vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 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:
On XX/XX/2022 XXXX placed Account # XXXX as a charge off on my credit reports; dropping substantially my Credit Score. 
On XX/XX/2022 I contacted XXXX regarding Account # XXXX and reached an agreement to delete this account from my credit file on the XXXX Credit Bureaus XXXX EQUIFAX XXXX XXXX & XXXX ) XXXX I am attaching a letter to support this claim. This letter states that the account # XXXX has a zero balance and no further payments are required. 
On XX/XX/2022, I sent Certified mail to each reporting agencies ( EQUIFAX, XXXX & XXXX ) with a copy of the letter provided by XXXX stating that the account was satisfied and requesting removal from my credit report. 

On XX/XX/2022 my Credit Report showed removal of the Account # XXXX from the XXXX credit Bureaus ( EQUIFAX, XXXX & XXXX ) On XX/XX/2022 my Credit Report, shows that account # XXXX from XXXX was placed back on my credit report, stating a balance of {$2700.00}. 

In accordance with the Fair Credit Reporting Act SUNTRUST/TRUIST acct # XXXX the credit bureaus violated my rights with reporting inaccurate information on my credit report accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: LA

Complaint narrative:
Hi i have tried numerous times to submit disputes about my credit reports. I have done a rehabilitation for my school loans to get them out of default and in good standing. The credit reporting bureaus XXXX and transunion are still reporting these old accounts as delinquent amd they are not. The old accounts are still showing negative information on my credit report. I have done dispute after dispute with no results. The credit bureaus XXXX and transunion have 6 duplicate accounts showing on my report these accounts are copies of the updated records that were reported on XX/XX/21. I have explained this to them over and over.

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 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received emails on XX/XX/XXXX regarding an online XXXX XXXX XXXX XXXX account was opened in my name with Bank of America I tried calling for 2 days to no avail. finally called a bank location on XXXX XXXX in XXXX Ma. Was given an appt to come in on XX/XX/XXXX. During my appt with XXXX we entered my ss # and nothing came up.He tried calling their fraud division couldn't get thru. I called when I got home agreed to a call back. When they called back call was disconnected and they never tried me back. Now Saturday XX/XX/XXXX I received a letter from the bank with the entire account #. I went to the bank today XX/XX/XXXX spoke with XXXX XXXX and her mgr. my ss # now is attached to this account we discovered the email and phone # they attached to this account neither are mine. My email address is XXXX and my phone # is XXXX. The email and ph # on the account is XXXX ph # is XXXX. I do have a call into Bank of america fraud division ... ..again. The branch told me because it was opened on line they can not close it. I am also calling Social Security office to flag my ss #.

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 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My mortgage was previously with SunTrust bank ( now Truist ) I made my mortgage payments in the same amount {$2300.00} using bill pay through XXXX XXXX each time and did not have any issues with payments being received or being allocated for more than a year. Then I was notices my payments for XXXX, XXXX, and XXXX were past due. I look at my bank statement and they were sent and received by SunTrust. My loan switched to XXXX mortgage company in XXXX so I paid my first payment that month to them no problem. They are showing I am in default for those XXXX payments and have been calling to collect the debt. I have opened numerous cases with SLS and sent my bank statements for each month with proof of payment. I have called XXXX more than a dozen times to check on the status of my case only to learn that it was never opened or was closed without my knowledge. I have been asked to provide the same bank statements over and over with no explanation of why the first time I sent it wasn't sufficient. I still receive calls daily from XXXX attempting to collect the debt because nothing has been noted in my account that I have a case against this and I have to explain the situation over and over with each new customer service agent I get. I have called SunTrust and they told me that for some unknown reason my mortgage payments for the three months in question were set aside into an unallocated funds account however I have gotten no answer on how to get that money correctly allocated. They refuse to communicate with my new mortgage company or refund the money. This has been going on since XX/XX/2021 and I have gotten no where with either company. I am terrified this is going to affect my credit and have spent hours on hold and on the phone with customer service representatives who can not get me answers and run me in circles asking for the same information over and over with no escalation of my case.

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 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
I was stopped in XXXX by a guy promoting XXXX XXXX XXXX  products, I listened and I was interested. I was supposed to switch to their service when I received their new XXXX. I received it a couple of days after but for some reason it wasnt working. I contacted XXXX XXXX XXXX and actually went to their store while simultaneously asking for help from the guy at XXXX who was promoting their services. Eventually the phone couldnt work and I was advised by everyone at XXXX XXXX XXXX to send it back. I sent the phone back and I contacted XXXX XXXX XXXX  plus the guy at XXXX. About a month after, I received a bill and I called them back. Everything was taken care of since I had never used their devices or service. Next thing I know was a debt collector company calling me all the time and sending me letters of debt. About a month ago I saw the debt reflecting on my credit but after reporting this and talking to both XXXX XXXX XXXX and the debt collectors, it disappeared from my credit report but Im still receiving emails about an outstanding debt. Please advise. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Student loan — Federal student loan servicing
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: AES/PHEAA
State: FL

Complaint narrative:
FEDLOANS are breaking facra fair and accurate credit reporting act by putting on there that you disagree when you dont disagree and never filed a dispute with them or anybody regarding Fed loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am the original creditor and natural person. I did not give this company written consent to furnish my consumer 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 non-monetary relief
Consumer complaint received 2022-03-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am the original creditor and natural person. I did not give this company written consent to furnish my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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:
I have attached letters detailing this blatant disregard for the FCRA that XXXX, XXXX, & Experian has shown. They have not shown any proof of verification for these accounts and its been over 60 days. Therefore, the following accounts listed on these letters should be removed immediately.

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 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I received a collection notice about an apartment debt owed for {$3400.00} in XX/XX/2022. When I contacted Rent Recovery XX/XX/2022, they were unable to locate me in the system using my SSN, phone number, address, or id number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-21 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Company : Exeter Finance Ask to remove this from report due to a misreported information on credit report, also supposed sent to collection companies with different amounts. Also grossly over reported amount owed which severely affected my credit. Original Loan Debt of XXXX Car repossessed on XX/XX/XXXX. Supposedly XXXX XXXX XXXX sold for XXXX in XX/XX/XXXX. However car market had turned so they should have sold at auction no less that XXXX. Plus no deduction for GAP insurance purchased Received correspondence from XXXX, XXXX on behalf of Exeter requesting {$14000.00} on XX/XX/XXXX Received correspondence from XXXX XXXX XXXX on behalf of Exeter requesting {$14000.00} on XX/XX/XXXX Requested debt validation from Exeter and all they sent was original contract in XX/XX/XXXX Exeter sent letter later stating I owed the XXXX. 

Dispute debt with credit bureaus on XX/XX/XXXX and the outstanding balance was updated to over {$200000.00}!!! 

I have copies and screenshots of all this information I have copies and screenshots

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX {$60000.00} Auto loan Section 807 False misleading XXXX is reporting OFFICE OF THE ATTY GEN Account # XXXX Section 807 False misleading {$720.00} XXXX is reporting OFFICE OF THE ATTY GEN Account # XXXX Section 807 False misleading {$11000.00} remove all inquiries Listed below XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Failure to respond satisfactorily within 5 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX {$60000.00} Auto loan Section 807 False misleading Experian is reporting OFFICE OF THE ATTY GEN Account # XXXX Section 807 False misleading {$720.00} Experian is reporting OFFICE OF THE ATTY XXXX Account # XXXX Section 807 False misleading {$11000.00} remove all inquiries Listed below XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Failure to respond satisfactorily within 5 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau

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 2022-03-21 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: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
On XXXX XXXX 2021 and XXXX XX/XX/2021 the mortgage company Mr. Cooper, requested a copy of my credit report without my consent or permission, repeat without my consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: OH

Complaint narrative:
A XXXX XXXX for Bank XXXX XXXX occurred on XX/XX/2022 on my Experian credit report. I was notified by my credit card company XXXX about the inquiry that I did not make.

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 2022-03-21 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
As defined by the IRS. Even if you didnt receive a Form XXXX, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes the reporting of this account inaccurate. Ive attached the full IRS publication for review *page 3* is the page that needs to reviewed*, as well as the letter that was submitted to Navy Federal Credit Union with these same details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I received an email from Wells Fargo stating that the application that I had put in for an account was approved and what the next steps would be. I never signed up for a Wells Fargo account recently so I knew something was wrong. When I opened the application that was in the documents, someone had filled out the entire thing using my information ( Social, DOB, and a old address and phone number for me ). I've never felt so vulnerable. 

I contacted Wells Fargo this morning and have filed an Identity Theft case.

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 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I entered into a forbearance and trial plan agreement and refiled another modification application. XXXX. I spent {$15000.00}. My civil rights were violated under file No. XXXX. I litigated in state court but they won't comply with the Consent Order.

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 2022-03-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
company name AFFIRM ... date open XX/XX/2021 ... amount {$2700.00} somebody use my social security to receive a payday loan in my name. then i received a notice on my XXXX  credit report and then i reached out and took the proper steps to get this fraudulent payday loan removed. Then i started to receive constant calls all day while at work and late at night from debt collectors about this debt with AFFIRM thats not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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