vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 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: FL

Complaint narrative:
I Filed a complaint with the cfpb earlier this month and Equifax ADDED more incorrect late payments on my already incorrect credit report! I'm beginning to get stressed about this situation Please fix it ASAP. 


XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX I was never late XX/XX/XXXX XXXX Have never done business with a company XXXX XXXXf XXXX Account was in forbearance and is in good standing but reporting with lates. XXXX XXXX XXXX XXXX Never validated XXXX XXXX I was never late XX/XX/XXXX this is a closed account and was a bank error! XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: AL

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies of late payments still on my credit report from the 3 major credit bureaus after I was told this was fixed. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported this reporting was inaccurate. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand that these reporting statuses be updated.

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 2021-06-25 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: OH

Complaint narrative:
I sent a letter on XX/XX/21 regarding inaccurate account with XXXX XXXX reporting on my credit report. THIS account is inaccurately reporting across all three credit bureaus and is damaging me. To this day over 60 days later I have not received a response yet. Section 611 ( a ). it is stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand the account be deleted immediately or I will file for litigation due to the stress you caused me. I have attached a copy of the report along with proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent a letter on XX/XX/21 regarding inaccurate account with XXXX XXXX reporting on my credit report. THIS account is inaccurately reporting across all three credit bureaus and is damaging me. To this day over 60 days later I have not received a response yet. Section 611 ( a ). it is stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand the account be deleted immediately or I will file for litigation due to the stress you caused me. I have attached a copy of the report along with proof of 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 2021-06-25 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
TOO MANY OVERDRAFT FEES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XXXX, XXXX I went to a call dealership ( XXXX  XXXX XXXX in NJ XXXX to purchase a new XXXX XXXX. I already had the financing and approval from my credit union XXXX XXXX XXXX XXXX XXXX XXXX for the full amount of the car purchase. My application ( for vehicle registration purposes only ), had my personal information on it. Upon looking at my credit report, I noticed SEVERAL inquiries to various credit lending institutions for car loans without my permission. 
XX/XX/XXXX : Contacted each of the lenders and advised that I did not authorize these inquiries, and was directed to contact Experian directly. 
XX/XX/XXXX : Spoke with Experian Fraud Department Supervisor ( XXXX, XXXX Team ) after the first " offshore '' representative falsely advised me that " a company has the right to run your credit report if they want to without your permission ''. The Supervisor stated that the six ( 6 ) credit inquiries that appeared on my credit report ( none of which resulted in an OPEN/APPROVED account ) were attached to my legitimate open account with XXXX XXXX XXXX XXXX. This is impossible because XXXX XXXX XXXX XXXX is a direct lender. The inquiries for XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ) were WITHOUT authorization and should be removed immediately. Experian has REFUSED to remove them. They are impacting negatively on my credit score and have caused adverse actions for credit. 
XX/XX/XXXX : Downloaded fresh copy of my credit report from XXXX. Highlighted all unauthorized inquiries ( attempted to have each of these removed from Experian who refused ).

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 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited a XXXX XXXX check of {$400.00} via my mobile device to my Wellsfargo checking account on XX/XX/XXXX. The next day I have withdrawn the {$400.00} from my account as my sister issued the check to me for a specific transaction. At the beginning of XX/XX/XXXX, I received a notice from Wells Fargo stating that the same check was deposited a second time with XXXX XXXX on XX/XX/XXXX. As a result, on XX/XX/XXXX, Wells Fargo deducted {$400.00} from my checking account. I made more than 3 claims with wells Fargo to get my money back but all of them were denied even I never deposited this check twice. When I got back to my sister and she checked with her bank ( XXXX XXXX ) to find what happened with the check, XXXX XXXX made searches on her account related to the issues for weeks, and in conclusion XXXX XXXX never found such duplicate transaction as Well Fargo stated before in his notice to me. On XX/XX/XXXX, XXXX XXXX issued a notice confirming that the in question was only presented one time for payment on XX/XX/XXXX. So I will attach all documentation supporting my statement. As wells, Fargo never refunds me my money even proof provided to the Wells Fargo representative that the check was deposited one time, I fell victim to Wells Fargo and I am not treated fairly by this financial institution.

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 2021-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon PLC Attorneys & Counselors
State: MI

Complaint narrative:
Receiving threatening letters from an attorneys office demanding payment of a debt I did not incur. No court documents or original documents or any verifiable information relating to alleged debt provided. No outstanding debt amounts or any other information relating to this issue showing on my credit report. Letters claim that I owe a total of {$4300.00} indebtedness from two separate future receivables sales agreements that went into default on XX/XX/XXXX andXX/XX/XXXX.

I have never entered into any agreements of this type with these people.

Letters are from : Simon PLC Attorneys & Counselors XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, MI XXXX  For TBF Financial LLC Accounts XXXX and XXXX No information other than amounts of alleged debt and redacted account numbers were provided by the attorneys letter.

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 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Reiteration of the following legal right of due process under the Cares Act : Per the Presidents Memorandum, via the XXXX XXXX Guide Bulletin XXXX, Coronavirus Aid Relief, & Economic Security ( Cares ) Act FORBEARANCE : 1.Execute the months remaining of forbearance ; as depicted in your response here with the CFPB. More importantly, as it is disclosed under the Presidents Memorandum, XXXX XXXX Guide Bulletin XXXX, Coronavirus Aid Relief, & Economic Security ( Cares ) Act, CFPB posting - see attachments 2.Forbearance/Post Forbearance ( 12 months ) 3.Re-requesting Extended Forbearance ( 6 months ) 4.Borrower Eligibility - we qualify per continued Hardships/Covid-19, loan qualifies for XXXX XXXX Loan Forbearance Plan 5.Re-requesting complete forbearance time allotments per XXXX XXXX due to my ongoing hardship, full not partial arrearages onto the loan, lastly loan modification with an affordable modified monthly payment NOTE : Please be advised that I continuously have met all requirements ( qualifications : hardships/loan type, requests, are all referenced in my calls, emails sent to SPS ) including and not limited to communicating directly with my servicer Select Portfolio Servicing in accordance with the stipulations depicted in the attachments set forth by Congress and the President of the United States.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: AL

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies of late payments still on my credit report from the 3 major credit bureaus after I was told this was fixed. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported this reporting was inaccurate. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand that these reporting statuses be updated.

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 2021-06-25 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: AL

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies of late payments still on my credit report from the 3 major credit bureaus after I was told this was fixed. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported this reporting was inaccurate. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand that these reporting statuses be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: FL

Complaint narrative:
I Filed a complaint with the cfpb earlier this month and XXXX ADDED more incorrect late payments on my already incorrect credit report! I'm beginning to get stressed about this situation Please fix it ASAP. 


XXXX XXXX- I was never late on XX/XX/XXXX XXXX XXXX- I was never late XX/XX/XXXX XXXX Have never done business with a company XXXX XXXX XXXX Account was in forbearance and is in good standing but reporting with lates. XXXX XXXX XXXX XXXX Never validated XXXX XXXX I was never late XX/XX/XXXX this is a closed account and was a bank error! XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.

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 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UPGRADE, INC.
State: KY

Complaint narrative:
I was told that the adverse action was incorrect. But, decision still stands. I previously went through the identification process so I know that can't be the case. They can just check the phone records and confirm this was completed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: OH

Complaint narrative:
I have disputed since XX/XX/2021. It hasnt been resolved and want it resolved instantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP
State: CA

Complaint narrative:
On XX/XX/2021 I attempted to resolve a debt with Capital Management Services. The debt was taken on from XXXX XXXX. I wrote them and mailed two letters which they failed to respond to within the allotted time. Because they failed to recognize and respond to my letters, I am asking for the debt to be removed both from my history, and my credit report. 

The amount that was owed was about {$5500.00}. I attempted to settle, and they attempted to charge me twice. After learning that I didn't have verification I attempted to request it in the two letters ( as stated above ) and called their offices. I received no response. 

I would like this amount removed from my credit history and report.

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 2021-06-25 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: FL

Complaint narrative:
on XX/XX/2021 i sent a letter to EQUIFAX regarding some inaccurate and alleged debt. its been over 30 days and i have not received a response. EQUIFAX is in violation of Section 611 ( a ) which states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I XXXX XXXX was also a victim of the EQUIFAX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ZuntaFi Corp
State: MN

Complaint narrative:
I made a a payment agreement with zutafi loan company. Formally known as SLFC and several different names. They continue to harass my XXXX and XXXX father. They also continue to assault my credit report every month, even with payment being made on-time. I get very little information of my progress. And the loan is almost XXXX years old. They have very deceptive practices. And did not notify me that my loan my be going into default. Of course until it did. Also, the company was constantly changing it's name and address. So I had no idea of whether I was being scammed or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: FL

Complaint narrative:
On multiple occasions I have tried connecting with all three credit bueras to have closed and settled accounts removed from my reports. After many attempts neither of all three credit bueras removed these settled accounts from my reports. They continue to give me a hard time and trouble getting these closed XXXX balance accounts removed. They continue to hinder me by not removing these accounts. I am writting to have cfpb step in to apply all laws and regulations. If no problems are to be fix I will have to seek legal action so that my rights are not continued to be violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I feel disinvited against by my Exxon Mobil card customer service lied to me they first tell me no credit pull for a increased they never give me one and when I request one its always denied when will be the day they actually reward me they never do Ive had the same limit and shown responsible use and oayment history for them to be doing this to me I cant login online either and they pulled my credit without telling me and denied me again what a horrible experience they dont value my business or anything they are rude 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 explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, i contacted American Express regarding my long standing relationship with them since XXXX. 
Todate, the company has not made CLEAR about, why my long EXCELLENT history is no being reflected with ALL MAJOR CREDIT BUREAUS. 
I AM AN XXXX XXXX, WHO WOULD DEFINITELY BENEFIT from the truth of this credit information being reported accurately, Yet, AMERICAN EXPRESS seems to SELECTIVELY want to deminish my current information that they imprint on the very credit cards i hold in good standing todate. Member since ( XXXX ). I am ANGUISHED and hurt By this unfair reporting to the bureau 's. Seems they know that if they reported the truth, it would benefit from credit rating FAVORABLY. this to me, seem to be a way to hold XXXX XXXX of XXXX from fairness in the credit systems. I'm seeking to buy a home, in one of the most EXPENSIVE states in this country. 
What American Express is reporting todate is less than five years to the current credit bureaus, just enough to keep me In the red Zone with the BUREAU 'S To look like, with Lenders that I'm not trust worthy enough. 

THIS ALSO REMIND ME OF HOW XXXX WERE TREATED IN XXXX WHEN THEY WENT IN PERSON TO CAST THEIR VOTE. 

I AM OUTRAGED, OF THIS BLOCKING BARRIER.

Company response to consumer: Closed with explanation