a letter from XXXX XXXX Notice of Default/Right to Cure and intentions dated XX/XX/XXXX for total payment of $XX/XX/XXXXSined agent XXXX XXXX XXXX XXXX ON XX/XX/XXXX my credit report had that I'm 90 days late casuing my credit to tank XXXX points which is crazy!. I'm in a process of purchasing a second home and this can cause me to pay tens of thousands more on home loan. There has been so much damage to my credit report and it needs to be fix at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
FCRA VIOLATIONS : SEE ATTACHMENTS : NOT MY NAME : XXXX XXXX NOT MY ADRESSES : XXXX XXXX XXXX XXXX XXXX, TX XXXX NOT MY INQUIRIES : XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX NOT MY ACCOUNT : XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$47000.00} written off. 


XXXX XXXX XXXX Account Number XXXX  XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX XXXX Months Reviewed 19 Activity Designator Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$24000.00} Credit Limit {$0.00} High Credit {$47000.00} Available Credit $ XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXXXX/XX/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 2022-02-08 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:
FCRA VIOLATIONS : SEE ATTACHMENTS : NOT MY NAME : XXXX XXXX NOT MY ADRESSES : XXXX XXXX XXXX XXXX XXXX, TX XXXX NOT MY INQUIRIES : XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX NOT MY ACCOUNT : XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$47000.00} written off. 


XXXX XXXX XXXX Account Number xxxxxx XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX XXXX Months Reviewed 19 Activity Designator Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$24000.00} Credit Limit {$0.00} High Credit {$47000.00} Available Credit $ XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  / XXXX / {$1100.00} ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-02-08 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: NC

Complaint narrative:
Equifax won't allow disputes on the website and will not respond to mail. Reporting inaccurate and fraud information after being disputed. The last dispute I sent to Equifax via CFPB they responded by saying the account was not on my report after I attached the statement. Their reason was the name of the account did not match. Three days after I receive the response, I get a notification from XXXX XXXX saying I have updated information. Equifax closed my dispute as invalid and then proceeded to update the account to the correct name. They also continue to repost or refuse to remove invalid accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: NJ

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 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 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This loan paid off before it transferred to SPS. I have provided enough documents since early XXXX and tried to communicated with SPS multiple times to resoled the issue. However, they have not done anything so far to close this load and now sending me " Notice of Default ''.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
FCRA VIOLATIONS : SEE ATTACHMENTS : NOT MY NAME : XXXX XXXX NOT MY ADRESSES : XXXX XXXX XXXX XXXX XXXX, TX XXXX NOT MY INQUIRIES : XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX NOT MY ACCOUNT : XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$47000.00} written off. 


XXXX XXXX XXXX Account Number XXXX XXXXXXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX XXXX Months Reviewed 19 Activity Designator Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$24000.00} Credit Limit {$0.00} High Credit {$47000.00} Available Credit $ XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXXXX/XX/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 2022-02-08 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: TX

Complaint narrative:
I only have one address XXXX XXXX XXXX XXXX XXXX Tx XXXX. 

All other addresses should be removed they do not belong to me and are causing issues with my credit, I am a victim of Identity theft. 
Please remove all incorrect information 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 non-monetary relief
Consumer complaint received 2022-02-08 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:
I only have one address XXXX XXXX XXXX XXXX XXXX Tx XXXX. 

All other addresses should be removed they do not belong to me and are causing issues with my credit, I am a victim of Identity theft. 
Please remove all incorrect information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on ALDOUS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

ALDOUS ( original creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: FL

Complaint narrative:
I submitted disputes to XXXX, Equifax and XXXX about Hard inquiries that I did not recognized. I sent in a dispute letters in XX/XX/XXXX via priority mail. ( I will attach tracking number below ) to each Credit bureau and did NOT receive a letter, call or any explanation of why the inquiries can not be removed. I did call to see if they received it and they said they did. I called in XX/XX/XXXX and they did not give me any details of anything but, even if they did it was past the time they were supposed to get back to me within the 30 to 45 day period and I still have not received or heard anything from the credit bureau. I have 5 hard inquiries I do not recognize and I did not approve any hard inquiry for them to use. I did not give any permission for this and I do NOT have any accounts that I pay with these companies and they should be removed. These are the accounts below with the hard inquiries. 

XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CAINE & WEINER COMPANY. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

CAINE & WEINER COMPA ( original creditor : XXXX ) XXXX Balance {$1500.00} ; CAINE & WEINER COMPA ( original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$79.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOVERY. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

PORTFOLIO RECOV ASSOC ( original creditor : XXXX XXXX XXXX ) XXXX Balance {$1600.00} ; PORTFOLIO RECOV ASSOC ( original creditor : XXXX XXXX ) XXXX Balance {$1300.00} ; PORTFOLIO RECOV ASSOC ( original creditor : XXXX XXXX ) XXXX Balance {$870.00} ; PORTFOLIO RECOVERY A ( original creditor : XXXX XXXX ) XXXX  Balance {$1300.00} ; PORTFOLIO RECOVERY A ( original creditor : XXXXXXXX XXXX ) XXXX  Balance {$870.00} ; PORTFOLIO RECOVERY A ( original creditor : XXXX XXXX XXXX ) XXXX  Balance {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all old/incorrect addresses from 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
Consumer complaint received 2022-02-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SSN XXXX Submitted request to remove incorrect data from my credit report as of XX/XX/2021 and got no update from credit reporting company. 

XXXX XXXX Act # XXXX This account is inaccurate. Please remove. 
XXXX XXXX This account is incorrect. Please remove. 
XXXX XXXX XXXX This account is inaccurate and needs to be removed.

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 2022-02-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SSN XXXX Submitted request to remove incorrect data from my credit report as of XX/XX/2021 and got no update from credit reporting company. 

XXXX  XXXX Act # XXXX This account is inaccurate. Please remove. 
XXXX XXXX This account is incorrect. Please remove. 
XXXX XXXX XXXX This account is inaccurate and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
On XX/XX/21 my XXXX XXXX XXXX balance was PAID IN FULL online. On XX/XX/21, a {$2.00} " interest charge '' was charged on a ZERO balance, which is arbitrary and fraudulent. This charge was discovered on XXXX thanks to credit reporting apps showing my payment was " late ''. I immediately paid fraudulent interest and disputed via customer service call with XXXX XXXX XXXX. The money was refunded/reversed to me but there is still a derogatory remark on my credit. Me and my mortgage company received a letter refusing my dispute.

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