vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 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: MI

Complaint narrative:
Payment History is incorrectly reported. My credit reports state that I have not made a payment to the account since XXXX of 2022. This is incorrect. I have attached my payment history from the company website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: MI

Complaint narrative:
Payment History is incorrectly reported. My credit reports state that I have not made a payment to the account since XXXX of 2022. This is incorrect. I have attached my payment history from the company website.

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 2023-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wrote a letter to Experian to requesting a removal of items being reported at not 100 % accurate. 

I didn't receive a response within the 30 day timeframe. I checked my credit report online and saw that they are verifying the items. I called today XX/XX/2023 and the agent said she couldn't do anything. 

I believe under the FRCA, I am protected and Experian is in violaton of my rights as a consumer. 

15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This complaint is in regard to the Experian Fico Score and reported late payments on their website. I have run my credit report as has Experian and it shows no derogatory credit. The other credit bureaus XXXX, XXXX have not been affected. On XX/XX/XXXX my Fico score on Experian was XXXX. On XX/XX/XXXX I received an alert from them that it dropped to XXXX. I checked on their website and it stated the factor was a 60-day delinquency. I called and was told my credit was perfect and they couldn't process a dispute directly against Experian. They opened a case number ( XXXX ). Last month their website reported.an additional 30-day delinquency. I called again this morning and a customer service representative reassured me that I have no delinquency on my credit report but they can't change the Fico score the system is generating. I'm guessing their system is merging my credit with someone else 's report. They Can not fix the problem. 
I need their Fico score to reflect my accurate credit score.

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 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Velocity Portfolio Group
State: LA

Complaint narrative:
CKS PRIME INVESTMENTS has placed a derogatory account on my credit report. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.

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 2023-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Went to XXXX XXXX in XXXX XXXX  in XXXX and School was closed for preditory lending. I was sold on classes that were not pretaining to my corse of study also forced to take the loan knowing full well there was no way I could pay them back. 

A personal loan was taken out with XXXX XXXX, after XXXX was forced to close Navient took over the debt from XXXX XXXX and now requesting payment. 

Since attending I was in a XXXX  XXXX and was never notified of the submittal to settle as my attorney handled all debt, During that time Navient was not allowed to contact me of the debt, Now that the XXXX  XXXX is clear Navient is trying to collect. 

This dept should fall under the pending law suit settlement announced on XX/XX/XXXX by CFPB that Navient settled XXXX in debt cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Payment History is incorrectly reported. My credit reports state that I have not made a payment to the account since XXXX of 2022. This is incorrect. I have attached my payment history from the company website.

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 2023-03-10 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The XXXX XXXX promise to remove all past due payments. If I agreed to pay off the account, they never remove the late payments, and it is hurting my credit. 
Synchrony bank is reporting account closed, charged off, sold to a collection agency and still reporting a past due balance which is incorrect and should be removed permanently off my record. This synchrony Bank credit card is a medical credit card which I used for a dentist. By synchrony bank, selling it off to a collection agency violates my Hyppa rights and both synchrony bank. XXXX are in violation of my Hyppa rights. 
The company XXXX is the collections company that bought synchrony banks account and is reporting incorrect dates and amounts. I never gave them authorization to do anything. Therefore, they should be deleted off my report permanently. Thank you for your help with this situation. Hopefully we can get these inaccuracies permanently deleted off my report. Thank you.

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 2023-03-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
The XXXX XXXX promise to remove all past due payments. If I agreed to pay off the account, they never remove the late payments, and it is hurting my credit. 
XXXX XXXX is reporting account closed, charged off, sold to a collection agency and still reporting a past due balance which is incorrect and should be removed permanently off my record. This XXXX XXXX credit card is a XXXX credit card which I used for a XXXX By XXXX XXXX, selling it off to a collection agency violates my Hyppa rights and both synchrony bank. XXXX are in violation of my Hyppa rights. 
The company XXXX is the collections company that bought synchrony banks account and is reporting incorrect dates and amounts. I never gave them authorization to do anything. Therefore, they should be deleted off my report permanently. Thank you for your help with this situation. Hopefully we can get these inaccuracies permanently deleted off my report. Thank you.

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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo received my direct deposit of {$460.00} and this morning they removed it. This is a XXXX problem again. Their answer is sorry for the inconvenience were working on it. They act like they dont know what happened. Meanwhile my account is negative because the money was there for at least 24 hours.

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 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IQOR US INC
State: MI

Complaint narrative:
I contacted the company in question ( Allied Interstate LLC ) stating that I need proof of any signed agreements/documents for this debt in question. I haven't received any responses back from this company and I wish to dispute this claim. I am a victim of Identity theft and had a lot of my finances and information stolen as of 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 2023-03-10 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The date of XXXX someone went to a dealership in Illinois to purchase a vehicle in my name with out my knowledge I've been receiving letters from this lender company called XXXX XXXX that I own them some money and I do not own any vehicle from this company so I'v been fighting with this company for 6 years now. So in XXXX XXXX agree to get this account deleted for me off my report and XXXX agreed to get this account deleted for me off my report. Experian is the only credit union that I'm having problems with to get this account off my credit report so I filed a law suit on the XXXX XXXX for miss handling my information in properly with out my consent and I heard as of XX/XX/XXXX the Bureau and New York Attorney General XXXX XXXX filed a joint lawsuit in the United States XXXX XXXX for XXXX XXXX XXXX XXXX New York against XXXX XXXX XXXX So I need this Account to get off my Credit report from Experian Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: AL

Complaint narrative:
I have an old account on my Experian report that is showing a {$0.00} dollar balance and this debt has been sold to another agency. This is incorrect on my report, as I no longer owe this company The Account is 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 explanation
Consumer complaint received 2023-03-10 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:
In accordance with the Fair Credit Reporting Act XXXX Accounts listed below has violated my rights. 
15 U.S.C 1681 Section 604 A states I have the right to privacy 15 U.S.C 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education XXXXXXXX XXXX XXXXXXXX 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 2023-03-10 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: TX

Complaint narrative:
The credit reporting agencies are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXX XXXX XXXX  ( XXXX ) XXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXX and I will attach the documents. Also, the amount that XXXX is reporting is not correct. The correct amount that the original creditor gave me is {$510.00} so why are the credit bureaus allowing incorrect information to report on my credit report? Also, this account has been re-aged and should not be reporting according to FCRA. I also contacted XXXX  and they stated that they do not add interest or fees to its accounts so where is this incorrect balance furnished from? The account I had with XXXX XXXX was in 2017. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.

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 2023-03-10 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: GA

Complaint narrative:
I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX  # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT BALANCE : {$16000.00} ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX  ACCOUNT BALANCE : {$64000.00} ACCOUNT NAME : XXXX ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
i wire the sum of {$13000.00} to a XXXX Account on XXXX of XX/XX/2023 my bank said the XXXX received the money at XXXX, with the reference number of XXXX the XXXX account did not receive any money and my bank has refused to say where my money is now my bank have closed my account, please help me resolve this issue if they have closed my account, they should send a check of the amount to my address

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 2023-03-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I closed on a property located at XXXX XXXX XXXX XXXX. In XXXX, IL on XX/XX/XXXX. My Mortgage Lender was XXXX XXXX XXXX XXXX based in XXXX XXXX, Mo. My first mortgage payment was due on XXXX XXXX XXXX The amount of my mortgage is {$1600.00} I paid that full mortgage amount a week before it was due to the mortgage lender ( XXXX XXXX XXXX XXXX ) and included the payment stub I was given at the closing. By XX/XX/XXXX, I had realized that my mortgage check had not cleared. I reached out to the lender, XXXX XXXX XXXX XXXX to ask if they had received the check. After reaching out to them several times, I was told that they had indeed received the check, but they were trying to figure out if they should wire the money to the new mortgage company who had purchased my mortgage. I had not received any official notification from the new company at this time. I specifically asked whether I needed to write a new check to this new company and was told " No, They were looking into it ''. On XX/XX/XXXX, I received a letter from Select Portfolio Services stating that they had purchased my mortgage- the first official notice I had from this company. The next day, I received another letter from Select Portfolio Servicing stating that I was past due on my first payment and I owed them {$6500.00}. I assumed this was a scam and reached out to my loan officer at XXXX XXXX XXXX XXXX and was told that this was indeed the correct company but that the amount of my monthly loan payment should be {$1600.00}. I reached out to Select Portfolio Servicing ( twice ) to figure out what was going on and was told that I was in default for not paying the first payment and my new monthly payments had doubled in price. Keep in mind, I was already considered in default BEFORE I even knew who had purchased my loan. I was given no chance to even send a payment to the new company. They told me that XXXX XXXX XXXX XXXX  had not informed them of any check they had received and that there was nothing I could do. By XX/XX/XXXX, I was finally informed by XXXX XXXX XXXX XXXX  that my original check to them as voided and shredded. No one informed me nor Select Portfolio Servicing until this point. Once I figured out what was going on, I immediately paid Select Portfolio Servicing the first mortgage amount bringing me current with my payments. However, i am still considered in " default '' and they are demanding payments of twice my mortgage amount each month. I can not afford to pay this amount each moanth and neither company will respond to my complaints. I have officially contested the " default '' and heard nothing./ I suspect fraud. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Mortgage Loan OfficeXXXX can't access credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation