vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 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: CL Holdings LLC
State: FL

Complaint narrative:
I have been trying to get some proof of this account that is being reported as a derogatory on my credit report by Jefferson Capital System, I have sent certified letters on XX/XX/2021 which I have included proof that they received on XX/XX/2021 but I still have not received a response from them, I reported this dispute to the credit bureaus and it was removed only to be put back on my credit report the following month without providing me any sort of proof that this debt belongs to me which I assure you does not belong to me, I have been with XXXX XXXX  for over six years so I would not need the services of XXXX. I am requesting a copy of a drivers license, signature, copy of a contract, or anything that I could use to prove this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: FL

Complaint narrative:
So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to XXXX, XXXX  and Transunion. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.

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 2021-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control
State: CA

Complaint narrative:
I spoke to a company that is reporting inaccurate information on my credit report they advised me that they dont have a email or a process in place as far as time frame for the inaccurate information to be removed from my credit report. They advised the service was rendered on the XXXX of XXXX and this is ruined my credit by 30 points with no end on site. I want the company to remove the inaccurate information from my credit report immediately. I would want paperwork to be provided of the service rendered as well as the debt amount showing that it has not been paid or is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: FL

Complaint narrative:
So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to experian, XXXX  and XXXX. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.

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 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery Service supplied fake credit card statement claiming that I owed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: EQUIFAX, INC.
State: CT

Complaint narrative:
- The FTC site says that I can go to XXXX to download my credit reports from Equifax, XXXX, and XXXX. I did that for all 3 agencies.

- There was incorrect information on all 3 reports. I called up each agency and they told me that they have different information and that XXXX does not have the latest credit reports. The wrong information on the reports from XXXX has been on those reports for years. 
- I do not want to have to create an account with these 3 agencies just to download my credit reports, but all 3 told me that I have to do that to get the reports with the real and accurate information. I understood that by law I should be able to download my credit reports.

- I also don't want to spend hours calling the 3 agencies to get my credit report.

- In addition, I don't know which version of my credit reports are being communicated to those that are checking my credit. There should only be one official version of my credit report not multiple versions. How do I know that companies are getting the right version of my credit report if there are multiple versions on the agency 's sites vs. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Well i called theyboffered me XXXX, and said i coukdget that and i would just have to pay {$80.00} as insurance a payment up front in case i miss one, in need i sent it, then i did not recieve anything called the next day tthey said fdc has a hold on it paened my items to pay for XXXX was sent nothing the next day i called asked for my money back they clamed to send it back to me but havent received anything and now they dont answer my call XXXX Name is claimed to be XXXX XXXX with upstart

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: FL

Complaint narrative:
The 3 credit report agencies have put me on XXXX XXXX XXXX  and with speaking to all three number of times refuse to tell me why my information was leaked with someone else. 

Also UPGRADE BANK APPROVED ME FOR A LOAN AND WITHOUT AUTHORIZATION OPENED A CHECKING AND IN MY NAME AFTER I SUBMITTED DOCUMENTS FOR A LOAN NOT A CHECKING ACCOUNT!! 

I WANT THE CFPB TO GET UPGRADE TO CLOSE THE ACCOUNT THEY WILL LOCATE WITH INFORMATION PROVIDE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX has always reported me as a credit risk. Regardless of how well I pay my bills or pay off my bills my scores with this company continue to be in the fair zone, costing me higher than normal interest rates. I attempted to address this matter with them but I was unable to get pass their automated system, there were no prompts that allow for a live operator or an email response. It almost seems when I report a problem to an attorney, government agency, etc, XXXX  retaliates by lowering my score or adding old information to 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 2021-08-11 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: FL

Complaint narrative:
Around XX/XX/XXXX, I submitted a dispute because there was a few fraudulent accounts on my credit report. I have nver done any business with these companies. I am not a person that checks their credit frequently but i check it because i am trying to get a house for my family and i saw the fraudulent accounts. I reach out to the credit bureaus XXXX  XXXX and transunion regarding these accounts and they explain to me that i need an FTC report. i am asking that these account to be removed from my credit because ive nver done business with these companies.

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 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo Bank reversed my stimulus payment in XXXX which caused my account to go negative. They also did not credit my account for a deposit in the amount of XXXX which created multiple overdraft fees. I called to discuss the transactions and freeze my account but they allowed charges to continue to occur. They also debited my entire government funds with intention to resolve overdraft fees that put me in a financial devastation. The insitution then in turn did not properly notify me or acknowledge any disputes and have since closed my 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 2021-08-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has reported an outdated balnce to 3 CRAs since XXXX. XXXX XXXX reports the alleged debt as collections. XXXX XXXX has not provided written contract with my signature. The alleged amount has been paid by the federal government and this company is trying to collect the same amount from me. On or around XX/XX/XXXX, I requested a reasonable review within 15 days to remove the derogatory remark. The last letter I sent was to its PO box in XXXX, Florida. I have not received a response from the company within 30 days of receipt of my debt validation letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TN

Complaint narrative:
On XX/XX/XXXX year of 2021 i received notice that a change to my credit has been made from Equifax. I used the app i have to investigate the situation, upon clicking of Equifax I noticed a 70 pts drop in my credit. Giving that i have froze my credit there should be no reason why my credit dropped that low moreover the face that it just increased 98 points just back in XXXX. XXXX  XXXX XXXX has closed an account on my report which should not normally drop my credit score that much. I believe this an attempt to damage my report because of the investigation I have had in previous months. Accounts have closed before and none had a drop let alone a drop that low that is very impactful to my financial status. Why was the account closed without giving me proper notice about it being closed? Why did my credit score drop so much for an account closing?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: CT

Complaint narrative:
- The FTC site says that I can go to XXXX to download my credit reports from XXXX, XXXX, and TransUnion. I did that for all 3 agencies.

- There was incorrect information on all 3 reports. I called up each agency and they told me that they have different information and that XXXX does not have the latest credit reports. The wrong information on the reports from XXXX has been on those reports for years. 
- I do not want to have to create an account with these 3 agencies just to download my credit reports, but all 3 told me that I have to do that to get the reports with the real and accurate information. I understood that by law I should be able to download my credit reports.

- I also don't want to spend hours calling the 3 agencies to get my credit report.

- In addition, I don't know which version of my credit reports are being communicated to those that are checking my credit. There should only be one official version of my credit report not multiple versions. How do I know that companies are getting the right version of my credit report if there are multiple versions on the agency 's sites vs. 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 2021-08-11 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
- The FTC site says that I can go to XXXX to download my credit reports from XXXX, Experian, and XXXX. I did that for all 3 agencies.

- There was incorrect information on all 3 reports. I called up each agency and they told me that they have different information and that XXXX does not have the latest credit reports. The wrong information on the reports from XXXX has been on those reports for years. 
- I do not want to have to create an account with these 3 agencies just to download my credit reports, but all 3 told me that I have to do that to get the reports with the real and accurate information. I understood that by law I should be able to download my credit reports.

- I also don't want to spend hours calling the 3 agencies to get my credit report. 
- In addition, I don't know which version of my credit reports are being communicated to those that are checking my credit. There should only be one official version of my credit report not multiple versions. How do I know that companies are getting the right version of my credit report if there are multiple versions on the agency 's sites vs. 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 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
XX/XX/2021 call from amazon stating fraud charges on my acct. Over {$1300.00} from a book club in CA Press # 1 talked to XXXX XXXX (?? ) told him I was not at home to use my computer and to call me back later. Was told not to give personal info to anyone. Found out it was a fraud call and did not answer any return calls ( about 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have these item that is not mine and i want it to be removed. 

1. Identity Theft JPMCB CARD Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
ON or about the day after XXXX XX/XX/XXXX, I submitted for a loan modification to my mortgage lender Mr. Cooper. At the time I was only 2 months behind ( {$3000.00} ). In my application I was not asking for a reduction in principal, i was simply asking to have the 2 months that I was behind moved to the end of the loan. After going back and forth with the company providing all of the documentation requested some of it duplicates. After me reaching out to them on numerous occasions to get updates or to see if they needed any additional documentation, I received a letter from Mr. Cooper dated XX/XX/XXXX informing me that they have denied my modification request. Now I owe roughly {$34000.00} and they have initiated foreclosure proceedings. Just this week I received a sale date of XX/XX/XXXX. I feel like this process should not have taken 1 year and 6 months for them to make a decision. It is as if they want me to loose my home. I am hoping this complaint will shed some light on Mr. Cooper home loan company and there practices as well as help me to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This debt is not mine. However I have received a collection on my credit report about the debt and the collection company has now reached out to me. I tried to dispute with the creditor, but the debt is now sent to the collections agency who notified my on XX/XX/2021 about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
ACCOUNT LOCKED WITH APPLE CARD GOLDMAN SACHS I have been contacting Apple Card Support for 10 days regarding my card account being locked. They keep mentioning that it's for some safety and security reasons, but I'm waiting for outbound calls that haven't come. One was with technical difficulties where i couldn't hear anyone, the other was outside of the hours of availability I gave them.

I keep contacting support who says that someone will call me, but it's the same answer every single day, either through the Apple Support messages or over the phone. They've notated my account, but I have not received the call. 

It's unfair that I have to wait this long without a deeper answer. I still have a balance and line, I am still ME, and Apple Support can't even be bothered to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: PA

Complaint narrative:
There was a request for my credit report from Equifax Mortgage Solutions. I did not request this and am not familiar with the request at all. This is on the XXXX  site. I have frozen my credit reports. 
My employer recently informed me that there was a fraudulent unemployment report filed with my information. That is when I froze my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This debt is not mine. However I have received a collection on my credit report about the debt and the collection company has now reached out to me. I tried to dispute with the creditor, but the debt is now sent to the collections agency who notified my on XX/XX/2021 about the debt.

Company response to consumer: Closed with explanation