vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter on XX/XX/2021 about my credit report and I have not heard anything back. I don't understand how the bureaus can break law and do anything they want. It has been over 40 days and still have no response from them. They have 30 days to respond. This outrageous. Doesn't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas XXXX XXXX XXXX XXXX. I have learned that XXXX claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery XXXX and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA Credit Card and Debit missing information Reported USAA check from XXXX XXXX on hold for XXXX XXXX  Fraudulent documentation Fraudulent representation Scam Missing statements XX/XX/XXXX-Current Checking-Credit card is missing statements. 

Account closure notification No vehicle ownership/discontinued ALL insurance policies end of XXXX first of XXXX. Impersonating representatives. 

Denied Auto Claim XX/XX/XXXX ACH debit from preXXXX debit card NSF FEE errors Old numbers surfaced from inactive cards Accounts in use XX/XX/XXXX. XXXX ceased but not closed mid XX/XX/XXXX. Fraudulent Representatives wouldnt close them. 

Account closed notification ; no access to information online Stolen cards from XXXX XXXX accounts XXXX External inquiry for use of this account XXXX XXXX and 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a letter regarding the misleading inaccurate items on my credit report. To this day I have not received a response. This is causing me a lot of stress. These inaccurate accounts are hindering me from obtaining credit. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: NY

Complaint narrative:
I was extremely disappointed this morning when I checked my credit report and I saw that I have a bankruptcy showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. According to 15 USC 1681 { a ) ( 4 ) it states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: TN

Complaint narrative:
Due to covid-19 forbearance program regulations SEC. 4021. CREDIT PROTECTION DURING COVID19 states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report I want removed because I am a victim of Covid 19 and legally you should not have put them there.

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 2021-04-03 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:
I sent a letter on XX/XX/XXXX and I also sent one on XX/XX/XXXX. I haven't receive a response in over 90 days. This shouldn't even be possible that they can operate in this manner. they have 30 days to respond. It's well over that. How can they just break the laws and do what they want to.

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 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter on XX/XX/XXXX and I also sent one on XX/XX/XXXX. I haven't receive a response in over 90 days. This shouldn't even be possible that they can operate in this manner. they have 30 days to respond. It's well over that. How can they just break the laws and do what they want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: MS

Complaint narrative:
I submitted my first complaint with experian on XX/XX/2021 about a fraudulent item from XXXX that was on my credit report, I notified the company about the item on my credit being fraudulent and also submitted an cfpb complaint ; since then, the company never responded to my original complaint, another fraudulent item with XXXX  XXXX XXXX has been reported. I've also sent in an notarized identity theft identity theft affidavit stating that I had no knowledge of this account ; but they have not helped me rectify this issue in any shape or form! I also submitted a FTC identity report for both accounts and they still have not helped me.

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 2021-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I got a text from someone that looked exactly like a BOA text stting that my ckg acct had been compromised in XXXX and that someone was trying to charge 1200+ from my checking account. He said that I need to go into my checking account using XXXX to have the money restored. I asked him 2x if he worked for bank of America and he said yes twice an told me that I coui ld go online to ck his credentials. The XXXX was sent to my phone number ( I thought ) but I saw that money was being depleted from my ckg account. He told me that it will show up in my acct. He then sent another text saying that more money was being taken out of my acct. Finaly i hung up and called my bank who told me there was nothing they could do about it because using XXXX was like handing cash over to someone. I feel so stupid and violated. XXXX is on every banking platform, yet the banks offer no protection to its customers when fraud is perpetrated. Banks should either remove XXXX from their site, or at least cover THEIR CUSTOMERS when they are violated.

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 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I sent a letter regarding misleading/inaccurate and unknown things on my credit report. To this day over 30 days I have not received a response. Section XXXX1 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. I was also impacted by XXXX data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I have disputed this several times thru the credit agencies. On XX/XX/2021 I sent Trident Asset Management a Letter of Verification asking them to give me information about his account. On XX/XX/2021 they send me a bill. They never sent me and type of proof that this account is mine, because it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: GA

Complaint narrative:
I have made this same complaint regarding Equifax. Equifax keeps deleting my mortgage with XXXX XXXX XXXX ( XXXX ) off of my credit report. Equifax recently added my mortgage back to my credit report, but as of XX/XX/XXXX, it is reporting that my account is closed and has a {$0.00} balance. This messes up my credit age, the amount of my revolving accounts, and the mix of my accounts. This is affecting my credit score and my ability to refinance my home. This is incorrect as my mortgage should be reported as open as I am still paying on it. 

My credit card with XXXX XXXX was recently removed from my account, and I don't know why as this is my account and it is open. Please add back to my credit report. 

I do not see XXXX XXXX XXXX on my credit report. Although this account was paid in full and closed in XXXX of XXXX, it should still be reporting on my credit report. 

Also, please note that XXXX XXXX is not my employer. I have been employed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  since XX/XX/XXXX. 

My XXXX account limit is {$6300.00}, the limit needs to be updated. 

Again the two collection accounts with XXXX XXXX  XXXX do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I have made this same complaint regarding XXXX. XXXX keeps deleting my mortgage with XXXX XXXX XXXX ( XXXX ) off of my credit report. Equifax recently added my mortgage back to my credit report, but as of XX/XX/XXXX, it is reporting that my account is closed and has a {$0.00} balance. This messes up my credit age, the amount of my revolving accounts, and the mix of my accounts. This is affecting my credit score and my ability to refinance my home. This is incorrect as my mortgage should be reported as open as I am still paying on it. 

My credit card with XXXX XXXX was recently removed from my account, and I don't know why as this is my account and it is open. Please add back to my credit report. 

I do not see XXXX XXXX XXXX on my credit report. Although this account was paid in full and closed in XX/XX/XXXX, it should still be reporting on my credit report. 

Also, please note that XXXX XXXX is not my employer. I have been employed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  since XX/XX/XXXX. 

My XXXX account limit is {$6300.00}, the limit needs to be updated. 

Again the two collection accounts with Eastern Account System do not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing the XXXX XXXX account since XX/XX/XXXX with no real proof of validation or debt from Experian. This company was recently sued and forced to fix every account within the time span of the lawsuit ramifications. I recently received documentation on XX/XX/XXXX saying that this account will be zeroed and sent to every credit bureau. It is now XX/XX/XXXX and it is still showing a balance on this account. XXXX and XXXX have been a success with removing this account and others over a year ago due to them not being verifiable and not properly validated with provided written proof of debt. Experian seems to be the only credit bureau giving me difficulties with not only this account plus others ( listed below ), but also unauthorized inquiries. I had already contacted the companies and filed an ftc report including having a fraud alert set for over a year, but Experian would not remove these inquiries ( listed below ). It would be greatly appreciated if someone could handle this in a timely matter. I am in need of finding a new place to live and I am getting denied left and right because of these negative remarks. 

Unauthorized inquiries : XXXX- XXXX/XXXX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX Negative accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-03 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: PA

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 someone took {$480.00} out of a XXXX XXXX XXXX with my BofA EDD card information. Bank of a America closed the case without refunding the money that was stolen. Phone call after phone call, Bof A agreed to look at this case again. The claim number is XXXX. Earlier this week I filed a police department with the XXXX, CA police department The police report file number is XXXX. XXXX XXXX XXXX took the report. His badge number is XXXX. His cell phone number is XXXX. His office number is XXXX. The address of the police department is XXXX XXXX XXXX XXXX, CA XXXX. I want Bof A to refund me {$480.00} for the identity theft that was committed!

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 2021-04-03 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: DISCOVER BANK
State: NV

Complaint narrative:
yes, you guys keep claiming that you guys have tried to call me for my account ending in XXXX. I never gotten a call from you guys or any voicemail regarding my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: CA

Complaint narrative:
XXXX XXXX cancelled by online access to pay my bill. I paid the bill {$120.00} by mail but XXXX still wrongfully reported that the account was charged off.

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 2021-04-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX cancelled by online access to pay my bill. I paid the bill {$120.00} by mail but XXXX still wrongfully reported that the account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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:
XXXX XXXX cancelled by online access to pay my bill. I paid the bill {$120.00} by mail but XXXX still wrongfully reported that the account was charged off.

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 2021-04-03 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have been disputing the Santander Consumer account since XXXX of XXXX with no real proof of validation or debt from XXXX. This company was recently sued and forced to fix every account within the time span of the lawsuit ramifications. I recently received documentation on XX/XX/XXXX saying that this account will be zeroed and sent to every credit bureau. It is now XX/XX/XXXX and it is still showing a balance on this account. XXXX XXXX XXXX  have been a success with removing this account and others over a year ago due to them not being verifiable and not properly validated with provided written proof of debt. XXXX  seems to be the only credit bureau giving me difficulties with not only this account plus others ( listed below ), but also unauthorized inquiries. I had already contacted the companies and filed an ftc report including having a fraud alert set for over a year, but XXXX  would not remove these inquiries ( listed below ). It would be greatly appreciated if someone could handle this in a timely matter. I am in need of finding a new place to live and I am getting denied left and right because of these negative remarks. 

Unauthorized inquiries : XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Negative accounts : Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation