vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still 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. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2012

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NJ

Complaint narrative:
LEXIS NEXIS IS IN VIOLATIONS OF 6 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
I am looking to sell my house, and applied to pay off the mortgage balance in early XX/XX/2021 ( US {$8000.00} ). I am in touch with Mr Cooper, and have tried to trasnfer the pay-off amount twice now from my XXXX  XXXX XXXX account , and twice Mr Cooper have rejected my payment. 

I am urgently seeking a mortgage discharge document, and their continual rejection of my funds is now causing me legal problems with my house sale. I am even in touch with the board of directors of Mr Cooper, but nothing seems to work with this organisation. I am currently working in XXXX and spending nights trying to sort this mess out, so stressful... 

Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a two late payments on my credit report from Comenity/XXXX XXXX which I never be contacted through phone call or email before it happen due to an error on my automatic payment schedule with my bank, if you verify all my account have an excepcional payment up to 5 years ago, and this account continue up to date on payments after I be aware of the situation, it is hurting my current credit report and it is no fair without a previous alert from the lender, I would like to remove this two late report.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney or a third party I am filing a complaint on behave of myself because it is my LEGAL right to do so. I have viewed my credit file and I noticed that there are several incomplete or inaccurate items on my file. The following addresses are not mine please delete them : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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. 

My name is : XXXX XXXX XXXX please delete/remove any other version of my name : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. 
My Phone number is : ( XXXX ) XXXX Please Delete Phone Numbers that do not belong to me : ( 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 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 2021-11-10 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: FL

Complaint narrative:
Please be advised, Ive been a victim of identity theft. Im sent over 10 letters and ftc reports to XXXX and they continue to ignore them and ask for proof. They say they have did an investigation. Which its no way this information could be validated a state of mind because its fraudulent. Please show me who you spoke with at the company who sent you a signed contract how did you verify this did not to computer automated system these dates are all fraudulent someone stole my identity

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

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney or a third party I am filing a complaint on behave of myself because it is my LEGAL right to do so. I have viewed my credit file and I noticed that there are several incomplete or inaccurate items on my file. The following addresses are not mine please delete them : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

My name is : XXXX XXXX XXXX please delete/remove any other version of my name : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. 
My Phone number is : ( XXXX ) XXXX Please Delete Phone Numbers that do not belong to me : ( 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 2021-11-10 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney or a third party I am filing a complaint on behave of myself because it is my LEGAL right to do so. I have viewed my credit file and I noticed that there are several incomplete or inaccurate items on my file. The following addresses are not mine please delete them : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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. 

My name is : XXXX XXXX XXXX please delete/remove any other version of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My Phone number is : ( XXXX ) XXXX Please Delete Phone Numbers that do not belong to me : ( 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 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 2021-11-10 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: FL

Complaint narrative:
Please be advised, Ive been a victim of identity theft. Im sent over 10 letters and ftc reports to Transunion and they continue to ignore them and ask for proof. They say they have did an investigation. Which its no way this information could be validated a state of mind because its fraudulent. Please show me who you spoke with at the company who sent you a signed contract how did you verify this did not to computer automated system these dates are all fraudulent someone stole my identity

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 2021-11-10 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:
Please be advised, Ive been a victim of identity theft. Im sent over 10 letters and ftc reports to XXXX and they continue to ignore them and ask for proof. They say they have did an investigation. Which its no way this information could be validated a state of mind because its fraudulent. Please show me who you spoke with at the company who sent you a signed contract how did you verify this did not to computer automated system these dates are all fraudulent someone stole my identity

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 2021-11-10 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:
I had an auto loan through XXXX XXXX XXXX from XXXX to XXXX. In late XXXX I lost my job and was unable to continue making payments, so I voluntarily surrendered the vehicle and was told by the creditor that the remaining amount would be forgiven. I paid off 90 % of the loan over 4 years AND gave the car back when I could no longer pay due to hardship. After the surrender, the account remained on my Transunion credit report as a closed account with a {$0.00} balance. Now all of a sudden, this month it's now showing a remaining balance of {$2800.00} despite still being closed and my credit score has dropped 40 points. I have disputed this with Transunion and I consider it fraud to add a balance to an account that's been closed/settled for 5 years.

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 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, i opened an account with citibank about a month and a half ago. Everything was fine and all and i was using my account accordingly then all of a sudden my account was frozen and my online access was blocked due to unusual activity according to citibank. I right away called and they had me go over some verification steps which i did and still nothing. The last step they told me in order to verify my identity was they would send me a letter via the mail with a reference number so that when i receive it i call and give them that reference number and my identity will be verified and my account unrestricted. That letter was supposed to be sent 2 weeks ago and have called back twice and been told it will be mailed and nothing has been delivered to me. Idk what to do anymore. The last rep said he doesnt see why my account hasnt been unblocked yet if ive pretty much verified all my info already. They are holding up my rent money for no reason. 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 non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: GA

Complaint narrative:
I leased a vehicle from Carvana in XXXX, I was making my payments fine. It came time for me to get my hard tag and I was told that it was a delay. They provided me with a temp tag that was registered in the state of Arizona. I got pulled over by XXXX County Sheriff, they accused me of stealing the car and presenting false documentation. They ended up giving me a ticket for no tag and told me not to ever present that tag again. I then reached out to the XXXX XXXX who informed me that Carvana never finished the paperwork to even begin the registration process. Come to find out they put the wrong state sales tax on the paperwork according to them. I informed them then that until they make this right, I would not make another payment to them. The temp tag they provided me with expired XX/XX/XXXX I was then told by Carvana that they were not going to do anything about the tag until I paid, but even once I do that, it would be 1-3 months before they may be able to still get the car registered and they would end up taking the car back and swapping it, or taking the car back and giving me my money back. I then told them why not come pick up the car now and give me my money back now because code enforcement came around and was going to cite me for that vehicle being in my yard with no tag. They sent me a another temp tag Tuesday registered in Arizona again, but then came and towed the car last night. Please help me, or point me in the direction of someone who possibly can.

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

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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

Complaint narrative:
XXXX and Transunion are incorrectly reporting that i missed a payment in XXXX on my XXXX XXXX account XXXX. That not possible, my due date on the XXXX of XXXX and I submitted 2 payments according to their ( XXXX XXXX ) billing statement which is provided. 

XXXX is incorrectly reporting 2 fraudulent accounts ( XXXX, Opened XX/XX/XXXX Acct : XXXX XXXX XXXX, Opened XX/XX/XXXX Acct : XXXX ). I notified XXXX multiple times and was told the accounts were deleted on multiple occasions. 

These infraction are gravely harming me financially and is stopping me from advancing in life.

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 2021-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my wife received an alert about a purchase asking if she had authorized. She immediately responded NO but got a message back that the issue had already been answered and approved. At this stage we logged into our Chase Banking account and noticed several fraudulent charges ranging from 3 withdrawals totaling {$3000.00} and a {$2400.00} transfer from our savings account. Additionally {$500.00} was transferred from out joint checking into her individual checking. Then a fraudulent purchase to XXXX XXXX for {$2600.00}. These were all tied to XXXX XXXX FL when both of us were physically in XXXX TX ( our home ), additionally neither of us had ever been to XXXX XXXX. 

All of this was reported immediately as fraud to Chase. They advised the fraud was performed with XXXX XXXX and suggested we immediately disconnect XXXX XXXX account and they were also able to disconnect her debit card from the account as well. We were informed the money would be credited back within 12 hours. After the time frame came and went with no resolution we called yet again to inquire and were apologized and told to allow 24 hours to correct. {$500.00} was credited and nothing else. Several days and several hours of calls later on Saturday XX/XX/XXXX we learned nothing had been done and the claims hadnt made their way to any sort of physical person to review yet. Another few days and between XXXX XXXX we received secure messaging that all claims were DENIED. 

In calling again to understand why these were denied we were told it was because all were made through XXXX XXXX and to dispute we needed to have documentation from XXXX XXXX someone compromised that account. Mind you this had never been told or suggested once ever before in this process. We were told that until we receive that information and send they can not review and correct. 

In further researching we have seen that there is an unauthorized sign in on XX/XX/XXXX to our chase banking account from XXXX internet which is likely when the account was compromised first. 

As it stands we have had $ XXXX stolen from us by Chase Bank and have no clue if we will get our money back. This has all happened with a cross country move scheduled in weeks and we are XXXX XXXX XXXX XXXX XXXX. Reported calls complaints and frustration with Chase has led to no results. We are following up with XXXX XXXX as well now that we finally know to but this is a horrible experience. The Customer agent I spoke to after this was all denied finally asked if we live in XXXX and were there in these dates recognizing that all the charges were from Florida and thinking that was odd. Apparently the claims and fraud department didnt think it was and was happy to DENY our dispute. 

Please help us.

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

Complaint narrative:
XXXX and XXXX are incorrectly reporting that i missed a payment in XXXX on my XXXX XXXX account XXXX. That not possible, my due date on the XXXX of XXXX and I submitted 2 payments according to their ( XXXX XXXX ) billing statement which is provided. 

Equifax is incorrectly reporting 2 fraudulent accounts ( XXXX, Opened XX/XX/XXXX Acct : XXXX XXXX XXXX, Opened XX/XX/XXXX Acct : XXXX ). I notified Equifax multiple times and was told the accounts were deleted on multiple occasions. 

These infraction are gravely harming me financially and is stopping me from advancing in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GreenSky, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I applied for loan with GreenSky XXXX XXXX credit to pay for XXXX  services from XXXX XXXX. I applied for XXXX credit limit and actually used XXXX. I was expressly told and received in writing that the credit check would be a " soft '' credit check and would not impact my credit score. The credit check performed by GreenSky was in fact a " hard '' credit check and is listed on my XXXX Credit report with a corresponding drop in my credit score. The Company lied. I want this credit check removed from my credit report and my score restored. 

As a footnote - after the XXXX charge was enacted GreenSky called me eight ( 8 ) times to remind me I owed them XXXX. This started the day the amount was charged. This was before even one statement was issued or payment due. It only stopped when I blocked the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Old late payments keep popping up which wasnt late auto loan. 
XXXX is reporting negative and its not my account.

Company response to consumer: Closed with explanation