vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 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:
This item was included in my Chapter XXXX Bankruptcy that was discharged. I gave the accurate information to the company, XXXX XXXX I, XXXX, called them and told them, called and sent the information to Experian, and the account still is on my account as a " Collection Account. '' The debt buyer is claiming an OPEN BALANCE of {$5000.00} from the original debt they bought. However, the balance was DISCHARGED in my Chapter XXXX Bankruptcy and I DO NOT OWE that debt. XXXX XXXX I, XXXX is reporting the balance as an open Collection Account that I owe to them in the amount of {$5000.00} from the original debt that was discharged. I told them this and to verify it has been discharged and sent them proof and they still report it. 

The XXXX cards and accounts I had have ALL been discharged through my Bankruptcy, and as a result should NOT be showing as a collection account. 

A debt buyer bought a XXXX account that was discharged in XXXX, but they are claiming the account as unpaid and open as a Collection Account AFTER my XXXX discharge. This is incorrect and needs to be REMOVED. 

ALL of my debt was DISCHARGED in the XXXX, including this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I already filed a formal complaint with the CFPB against Bank of America, they inquired on my credit without my permission months ago, I got a call from BOA one time and they pledged to investigate and remove it, yet here we are several months later and I STILL have their inquiry on my personal credit report. This is unacceptable.

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 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
An unauthorized ACH was made to my business ( XXXX XXXX XXXX, XXXX ) checking account on XX/XX/2021 for the amount of {$3900.00} at Regions Bank. On the statement shows XXXX XXXX I went to the bank on XX/XX/XXXX when I found out about it and I requested to file a dispute and I never received any confirmation or documents to support this transaction. 
The person at the Bank said to wait between 7 to 10 days for an answer that never happened and around that time I went back to the bank and they gave me a case number and a phone number XXXX ( Regions Bank Customer ) for me to call and confirm the dispute. 

Following their advice, I called to confirmed the dispute and never received a call back or email. 

I also called several times to XXXX XXXX XXXX XXXX  and because my company also has a company account that we regularly pay with company checks, NEVER by ACH. They checked and confirmed that there was no ACH or electronic payment from Regions to any of the cards or employee cards on my account. 

I reached out again several times with this matter to the Manager of the Regions Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking to refund my money an to investigate and he said they can not do anything else. This is fraude and I never authorized this ACH.

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 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
this company is steady trying to collected a debt from me and dont even know this company nor did i do any business with them or signed any paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My rights to privacy have been violated pursuant to 15 USC 1681 ( a ) ( 4 ). I did not give anyone written permission to furnish any accounts on my consumer credit report. According to 15 USC 1681b ( a ) ( 2 ). I initially demanded to have those accounts to be permanently removed but they did. They added remarks to the accounts I requested to be removed instead of deleting the accounts. I am demanding for the accounts to be removed and deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: UT

Complaint narrative:
For months I'm struggling with my credit file on Experian. Always that I try to apply for a new credit line, I get denied for the same reason : the lender says that wasn't able to pull my credit report. Which shouldn't happen, since I have around 5 credit accounts and a credit score above 700. 

After many attempts of contact by phone with Experian, I just found that I got a " Split Pin '' issue ( Aka : Split File, Fragmented File... ). Which means that I have two separated credit files with Experian. The first one, is the one with my credit accounts info, the second one, has 0 credit accounts, but is getting all the inquiries when I try to apply for a new credit line which the lender pulls from Experian first. 

Credit Report File XXXX : # XXXX Credit Report File XXXX : # XXXX The agent on phone at XX/XX/XXXX, said that found the issue and opened a case to fix it, and it should take 3-5 business days. ( Reference case number : XXXX ). 

More than 2 weeks later, I called back to try to get some update for this case, but the new agent on phone couldn't even be able to find this opened case, and didn't offered any possibility to fix it. 

I just don't know what to do anymore. I'm trying to fix it since XXXX. I already sent letters and spent hours on phone. I just would like to get this issue fixed and be able to apply for credit lines normally.

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 2021-10-08 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: GA

Complaint narrative:
Im trying to buy a house for my family and in the process of me buying a house when I pulled my report. I seen all these ridiculous false accounts on my report so, I sent certified letters to all 3 credit bureaus addressing the the accounts Im questioning. They are not accurate and thats not fair they putting this on my credit report and its hurting me. Im attaching all the letters I sent out and the return receipts and proof of my identity. i wrote these letters on XX/XX/2021.

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 2021-10-08 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: GA

Complaint narrative:
Im trying to buy a house for my family and in the process of me buying a house when I pulled my report. I seen all these ridiculous false accounts on my report so, I sent certified letters to all 3 credit bureaus addressing the the accounts Im questioning. They are not accurate and thats not fair they putting this on my credit report and its hurting me. Im attaching all the letters I sent out and the return receipts and proof of my identity. i wrote these letters on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/2020 an derogatory account was reported for the amount of {$2300.00}. I'm filing a claim under FCRA Section 611 ( A ) ( 1 ) ( a ). I am in desperate need of this account being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Paradigm Assets, LLC
State: FL

Complaint narrative:
This item was included in my Chapter XXXX Bankruptcy that was discharged. I gave the accurate information to the company, JHPDE FINANCE I , LLC, called them and told them, called and sent the information to XXXX, and the account still is on my account as a " Collection Account. '' The debt buyer is claiming an OPEN BALANCE of {$5000.00} from the original debt they bought. However, the balance was DISCHARGED in my Chapter XXXX Bankruptcy and I DO NOT OWE that debt. JHPDE FINANCE I , LLC is reporting the balance as an open Collection Account that I owe to them in the amount of {$5000.00} from the original debt that was discharged. I told them this and to verify it has been discharged and sent them proof and they still report it. 

The XXXX cards and accounts I had have ALL been discharged through my Bankruptcy, and as a result should NOT be showing as a collection account. 

A debt buyer bought a XXXX account that was discharged in XXXX, but they are claiming the account as unpaid and open as a Collection Account AFTER my XXXX discharge. This is incorrect and needs to be REMOVED. 

ALL of my debt was DISCHARGED in the XXXX, including this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Westlake has not updated a paid load from XXXX XXXX  XXXX insurance comp. 
the car was totaled and paid off by insurance company by Westlake has yet to show paid and i continue to get calls, when i call to speak to westlake i get out of the country customer service and they do not understand XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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:
Paid off loan early and reporting late payments for XXXX and XXXX Self just closed the account in XX/XX/XXXX when final payment was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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:
Paid off loan early and reporting late payments for XXXX and XXXX Self just closed the account in XX/XX/XXXX when final payment was 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 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays XXXX  Mastercard. After checking my statements I realized they charge me Interest Twice a month???? I tried talking to them on the phone. Also they charged me a returned payment fee because my payment didnt go through but i still made two payments.

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 2021-10-08 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:
Credit bureaus should be ashamed of themselves because all these negative accounts thats being reported on my credit report is absolutely insane and they are completely FALSE and just not right!!! i cant even get approved for a car or mortgage for myself cause of these inaccurate accounts thats being reported. Im expecting in 3 months and I cant get my child a house because of these ridiculous accounts thats being reflected on my credit report. I sent them certified letters on XX/XX/2021 to make sure they get my letters. Im also going to attach my return receipts and proof of my Identity along with my letters because these credit bureaus are not doing there job. I want these accounts removed immediately because they are incorrect!

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 2021-10-08 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:
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 2021-10-08 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: SUN LOAN COMPANY INC.
State: GA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: FL

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 2021-10-08 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2021-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Risecredit, LLC
State: WI

Complaint narrative:
Someone fraudulently used my information to take out a {$2000.00} loan through Rise Credit. They used my social security number but then used other fake information to take out the loan. I didn't find out about it until my credit score dropped 150 points and started to investigate it. I have talked to Rise Credit already and they said I needed to file a report with you as well. 

It still has not been removed off of my credit report and I am getting very frustrated with it. 

The debt has now been sold to XXXX and I have attached their letter that they just sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MIDFIRST BANK
State: TX

Complaint narrative:
In a retaliatory response to my request to remove incorrect information that indicated I was using a covid19 assistance program Midland deleted 15 years of mortgage history from all 3 credit bureaus. Which immediately dropped all my scores 20+ points and is a significant part of a strong credit mix and history that is now deleted. This was transferred to them from XXXX  years ago and nobody asked to change anything that XXXX submitted to them. This is simply requesting that my payment history be reinstated

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 2021-10-08 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: CA

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