vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been dealing with Equifax and XXXX regarding late payments reporting falsely on my credit report. They keep giving me generic responses. However I have provided them PROOF that it was on time. XXXX told me they can't fix it on their end and I had to talk to the bureaus. It's just the run around. This is harming me. And it's falsely reporting. My payments have always been on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REQUESTED MY FREE ANNUAL CREDIT REPORT 3 TIMES AND I HAVE NOT RECEIVED IT YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: CA

Complaint narrative:
I have been dealing with XXXX and TransUnion regarding late payments reporting falsely on my credit report. They keep giving me generic responses. However I have provided them PROOF that it was on time. XXXX told me they can't fix it on their end and I had to talk to the bureaus. It's just the run around. This is harming me. And it's falsely reporting. My payments have always been on time.

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 2021-10-11 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: LoanCare, LLC
State: CA

Complaint narrative:
I have been dealing with XXXX and XXXX regarding late payments reporting falsely on my credit report. They keep giving me generic responses. However I have provided them PROOF that it was on time. Loancare told me they can't fix it on their end and I had to talk to the bureaus. It's just the run around. This is harming me. And it's falsely reporting. My payments have always been on time.

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 2021-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Since XX/XX/2021 I have been filing a complaint against XXXX XXXX XXXX Equifax and XXXX XXXX XXXX Bank - Account XXXX Great XXXX XXXX  XXXX Account XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX No investigation has been opened on my behalf. Also have sent request for Debt validation and have not received anything back from the creditors or collection agencies regarding my dispute. The bureaus are now considered being in direct violation of the FCRA guidelines and also the collection agencies are now in direct violation of the FDCPA guidelines. The timeframe for an investigation has now passed and I am requesting within my consumer rights for a permanent deletion of the accounts listed above. I have attached the disputes that was sent in the to creditors/collections agencies and to the bureaus with no regards are response back. I have also attached my Driver 's License, Utility Bill and Social Security card for proof of my identity. Please consider this my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TX

Complaint narrative:
company has not responded to dispute of misleading and inaccurate reporting as we have now past 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
There were multiple transactions completed without my authorization on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Wells Fargo as soon as I saw that my account had multiple unauthorized charges to report the incident as fraud. 
XXXX {$400.00}, {$9.00} XXXX {$19.00}, {$10.00}, {$4.00} XXXX {$28.00}, {$27.00} As I remember correctly these charges were in different cities from when I looked at my statement prior to calling them. 
I did what I believe to be the correct thing in reporting these charges as fraud as I did not authorize them, nor have possession of my card at the time of noticing the charges. I received in the mail a letter that Wells Fargo deemed these charges as not fraudulent and was re-billed.

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 2021-10-11 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX & XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I contacted XXXX XXXX to dispute the charges on my credit card that was made to XXXX XXXX. I spoke to them many times, filed a dispute with bank, reported fraud to the bank, and wrote a letter to the bank. After my last attempt in XX/XX/2020, XXXX XXXX  advised me to write a letter to them. I wrote a letter to them and mailed it on XXXX never received a call or documents replying to my letter. The only letter I received from XXXX XXXX was dated XX/XX/2020 stating they closed and charged off my account and sold to Midland Credit Management as of XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REQUESTED MY FREE ANNUAL CREDIT REPORT 3 TIMES AND I HAVE NOT RECEIVED IT YET.

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 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was a {$350.00} transaction paid by my Bank of America credit card through XXXX on XX/XX/21 which went onto dispute. 

The dispute continued with Bank of America 's process and a full refund of {$350.00} was issued on XX/XX/21. 

XXXX issued a temporary credit of {$140.00} back to the credit card on XX/XX/21 The problem is that then on XX/XX/21 XXXX reversed the {$140.00} temporary credit from my XXXX account instead of the credit card account. Bank of America made ANOTHER reversal of {$140.00} from the credit card on XX/XX/21. 

Basically, the {$140.00} credit was issued once and reversed TWICE. Bank of America says it's XXXX 's issue and XXXX says it's Bank of America 's issue. 

Someone needs to re-issue the {$140.00} credit back to me.

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 2021-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Claimed there was suspicious activity on my account when there wasn't and didn't allow me access to my funds. Requested documents to restore my account that I didn't have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
Navient keeps providing and then verifying incorrect information to credit bureaus, ruining my credit rating unfairly. Navient is reporting different information to all bureaus, they are reporting a charge off or a late mark every single month on accounts that have been closed for almost 7 years. I sent a debt validation letter to the Bureaus on XX/XX/20. Navient verified all of the information which is different for each bureau on the same account. How is this validated if all the information is different? I sent a factual dispute to the bureaus, they spoke to Navient and even though there is proof in the letters and a detailed breakdown of what information is wrong, they still validated the incorrect information. Since you are purposely providing incorrect information about these six charge off accounts to the bureaus in an attempt to ruin my credit, I want them all removed from all of the credit bureaus immediately or I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: OR

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TX

Complaint narrative:
Company has not responded to my request for investigation about inaccurate and invalid reporting to my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This company XXXX XXXX XXXX has violated the Fair Credit Act I never received anything in the mail regarding any of these balances. I have no knowledge of these balances and I am disputing every last charge from XXXX XXXX XXXX. XXXX XXXX XXXX reported three ( 3 ) accounts and I want them removed immediately, I was not notified directly to dispute these accounts. 

XXXX XXXX XXXX -acct # XXXX for {$220.00} XXXX XXXXXXXX XXXX-acct XXXX XXXX for {$160.00} XXXX XXXX XXXXacct # XXXX for {$160.00} Maybe I should contact an attorney and sue this company XXXX XXXX XXXX  for damaging my credit report with these accounts and balances. I will if accounts are not removed immediately from all three ( 3 ) credit 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 2021-10-11 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: American First Finance, Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on AMER FST FIN. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove or update the following accounts : XXXX XXXXXXXX XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXXBalance $ XXXX Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CO

Complaint narrative:
My home was appraised by XXXX XXXX at a 10 % increase in value over the past 14 months. The appraisal misrepresented my home so I objected to the appraisal. I keep requesting a reason why my home doesn't at least follow national averages or XXXX market average where 15-20 % increase over the last 12 months. Better Mortgage even shows on their site 22 % overall increase. 

My homes value was compared to home that sold 12 months ago by someone out of state. I found a newer purchase around the corner from me and they would not accept it as a comparison, they wont correct the miss representation of my home. 

Lender say appraiser wont change report, I want proof that they even asked them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In XXXX of XXXX, my FFEL student loan for the amount of {$55000.00} was marked as forgiven by XXXX and the US Department of Education due to the fact I am a XXXX XXXX XXXX veteran. 
XXXX the loan holder was contacted about this and in XX/XX/XXXX the loan was no longer on my credit and my account was shown as closed. 
In XXXX of XXXX I noticed I had a delinquent student loan for the amount of {$24000.00} showing on my credit report. When I contacted XXXX they told me that my loan that was forgiven was a consolidated loan with my Ex-wife of 11 years, so the {$24000.00} had to be paid by me since she was not paying. I received no information on this until it was delinquent and negatively affecting my credit. My credit score dropped from XXXX to XXXX because of this action. I paid all fees to bring the loan current and I have been paying this loan since then. 
In XXXX of XXXX I noticed on my credit report that XXXX was now reporting the {$24000.00} student loan of my wife 's and they had added back the original student loan, but increased the amount to {$66000.00}, which is an increase of {$10000.00}. So now showing on my credit report is a loan for {$66000.00} and a loan for {$24000.00}. 
I would like to be clear on this math, my original student loan amount that was forgiven was {$55000.00}, now my student loan debt showing on my credit report is {$90000.00}!!!! How can this be??? 
I have contacted all credit bureaus and disputed this reporting, all say the reporting is correct. I have contacted XXXX by telephone and their dispute process. They will remove the error on one reporting cycle, then in a couple of weeks I receive a letter saying the reporting can't be changed and the next credit cycle it is back on my credit and my score drops drastically. I have called every person at XXXX that will talk to me but no one will fix this continuing error. 
I am a XXXX veteran on a fixed income, needless to say this is very negatively affecting my quality of life and living situation. I have called and sent letters to every resource I can and I can't get any help on this 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 2021-10-11 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: OK

Complaint narrative:
In XXXX of XXXX, my FFEL student loan for the amount of {$55000.00} was marked as forgiven by XXXX and the US Department of Education due to the fact I am a XXXX XXXX XXXX veteran. 
XXXX the loan holder was contacted about this and in XX/XX/XXXX the loan was no longer on my credit and my account was shown as closed. 
In XXXX of XXXX I noticed I had a delinquent student loan for the amount of {$24000.00} showing on my credit report. When I contacted XXXX they told me that my loan that was forgiven was a consolidated loan with my Ex-wife of 11 years, so the {$24000.00} had to be paid by me since she was not paying. I received no information on this until it was delinquent and negatively affecting my credit. My credit score dropped from XXXX to XXXX because of this action. I paid all fees to bring the loan current and I have been paying this loan since then. 
In XXXX of XXXX I noticed on my credit report that XXXX was now reporting the {$24000.00} student loan of my wife 's and they had added back the original student loan, but increased the amount to {$66000.00}, which is an increase of {$10000.00}. So now showing on my credit report is a loan for {$66000.00} and a loan for {$24000.00}. 
I would like to be clear on this math, my original student loan amount that was forgiven was {$55000.00}, now my student loan debt showing on my credit report is {$90000.00}!!!! How can this be??? 
I have contacted all credit bureaus and disputed this reporting, all say the reporting is correct. I have contacted XXXX by telephone and their dispute process. They will remove the error on one reporting cycle, then in a couple of weeks I receive a letter saying the reporting can't be changed and the next credit cycle it is back on my credit and my score drops drastically. I have called every person at XXXX that will talk to me but no one will fix this continuing error. 
I am a XXXX veteran on a fixed income, needless to say this is very negatively affecting my quality of life and living situation. I have called and sent letters to every resource I can and I can't get any help on this issue.

Company response to consumer: Closed with explanation