vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, I am writing complaint to request immediate investigation on inaccurate items on my credit account. If inaccurate, they must be removed in order to show my true credit history as these items should not be on my Credit Report. According to the Fair Credit Reporting Act. I request you to reinvestigate this verification within 30 days. 
**Address report** XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX These addresses are inaccurate, XXXX XXXX have only true address which i enclosed its proof below. Please delete these incorrect address, **Credit Card** _XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX This account states i have late payments on XX/XX/XXXX, XX/XX/XXXX. This is inaccurate. Please update payment agree. 
**Account** _XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine. Delete it!! 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX   XXXX XXXX : XXXX. XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I do not have a financial obligations with THEM. Please delete this reference on all credit reports. 
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX I don't own this company any money and never receipted any credit from them. Provide me full document about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
The main reason for writing this is to request a review of my negative remarks on my account by XXXX XXXX XXXX, now First Horizon Bank who initially declined my request after contacting them. 

I am kindly requesting the removal of a negative remark on my account from all three credit reporting bureaus for I am petrified I might end up homeless. 

My main issues started at the time when I moved to campus for my XXXX year in XXXX  was going through financial hardship. 

I took a back foot and was not able to make any payments during that time. 

I will attach proof of XXXX  status at that time through my enrollment verification. 
Kindly please review this document. 


I am requesting a review more so now after all this time is mainly because. 

First, I currently feel stuck and I am in emotional stress since my roommate is currently getting ready to move in with his girlfriend and it is not possible for me to live with them anymore. 

I met with my roommate when I moved to California for a job immediately after graduation With this being a big shift, going out on my own to a different city, It was hard for me to find a place to stay. 

Luckily, this was when he decided to help me which was meant to be temporary as I was finding a place to stay However, I ended up staying for a year. 

Secondly, because of the negative remark on my credit card. 

Nobody deems me credible even though it is not the case. 

I was desperately seeking help and did a XXXX search on how I can get my credit fixed online At this time, I was trying to find a place to stay after my temporary stay was coming to an end. 

The simple search led me to a credit repair company that promised to help me delete the account legally and fast within a specified time. 

Nothing specifically changed and I looked for a solution from other credit repair companies who promised heaven but delivered nothing basically. 

But again, nothing really changed, and it is during this process that they all advised me STOP MAKING payments. 

They claimed that it will be easier for removal, and in the process, I was still getting charged upwards of {$100.00} a month for this. 

Since nothing seemed to change, I felt betrayed, lied to, and scammed. This has left me in a very depressive and mentally challenging state. 

A sample email I sent to one of those companies complaining about their service is attached below Hence, therefore, I finally decided to reach out to you for assistance. 

I'm kindly requesting that my negative remark removed from all 3 credit bureaus. 

This is in hopes that when my roommate moves his girlfriend in, I will be able to find a place to live. 

Kindly looking forward to your response and consideration of this matter. 


Yours, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
Online information services has placed a collection account on my credit report without notifying me there is an alleged debt in my name and giving me the opportunity to dispute the debt. I have repeatedly requested validation of this debt and have yet to be provided with such documentation. I have disputed this debt with all three credit reporting agencies as well as contacted the XXXX XXXX XXXX. I am requesting a signed document, something tangible that supports that I, XXXX XXXX entered into a credit contract with this company and or it's affiliates. I have contacted the alleged " original creditor '' XXXX XXXX XXXX XXXX, who states they have no documentation of any outstanding debt with them. I currently have gas service in my name and XXXX XXXX  states that if I had a past due account it would have been synced with my current account and would have been paid. This collection agency has no supporting evidence that I've ever lived at the address this alleged service was provided. This debt was purchased without validating that it was authenticate and then placed it on my credit without attempting to contact me. This has adversely affected my credit rating. I have discussed this matter at length with this collection agency and as of todays date they refuse to remove it from my credit report. I have never received a notice of collection, an intent to place it on my credit report and or any other notice of this debt prior to seeing it on my credit report with a random check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PMAB,LLC
State: NC

Complaint narrative:
I sent an account validation letter to PMAB that was received in their office on XX/XX/2020. I received a response date XX/XX/2020. First problem was that i did not receive anything that was signed by me to give the permission to have access to very private information. ( HIPAA violation ) The next problem I noticed was that they have changed the account number from what they are reporting to the 3 major bureaus.Example : One account is being reported as XXXX but they responded to my validation letter listing that account as XXXX. They did this for each account i requested validation for. I have tried to dispute these accounts with the bureaus and they are giving me push back when I forward the information to them that I received from PMAB. This is clearly an attempt to keep me from disputing the validity of these items.I have been keeping very meticulous records of this situation. I will not hesitate to use all resources available to me to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, I am writing complaint to request immediate investigation on inaccurate items on my credit account. If inaccurate, they must be removed in order to show my true credit history as these items should not be on my Credit Report. According to the Fair Credit Reporting Act. I request you to reinvestigate this verification within 30 days. 
**Address report** _XXXX  XXXX XXXX XXXX , OH XXXX _XXXX  XXXX XXXX XXXX, OH XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX _XXXX  XXXX XXXX XXXX XXXX, IN XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX TUNKHANNOCK, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX These addresses are inaccurate, I just have only true address which i enclosed its proof below. Please delete these incorrect address, **Credit Card** _XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX This account states i have late payments on XX/XX/XXXX, XX/XX/XXXX. This is inaccurate. Please update payment agree. 
**Account** _XXXX XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine. Delete it!! 
_XXXX  XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX I do not have a financial obligations with THEM. Please delete this reference on all credit reports. 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX I don't own this company any money and never receipted any credit from them. Provide me full document about 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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, I am writing complaint to request immediate investigation on inaccurate items on my credit account. If inaccurate, they must be removed in order to show my true credit history as these items should not be on my Credit Report. According to the Fair Credit Reporting Act. I request you to reinvestigate this verification within 30 days. 
**Address report** _XXXX  XXXX XXXX XXXX , OH XXXX _XXXX  XXXX XXXX XXXX, OH XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX _XXXX  XXXX XXXX XXXX XXXX, IN XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX These addresses are inaccurate, I just have only true address which i enclosed its proof below. Please delete these incorrect address, **Credit Card** _XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX This account states i have late payments on XX/XX/XXXX, XX/XX/XXXX. This is inaccurate. Please update payment agree. 
**Account** _XXXX XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine. Delete it!! 
_XXXX  XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX do not have a financial obligations with THEM. Please delete this reference on all credit reports. 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX I don't own this company any money and never receipted any credit from them. Provide me full document about 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 2020-06-23 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:
There are several accounts reporting incorrectly and there are accounts that are reporting as a result of identity theft. Please correct the following inaccurate status and remove the following fraud accounts : Incorrect Personal Information : Names : XXXX  ( XXXX  ) Names : XXXX XXXX XXXX ( Equifax ) ; the correct is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ( Equifax, XXXX, XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( Equifax, XXXX, XXXX  ) The following status is inaccurate on the following accounts : XXXX - Opened XX/XX/XXXX Balance : {$15000.00} I was never 90 or 120 days late XXXX - Opened XX/XX/XXXX Balance : {$0.00}. I was never 30 days late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Opened XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  ) Bal : {$2800.00} XXXX ( XXXX XXXX ) - XX/XX/XXXX Bal : {$2900.00} ( XXXX  ) XXXX  ( XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX Bal. {$110.00} ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  ) Bal : {$3500.00} XXXX  ( XXXX  ) Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX XXXX Equifax ) Bal : {$120.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( Equifax ) Bal : {$260.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( Equifax and XXXX  ) Bal : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( Equifax ) Bal : {$160.00} XXXX  XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( Equifax ) Bal : {$120.00} XXXX  - Date Open : XX/XX/XXXX ( EQUIFAX ) BAL : {$100.00} XXXX  - Date Open : XX/XX/XXXX ( EQUIFAX ) BAL : {$360.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$1200.00} XXXX - Date Open : XX/XX/XXXX ( EQUIFAX ) BAL : {$3500.00} XXXX  XXXX - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  ) BAL : {$0.00} XXXX XXXX  - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( Equifax & XXXX  ) BAL : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$2300.00} XXXX - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$1000.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$0.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$1700.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$0.00} UNAUTHORIZED INQUIRIES : XXXX/XXXX  XXXX XXXX XXXX XXXX ( 6 TIMES ) XXXX XXXX ( 2 TIMES )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I went to XXXX XXXX XXXX XXXX in XXXX, NC, yesterday, XX/XX/2020 to shop for a new truck. They ran my credit and I said if it didnt look like they could do it, we didnt want to try, but today there are 6 inquiries on my report. I had no idea that they would all show up, especially since we only went to one dealership and didnt ask to run it multiple times.

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 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
We closed on a refinance XX/XX/20 and chose to cancel the transaction within the 3 day cancelation period ( XX/XX/20 ). Freedom Mortgage & XXXX XXXX did not cancel and paid off existing mortgage and recorded Deed of Trust for new mortgage. Upon receiving notification that my existing loan was paid in full ( on or about XX/XX/20 ), I contacted Freedom Mortgage and the XXXX XXXX. The payoff wire transfer was rescinded and my existing mortgage is reinstated. However, Freedom Mortgage still never canceled refinance mortgage and said it had been sold to " Investor ''. I have tried contacting Freedom Mortgage. The only contact I can consistently make is with a Customer Care Rep who tells me I am delinquent on payment for the mortgage I canceled with Freedom. I received a letter in the mail from XXXX XXXX ( dated XX/XX/20 ) notifying me the mortgage loan had been transferred from Freedom Mortgage effective XX/XX/20. I once again contacted XXXX XXXX  ( on or about XX/XX/20 ) and notified them that the Deed of Trust had recorded and requested that a Release Deed of Trust be obtained and recorded. on XX/XX/20 I contacted XXXX  XXXX  and a case was opened ( Case:XXXX ). I need assistance to prevent Freedom Mortgage from ruining our credit!

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 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I booked travel with Capital One Venture in XX/XX/2020. In XX/XX/2020 the airline cancelled the flights. I am still fighting for my refund with Capital One. They keep saying 1-2 billing cycles. It was cancelled in XX/XX/2020 by the airline. The airline has refunded Capital One, Venture but Capital One continues to hold my money/refund. I have spent in excess of 6 hours on the telephone waiting, and speaking with people who assure me the refund will be process immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo stated that Covid related forebearance would not go on the credit record, but it did and they have caused many problems since then. When everything started with covid-19 Wells Fargo reached out to mortgage customers like myself to say they could assist if you needed it or were making changes to your loan. At the time I was refinancing my house through another local lender and looking have a safety net with the change over and losing a few hours at work. I contacted Wells Fargo and explained the situation, and they recommended that I take the payment assistance through forbearance. I expressly asked if it would change anything on my credit and they said it would not. I accepted the assistance and kept moving forward on my refinancing. After this Wells Fargo did submit a change on my credit report that did list the mortgage in forbearance. It made my refinance fall through 5 days before the closing date. When I contacted Wells Fargo a representative told me that they discovered this was happening because they did not properly disclose what could happen when you used their assistance program and how it would effect refinancing. I asked to be removed from forbearance immediately and for them to send me a letter as proof of being removed from the program. From this point I started working with my local lender again and they said I would need to wait for the three credit bureaus to update in order to move forward. I contacted each bureau and submitted a dispute so they could verify the change. Today I was contacted by XXXX  and told that Wells Fargo stated that I was still in forbearance, did not confirm the change. I feel like this is happening because I'm looking to change lenders and they want to place roadblocks for me to get refinanced. The longer this takes the more interest is charged and collected by them. I'm looking for help because I don't know where to turn to.

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