vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 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: NC

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The complaint numbers were XXXX (XX/XX/XXXX ), XXXX ( Experian ) and XXXX ( XXXX  XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX  to resolve anything. I am also aware that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
I have accounts that are in my name that aren't mine. Below are the accounts that are reporting that don't belong to me on my credit reports XXXX, XXXX  and XXXX.

1 ) NATIONWIDE RECOVERY SY {$990.00} 2 ) NATIONWIDE RECOVERY SY {$51.00} 3 ) XXXX XXXX XXXX {$2100.00} 4 ) XXXX XXXX XXXX {$460.00} 5 ) XXXX XXXX XXXX  {$610.00} 6 ) XXXX XXXX XXXX  {$310.00} 7 ) XXXX XXXX XXXX  {$440.00} 8 ) XXXX  {$8800.00} 9 ) XXXX XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVE THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING SEVERE DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-11-23 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVE THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING SEVERE DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: FL

Complaint narrative:
I have discovered information in my credit report, which is not mine. I would like to immediately dispute and have investigated. I think that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as 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 explanation
Consumer complaint received 2020-11-23 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: FL

Complaint narrative:
I have discovered information in my credit report, which is not mine. I would like to immediately dispute and have investigated. I think that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I was notified by XXXX, the credit reporting agency that a collection account was added to my file. Upon review of the information, National Credit Systems posted a collection account in the amount of {$500.00} via the original creditor, XXXX XXXX XXXX XXXX Further research revealed XXXX  XXXX XXXX XXXX was the insurance bond my husband and I purchased when we rented an apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX from XX/XX/XXXX to XX/XX/XXXX. When we moved out of our apartments on XXXX XXXX, I was informed today XX/XX/XXXX that XXXX XXXX billed XXXX directly for painting, cleaning, and carpet cleaning fees totaling {$300.00}. We provided all our phone numbers, email, and forwarding addresses to XXXX XXXX  when we left. We also have mail forwarding set up. From XX/XX/XXXX until now, we never received any type of correspondence from XXXX  or XXXX XXXX  regarding such cleaning fees. XXXX did not try to reach out to me or my husband to try and collect the debt and decided to send us to collections which ultimately affected our credit we strive to work hard for. Additionally, XXXX is an all digital company for which you will not be able to speak to someone live to discuss the issue as we have tried to contact them via phone or email at XXXX and XXXX. Since we are unable to talk to anyone, we are unable to remove the negative information from our credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: NCB Management Services Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2020, NCB MANAGEMENT SERVI add a derogatory mark on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA NCB MANAGEMENT SERVI has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I have been trying to get mortgage assistance from PNC since Covid started. I received a forbearance and then tried to modify the mortgage to make payments sustainable until Covid is over. I paid a small amount every month, trying to keep up with the interest while I was in the application process. I filled out the application three times and kept getting messages that contradicted each other. I also spoke with PNC several times by phone. I was told they were working on the application, and many times had to resubmit the documents and the letter, etc. Last I heard I was waiting to hear back from them about my application, which they said was complete. I called again when I got a notice of potential default and was told my application was complete and to ignore that message. Today I got a notice that I am in default, no modification and no offer to even put the remaining balance at the end of the loan. I have tried and tried and no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: OR

Complaint narrative:
Today, XX/XX/2020, I receive an alert that my credit score tanked by 37 points from a {$190.00} medical bill I somehow missed. I paid it immediately. Over a year of working diligently to get my score up, watching it slowly. CRAWL up a couple points at a time ... one mistake and it tanks 37 points?! In XXXX I paid my ONLY debt down from {$7000.00} to {$3500.00}. My credit score went up 32 points. I owe XXXX and it plummets by 37 points?! This is ridiculous and a SCAM! I am at the mercy of these agencys formulas and have little to no control over how my data is used! Who is holding these agencys that make a profit off of our data accountable? When looking at the different categories on the credit score, like on time payment percentage, available credit, credit inquiries and amount of debt, I have either Good or Excellent ( higher amount of excellent than good ) in all categories and yet my score is below average? Something needs to be done and some serious REFORM needs to take place. Thank you for passing my complaint ( rant ) on to anyone who will read it. # XXXXXXXXbyXXXX

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 2020-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA
State: AR

Complaint narrative:
I have a boat loan with Yamaha financial services. I have an automatic payment on this load and have delivered the loan payment on time ( XX/XX/XXXX of every month ). The loan has been serviced correctly for 15 months. I received a letter on XX/XX/XXXX state my bill was passed due. I contacted the company and they said that they processed my XX/XX/XXXX and XX/XX/XXXX and I owe {$100.00} in late fees. 

I spoke with XXXX XXXX he would not give me his employee number and refused to let me speak to a supervisor stating he was in a meeting. 

He said there is no one at the company capable of removing the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020, my checking account PIN was somehow compromised and an unauthorized ATM withdrawal was made at Chase Bank branch in XXXX, New York in the amount of {$500.00}. The claims department of the bank says that because my PIN was used, to them it is an authorized transaction and refuses to replace my funds. I was never at this said branch on the date mentioned and in no way made this transaction. Have already filed police report on this and now trying for success with this method.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been trying to resolve my Membership issue with Experian for the past 4 months. I provided them with everything they asked for, i even uploaded a copy of my Drivers License. They mixed up my personal information with someone else 's personal information, because of that i am unable to access my Membership account. The verification questions that i am asked is mixed up with someone else 's personal information. I called them several times, talked to several agents and a couple of supervisors and even to the escalation department to get this issue fixed nothing but apologies & empty promises. They verified that they made a mistake and mixed up my personal information up with someone else, they just keep telling me to wait 24, 48 or 72 hours every time i call them so that they can fix the issue. If there are hungry hyenas on one side and Experian employees on the other i would take my chances with the hungry hyenas. Since i am unable to access my Membership to monitor my score & report on Experian they advised me to try XXXX to get the report, I took their advice, went to XXXX but it too was unable to access Experian 's credit report and score. There is no freeze on my Experian 's credit. The reason i want to keep on top of all three credit bureaus is because i was a victim of XXXX  's data breach. I have no problem with the other two credit bureaus, i am able to login and monitor both my XXXX  & XXXX  's scores and reports.

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 2020-11-23 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: FL

Complaint narrative:
Request to Reinvestigate & Delete Accounts Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX  {$420.00} XXXX {$500.00} XXXX XXXX {$310.00} XXXX XXXX {$530.00} XXXX XXXX {$150.00} XXXX XXXX {$10000.00}

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 2020-11-23 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: FL

Complaint narrative:
Request to Reinvestigate & Delete Accounts Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX {$420.00} XXXX {$500.00} XXXX XXXX {$310.00} XXXX XXXX {$530.00} XXXX XXXX {$150.00} XXXX XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I called Huntington bank on XX/XX/2020 asking to close my checking account. I was notified I had a balance due because of monthly fees and then I had to close the account in person. I paid the fees on XX/XX/2020 but was not allowed to close my account over the phone. I am considered a high risk when it comes to COVID-19 and am not able to close my account in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
On XX/XX/2020, SOUTHWEST CREDIT XXXX add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SOUTHWEST CREDIT SYS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am having issues disputing a debt on my credit report. I have spoken with XXXX XXXX XXXX and their third party collections agency IC System. My issue was that I was unaware of a debt from XXXX owed to XXXX XXXX. I have since paid my debt to XXXX XXXX back in XX/XX/XXXX but when they reported it to the collections agency IC System. IC System states they have not received the full amount stating there is a XXXX dollar balance still owed. This is not the case. I have informed both companies via phone of this mistake back in XXXX after I noticed it was still reflecting and damaging my XXXX XXXX. Speaking with XXXX XXXX I have verified my payment of the full amount owed via their 3rd party software XXXX. I have spoke with them both again via a teleconference later in XXXX and they have still not satisfied the debt. It is now the XX/XX/XXXX. This is harming my credit and I would like it disputed.

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 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: IL

Complaint narrative:
Sent a validation letter to this company to resolve this matter as this attempt to collect a fraudulent debt is inaccurate and false, i also sent an oppurtunity to cure letter with a invoice for violation of 15USC 1692b ( 5 ) and 15 USC 1692c.

Company response to consumer: Closed with explanation