vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Getting very frustrated about this whole situation already. Clearly abuse of the system with failure to verify a bankruptcy. Which I have already disputed and put in a complaint on XX/XX/21 # XXXX where it was attached and confirmed that it would be removed. 

But XXXX and XXXX are still reporting this account and stating it is verified Attached will show the copy of the complaints and responses I still have gotten and updated file from Lexis Nexis either since I requested with the information I sent by mail. 

I disputed, asked them to investigate and give me the source of the information and kept running me in circles asking for another disclosure here and just saying it was verified and not providing any information and anytime I asked they would say they needed another disclosure. 

I want a full revised report sent to me from Lexis Nexis. I want them to send the removal notice to XXXX and XXXX to delete these items. 

XXXX has not responded to a single dispute and keep giving me run arounds. This is completely unacceptable. It is my right per the FCRA to properly investigate items within a reasonable timeframe or remove it. 

Now how are they investigating items if I have a paper saying it was removed from my file but still almost 2 months later it is still listed. 

Before anyone get this complaint and claims to be unable to help due to verification please look at the attached items where my " CURRENT DRIVERS LICENSE WITH ADDRESS IS INCLUDED, SOCIAL SECURITY CARD AND A COPY OF A RECENT BANK STATEMENT. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: First Mortgage Solutions
State: CA

Complaint narrative:
If i could give zero stars i would. From day one this pathetic excuse for a company overpromised, lied, misled me for weeks. Up until the day i was supposed to close. They dropped the ball multiple times. I have never experienced someone so incompetent. I lost my home because XXXX, XXXX and the rest of the clowns have zero idea how to do their job. If you wa n't to actually close on your home, DO NOT WORK WITH THESE PEOPLE. DO NOT FALL FOR THEIR TEASER RATES THEY PROMISE. The second the paperwork was signed, they completely turned the tables. I hope this company goes out of business before they have a chance to completely XXXX someone else 's life. Now i am living in my car after driving across the country to close. Disgusting practices by this piece of XXXX  company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I applied for a loan with LoanPal for a solar system purchased through XXXX XXXX and contracted through XXXX  XXXX. The terms of the loan included the provision that the loan would not originate until I certified that the system had been completed. The first payment would be two months after the system came on line. They originated the loan on XX/XX/2021 over two months before construction had been completed. They have already started taking money from my account and the system has not yet produced even 1 watt of power.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: MS

Complaint narrative:
I SENT OFF LETTERS ON XX/XX/2021, TO THE CRA 'S ( TRANSUNION, XXXX, XXXX ) ABOUT NEGATIVE ITEMS THEY ARE REPORTING ON MY CREDIT PROFILE. THE INACCURATE INFORMATION, INCLUDING MY NAME AND ADDRESS HAS NOT BEEN VERIFIED TO ME AND ITS CONTINUE TO BE POSTED KEEPING ME FROM OBTAINING CREDIT. I HAVE ATTACHED COPIES BELOW FOR MY RECORDS

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 2021-04-27 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: GA

Complaint narrative:
I have inaccurate information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please help assist me, I have already tried addressing and requesting verification and validation and I do not even get a response back from the creditor nor the credit agencies. There are very old student loans back from 2014 in which were paid off and reporting inaccurately. I was never past due and just this year saw how they are reporting on my credit file. The information is inaccurate and false. 

There are six accounts total reporting and they all are listed DEPT OF EDU / XXXX XXXX I never had six loans total there are also duplications. Please help

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 2021-04-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently wrote you on XX/XX/2021 in regards to erroneous items on my report and I have yet to here back from you. It's been well over the 30 days, and as stated in Section 611 ( a ) of the FCRA, failure to investigate disputed items within 30 days leads to deletion of items. I'm looking forward to these disputed items to be deleted immediately or I plan to file litigation for the stress that's been caused against me. My information was also impacted by the XXXX Data breach, and may have got into the wrong hands and person.

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 2021-04-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I made several attempts on XX/XX/2021 via phone to dispute inaccurate information on my Credit Report as reported by XXXX. However, XXXX is refusing to accept my dispute and investigate the issues with my credit report. I was reviewing the information that was provided to me by XXXX being a member and saw that there were three different credit inquiries on my credit report that I did not authorize. I was told by four different representatives that it is not the responsibility of XXXX to accept a consumer 's complaint regarding XXXX  reporting inaccurate information under their credit report. The representatives I spoke in the order of contact was XXXX, XXXX, XXXX, and XXXX. At this point I am confused as to what a consumer is suppose to do if they see accurate information on their credit report and need to either correct and/or have it removed. At this point I am highly upset with the treatment I have received thus far in relation to this matter therefore I am turning to the Consumer Finance Agency for assistance. Consumers should not be held hostage regarding their credit information the different credit reporting agencies. This is completely unacceptable. Credit Inquiries : XXXX, JPMCB, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Netspend Corporation
State: CA

Complaint narrative:
The claim number for dispute with netspend is XXXX This was reported to the police as soon as i was aware of the unauthorized charges o my Transact XXXX prepaid card by Netspend in the month of XX/XX/2020 because of the restrictions i was at home in quarintine at the time of these charges it was mandotory due to covid 19 restrictions my claim was denied any errors because the XXXX XXXX says i used my card which is false i was in XXXX XXXX Ca and no my card booked this room online as the charge says XXXX XXXX XXXX XXXX in XXXX Ca did not have me as a guest and someone stole my card information i filed a idenity theft report for this account with the ftc idenity theft the charge was for over {$600.00} i want my money back on my account i am a victim of fraudulant charges and i should not be charged according to the goverment we were told to not travel thats what i did i stayed in XXXX XXXX Ca i filed a XXXX XXXX police report as well. my netspend account is 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 2021-04-27 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
We purchase our home in 2006 and the lender was OCWEN, who told us that they report payments, lates, payoffs etc to the credit bureau. We sold our home paying it off in full and we never thought to check our credit until now but notice that the payoff was not recorded and OCWEN is now PHH Mortgage. For almost 4 years this has not been reported on any of our credit bureaus when we were told by an OCWEN customer service rep that it would indeed be reported, OCWEN had no problems recording other derogatory information etc. but failed to report on time payments and sales of the property.

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 2021-04-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I made several attempts on XX/XX/2021 via phone to dispute inaccurate information on my Credit Report as reported by Experian. However, Experian is refusing to accept my dispute and investigate the issues with my credit report. I was reviewing the information that was provided to me by Experian being a member and saw that there were three different credit inquiries on my credit report that I did not authorize. I was told by four different representatives that it is not the responsibility of Experian to accept a consumer 's complaint regarding Experian reporting inaccurate information under their credit report. The representatives I spoke in the order of contact was XXXX, XXXX, XXXX, and XXXX. At this point I am confused as to what a consumer is suppose to do if they see accurate information on their credit report and need to either correct and/or have it removed. At this point I am highly upset with the treatment I have received thus far in relation to this matter therefore I am turning to the Consumer Finance Agency for assistance. Consumers should not be held hostage regarding their credit information the different credit reporting agencies. This is completely unacceptable. Credit Inquiries : XXXX, XXXX, and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent several dispute letters ( l ast two disputes sent were XX/XX/XXXX & XXXX XXXX ) requesting that XXXX provide documentation that the alleged inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX CARD Dated : XXXX XXXX ; XXXX XXXX Dated : XX/XX/XXXX ; XXXX XXXX. Date : XX/XX/XXXX. I asked that they provide documentation associated with these accounts bearing my signature. In the absence of any such documentation bearng my signature, i request that all accusations of inquiries be immediately deleted from their credit file under my social security number. XXXX response to my dispute is " inquiries are reporting on credit report up to 2years ''. They have not provided documentation nor removed these alleged inquiries from my report. Please investigate and request the removal of these inquiries.

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 2021-04-27 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I submitted my first dispute on XX/XX/XXXX and never received a response of any contact in regards to that dispute which involved Chex system reporting an unauthorized account on my report from XXXX XXXX XXXX XXXX. They ignored my first dispute so I submitted another one online as well a complaint with the CFPB in regards to this matter. I am a victim of identity theft which I explain to the company already and well submitted a FTC report. this company is cause me tremendous stress due to the fact their letting a unauthorized account that is fraudulent report to my report after explaining and taken the proper procedures to let them know I am a victim of identity theft. I will bring this matter to the attention of the better business bureau and the office of attorney general of Ga. Ive been affect by the XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX company data breach. I also lost my wallet with all my person information in it. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate this account. I do not validate this account. Therefore, the following account must be deleted from my report. I will also seek litigation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if this this account is not deleted immediately off my credit 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 2021-04-27 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: FL

Complaint narrative:
Please help assist me, I have already tried addressing and requesting verification and validation and I do not even get a response back from the creditor nor the credit agencies. There are very old student loans back from 2014 in which were paid off and reporting inaccurately. I was never past due and just this year saw how they are reporting on my credit file. The information is inaccurate and false. 

There are six accounts total reporting and they all are listed DEPT OF EDU / XXXX XXXX I never had six loans total there are also duplications. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: FL

Complaint narrative:
Please help assist me, I have already tried addressing and requesting verification and validation and I do not even get a response back from the creditor nor the credit agencies. There are very old student loans back from 2014 in which were paid off and reporting inaccurately. I was never past due and just this year saw how they are reporting on my credit file. The information is inaccurate and false. 

There are six accounts total reporting and they all are listed DEPT OF EDU / XXXX XXXX I never had six loans total there are also duplications. Please help

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 2021-04-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I called XXXX to understand why my credit was again lowered, 2 years after what they thought was a missed lease closure payment ( it was settled 2 months later ). 
XXXX sent the correction at the time. But it was not recorded nor it brought to a raise back then. Now, 2 years later, it brought to one more hit on my credit score, which is costing me a higher mortgage refinancing rate proposed by my bank. 
My problem is even more general : the fact that I pay ( and paid for the last decades ) religiously, monthly bills for a total of more than {$5000.00} ( closer to XXXX these days ), does not map with the heavy score lowering for a few hundred bucks ( from the high 700 to the high 600 at the time, low 700 these days ). 
The impression ( and complaint ) is that there is a credit bureau and banking system credit scoring cartel, to artificially lower the purchasing power of the middle class. 
There are thousands of credit score algorithms, whose formulas are well hidden, but every single one of them gives an exorbitant importance to late payment, independently of its size.

From a logical point of view, this would push the cost of ( fewer ) large sums unpaid, on the ( larger number of ) small sums unpaid.

Nobody in the Credit Bureaus hierarchies ( I talked all the way up to a VP ) could explain any detail of the algorithm principles, as it's considered " automatic ''. 
But it's easy to reverse engineer the principles I delineated above. 
I have ( or can procure ) supporting documentation to prove payments and credit reports to show the impact, but I will provide it only upon request. 
Thank you and have a great day

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
Keep receiving multiple harassing statements at a time from FBCS representing XXXX. It indicates XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't owe or have any knowledge of this debt. Phone number listed XXXX. I had prior phone calls from a male impersonating a lawyer. Said he will find my closest family member or serve me at my job. He called two days in a row and both times I asked him not to contact me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I got a letter in the mail from Huntington Bank about an account opened in my name and I personally never opened an account at that bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2020, I purchased an espresso machine on XXXX. I paid with Discover card. XXXX delivered the machine totally ravaged. I refused to accept it and returned it to XXXX. I disputed the charge with Discover. XXXX initially lied that they have never received the return. When I submitted the proof that XXXX received the return, XXXX lied that I returned a totally different item. I submitted a proof that I indeed returned the purchased machine. Then, XXXX lied that the serial number of the returned machine differs from what was sent to me. No proof of it has ever been submitted. After I complained to XXXX, XXXX responded that they instructed Discover to close the dispute in my favor and to refund me. Discover claims that it always resolves the disputes in XXXX XXXX favor because it is their biggest customer, therefore it hold me responsible for the charge no matter what, unless XXXX directly refunds the charge. I have been defrauded by Discover and XXXX.

Company response to consumer: Closed with explanation