vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-20 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2021-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
Have made payments for a year now and my balance keeps going higher instead of lower

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 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I found recently out a few weeks ago and today that I am a victim of Equifax data breach in XXXX and that I had until XX/XX/XXXX to opt out of the Equifax Data Breach Class action suit which would allow me to seek a civil lawsuit against EqFx in the future for any adverse effects I suffer in the future as a result of the data breach. This is not fair since, I did not get properly notified in XXXX since in XXXX I was preoccupied with NYS accussing me of back taxes I owed them. Then in XX/XX/XXXX, I discovered that XXXX has violated my right to equal protection under the law as an adult victim of child abuse neglect and maltreatment nonsexual child victimization through it's XX/XX/XXXX Child Victims Act exclusive protections for XXXXXXXX XXXX XXXX XXXXictimization only. At these XXXX times, I never received any notice in the mail concerning any data breach in XXXX nor any deadlines to opt out by XX/XX/XXXX. So I wish to make a complaint to the CFPB about this since I am experiencing XXXX eqfx data breach adverse events while trying to utilize eqfx services per my credit report file with eqfx and eqfx id questions are not questions i am familiar with due to the corruptive nature of it's data breach and misinformation which eqfx is relying upon to verify my id whether over the phone or it's website in order for eqfx to provide me credit services which is normally free for all us citizens. So now, eqfx gets to double victimize me both in the data breach which eqfx didn't protect me from being victimized from and now after the fact, eqfx refuses to let me opt out of the class action suit by failing to properly notify me of the opt out deadline so I can choose to opt out and bring a legal suit against eqfx to help deal with future losses I will face in credit discrimination as a result of the XXXX eqfx data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
New York and company is reporting twice. Ive asked them to remove the error. I was told well if you pay your debt it will probably update. 
How can they report the same account twice with different amounts and payment dates? She yelled and disconnected the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20 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: PA

Complaint narrative:
I have previously disputed an account with this company which was sent on XX/XX/2021 and they received on XX/XX/2021 at XXXX XXXX. My Complaint is they stated the account was " Verified '' but the Status when it was last reported didn't Change. The date ( XXXX ) still remains and they violated FCRA laws by not Properly Conducting a full investigation and Updating the Status to the most recent date. If they really did an investigation they Should have updated the date to notify me they did the investigation following the FCRA rules. I both accounts removed from my credit report Or I will follow my lawyers advice and pursue legal action I saved every letter and note since I started to complain about this so I'm taking this very seriously

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 2021-03-20 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: CA

Complaint narrative:
There are 5 accounts on my credit report that are not mine I have been disputing these with the credit bureaus as well as the furnishers since XX/XX/2020 and no disputes have been opened and no one has contacted me to let me know what is going on. It is really time consuming to be chasing the Credit Bureaus to remove information that does not belong to me. 

These are the accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2021-03-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX  is reporting twice. Ive asked them to remove the error. I was told well if you pay your debt it will probably update. 
How can they report the same account twice with different amounts and payment dates? She yelled and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: AZ

Complaint narrative:
Law firm is showing I have a complaint, I have seen zero validation, this is a mistake and it must be taken off. This law firm is showing on my credit report without any contact. I have not received any validation that the account belongs to me. The collection was listed as open as of XX/XX/19 of {$6500.00}. I need for this collections to be removed from all credit reporting agency due to lack of validation. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX account was paid after it was sent into collections-Paid/Closed. 
XXXX keeps reporting I owe them I called XXXX to get my settlement letter and last payment to submit to XXXX and they wont provide the payment statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
When I lived at XXXX XXXX ( rent recovery 4K+ ) I was going thru a bad case involving XXXX  XXXX. This- because my XXXX  was released from jail and soon found me and made his way in ti my apt . It wasnt long before the abuse began and police as well as the office management were involved. I was defeated until I was opted the choice to live with my brother and move out. I had to break my lease to do so but XXXX, the assistant leasing agent, was very understanding and I was able to work out with her and XXXX the manager a deal where I could leave and make my payment for breaking the lease in small monthly payments and AVOID CREDIT REPORTING. After I moved I called several times and was told XXXX was no longer there but to bare with them- as soon as a new manager was placed I could work out the same agreement. I spent weeks calling until I finally drove back to that office to speak to them in person. This is when I met the new manager, who said sorry, its too late- its been sent go collections. Youll have to take it up with them. 
First- i was never given a fair chance to live up to my word and make small payments to pay off the debt. Second- why is everyone ignoring the fact that I had no choice but to break my lease to survive. Isnt a victim of XXXX protected by VAWA? Which i mentioned to both XXXX and XXXX. I would think even in an income restricted apartment complex they would do more to help me but instead I cant lease anywhere or even think to buy a home now that Im on my feet again. This debt is haunting me and they wont remove it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On today 's date, government supplied stimulus check, received notification it was received but would not be accessible until XX/XX/XXXX. My grandson, who also has a Navy Federal account, was given access to his stimulus check on this date. I believe Navy Federal is withholding due to seeing payments to be made on XX/XX/XXXX due to my Social Security check being deposited on that date, and will try to charge overdraft fees if the money is not readily there, as some banks have been known to do. Please look into this, IRS Treasury 310 Tax EIP3 Routing number XXXX, available XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
{$32000.00} was taken from my account via several unapproved transactions, and are denying the claim. My XXXX XXXX  account experienced the same fraudulent attacks, but they reimbursed me. 

This was my savings, and now I am left with nothing.

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 2021-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
I told them that this debt isnt mine and to provide proof. They did not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: Phoenix Financial Services LLC
State: IL

Complaint narrative:
I contacted the creditor that was listed on my credit report to inform the company that this account doesn't belong me, nor have I authorized anyone to use my information for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: NY

Complaint narrative:
I told them that this debt isnt mine and to provide proof. They did not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: LA

Complaint narrative:
XXXX account was paid after it was sent into collections-Paid/Closed. 
XXXX keeps reporting I owe them I called XXXX to get my settlement letter and last payment to submit to XXXX and they wont provide the payment statements.

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 2021-03-20 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: CA

Complaint narrative:
There are 4 accounts that are on my credit report and they are not mine I have been disputing these since last XX/XX/XXXX and nothing have happened. I have opened an FTC for these accounts. I have not gotten anything back from the bureaus or the furnishers. 

XXXX XXXXXXXX XXXX XXXX - Acct # XXXX XX/XX/XXXX U S DEPT OF EDXXXX - Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX DPT EDXXXX - Acct # XXXX Opened XX/XX/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 2021-03-20 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: CA

Complaint narrative:
There are 4 accounts that are on my credit report and they are not mine I have been disputing these since last XX/XX/XXXX and nothing have happened. I have opened an FTC for these accounts. I have not gotten anything back from the bureaus or the furnishers. 

XXXX XXXX XXXX XXXX - Acct # XXXXOpened XX/XX/XXXX U S DEPT OF EDXXXX - Acct # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX DPT EDXXXX - Acct # XXXX Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Avenue, XXXX, XXXX XXXX Wayfair Comenity accounts were all reported late to credit bureaus while enrolled in Comenity 's hardship program beginning XX/XX/XXXX. I enrolled in their program because of financial hardship due to a family death & lay off. Prior to this all payments were made onetime across all 4 Comenity accounts. 

My account was enrolled through XX/XX/XXXX, & autopay changed to new due dates on the XXXX & XXXX. 

In XX/XX/XXXX I received a message my account ( s ) was past due. When I called, I learned since completing the program, my due date ( s ) reverted back to the original due dates & Auto pay canceled. 

I contacted customer service on numerous occasions & was hung up on from representatives, & blind transferred back to their automated system without warning. I escalated to a supervisor ( XXXX ) & learned that I would need to reenroll each account in Autopay, and the XXXX & XXXX dates weren't permanent due date. I was also advised my account ( s ) were reported late despite auto pay on the new due dates payment. While the payments were received on time during the Program, their system reflected the full minimum payment & not the reduced amount under the program. I was told to dispute the late pays. 

When my credit bureau disputes came back verified/unchanged, I called to request correction & confirm if any payment history had been corrected. 

I was advised that their systems will not show account details from the hardship program in XXXX & would need to send an email to update each of the account ( s ). In addition to all 4 of my accounts reporting late for multiple months despite receiving written communication from Comenity that I successfully completed the program by making all payments on time, my credit limits were all reduced, & 1 account closed. 

I am in the process of buying my first home, & Comenity has ruined my payment history. Automated & electronic messages assuring commitment to help their cardholders during the pandemic & have been unable to resolve my request with representatives by phone, email, letters, & credit bureau disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report .It has been well over 30 days and I havent reviewed any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I unknowingly purchased a vehicle from dealership that had not been inspected and would not pass inspection. Following a lengthy amount of time i retuned vehicle due to the numerous potentially dangerous safety issues. The dealership then sold same vehicle on their lot for more than I owed for payoff. The dealer then filed with courts and i was unable to attend hearing they had scheduled. Giving courts false information the dealer i purchased auto from got a {$3000.00} judgement. Then the dealer turned judgement into installment loan which the court informed me was not legal. i spoke with dealership and they would not give me any of paperwork I requested which also is against the law ( to my knowledge ). The Transunion credit bureau has been reporting negatively on my credit report stating I owe {$9000.00} for numerous years. I have been unable to get response from dealership ( XXXX XXXX ) and am very frustrated that they are allowed to report fraudulent information and continue to cause damage to my credit score. 
XXXX XXXX located XXXX XXXX XXXX Utah has committed and have continued to commit illegal and fraudulent acts against myself along with 2 other persons i am aware of.

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 2021-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report .It has been well over 30 days and I havent reviewed any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: Synovus Bank
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report .It has been well over 30 days and I havent reviewed any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: GA

Complaint narrative:
I made a {$5000.00} credit card payment directly from my Synovus bank account. The payment was not applied, nor is the money in my account. The {$5000.00} just disappeared. I informed the bank and they stated that they were having an issue with the system and assured me that the problem would be fixed. Well, it has been 3 days and the money is still missing. I asked them to reverse the transaction, and they stated that they could not do it. So now I am out of {$5000.00} with no sign of recovering it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Cant login to my wellsfargo online account please help

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 2021-03-20 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
CARD I NEVER USED IS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation