vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-09 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: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I am trying to correct the error ao my credit profile that is really causing mea lot of setbacks. I have someone else 's name on my credit that DOES NOT belong to me.My legal and full name is XXXX XXXX XXXX please DELETE any other variation of myname ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). 
I amemployed at XXXX XXXX  XXXX. My current and only address is XXXX XXXX XXXX, OH XXXX. I was a victim of fraud and I am trying to protect the integrityof my profile. Please delete the following fraudulent addresse : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: ND

Complaint narrative:
XXXX had made an error on a mobile phone account, billing me for over a year as XXXX phones and XXXX mobile lines, when i only owned XXXX phone and XXXX mobile line. They admitted fault and said it was an issue on their end, and stated I don't need to worry about the false charge and it would be taken care of after over XXXX hours of customer service calls trying to get to the bottom of it. Then they sent it to collections with these Jefferson capital folks apparently, instead of covering their wrongdoing. Now the Jefferson capital folks are wrongly reporting a debt on my credit report. This started over 5 maybe 6 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: NJ

Complaint narrative:
I am writing in reference to XXXX, XXXX, and Experian. These credit bureaus have ignored repeated request to correct multiple errors reporting on my credit report. Per the Fair Credit Reporting Act everything being reported by the credit bureaus should be identical! However, the credit bureaus have failed me. They are reporting incorrect information on my credit report. Secondly, my credit report is showing charged-off items as charge-offs and collections this is incorrect reporting. That means these accounts are improperly categorized. It is reporting as charge-off meaning this account is actually considered income under consumer law and therefore are not debts at all. There are multiple reporting errors there is also an account that is also a charge-off that has a reporting history of nothing but CO a charge-off also does not warrant a reporting history! This is wrong. XXXX Department of education are reporting 90 day late payments with no other late payment entries which is also incorrect reporting. XXXX is also reporting incorrectly theyre saying I have 12 90 day late payments and the payment history I am attaching also reflects that incorrect reporting.

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 2022-01-09 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The credit bureaus did not fix any dispute or investigation. The automative system continues to fail and not do anything about the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing in reference to TransUnion, XXXX, and XXXX. These credit bureaus have ignored repeated request to correct multiple errors reporting on my credit report. Per the Fair Credit Reporting Act everything being reported by the credit bureaus should be identical! However, the credit bureaus have failed me. They are reporting incorrect information on my credit report. Secondly, my credit report is showing charged-off items as charge-offs and collections this is incorrect reporting. That means these accounts are improperly categorized. It is reporting as charge-off meaning this account is actually considered income under consumer law and therefore are not debts at all. There are multiple reporting errors there is also an account that is also a charge-off that has a reporting history of nothing but CO a charge-off also does not warrant a reporting history! This is wrong. XXXX Department of education are reporting 90 day late payments with no other late payment entries which is also incorrect reporting. XXXX is also reporting incorrectly theyre saying I have 12 90 day late payments and the payment history I am attaching also reflects that incorrect reporting.

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 2022-01-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing in reference to XXXX, Equifax, and XXXX. These credit bureaus have ignored repeated request to correct multiple errors reporting on my credit report. Per the Fair Credit Reporting Act everything being reported by the credit bureaus should be identical! However, the credit bureaus have failed me. They are reporting incorrect information on my credit report. Secondly, my credit report is showing charged-off items as charge-offs and collections this is incorrect reporting. That means these accounts are improperly categorized. It is reporting as charge-off meaning this account is actually considered income under consumer law and therefore are not debts at all. There are multiple reporting errors there is also an account that is also a charge-off that has a reporting history of nothing but CO a charge-off also does not warrant a reporting history! This is wrong. XXXX Department of education are reporting 90 day late payments with no other late payment entries which is also incorrect reporting. XXXX  is also reporting incorrectly theyre saying I have 12 90 day late payments and the payment history I am attaching also reflects that incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I have transfer money to the same lady bank account 4 times in year 2020. I have waited over 1 year for her to deliver on her words but she did not honor her promise. I have taken out additional loan in order to have these sums to transfer to her, and have written email with her and have other document received to back up what she in her organization will do after she received the funds. But, she and the organization have never honored her words. And it is over 1 year now and they still do not honor their words, in fact, they are keep changing the price, increasing the price, that, no matter how much amount of money I send to them, is never enough. I have all documents to prove each time why I send such amount as she have requested, but they never once honored their words to deliver on their promise once they have received my transfer funds to her bank account. 

The dates below and the amount I have transfer to her bank account : 1. {$5500.00} in XX/XX/2020 I have split into 2 different transfer to send the total amount of {$32000.00} as : 2. {$15000.00} in XX/XX/2020 3. {$17000.00} in XX/XX/2020 This transaction was heavily funded from a loan I applied for online in order to send 4. {$25000.00} in XXXX XXXX I have called my bank to explain to them this situation, but, the bank said it is money transfer that I have authorized, therefore, they can not help me to get my money back. The same person that have received my transfer 4 times is a fraudulent person that is scamming me because they have not deliver on their promise. Please help me to get my money back as this is a lady scamming me of my money because I had believed she would deliver on her promise, but, not once did she delivered on her promised. I have all emails exchange with her as proof and each step of the documents to back up what she will do once she received the funds, but, it has not come true at all. Therefore, this is a scam. Please help me to get my money back.

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 2022-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
i was a victim of identity theft and was currently incarcerated at the time the account was opened i have identity theft affidavit and my ftc report and my jail release form to confirm it so im demanding this item to be removed off my credit report or else i will file a lawsuit because this is complete nonsense.

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 2022-01-09 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: NY

Complaint narrative:
Hello I am having a few issues with XXXX, XXXX, and Experian. These 3 agencies have been reporting incorrect information on my credit report. I have submitted multiple request to have incorrect information removed from my credit report and the agencies have not responded nor have they corrected this incorrect information. The credit bureaus are being negligent to my requests. There are multiple errors including CO payment history being reported on a payment timeline. Incorrect high balances across all bureaus, incorrect dates of last activity. Per the FCRA each credit bureau must report identical information in which none of them are doing so. There is also a credit card being reported on my credit report and it is not mine Ive requested this credit card be removed from my report multiple times to no avail. Also the credit bureaus are reporting some of my accounts as charge off a charge off is considered income not debt under consumer law.

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 2022-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong 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 non-monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
i was a victim of identity theft and was currently incarcerated at the time the account was opened i have identity theft affidavit and my ftc report and my jail release form to confirm it so im demanding this item to be removed off my credit report or else i will file a lawsuit because this is complete nonsense.

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 2022-01-09 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: VA

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hi my name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I filed a dispute online XX/XX/2022 and received confirmation XX/XX/2022 that EQUIFAX has not removed the inquiries that I requested. How could your agency investigate within a few hours with no proof of these companies retrieving my credit file with out written consent. Equifax has aloud these companies to furnish information on my credit report. I have attached documents proof of the investigation and a detailed letter of what happened. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello I am having a few issues with XXXX, Transunion, and XXXX. These 3 agencies have been reporting incorrect information on my credit report. I have submitted multiple request to have incorrect information removed from my credit report and the agencies have not responded nor have they corrected this incorrect information. The credit bureaus are being negligent to my requests. There are multiple errors including CO payment history being reported on a payment timeline. Incorrect high balances across all bureaus, incorrect dates of last activity. Per the FCRA each credit bureau must report identical information in which none of them are doing so. There is also a credit card being reported on my credit report and it is not mine Ive requested this credit card be removed from my report multiple times to no avail. Also the credit bureaus are reporting some of my accounts as charge off a charge off is considered income not debt under consumer law.

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 2022-01-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello I am having a few issues with Equifax, XXXX, and XXXX. These 3 agencies have been reporting incorrect information on my credit report. I have submitted multiple request to have incorrect information removed from my credit report and the agencies have not responded nor have they corrected this incorrect information. The credit bureaus are being negligent to my requests. There are multiple errors including CO payment history being reported on a payment timeline. Incorrect high balances across all bureaus, incorrect dates of last activity. Per the FCRA each credit bureau must report identical information in which none of them are doing so. There is also a credit card being reported on my credit report and it is not mine Ive requested this credit card be removed from my report multiple times to no avail. Also the credit bureaus are reporting some of my accounts as charge off a charge off is considered income not debt under consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called Check n Go on XX/XX/2021 at XXXX and did not talk to a representative until after XXXX, I informed them they had taken the money from my Acct. 3 days early causing an overdraft. They requested proof and I sent a screenshot of my bank acct web page showing their charge to my acct with the words OVERDRAFT and the charge of {$35.00} on my account. They responded a week later by sending me a collections letter. The bank returned the charge to them. They want full payment, I want restitution. They caused the problem and broke the contract I had gone into with them in good faith and they broke that good faith by trying to take the money 3 days early. They should pay a penalty to ME for causing me economic distress, lost time, unnecessary stress and now causing harm to my credit due to THEIR negligence. We have no agreement since they violated the contract. I feel I have no duty to reward them with repayment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/21 bank of America blocked my debit card for no reason demanding I got to a bank with 2 forms of id even though I've informed them that my identity is completely verified with CA XXXX they still would not unblock my account. I had to contact edd for them to send over verification of identity and they unblocked it on XX/XX/21 not even 2 weeks later they have done the same thing on XX/XX/21 theyve blocked my account again for no reason without trying to confirm my identity. this is impacting my ability to pay my bills and mortgage putting me at risk of losing everything.

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 2022-01-09 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: NY

Complaint narrative:
I am having an issue with the three major credit bureaus XXXX, Experian, and XXXX. These agencies have been reporting erroneous information on my credit report. I have tried time and time again to rectify these issues with the credit bureaus. They have stopped responding to my letters and have been continuously reporting this incorrect information on my credit report. Firstly they have been reporting a payment history of charge offs! That is incorrect how can a credit history contain only charge off and nothing else? Theyre reporting charge off accounts also as a collection and charge off! they have also been reporting charge off and collection accounts as open instead of closed! Under consumer law charge offs are considered income that must be filed on my federal taxes and not debt! Theyre reporting this as debt which is incorrect under these consumer laws! They have also been reporting inconsistent information across all three bureaus, according to the FCRA all credit bureaus must report identical information! Theyre all in violation of the FCRA 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