vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 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: DC

Complaint narrative:
I have reported multiple times to all Credit Reporting Companies ( XXXX, Experian, and XXXX ) that XXXX  Account # XXXX has me late 60 days XX/XX/XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.

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 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America are reporting my information to the credit bureaus with a wrong name. 
My Name is Mr XXXX as federal documents can proof. 
Bank of America are reporting as a XXXX XXXX, my accounts with them was always Mr 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 non-monetary relief
Consumer complaint received 2021-10-12 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: NJ

Complaint narrative:
This is the second CFPB complaint that i am filing about account ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX i filed the first complaint stating that On XX/XX/XXXX i sent a hippa letter to XXXX credit Bureau on XX/XX/XXXX they sent me an notification on XXXX stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that XXXX was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and transunion was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola date. After sending this first complaint the company sent a message stating that they were gone to investigate it on XX/XX/XXXX they were still supposedly working on it.. Then on XX/XX/XXXX I received a email stating that the dispute was finished and updated but when i went to check the results absolutely nothing has been changed its the exact same way and reporting the same info as before the dispute

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 2021-10-12 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: NY

Complaint narrative:
I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. The following information listed in this report I have no relation to. This has hindered me to be able to build a good credit profile. Under FCRA 605B I am requesting that this information is removed from my credit report within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any original documentation stating that I owe a debt to these creditor. Failure to comply will result in a litigation process against all parties involved including any agency reporting fraudulent information to my credit profile. 

The following information is fraudulent. 

XXXX XXXX XXXX Balance {$4300.00} XXXX XXXX XXXX Balance {$520.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX Please Mail all correspondance to XXXX XXXX XXXX XXXX XXXX NC 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 2021-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$2500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-10-12 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am writing this in hopes it finds the correct person. I went to the Kia of XXXX dealership in XX/XX/XXXX to discuss the transition of my existing lease. There, I met with a sales associate named XXXX. I didn't want to be late in turning in my XXXX XXXX lease especially as my delivery date was coming up. 

When discussing my new lease options, XXXX graciously offered to take back my current lease and waive any fees that would be associated with me terminating my lease a few months early. He made me feel confident that there would be no further financial liability for the XXXX XXXX that we had turned in. 

With this information, we agreed to take out two new leases instead of just one as we loved the service and dealership so much and were wanting to stay with XXXX vehicles as our past vehicle experience was great. 

XXXX spoke with his manager XXXX who approved the deal, and we left with our two new vehicles, very satisfied. 

For the next couple of months, we were heads down due to XXXX and the delivery and care for our new baby. Once we came up for air in XX/XX/XXXX, I noticed my credit score had dropped 100 points and my previous auto loan was still showing a balance of {$730.00} owing. Also, that the balance was now stating it was charged off with a default date of XXXX XXXX the month I turned in my vehicle. 

Short-staffed and in the middle of COVID, I understand that things were very hectic at the dealership during the time of my visit, and this may have been an oversight on their part, but I was made a promise that hasn't been fulfilled. 

I have tried to contact XXXX, the sales rep, XXXX, the sales manager, and the general manager Mr. XXXX of the dealership, and they failed to honor the deal we made and rectify the situation. I get it- their credit scores didn't plummet only mine, but no one seems to care. 

I can't seem to locate any written documentation showing our agreement which yes I should have ensured I received however I am asking that you please honor our verbal agreement and remove the balance owed and charged-off status account from my credit reports. It should just report it paid in full, as agreed with a final update date of XX/XX/XXXX. 

Again, I am a long-time brand ambassador for Kia and I am always telling my friends and family, even strangers, how much we love our vehicles and the dealership. I would estimate that 3-4 people of my friends, family and members of my church that I told about my car have actually gone and bought Kia 's . I beg you to please do the right thing and act on this right away. Please correct my credit report so I can get my credit scores back.

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 2021-10-12 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
CAINE & WEINER - XXXX is a fraudulent account reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, my TransUnion XXXX credit score dropped from XXXX ( excellent ) to XXXX ( very good ). I reviewed my credit report and found no errors -- all balances went significantly down, there are no inquiries, past due payments or any other adverse information. I have established a credit file more than 35 years ago. How can a credit score go down 33 points for absolutely no reason? There is no way to dispute a credit score with TransUnion. I understand that a credit score can fluctuate, but there must be a glitch here.

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 2021-10-12 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: TX

Complaint narrative:
I have disputed the incorrect information on my credit report for several months with TransUnion, XXXX, and XXXX and I have not been able to get the errors on my credit report corrected. There are several erroneous accounts on my credit report from creditors that I have never had an account with and I want this information to be removed immediately. I have never had an account with XXXX XXXX for {$740.00}, XXXX XXXX XXXX XXXX for {$630.00}, XXXX XXXX XXXX XXXX for {$910.00}, XXXX XXXX {$680.00}, XXXX XXXX  {$1200.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX {$440.00}, XXXX  {$740.00}. Please remove the incorrect information from my credit profile as it is negatively impacting my scores.

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 2021-10-12 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: CA

Complaint narrative:
XXXX XXXX XXXX - XXXX is a fraudulent account reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I behind the mortgage payment 9 months now. I want my bank give me more time to get assistance from XXXX soon or county I live.the offer me loan modification.but I dont want this. I will star working on new year and will able to pay all my debts, and back to regular payments. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: NJ

Complaint narrative:
This is the second CFPB complaint that i am filing about account ( XXXX XXXX  XXXX XXXX ) on XX/XX/XXXX i filed the first complaint stating that On XX/XX/XXXX i sent a hippa letter to experian credit Bureau on XX/XX/XXXX they sent me an notification on experian.com stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that experian was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and XXXX was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola date. After sending this first complaint the company sent a message stating that they were gone to investigate it on XX/XX/XXXX they were still supposedly working on it.. Then on XX/XX/XXXX I received a email stating that the dispute was finished and updated but when i went to check the results absolutely nothing has been changed its the exact same way and reporting the same info as before the dispute

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 2021-10-12 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:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date openedXXXX Balance {$570.00} StatusAccount charged off. {$570.00} written off. {$570.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date openedXXXX Balance {$1000.00} StatusAccount charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date openedXXXX Balance {$0.00} StatusClosed. {$960.00} written off. 
XXXX XXXX  XXXX Potentially negative Date openedXXXX Balance {$1800.00} StatusAccount charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX/XXXX  Potentially negative Date openedXXXXXXXX Balance {$0.00} StatusClosed. {$1700.00} written off. 
XXXX/XXXX  Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
XXXX  XXXX  XXXXXXXX XXXX XXXXXXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX credit score dropped from XXXX ( excellent ) to XXXX ( very good ). I reviewed my credit report and found no errors -- all balances went significantly down, there are no inquiries, past due payments or any other adverse information. I have established a credit file more than 35 years ago. How can a credit score go down XXXX points for absolutely no reason? There is no way to dispute a credit score with XXXX. I understand that a credit score can fluctuate, but there must be a glitch here.

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 2021-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC CLOSED MY ACCOUNT WHEN I WENT TO OPEN AN ACCOUNT OF FOR MY XXXX YR OLD SON : THEY STATED THE WOULD NOT OPEN AN ACCOUNT FOR HIM AND THEY ARE ALSO GOING TO CLOSE MY ACCOUNT : AS THEY DID, THEY CLOSED MY ACCOUNT WITH NO REASON : MUILTI CALLS AS TO WHY MY ACCCOUNT WOULD BE CLOSED AND THEY SAID THEY HAVE A RIGHT TO CLOSE MY ACCOUNT PERIOD. 

THEY KEPT MY FUNDS FOR OVER 20 DAYS MY ACCCOUNT WAS IN GOOD STANDS AT THE TIME THEY CLOSED IT : I RESEARCHED THE MATTER AND PNC AND MANY other banks are randomly closings accounts OF MINORITIES AS WELL AS PEOPLE WITH SMALL AMOUNTS DUE TO THE MERGER PERHAPS, IT'S CURRENTLY A CLASS ACTION LAW SUIT BEING FILED FOR DISCRIMINATION : they reported me to early warning credit as abuse ( with no documentation of abuse ) I'm currently not about to open a normal bank account due to being racial discriminated by PNC and XXXX XXXX XXXX : I will be posting the details with XXXX on a separated compliant : i have over 200 statements from PNC opening an account for my son and sending us both online bank cards, then letters stating they would closed : No verbal nor written reason was given and the documents received do not reflect abuse however they reported this to early credit warning as Abuse : this is very misleading and a discriminating process as well as preventing me from opening up a bank account : I HAVE ATTACHED A FEW STATES AND THE EARLY WARNING FILE : BOA AND PNC HAS FALSE INFO REPORTED, I HAVE THE FULL DETAILS FOR XXXX AS WELL. 

Account # : XXXX CLOSED XX/XX/2020 2020

Company response to consumer: Closed with explanation