vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 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: Premium Credit Bureau
State: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX Premium Credit Burea XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: TX

Complaint narrative:
I call lexis nexis about getting my consumer report they said they would send it out to me and it been about 3 weeks now and i still haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Harris & Harris, Ltd.
State: PA

Complaint narrative:
Harris & Harris LTD is claiming I owe them and I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I opened my account on XX/XX/XXXX. XX/XX/XXXX I was alerted by a representative from Wells Fargo that my account had suspicious charges. A claim was filed. After talking to 15+ representative, one representative assured me that the {$720.00} would be refunded back to my account within 2 days. Instead, I received a notice saying my claim was denied. When i called to speak to a representative I was told that even with proof my claim would not be able to be appealed. I asked for proof from Wells Fargo regarding their decision and received nothing. This was a new account. I have yet to receive a debit card for this 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 explanation
Consumer complaint received 2021-10-26 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: FC HoldCo LLC
State: TX

Complaint narrative:
I gave XXXX XXXX my information. Then after discussing I decided I would go through my bank. They ran my credit the next week even though I asked them not to.Then they shared my information and someone else ran 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 explanation
Consumer complaint received 2021-10-26 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: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: U.S. BANCORP
State: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX  XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX  XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-10-26 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: CA

Complaint narrative:
Reviewing my credit report after being denied for credit I discovered XXXX XXXX reported me 180 days late in non-repayment of my student loan. The late period was from XXXX, XXXX and XXXX of XXXX. XXXX XXXX was contacted on or about XX/XX/XXXX. They researched my account and found that I was in forbearance during that time and no payment was required. The account was updated in XX/XX/XXXX clearing all nonpayment and balancing the account. However, all did not balance with me. Because XXXX XXXX was not current on their paperwork processing my forbearance they reported my account 180 days delinquent. 

Speaking to a XXXX XXXX representative on or about XX/XX/XXXX I was told that they could not retract the negative reporting sent to the credit bureaus but they would write a letter stating that they reported my account late prematurely and that I was in forbearance during that time. The letter produced by XXXX XXXX did not state what was discussed. It simply stated that my account is current. 

XXXX XXXX was contacted again on XX/XX/XXXX. I explained that the letter I requested giving explanation on why XXXX XXXX was incorrect in reporting my account delinquent was in error was not received. Although the XXXX XXXX representative I spoke to explained in detail that the account was in forbearance, it was not 180 days late, the files were updated in XX/XX/XXXX, the credit bureaus were sent a delinquent report prematurely and I was told that all discussed was true they would not state it in a letter as I was promised. 

I pride myself in paying my bills on time. One of the core values instilled in me through my parents at a very young age is that if you make a bill pay it back on time. It was shocking to find out I had a negative report on my credit. The reckless, inaccurate and untimely processing of paperwork by XXXX XXXX has caused great financial difficulties for me. They have made it impossible to get a credit card, rent an apartment and limit possible employment positions of trust. 

Repayment of student loans can make or break your future financial opportunities I am already experiencing. When you have a negative credit report and poor repayment history it can cost you thousands more dollars in everything from interest on credit card to auto insurance. XXXX XXXX must do due diligence when reporting adverse credit information. There is no perfect system, however when you admit you made a mistake on your paperwork and send that negative report to the credit bureaus and you find out you made a mistake dont make the borrower the victim. XXXX XXXX should do whatever it could to correct the problem. XXXX XXXX failed to do so in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Conn's, Inc.
State: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} CONN APPLIANCES INC XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX  XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I gave rhino motors my information. Then after discussing I decided I would go through my bank. They ran my credit the next week even though I asked them not to.Then they shared my information and someone else ran it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hello, {$7900.00} was withdrawn from my bank account to an unknown source through XXXX XXXX which I signed out of in 2018 and haven't used since. I do not trade Bitcoin or know anything about cryptocurrencies for that matter. I wouldn't begin purchasing hundreds of hard earned money to send away to some unknown Bitcoin ID. The only thing I used XXXX XXXX for was buying meals back in 2018. It is blatantly obvious that the fraud has occurred through XXXX XXXX to some nefarious Bitcoin account which I have no knowledge of since I have never dealt with Bitcoin. To suddenly see my bank account drained of all my earnings and savings is devastating. The bank believes it's a XXXX XXXX issue and XXXX XXXX is not offering me any assistance whatsoever. Please offer me assistance as to whom I should contact. There is a high sense of urgency as I need to recover my money. I really need help with this. I am at a road block with the bank and with XXXX XXXX. I realize my rights under regulation E and federal law protection. 

Thank you, 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 2021-10-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are a few accounts on my report I do not recognize

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 2021-10-26 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: Credit Plus Inc
State: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries Credit Plus XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
In XX/XX/XXXX, our mortgage company paid the wrong amount on our XXXX property taxes from our escrow account. They paid a total of {$1400.00} ( in 2 separate payments for some reason ). The amount was about {$400.00} short ( we don't know why they didn't pay it in full ). The county then sent back the partial payment to the mortgage company, as that is their policy. The mortgage company did not investigate at that point or notify us. 

In XX/XX/XXXX we received a check for {$1800.00} from the mortgage company. We thought that was odd so we contacted them. They told us about the county sending the {$1400.00} back to them. We asked why and they said there were not sure why it happened. At this point, we had received no XXXX property tax bill or statement or any notice of any delinquency. We asked them to do an " investigation '' of the matter. We did not hear anything else from them about the investigation. Since we also did not receive anything from our county, we thought the check was some kind of overpayment from something in the closing of the loan since it was just closed in XX/XX/XXXX. 

Last week ( XX/XX/XXXX ), we received a letter from an attorney stating our delinquent property tax bill had been purchased by a private company and that we would need to pay a total of {$3500.00} or our house will be subject to foreclosure as of XX/XX/XXXX. This amount includes delinquency fees and attorney fees. 

We spoke to our mortgage company on XX/XX/XXXX and told them about the letter. We were told this was not our error and that they would be investigating it. We have not heard anything from them since then. We made sure to tell them this was an urgent matter. 

After a lot of phone calls, we have discovered that the county had been sending our tax bills and notices for XXXX to the wrong address, our old address, where we had not lived in over a year. We are not sure why someone on the county level did not properly record the address from the deed. We are still looking into that. But that explains why we never received the XXXX tax bill or any notices of the taxes not being paid. We thought our mortgage company was taking care of it, as they were supposed to. 

We would also like to note that they have already sent a payment for the XX/XX/XXXX year and it is once again the wrong amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting that I have one account that is late ( this is Comenity, they are horrifying but I've already filed that complaint ). Experian is noting that I have five ( 5 ) accounts not being paid on time, but only 1 late payment.

This does not make sense. AND, all of my accounts are being paid on time, and as agreed, unless Experian is reporting EARLY payment as " bad '' financial management.

I want the below investigated, as this is negatively affecting my Credit Report : Quote ( and also see attached file ) : Few Accounts Paid On Time You have an insufficient number of accounts that are currently paid as agreed.

Number of your accounts currently being paid as agreed 5 accounts The FICO Score considers the number of accounts showing on time payments. Generally, the higher the number reported the lower the risk. Compared to other people with a similar age of credit history, the number of accounts you have that are currently paid as agreed is low.

FICO High Achievers have an average of 6 accounts currently being paid as agreed.

End Quote

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 2021-10-26 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number 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 2021-10-26 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: MD

Complaint narrative:
Equifax is in violation of Federal Law, please see my intent to sue letter and exhibits

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/2021, I got an email from PayPal stating I needed to provide more information to them for my paypal account which was hacked months previous after I was locked out and couldn't get in. my paypal was hacked. 
Paypal is harassing me and claiming i haven't responded to them. 
well i haven't gotten any notice from them for one all my numbers changed. i moved from XXXX XXXX to XXXX XXXX for XXXX  reasons and my address is now confidential they only have a right to my mailing address by state law. also also i am not a XXXX  a XXXX  so they can stop on behalf of XXXX  sending emails to XXXX ok. my alternative email is XXXX and my main email is XXXX is my current phone number is further is the complaint that should be linked to my paypal so i can reset my password and get into the account should be remove all other number there are not mine or are old numbers. ive already summited my identification but will do it again if i have to. on the next page.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: IL

Complaint narrative:
hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX say I have good credit. What XXXX XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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