vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I wrote a letter to Bank of America dated on XX/XX/2019 and XXXX XXXX as a goodwill letter in reference to our mortgage account. We noticed in our credit report shows late/missing payments on the account. I sent a letter to Bank of America to let them know we have never been late on our mortgage payments. I asked them to correct the information on their end. However, I admitted on the letter that I will take responsibility for those so call late/missing payments-if they can remove it from the credit bureaus. Instead they wrote back indicating that their information is correct and to contact the credit bureaus to correct the issue. I feel this have been a mistake on their end and because of it we can not go forward in apply for a business loan due to Bank of America indicating we were late/missed payments.

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 2020-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I received a call from AD ASTRA RECOVERY SERVIC about a debt I was not aware of. It does not belong to me. When i questioned the man on the phone he began yelling at me, telling me I was using COVID19 as an excuse not to pay debts, told me I was a XXXX and low life and people like me are the reason for problems today. I am not sure what the debt it for as t does not belong to me. I have tried to get information from the three credit bureaus as well as the agency direct. The credit agencies don't seem to address my issues with the profanity and lack of communication, nor with the premise this debt does not belong to me. The creditor has not responded to two letters I sent asking for written information about this debt. They have previously called several times a day starting at XXXX XXXX and continues every hour or so until about XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I've paid the balance with XXXX in the amount of {$550.00}, Bank of America in the amount of {$400.00}, and XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) in the amount of {$10000.00} between XX/XX/XXXX and XX/XX/XXXX via checking account in a settlement in exchange for a removal from my credit reports including XXXX, XXXX and XXXX. However, it still reflects as a closed and delinquent account. Please assist with the incorrect reporting and removal of these 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
Consumer complaint received 2020-08-27 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:
The FCRA states that all information reported on a credit report must be % accurate and complete or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Date Opened : Credit Limit : Last Reported : Date Last Active : Date of Last Payment :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: NC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2020-08-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
This is my second complaint I received 1 call from the card XXXX XXXX 1 voicemail I called back immediately and have called countless times and countless voicemails to them guys name is XXXX I've sent numerous emails and now 3 days later still no return call or email they know what this is about I'm tired of typing it and explaining it to have nothing done they have lied and allowed my money to be stolen my money they were suppose to protect I was told I'd get a credit and haven't ibve set on hold with the go program people for almost 40 total hours if i dont get a call saying the money is on my card I will seek legal council and sue for the maximum a lawyer can get as far as attorney fees court cost lost time for me all I want is them to do what they are paid to do get my freaking money in my account and arrest whoever stole it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a Best Buy Citi Visa credit card since the summer of 2017 and it is not on any credit reports. It has a XXXX $ limit, I paid off almost all of it except XXXX $ left. I have called them and they say they are reporting, but it isnt on any credit reports. All of my information matches the stuff they have on file though. I was hoping to get a big boost in credit score due to paying off such a large sum of 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 2020-08-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The FCRA states that all information reported on a credit report must be % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Account # : Incorrect/ inaccurate Date Opened : incorrect/ inaccurate Balance : incorrect/ inaccurate No. of Months ( terms ) : incorrect/ inaccurate High Credit : incorrect/ inaccurate Past Due : incorrect/ inaccurate Last Reported : incorrect/ inaccurate Comments : incorrect/ inaccurate, not consistent Date Last Active : incorrect/ inaccurate Date of Last Payment : incorrect/ inaccurate incomplete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX report to Experian that I was late for my XXXX payment. I wasnt given any chance to make the payment due to statement error from XXXX. The XXXX statement and XXXX statement have payment due XXXX. Ii couldnt made no payment on line.I should no be blame for them mistake.

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 2020-08-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOHELA
State: MD

Complaint narrative:
MOHELA/U.S. Department OF EDUCATION } in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing { Seriously past due date/collection, my account was charged off $ XXXX {$2500.00} } in ( XX/XX/2016 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: LEXISNEXIS
State: MS

Complaint narrative:
Lexis Nexis is reporting a Bankruptcy on my credit report. The information is reporting inaccurately. The credit report agencies claim that they have verified this information from Lexis Nexis. According to the court house, they do Not verify this information to the credit reporting agencies or third parties such as Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: NC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-08-27 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: NC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: NC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-08-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The FCRA states that all information reported on a credit report must be % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Account # : Incorrect/ inaccurate Date Opened : incorrect/ inaccurate Balance : incorrect/ inaccurate No. of Months ( terms ) : incorrect/ inaccurate High Credit : incorrect/ inaccurate Past Due : incorrect/ inaccurate Last Reported : incorrect/ inaccurate Comments : incorrect/ inaccurate, not consistent Date Last Active : incorrect/ inaccurate Date of Last Payment : incorrect/ inaccurate incomplete

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 2020-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The FCRA states that all information reported on a credit report must be % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Account # : Incorrect/ inaccurate Date Opened : incorrect/ inaccurate Balance : incorrect/ inaccurate No. of Months ( terms ) : incorrect/ inaccurate High Credit : incorrect/ inaccurate Past Due : incorrect/ inaccurate Last Reported : incorrect/ inaccurate Comments : incorrect/ inaccurate, not consistent Date Last Active : incorrect/ inaccurate Date of Last Payment : incorrect/ inaccurate incomplete

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 2020-08-27 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: MS

Complaint narrative:
failure to report all of my creditors in the credit report thereby causing a low credit score causing a denial in credit applications. I contacted the Experian credit bureau and so did my law firm to no avail.

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 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have sent two notices requesting verification of debt. I sent a request on XX/XX/2020 and another on XX/XX/2020 and have yet to receive actual statements. They leave messages on my cell phone and work office that they are from a legal team and someone will be coming to my home and place of work to serve me with papers and possibly arrest me. Its been several months and no one has come. The call at various hours starting at XXXX XXXX  and stopping sometimes as late as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
Collection account reported to credit bureaus on XX/XX/2020 after bankruptcy was filed on XX/XX/2020. 

Per Complaint # XXXX, It is Ad Astras policy to wait until the approval of the discharge associated with the chapter XXXX bankruptcy, before requesting a deletion from the credit reporting agencies and returning the account to our client. 

The bankruptcy has been discharged. Please remove this collection account from all three credit bureaus promptly. Your cooperation will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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:
Information got lost

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: NC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX I requested a free annual credit report from Trans Union, XXXX, and XXXX. 

Received written reports from XXXX and XXXX but Trans Union responded with a written request for verification of my current address - which house I own, and where I have resided, for 52 years. I called Trans Union and spoke with XXXX, a gentleman, and explained that my street address is correct but included " XXXX XXXX '' which is not correct and this is our single family residence that has been in their file since purchasing the house. XXXX stated he would make the correction. This error surfaced with Trans Union after my obtaining a credit report in XX/XX/XXXX ( that reflected my correct address ) but before obtaining my most credit report in XX/XX/XXXX. As of this date I have not received my requested credit report from Trans Union. 

Upon reviewing the credit reports from XXXX and XXXX the same address error was recognized. 

I telephoned XXXX next because their written report reflected a loan ( or credit card ) with XXXX XXXX in XXXX TX telephone # ( XXXX ) XXXX account # XXXX. Reported, was a high credit of {$740.00} and a credit limit of {$17000.00} with account opening date of XX/XX/XXXX in addition to the " XXXX XXXX '' address error. My telephone call to this number resulted in it being XX/XX/XXXX - with whom I have never conducted business. After over two and a half hours on the telephone, and speaking to five representatives ( all of whom I requested to speak with a supervisor ) I gave up as it became obvious that the representatives at XX/XX/XXXX are not capable of complying with my request for a supervisor. None of the issues have been resolved as of this date. 

Lastly, it is anticipated the same lack of cooperation with XX/XX/XXXX representatives will be experienced therefore, this complaint in seeking a resolution to include XX/XX/XXXX. 

Having over XXXX years in running a XX/XX/XXXX, owning my own XX/XX/XXXX company and XX/XX/XXXX as well as serving as XX/XX/XXXXto the XXXX XXXX XXXX it has become obvious that the credit reporting agencies that are now providing their services are not to be trusted in providing same. 

Your assistance would be greatly appreciated is assisting with the corrections above described.

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