vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-17 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called XXXX she also said whoever filed the bankruptcies did it themselves no attorney was involved. I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.

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 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit Bureau is reporting inaccurate and fraudulent account information from XXXX XXXX XXXX. CFCB has current case # XXXX against XXXX for providing altered and fraudulent account statements from XXXX XXXX  XXXX XXXX In XX/XX/2019 XXXX XXXX XXXX  report that no money is owed to them and that XXXX XXXX surety bond pays the final amount due to them. Transunion and XXXX also keep reporting debt owed as a rental agency even though court documents with eviction dismissal, account documentation and rental reports pulled in 2019 show and have been provided several times show that no money is owed to any rental property. 

I have been filing complaints against this credit bureaus on this issue since XX/XX/2019 to no avail. 

I am providing legal documentation again : 1. Emails from XXXX XXXX XXXX that {$2800.00} for sure deposit and that {$0.00} is owed to XXXX. 
2. Recently pulled court documents stating eviction was dismissed in my favor and {$0.00} amount is due. 
3. Rental background report pulled in 2019 by realtor stating {$0.00} amount due to XXXX XXXX  XXXX XXXX 
4. Current investigation into XXXX submitting an altered and fraudulent account 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 2021-10-17 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called XXXX she also said whoever filed the bankruptcies did it themselves no attorney was involved. I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
still no XXXX bonus! Over 4 months. Did what was required to do!! 2nd complaint as CFPB has not done a thing except to say last complaint from 1 month ag is in progress and key bank needs more time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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:
Im having a issue with Experian and XXXX credit bureau reporting false and inaccurate information about me thats causing me emotion distress and violating my rights as a consumer i would like if you can step in abd help me resolve this matter it has been more than the regulated time to clear up there wring doing and i haven't gotten a resolution that is fair and accurate. 
Experian and XXXX is under violation for not following US 15 1692 ( e ) ( 7 ) ( 13 ) also US 15 1692 ( a ).

I sent this letter by USPS certified mail without receiving proper notice from Experian.

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 2021-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Best Buy closed my credit card account due to my credit score/history. I did not authorize the company to pull my credit. Also, I have never been late making payments to this credit card. I in fact I just recently paid it off. A few months ago, I could not keep up with some of my payments due to having COVID and was off work for approximately one month. I am an XXXX XXXX and have been caring for XXXX  in XXXX XXXX due to XXXX. Also, I, unfortunately, started a program back in XX/XX/2021 with XXXX XXXX in order to get control of my credit card and student loan debt. They pushed me to not make payments to a number of my accounts which has made my credit score drop significantly. I am now working over 60 hours a week to make all my payments and have not been late since I have quit the program with XXXX XXXX. I really don't see how a company can treat its customers this way, especially during a pandemic. It's a struggle for everyone, and they are making it worse. I have been a loyal customer to Best Buy and as I said earlier NEVER late making payments on my Best Buy credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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:
Im having a issue with XXXX and Equifax credit bureau reporting false and inaccurate information about me thats causing me emotion distress and violating my rights as a consumer i would like if you can step in abd help me resolve this matter it has been more than the regulated time to clear up there wring doing and i haven't gotten a resolution that is fair and accurate. 
XXXX and Equifax is under violation for not following US 15 1692 ( e ) ( 7 ) ( 13 ) also US 15 1692 ( a ).

I sent this letter by USPS certified mail without receiving proper notice from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Sallie Mae originally handled my loan, which began in XXXX. XXXX! How is it that my balance is STILL the same? They mismanaged my loan and did not let me know of PSF or consolidating my loan. I've made payments through the years and it is disgusting. 
I've recently consolidated my former loan FELP? into a direct loan to take advantage of the non-repayment. What are my options now under this new temporary expansion of public service forgiveness? I have made payments and how is it that I am still paying something in XXXX almost 20 years later! It does NOT add up. I would like some clarity on this illegal business that is the student loan industry. Navient serviced it afterwards, and now it's fedloans. Tell me how a loan I took out in XXXX, is still at its original principle- twenty years later. They failed to tell me about FELP loans vs direct loans and the benefits. Disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: TX

Complaint narrative:
Credit Bureau is reporting inaccurate and fraudulent account information from XXXX XXXX XXXX. CFCB has current case # XXXX against XXXX for providing altered and fraudulent account statements from XXXX XXXX  XXXX XXXX In XX/XX/2019 XXXX XXXX XXXX  report that no money is owed to them and that XXXX XXXX surety bond pays the final amount due to them. XXXX and XXXX also keep reporting debt owed as a rental agency even though court documents with eviction dismissal, account documentation and rental reports pulled in 2019 show and have been provided several times show that no money is owed to any rental property. 

I have been filing complaints against this credit bureaus on this issue since XX/XX/2019 to no avail. 

I am providing legal documentation again : 1. Emails from XXXX XXXX XXXX that {$2800.00} for sure deposit and that {$0.00} is owed to XXXX. 
2. Recently pulled court documents stating eviction was dismissed in my favor and {$0.00} amount is due. 
3. Rental background report pulled in 2019 by realtor stating {$0.00} amount due to XXXX XXXX  XXXX XXXX 
4. Current investigation into XXXX submitting an altered and fraudulent account statements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I have been building my credit the past 2 years. I opened a Grain account about a year ago and the payments are set to automatically draft from my account. I just received a credit alert stating my credit score dropped 40+ points. I logged into the Grain app and it says my bank account disconnected from the app. The money is and has always been available. I have not received any notifications from Grain to notify me the payment was past due or there was system issue that my bank account to disconnect from the app which caused the payment to not draft successfully. This is absolutely unacceptable as consumers should not have to pay for this companys mistake. This can make or break ones credit worthiness as I am in the process of trying to buy a home. This company is affecting peoples livelihood and the whole purpose of their service is to build credit. They require you to link your banking information so the payments can be automatically drafted. No attempts were made to contact me or notify me of a system issue as I was expecting the payment to automatically draft as usual. The purpose of ACH payments is to avoid late payments. Their system failed me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17 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: NY

Complaint narrative:
XXXX IS FRAUDULENT STATING THEY HAVE NO INFORMATION ON MY CREDIT PROFILE. THIS IS OUTRAGEOUS. THEY ARE NOT CORRECTING DELECTING INACCURATE INFORMATION DELIBERATELY. I REVEIVED Five letters stating they don't have information to correct when I see on various credit reporting agencies the false information they continue to put on XXXX dispite proof by creditors that's duplicates and accounts are paid ie XXXX  XXXX XXXX XXXX XXXX etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Comenity Bank/Victoria Secret is still reporting that I didn't pay the {$550.00} and I did in fact pay it. I disputed this 8 times and it's still showing on my credit report. It was paid up via XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: NY

Complaint narrative:
EQUIFAX IS FRAUDULENT STATING THEY HAVE NO INFORMATION ON MY CREDIT PROFILE. THIS IS OUTRAGEOUS. THEY ARE NOT CORRECTING DELECTING INACCURATE INFORMATION DELIBERATELY. I REVEIVED Five letters stating they don't have information to correct when I see on various credit reporting agencies the false information they continue to put on equifax dispite proof by creditors that's duplicates and accounts are paid ie XXXX  XXXX XXXX XXXX XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX IS FRAUDULENT STATING THEY HAVE NO INFORMATION ON MY CREDIT PROFILE. THIS IS OUTRAGEOUS. THEY ARE NOT CORRECTING DELECTING INACCURATE INFORMATION DELIBERATELY. I REVEIVED Five letters stating they don't have information to correct when I see on various credit reporting agencies the false information they continue to put on XXXX dispite proof by creditors that's duplicates and accounts are paid ie XXXX XXXX XXXX XXXX XXXX etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Care Credit closed my credit card account due to my credit score/history. I did not authorize the company to pull my credit. Also, I have never been late making payments to this credit card. In fact, I often pay it off soon after a charge. A few months ago, I could not keep up with some of my payments due to having COVID and was off work for approximately one month. I am an XXXX  XXXX  and have been caring for patients in serious conditions due to COVID. Also, I, unfortunately, started a program back in XX/XX/2021 with XXXX XXXX in order to get control of my credit card and student loan debt. They pushed me to not make payments to a number of my accounts which has made my credit score drop significantly. I am now working over 60 hours a week to make all my payments and have not been late since I have quit the program with XXXX XXXX. I really don't see how a company can treat its customers this way, especially during a pandemic. It's a struggle for everyone, and they are making it worse. I have been a loyal customer to Care Credit and as I said earlier NEVER late making payments on my credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The fradulant account opened under my name. Now I have one CITI Card with late payments on my credit report that I never applied and I have collection from XXXX XXXX XXXX that again from fraudulent account I never applied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST
State: OR

Complaint narrative:
I opened an account at Bank Of The West and most of my charges were fraudelent. Bank of the west returned about {$700.00} of the {$5000.00} I was owed and now says that the loss of my money was fraud and is withholding it. Please see attached of fraudulent charges

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Collection of XXXX reported on my credit report on XX/XX/2021 from Midland Credit Management that was the result of Store credit issued from XXXX XXXX  as a result of idenity theft. I never had any accounts with XXXX XXXX. My identity was used fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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, OHIO XXXX I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed belong to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX  XXXX XXXX XXXX OH, XXXX, XXXX  XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX. 
I found incorrect spellings of my name on my credit file. My name is spelled XXXX XXXX XXXX please remove any other spelling or variations of my name they are not correct.

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 2021-10-17 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: DISCOVER BANK
State: MS

Complaint narrative:
The company discover added items on my report that I never gave written consent or authorization to be placed on my report. Which is a violation of my consumer rights under 16 U.S.C 1681b ( 2 ). Im having that same issue with Discover and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
A car warranty was added to my loan, even when I said I did not want it. When I discovered the mistake, I cancelled it. The warranty company sent the refund to the car dealership. The dealership issued a check to my lender, Capital One on XX/XX/2021. It was deposited by Capital One on XX/XX/2021. It has never been credited to my loan. I have made numerous phone calls and talked with two different Resolution Specialists. The car dealership has faxed a copy of the check, along with the proof of endorsement and deposit, three times. My last contact on XX/XX/XXXX assured me he would take care of the matter and call me to inform me of any updates. He said ( as the previous Resolution Specialist said ) to allow 3-5 days. I have not heard back from him, as of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: MI

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. I was a victim of the XXXX and XXXX XXXX breach. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: MI

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. I was a victim of the XXXX and XXXX Data breach. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On a letter dated XX/XX/2021, Ally bank stated it will close all of my checking and savings accounts without a reason listed. I have been a long time customer and aside from my recent change of address, there has been no changes to the usage of my accounts.

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