vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I contacted the company multiple times over the years regarding about this account. still remain on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My first round of disputes started at the beginning of XXXX. Everything I disputed came back verified and updated however my second round started at the beginning of XXXX. But I noticed there was a lot of incorrect information so my second round was more about getting all the incorrect information removed. I have the results saying that the addresses and other incorrect information have been removed but all of the items that's attached to those incorrect addresses and names and information is still reporting on my credit report. I have not submitted my third round yet because I don't want them to just say they updated it. Multiple inaccuracies across all XXXX  bureaus

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 2023-05-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My first round of disputes started at the beginning of XXXX. Everything I disputed came back verified and updated however my second round started at the beginning of XXXX. But I noticed there was a lot of incorrect information so my second round was more about getting all the incorrect information removed. I have the results saying that the addresses and other incorrect information have been removed but all of the items that's attached to those incorrect addresses and names and information is still reporting on my credit report. I have not submitted my third round yet because I don't want them to just say they updated it. Multiple inaccuracies across all XXXX  bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Do not have a contract with Convergent Outsourcing - Contract Violation. Did not give them the Social Security number - Identity Theft. And, per 15 U.S. Code Section 1681c, no adverse item other than records of convictions of crimes are to be reported to the credit bureaus. Convergent XXXX has multiple violations and I want to be compensated for their attempted barratry.

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 2023-05-28 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: IA

Complaint narrative:
I did not Authorize XXXX XXXX to  run my credit and I have already sent them a letter and waited XXXX BUSINESS DAYS to remove all hard inquiries that are unauthorized There is XXXX unauthorized inquiries on my XXXX report there are XXXX on my transunion report and there is XXXX on my XXXX report and capital one does not have my authorization to to run my credit therefore there should be no hard inquiries and I have tried to resolve this by phone mail and email. 
The XXXX XXXX and XXXX XXXX XXXX also do not have my authorization to run my credit and also I have no open accounts with either of them and I want these removed 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 2023-05-28 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: IA

Complaint narrative:
I did not Authorize XXXX XXXXXXXX to run my credit and I have already sent them a letter and waited XXXX BUSINESS DAYS to remove all hard inquiries that are unauthorized There is XXXX unauthorized inquiries on my Equifax report there are XXXX on my XXXX report and there is XXXX on my XXXX report and capital one does not have my authorization to to run my credit therefore there should be no hard inquiries and I have tried to resolve this by phone mail and email. 
The XXXX XXXX and XXXX XXXX XXXX also do not have my authorization to run my credit and also I have no open accounts with either of them and I want these removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I did not Authorize XXXX XXXXXXXX to run my credit and I have already sent them a letter and waited XXXX BUSINESS DAYS to remove all hard inquiries that are unauthorized There is XXXX unauthorized inquiries on my XXXX report there are XXXX on my XXXX report and there is XXXX on my Experian report and capital one does not have my authorization to to run my credit therefore there should be no hard inquiries and I have tried to resolve this by phone mail and email. 
The XXXX XXXX and XXXX XXXX XXXX also do not have my authorization to run my credit and also I have no open accounts with either of them and I want these removed 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 2023-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Creditor name credit collection service it has no contact information or nothing it should not be on my credit report and I don't owe anything this should be removed from my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX pulls from XXXX credit card companies still appear on my report while they have been removed from both XXXX and XXXX. Both show only XXXX from XXXX XXXX. 

The XXXX that have been removed but remain on Transunion are : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has accessed over {$1000.00} of fees to my checking and auto accounts through out my banking with them

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Everything I try to do or go to do is not accepted I try to access anything for myself or family benefits of them passing away and I am not allowed to do anything. I always get re routed and told a bunch of use less information. I am having trouble with my attorneys and receiving the payment from the sale of my house. Please help me I really am in a bad situation asap.

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 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has failed to report taxes to the IRS and failed to fully discharge the account. Please forward this information to the XXXX XXXX to fully reconcile this account and deposit my securities into my Wells Fargo checking account. Enclosed please find IRS reporting. Please fix it as necessary. 

Thank you, beneficiary

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 2023-05-28 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:
XXXX XXXX INQUIRED/OPENED CC ACOUNT WITHOUT MY PERMISSION XXXXXXXX XXXX XXXX XXXX SAME XXXX XXXX  : SAME XXXX : SAME ( TWICE ) XXXX  XXXX XXXX : SAME XXXX XXXX : SAME XXXX XXXX : SAME XXXX XXXX : SAME

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 2023-05-28 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: MA

Complaint narrative:
I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Regrettably, Experian has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in resolving these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ) - The information indicated on the above account is imprecise. The stated balance of {$2000.00} is higher than my recollection. Additionally, I request the removal of the amount indicated in the Past Due section, as this account has a closed and charged-off status. I intend to communicate with the creditor to clarify the reported data. Until the appropriate corrections are made, I kindly request Experian to mark this account as disputed. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} ) - The above account does not belong to me, and I request Experian to remove the late payment associated with it.

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 2023-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This account has been fully discharged and satisfied. I never had a contract with Shellpoint. They have never been authorized to access the SSN. I never gave them a SSN. That is Identity theft. Further, pursuant to 15 U.S. Code 1681c, no adverse information other than convictions of crimes is to be reported on the credit report. They have no authority whatsoever to mar my credit reporting. They are to pay all taxes owed to the IRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Several attempts have been made to clear this debt that this company has listed as opened and past due car was totaled out and repossessed by insurance and gap insurance coverage and company has refused to close making negative marks on my credit since 2019

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 2023-05-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/2023 Ive called ( experien ) credit reporting agency.. well as ( XXXX ) credit reporting agency well as ( XXXX  ) credit reporting agency Ive sent my drivers license social security card a bill from my home.. I cant see my credit score at all I been paying ( Experian ) for there services..they didnt update my credit score at all..Im trying to get ( apartment )..

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 2023-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
An individual unknown to us obtained check # XXXX in the U.S. Mail and forged the payee name on the check to themselves, forged the signature and got paid from JP Morgan Chase on XXXX separate instances with the same check : once on XX/XX/2022 ( {$12000.00} ) and again on XX/XX/2022 ( {$12000.00} ) for a total of {$25000.00}. We discovered the fraud on XX/XX/2022 when we received our bank statement in the mail and reported it to Chase immediately by phone and in person at our local branch. We were instructed to obtain a police report and the claim was submitted to the bank 's fraud department. Chase returned to us the money that was taken on XX/XX/2022 but denied returning the money taken in XXXX, citing their policy that such claims must be made within 30 days of discovery of the fraud. We didn't discover the fraud until XXXX. As we receive our bank statements in the mail, we evidently did not receive the XXXX statement as it was probably lost in the mail. Had we received the statement we would of course would have reported this theft as we did in XXXX. We filed complaints with the executive offices at Chase and they denied returning the first {$12000.00} even though they paid out on the same exact check, on XXXX different occasions, even with the same check number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
This is account advises that I opened XX/XX/2023. I've sent credit reporting letter from XXXX XXXX to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
Im a victim of identity theft. Ive reported numerous times and has freezes place on all 3 credit bureau. However Affirm is still reporting false information to XXXX. Fraudulent accounts charge off that does not belong to me. I have disputed this account over 3 times I have filed police report and FTC report and signed affidavit with Affirm stating this is a Fraudulent account. Affirm keeps reporting this account is accurate and Im responsible for account. This is not my account. The affirm account change off amount is {$2200.00} date XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
LISTED COMPANIES IN REPORT # XXXX, XXXX AND XXXX NEED TO BE APPRAISED OF THIS SITUATION OF IDENTITY THEFT.

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 2023-05-28 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:
Experian changed my name on my profile from XXXX XXXX XXXX to XXXX XXXX without my consent and I sent a copy of my social security card and Id already on my driver 's license and it says XXXX XXXX XXXX they keep changing it to verify and validate a debt I am one person not two people then once you remove it remove everything else from my credit report that that says XXXX XXXX warning by messing with my name you are in violation and are commiting identity theft

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 2023-05-28 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: PNC Bank N.A.
State: FL

Complaint narrative:
LISTED COMPANIES IN REPORT # XXXX, XXXX AND XXXX NEED TO BE APPRAISED OF THIS SITUATION OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: DISCOVER BANK
State: FL

Complaint narrative:
LISTED COMPANIES IN REPORT # XXXX, XXXX AND XXXX NEED TO BE APPRAISED OF THIS SITUATION OF IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 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: U.S. BANCORP
State: FL

Complaint narrative:
INSTITUTIONS MADE INQUIRIES WITH FRAUDLENT INFO/IDENTITY THEFT INFO AND OPENED ACCOUNTS W/OUT MY PERMISSION/CONSENT

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 2023-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I submitted a bill payment which was mailed by my bank for my monthly mortgage payment of {$1800.00} to LoanCare , LLC. I called LoanCare on XX/XX/XXXX to determine why the payment was not applied to the account to avoid the late penalty that triggered on XX/XX/XXXX. 

They claimed that they had not received the payment. I then logged in to my account approx. eight days ( XX/XX/XXXX ) later to see the payment history to see if the payment was recorded. It was not. I then logged in to my account on XX/XX/XXXX, and the payment has magically appeared with an applied date of XX/XX/XXXX. 

So LoanCare is lying about when mailed payments are arriving and conveniently applying them to the account after the due date causing late fees. It does not take 15 days for mail to go from XXXX, OH to XXXX, PA. The states are adjacent and mail takes at most three days. 

This behavior is unacceptable and 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 2023-05-28 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: NJ

Complaint narrative:
XX/XX/2023 Ive called ( XXXX ) credit reporting agency.. well as ( XXXX ) credit reporting agency well as ( transUnion ) credit reporting agency Ive sent my drivers license social security card a bill from my home.. I cant see my credit score at all I been paying ( XXXX  ) for there services..they didnt update my credit score at all..Im trying to get ( apartment )..

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 2023-05-28 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: NJ

Complaint narrative:
XX/XX/2023 Ive called ( XXXX  ) credit reporting agency.. well as ( Equifax ) credit reporting agency well as ( transUnion ) credit reporting agency Ive sent my drivers license social security card a bill from my home.. I cant see my credit score at all I been paying ( XXXX ) for there services..they didnt update my credit score at all..Im trying to get ( apartment )..

Company response to consumer: Closed with explanation