vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: CA

Complaint narrative:
In XX/XX/2019was having some personal problems so I called XXXX XXXX and set up my credit card on a payment plan. Everything has been on automatic payments and no payments have been missed. I have the bank statements and proof of payment that can be provided. The reported to the credit bureaus that I wasn't making my payments and the card was charged off yet they continued to take my monthly payments. Working two jobs the last two years I saved up enough money and paid the remaining balance of the card off in full. A month ago they updated my credit reports stating this is now a collection and charge off and I was not paying as agreed. This was incorrect. All payments where made on time per the written agreement I was sent. This has now ruined my credit and I need to get this fixed. I called and no one will help me. My next step is to get an attorney involved.

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 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One called in XXXX, and called in XXXX XXXX let them know that I was NOT the one that applied for this card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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:
I have been trying to get the credit bureaus to valdate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. 
Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/2020 XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/2020 XXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/2020 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 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX, Merchant had Charge back {$2500.00} to a customer whom job we had completed. Merchant said there was nothing they can do and we had proof that we did the job on XXXX. We spoke to the customer also in which she said she did not call back to get charge back. How can a card company charge back without informing us what was going on. Instead right away they proceed with chargeback in which I did not know until yesterday. Nobody had call us nothing. My money is not a toy you give and you take back. The job was completed the customer was happy there was no reason for the chargeback.

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN, A credit reporting agency, has not been properly updating the reporting models accurately to reflect payments made to the lenders and dates of paid off accounts that should have a XXXX balances. 
When I brought this to their attention they stated they would contact the reporting agency/lender and dispute the oversite. However, while on the phone the dispute department agent verified their were different amounts on my report that I was not seeing on my membership account. So I asked how will Experian address that? He answered it would have to be the fault of the reporting agency. 
Obviously there is a glitch in there system that shows several banks have not updated since XXXX, NOT. My proof is I have 2 accounts by the same bank and XXXX said the report all on the same day not one on XX/XX/XXXX and the other on XX/XX/XXXX. 
The agent agreed that there is something disputable. How often am I paying more interest because these reporting agencies are publishing the wrong incorrect balances and paid off balances.

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 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I received a alert my credit score dropped. When I called they would not remove from my credit report even if I paid it. I believe it was a simple mistake that it was my xwifes and not to my adress and I was never called and they had my number. They then use a tactic that if I pay they mark it as closed but it stays on my report for 7 years. They told me thats the LAW. Its not the law. Law states all mistakes must be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: CT

Complaint narrative:
I have several issues with this report done through First Advantage such as the following my reports been used for employment verifications along with a background check regarding my life and this company has provided more than 7 years and even 10 years worth of information which I feel is more than enough to go off of I am requesting that this information be removed immediately from my credit reports anything over seven years should be removed per the statue of limitations. Also ALL charges from XX/XX/XXXX are completely wrong I was arrested XX/XX/XXXX and that is the actualy date in which should be used in the reports and I have the proof to provide this information I am requesting please fix this erroneous report and remove it from my background check report due to this being over 7 years. in regards to the criminal record Please fix the date for the XX/XX/XXXX to XX/XX/XXXX and I can also prove these dates to be wrong as well and would like to request that this be fixed. No information should be shared over seven years and I would like to request to please have this issue fixed thank you. If you need any further information I can provide it thanks ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TX

Complaint narrative:
I have been trying to get the credit bureaus to valdate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. 
Please have them delete these unauthorized inquiries. 

XXXX XXXXXXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/2020 XXXX/XXXX  XXXX XXXX Dealers, XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXXe XXXX XXXX XXXX : XX/XX/2020 XX/XX/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 2021-10-20 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:
I have been trying to get the credit bureaus to valdate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. 
Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/2020 XXXX/XXXX  XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/2020 XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX : XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My identity was fraudulently used to apply for credit. XXXX details XXXX. 
XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX & XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
We decided to buy a fridge from XXXX 's and applied for a credit card. Got approved, purchased the fridge and the third party delivering the item did not want to deliver it in the house, for some reason. So, we told them to return it back to the store, which they did and we thought that was the end of our calamities with XXXX. The card was never charged and we never even received it, but soon I got an email that we owe the card company ( Synchrony-Lowes ) {$5.00} for something. We never received the statement so we did not know what the charge is for. A few weeks later we received another email that we now owe them {$12.00} which includes now a late fee and they reported it to the credit agency. Needled to say, our credit score went down. 
To add, I tried to pay XXXX XXXX bucks, just to avoid the headache, but I could not because we do not have a card and I stayed on the phone for hours. This is a legit scam and we got ripped from Lowes, from Synchrony, and got reported to XXXX. 
I hope you can do something about this. If you need more info, we will gladly send you the emails, because somebody needs to stip those guys

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 monetary relief
Consumer complaint received 2021-10-20 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: TX

Complaint narrative:
I called the bureaus on XX/XX/XXXX and could not get them to resolve these unauthorized inquiries as I do not recognize them. Please have the bureaus show me the proof such as signed documentations of my approval. Below are the unauthorized in questions. 

XXXX XXXX XXXX  XXXX  Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  Credit Cards Inquiry XXXX XXXX XX/XX/2020 XX/XX/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 2021-10-20 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:
I called the bureaus on XX/XX/XXXX and could not get them to resolve these unauthorized inquiries as I do not recognize them. Please have the bureaus show me the proof such as signed documentations of my approval. Below are the unauthorized in questions. 

XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX/XXXX  Sales Financing Company Inquiry date : XX/XX/2020 XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX  XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: AES/PHEAA
State: IL

Complaint narrative:
Several student loans are showing delinquent due to bankruptcy. Bankruptcy was not filed also, you can not file student loans under bankruptcy. I was in school the dates in XX/XX/2016 and ongoing and no payments were due to Fed loans at that time. I have already filed dispute with FED Loans about error on their end and they are working on correcting the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: BARCLAYS BANK DELAWARE
State: WY

Complaint narrative:
After a minor audit we identified unknown fraudulent charges and reported it to my credit card as soon as possible. This was first reported on XX/XX/21. Ever since my first reporting this I have attempted to speak to someone again multiple times, at least 4-5 times and I am never able to get someone that can answer any questions. I get transferred from representative to representative and put on hold for hours at a time. Honestly, HOURS!! 
We are now looking at more than 4months almost 5months since first filed. I did recv a letter from them once to call them and when I tried, there is no one that has anything that can help and they just keep me on hold. As of today, I have not had any further communication regarding my claim. 
I truly think they expect me to just give up and forget this since I'm XXXX  But this is my credit card and they are suppose to protect and help me. That's a joke. 
I had fraudulent charges on my account and I want to be supported. If I don't hear back from this claim I will make sure everyone I know has knowledge of my experience and I will tell them not to work with XXXX because they don't support their clients, they seem to hide behind the hold music. Especially the elderly, its unacceptable. I cant keep holding for hours and not get anyone that can help me. So disrespectful!.

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 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Capital
State: WA

Complaint narrative:
This company- Direct Capital continues to Robocall my phone number. I am NOT on a debt with them, nor am I the person they are trying to contact. They continue to hang up on me when I ask them to stop calling me and will not remove my information from their calling queue. I have reported them previously for disclosing the nature of the debt to me when I am NOT their debtor. It is a violating to robocall a cell phone that is not provided to them as the debtor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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:
I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX  XXXX/XXXX  XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX/XXXX  Complete Department XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX 2019

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 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Please accept this written request to investigate the total payoff cost of my home in the amount $ {$340000.00}. This amount is extremely high considering my original loan amount was $ {$330000.00}. I have lived in this house for 15 years and Ive never refinanced or taken any money from my equity. There is a deferred loan modification in the amount of {$97000.00} done in XXXX which was supposed to be forgiven under the President Obama Hardest Hit Program. Under the terms of this mortification, the {$97000.00} was supposed to be forgiven after three years because I was substantially under water in my home where I owed more than the house was worth. In addition, in XXXX, Carrington Mortgage was given {$50000.00} from The Home Safe Georgia Underwater Assistance program. Despite doing two modifications on this home, theres no way I owe {$11.00}, XXXX more on this home than the original purchase of {$330.00}, XXXX in XXXX. 

I contacted Carrington Mortgage on XX/XX/XXXX and they had no answers for me as to why I owed so much money on this loan. They also could not find any information concerning the {$97000.00} deferred amount that is now included in my payoff amount. Nothing was settled and I was just informed to fax them a request in writing to further investigate the matter. I faxed the request to Carrington on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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:
I called the bureaus on XX/XX/XXXX and could not get them to resolve these unauthorized inquiries as I do not recognize them. Please have the bureaus show me the proof such as signed documentations of my approval. Below are the unauthorized in questions. 

XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX/XXXXXXXX Sales Financing Company Inquiry date : XX/XX/2020 XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XX/XX/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 2021-10-20 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Social security administration sent my money to chime and they said that my ssi benefits were not proses in my account but then I called social security and they told me that the bank proses my ssi benefits I would really appreciate someone to look into this matter thanks much appreciate

Company response to consumer: Closed with explanation