vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 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: FL

Complaint narrative:
There are several accounts that were accessed with my information without my consent or knowledge. These accounts are a result of identity theft and I want to get this issue handled in an expedited manner. There is someone still using that XXXX account and paying it as it was me and another one they are not. this is destroying my credit. Also there are other accounts that I do not recognize ever having or applying or doing business with. Please help me get this resolved.

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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
To whom this may concern I am a co-signer on a vehicle with Chrysler Financial. the primary borrower was late on a payment and did not inform me or I would have resolved this matter myself. Furthermore, Chrysler Finacial did not let me know that this was happening either. When I spoke to customer service on approxXX/XX/2020, it was discovered that Chrysler financial did nor have my correct information on file as they claimed that they attempted to reach out to me to inform me of this delinquincy. 
I have had multiple conversations with the customer service team at Chrysler Financial and there answer is that they hold no accountability for reaching out to me to let me know that the account I was a co-signor on was delinquent. 

The results of their dereliction of duty towards me as a customer is a decrease to my credit score and a derogatory mark that will last 7 years. 
I am asking that Chrysler remove this late payment from all credit agencies immediately and create new guidelines to treat and communicate with co-signors in the same manner they communicate with primary borrowers. 
on XX/XX/2020, I spoke with Mr XXXX XXXX from the Exec office/Office of the president and he advised me to reach out by mail to the Chrysler Capital credit Bureau Dispute office and initiate/follow up on this dispute with them. Mr XXXX also requested that I email him this information as well. I have advised Mr XXXX of my reaching out to the CFPB regarding this matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: GA

Complaint narrative:
My company has filed unemployment benefit and Georgia Department of Labor have issued a Georgia UI prepaid card issued by XXXX XXXX  which I haven't received yet. Wanted to get a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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:
I received a copy of my credit report and found the following item ( s ) to be errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: AR

Complaint narrative:
I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: OH

Complaint narrative:
Equifax repeatedly lowers my Credit score the same day I report misinformation and dispute an error with them. They refuse to give me the information of who they spoke with or dates of conversations. They have now locked me out of their website and refuse to unlock my account. I have provided them with everything they asked in terms of what is on my credit report and they still will not reset my password and let me access my account on my.equifax.com.The last question they asked was what my monthly minimum payment was on a credit card that I am an authorized user on I asked them to hold while I verified this info and was then refused access to my account at my.equifax.com.This is not on my credit report and it is not anything that would be used by any other credit reporting agency to verify my identity. There are two accounts on my credit file that have incorrect information. These accounts need to be corrected and I wish to know the names of who they spoke with to verify the information and dates of all conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I opened a XXXX XXXX credit card ending in XXXX XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXX it was closed by XXXX XXXX. Not sure why except that they told me the credit bureau said it was reported as fraud. Not sure who or why that happened, but it did. Meanwhile, I couldn't make payments and the account wasn't available online. I made numerous calls through XXXX, XXXX, and XXXX to see what I needed to do and to make any payments. I was told every time that I couldn't make a payment and the representative even telling me it was greyed out on their end and they couldn't even accept payment. I made a call at the end of XX/XX/XXXX, due to another letter coming to me by mail to fill out a fraud report. I had told him there was no fraud and asked what I needed to do. He said they had finished their investigation and would send me a letter. I specifically asked if I needed to make a payment and told him about my past calls and not being able to. I also asked specifically about what I needed to do to ensure that my credit wouldn't be affected. He said I would receive a statement when the investigation was done, which it was and I could make a payment. 

Once I received the statement I made a payment. I wasn't able to access online but called. Later in XXXX, I received notification from Experian that XXXX XXXX reported XXXX as a 30 day late which shows as a late on the credit bureau reporting. 

On XX/XX/XXXX I called XXXX XXXX 's fraud department that I had been in contact with during this entire process. After the person helping me realized it was XXXX XXXX 's mistake due to me not being able to make a payment and the rep 's all saying the same thing, she got them to send a letter to the bureaus to say it was XXXX XXXX 's error. 3 days later, the late reporting was removed from my reports. 

In XXXX, the late reporting showed back on my reports. I had received a letter from XXXX XXXX dated XX/XX/XXXX that confirmed I was current for XXXX, but the issue is XXXX not XXXX. 

Please help me get this removed from my reports.

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 2020-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I applied for my online credit report and score from Equifax and downloaded same. The fee for the FICO score was {$7.00}. I entered my Debit card information as requested, When I checked my online statement, there were two withdrawels on the same time block and date. I just spent one hour and 52 minutes trying to reach someone at their customer support number ( s ), to no avail. I realize it is only a small amount to most, but we are on fixed income and watch our expenses closely. In other words, they charged me twice for one report, then there " system '' makes in impossible to reach a person to correct the problem. The were no buttons on the " Frequently asked questions '' and no misc.boxes to explain the problem. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
1. XXXX XXXX XXXX XXXX applied through Bank of America for a loan through the XXXX XXXX XXXX on XX/XX/XXXX. 

2. On XX/XX/XXXX, I received an email from BOA stating they were ready to receive my documents. Bank of America provided, via XXXX XXXX XXXX, a portal to a document containing instructions. The instructions stated that there were three different sets of requirements based on the type of business. The types of businesses were : ( a ) Organizations with employees who file Tax Form 940 ; ( b ) Documents for Sole Proprietors or Self Employed, Who do not file tax form 940 ; and  ( c ) Documents for All Other Small Businesses. 

3. XXXX XXXX XXXX XXXX, a nonproft corporation, does not file Tax Form 940. 

4. XXXX XXXX XXXX XXXX, is not a sole proprietor nor is the organization self-employed. 

5. Therefore, we provided documents consistent with Category 3 - " all other small businesses. '' 6. Category 3 only requires : " Form 1099-MISC for XXXX, for services rendered as an independent contractor Bank of America XXXX XXXX XXXX XXXX XXXX ( located in your Bank of America XXXX XXXX folder ) '' 7. On XX/XX/XXXX, I uploaded the Bank of America XXXX XXXX XXXX Application Addendum, as completed. 

8. XXXX XXXX, XXXX,. did not provide any services as an independent contractor during XXXX, so no 1099-MISC for XXXX was originally uploaded. 

9. On XX/XX/XXXX we received an email from BOA stating that they have not received all of our documents, but it did not specify which documents. 

10. It was really unclear what documents were needed. We had provided the one document that applied to us.

11. On XX/XX/XXXX, in an abundance of caution, we uploaded a 1099-MISC for the one payment that we made to an independent contractor during XXXX. 

12. On XX/XX/XXXX, we have received an email stating BOA has still not received all the required documents, but it does not state what is missing ; it also stated the problem may be that BOA received unnecessary documents.

13. On XX/XX/XXXX, we deleted the 1099-MISC, thinking it may have been unneccesary.

14,. We are doing our due diligence and providing documents timely. It is unfair that we are being denied access to federal loan funds because BOA is not being clear and is sending messages alleging missing documents where such allegations by BOA do not seem to be supported by the facts. This is harming our nonprofit because other organizations may be approved prior to us for limited funds, even though they did not turn in their required documents until after we did.

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 2020-04-20 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: Colony Brands, Inc.
State: TN

Complaint narrative:
Re : Verification dispute of XXXX XXXX XXXX XXXX  accounts with same account number ( XXXX ), same past due amount ( {$180.00} ) and same creditor address ( XXXX XXXX XXXX XXXX, XXXX ) Dear Representative : I am writing to dispute XXXX  claim of verification for the trade lines referenced above. I have disputed this account formation as being merged and therefore inaccurate but XXXX  has come back stating these were verified. How is this possible? 

It is abundantly clear that these two trade lines are merged. It is impossible that two separate trade lines will have exact same account numbers, exact same past due amount and the exact same creditor address. That in itself should have been more than enough to alert XXXX  that the information reported was inaccurate and warranted deletion. My previous CFPB compliant is attached. By continuing to report these inaccurate trade lines XXXX  has caused undue damage to my credit worthiness and as a result I have been denied credit or have had credit extended at higher rates that I otherwise would have qualified for had the two trade lines above been properly addressed by XXXX. 

Per the Fair Credit Reporting Act ( FCRA ) : I have the right to dispute incomplete or inaccurate information CRAs ( XXXX  ) must correct or delete inaccurate, incomplete, or unverifiable information within 30 days CRAs ( XXXX  ) may not report outdated negative information I may seek damages from CRAs ( XXXX  ) and credit reporting data furnishers ( XXXX ) for FCRA violations I contend that XXXX  did not perform due care in its investigation of the two trade lines and rubber stamped them as accurate. I am sure this occurred as a result of XXXX  being understaffed due to Covid-19. This is evident by XXXX drastic cutting of phone support ; however this does not preclude XXXX  from meeting FCRA requirements. In addition if the information from these two trade lines were being correctly reported the XXXX XXXX XXXX XXXX trade line would not appear on my credit report at all. This is due to FCRA statute of limitations. This trade line has already been rightfully removed from my XXXX  and XXXX  reports for this very reason. 

This is a clear case of XXXX  being in violation of the FCRA. I strongly urge XXXX  to immediately remove these two trade lines or I will be left with no choice but to file suit with the intent of reaching class action status. The only acceptable resolution to this matter is for XXXX to delete these two trade lines immediately. 

While I prefer not to litigate, I will utilize the courts and publicity to enforce my rights under the FCRA and seek monetary damages. 


I look forward to swift resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citibank refuses to remove me as an authorized user on my mother 's credit card. Both my mother and I have spent over 7 hours on the phone with Citi Bank on XX/XX/20 and XX/XX/20 respectively. We were transferred around endlessly between different departments, each saying they do not have the authority to process the request because my mother is on a repayment program, and I must talk to the department who last transferred us. It doesn't appear anyone at the company is capable of performing this routine function. 

Even though the account was closed nearly 3 years ago, they only started reporting my authorized user status to credit reporting agencies one month ago, which caused my credit score to drop 20 points in 30 days, so it is not a trivial matter. 

My belief is that Citibank wants to keep me as an authorized user and apply credit pressure in case my elderly mother dies or defaults on payments so that they can come after me, despite there being no legal justification for keeping me on the account that they can cite. Not only is the account closed, I haven't even had a physical card for this account or initiated a purchase on it in nearly 10 years. 

I don't believe they have the right to keep me on the account, or to continue reporting my involvement with the account to credit agencies after both the primary account holder and I have made more than reasonable attempts to sever my involvement with the account.

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 2020-04-20 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: FL

Complaint narrative:
There are several accounts that were accessed with my information without my consent or knowledge. These accounts are a result of identity theft and I want to get this issue handled in an expedited manner. There is someone still using that XXXX account and paying it as it was me and another one they are not. this is destroying my credit. Also there are other accounts that I do not recognize ever having or applying or doing business with. Please help me get this resolved.

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 2020-04-20 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: FL

Complaint narrative:
There are several accounts that were accessed with my information without my consent or knowledge. These accounts are a result of identity theft and I want to get this issue handled in an expedited manner. There is someone still using that XXXX account and paying it as it was me and another one they are not. this is destroying my credit. Also there are other accounts that I do not recognize ever having or applying or doing business with. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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:
I received a copy of my credit report and found the following item ( s ) to be errors.

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 2020-04-20 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:
I received a copy of my credit report and found the following item ( s ) to be errors.

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 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
My mortgage servicing was sold on XX/XX/2020 by XXXX, XXXX to PHH Mortgage. I was never informed nor sent any correspondence via mail, email, phone, or fax. I submitted a payment to my previous servicer and unknowingly it was rejected due to the loan being sold. I was never informed and now I'm left to trust a random, and rude, individual from PHH threatening to report me to the credit bureau and possible foreclosure. 

I thought it was my right to be informed of what was going on? I have received nothing from either side.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
On XX/XX/2018, I checked my credit reports from all three major credit bureaus and I had found a debt collection company called Cavalry Portfolio Services , LLC I didnt take it seriously until early this year i began trying to clean up my credit report, they had bought my old XXXX credit account, which I am going through a settlement with a debt relief company, I immediately reached out to the credit bureaus and Cavalry Portfolio services about the amount they say I owe them is {$4800.00} I have written to cavalry portfolio services for proof of the debt, three times already and I had the letters certified, out of all three times, I had heard no response from cavalry portfolio services, but the Three credit bureaus came back as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$330.00}

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 2020-04-20 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$330.00}

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