vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-26 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: GA

Complaint narrative:
There are several items reporting on my credit file that does not belong to me. The following does not belong to me : Personal Information that is incorrect : XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Experian & XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) The following accounts are reporting inaccurate late payments status : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( XXXX, Experian & XXXX  ) XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$840.00} ( XXXX, Experian, XXXX ) The following accounts was open as a result of identity theft ; these are not mine XXXX XXXX XXXXXXXX - Date Open : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  ) The following inquiries were not authorized by me : XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( 9 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 5 TIMES ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX 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 2020-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report keep saying I have a serious delinquent account, but all my accounts are onetime and nothing is late.

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 2020-07-26 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: NC

Complaint narrative:
There are inaccurate accounts and personal info on my 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
Consumer complaint received 2020-07-26 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: SC

Complaint narrative:
XXXX incorrectly reported me as 30 days past due in the months of XXXX, XXXX, XXXX, and XXXX. In the case of XXXX, the company would not show reflection of payments made for up to 14 days after the payment made. They even reported me late In XXXX when the loan had already been paid IN FULL by XX/XX/XXXX. 

In this case, I will need credit report adjustment as well as a credit for a misapplied payment that was double charged and not applied in the amount of : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX Additionally, XXXX XXXX has failed to apply points to my account in the amount of XXXX points for special offers. Please process a payout in the amount of XXXX to cover the existing XXXX points and close my account once credit adjustment and other adjustments are complete.

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 2020-07-26 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: SC

Complaint narrative:
XXXX incorrectly reported me as 30 days past due in the months of XXXX, XXXX, XXXX, and XXXX. In the case of XXXX, the company would not show reflection of payments made for up to 14 days after the payment made. They even reported me late In XXXX when the loan had already been paid IN FULL by XX/XX/XXXX. 

In this case, I will need credit report adjustment as well as a credit for a misapplied payment that was double charged and not applied in the amount of : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX Additionally, XXXX XXXX  has failed to apply points to my account in the amount of XXXX points for special offers. Please process a payout in the amount of XXXX to cover the existing XXXX points and close my account once credit adjustment and other adjustments are complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: SC

Complaint narrative:
XXXX incorrectly reported me as 30 days past due in the months of XXXX, XXXX, XXXX, and XXXX. In the case of XXXX, the company would not show reflection of payments made for up to 14 days after the payment made. They even reported me late In XXXX when the loan had already been paid IN FULL by XX/XX/XXXX. 

In this case, I will need credit report adjustment as well as a credit for a misapplied payment that was double charged and not applied in the amount of : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX Additionally, XXXX XXXX has failed to apply points to my account in the amount of XXXX points for special offers. Please process a payout in the amount of XXXX to cover the existing XXXX points and close my account once credit adjustment and other adjustments are complete.

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 2020-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: AZ

Complaint narrative:
Alpine credit inc is listed on my collections for a XXXX bill from a medical facility in Colorado. I have never visited or lived in Colorado. I contacted alpine and they were very rude and said they got my info from the facility. I contacted the facility and they said they only provided a name to the credit agency ( which is not mine ) and they did not provide an SSN. Alpine is incorrectly pulling my ssn and linking me to this bill. I have already disputed through XXXX and XXXX and had the collection removed. XXXX  hasnt removed it yet and asked for a copy of my ssn and drivers license as alpine is still convinced this bill belongs to me. I believe alpine is using incorrect search methods to link bill to people they do not belong to with limited search info. Online searches for the area of Colorado pulls up someone with the exact name on the bill they say is mine. I live in Arizona and have all my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Activehours
State: SC

Complaint narrative:
On XX/XX/XXXX, Earnin debited my account for XXXX in two seperate transactions causing a XXXX overdraft fee. Earnin 's policy states that in the unlikely event that an overdraft is caused that it will refund it, but it has not. Earnin is a payday advance/overdraft prevention app. 

I am owed the credit of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i had a capitol one card which had some late payments.i paid the card in full and I do not have the card anymore .the company told me it was closed, ,however after more than five years, ,they refuse to remove it from my XXXX report, i have disputed it nothing.i have called the  company .nothing it is still on my report with a negative view..please help me .I don't have a balance I paid the entire amount, XXXX I called, XXXX I called, ,i disputed it in XXXX of last year and also this year, ,nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: NC

Complaint narrative:
There are inaccurate accounts and personal info on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There is a consumer report on my trans union credit report that says to verify my identity and it is being taken as a fraud alert by bank underwriters that are reviewing my credit report for a morgage loan. On my Transunion online portal it says i have no fraud alerts set so i cant remove it there and i also tried calling trans union and they directed me to that same page in my portal that i had just been on that said i had no fraud alerts and when i said i was looking right at the fraud alert he said maybe it was from another company. I looked at all my reports its only on the trans union report. It says it has no expiration and i need it removed from my report as soon as possible. Anything you can do to help would be appreciated. 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 non-monetary relief
Consumer complaint received 2020-07-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i had a XXXX XXXX card which had some late payments.i paid the card in full and I do not have the card anymore .the company told me it was closed, ,however after more than five years, ,they refuse to remove it from my XXXX report, i have disputed it nothing.i have called the company .nothing it is still on my report with a negative view..please help me .I don't have a balance I paid the entire amount, XXXX I called, XXXX I called, ,i disputed it in XXXX of last year and also this year, ,nothing

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 2020-07-26 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-26 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
To whom it may concern, This was about 2 year ago when I open an account with BOA. I was returning due to i received and offer for returning customers. You could get XXXX dollars for opening and account. 

I called their customer service on a Thursday or Friday. The representative took my information over the phone. I transferred XXXX from the other bank. 

So, I set up all my bill pay and notified my bank that I will be going to another bank. I woke up on Saturday morning and I tried accessing my online bill pay. I call the customer service only to be told my account was closed. They gave me the risk number only to be told BOA could close the account without notice. I didn't do anything illegal and the funds would be direct deposited from my employer. They told me I would be banned for life. I have been with BOA since 1991. If I haven done anything illegal why am I being banned? I work every day and a law abiding citizen.

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 2020-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have 6 different loans with navient that are not being reported accurately dates are XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called emailed faxed letters to navient these loans were supposed to be in reduction plans and also forbearance and information was not consistent i was told it was being processed and i had to wait.i offered payment and was td to wait and as this happened I was reported late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
False debt was added to my credit report by a vindictive landlord / property management company. They claimed I damaged the rental property before a move, this is a lie. They then added bogus charges and sent to collections to collect this fake debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
late payment reported XX/XX/XXXX on XX/XX/XXXX my due date was changed to the XXXX for the next three payments I called on XX/XX/XXXX to ask if i can make the payment on XX/XX/XXXX without any negative reporting and i was assured i could and we scheduled it coaf rep gave approval and i relied on that information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: HI

Complaint narrative:
Experian keep Sending me Stall tactics. Experian This account fishtail financial is a charge off account but contains a monthly payment That is not possible, please delete. This account is labeled a collection but it is reporting a past due balance. I have full faith in Experian to be an outstanding model company and remove delete .. This account is reporting it has Late Payment in payment history but the account Has Been closed for years this a violation. I Sent proof Of my identity Theft report. Certified letters. I ask them to Send me burden of proof Methods of Verification nothing have be done at all only violation.

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 2020-07-26 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: PA

Complaint narrative:
late payment reported XX/XX/XXXX on XX/XX/XXXX my due date was changed to the XXXX for the next three payments I called on XX/XX/XXXX to ask if i can make the payment on XX/XX/XXXX without any negative reporting and i was assured i could and we scheduled it coaf rep gave approval and i relied on that information

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 2020-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We have made our application for refinance our mortgage application almost 4 months before at Wells Fargo since we took mortgage from them as first time home buyer back at XXXX, 2018. The interest rate was significantly high 4.625 when current rate for refinance interest came down below 3.25. 

We advised our mortgage broker to refinance our mortgage ASAP submitted all documents in first shot. Hence Wells Fargo representative kept on asking same document again and again and giving blame to each other for delay in processing. Now it become very frustrating since we have been waiting for 4 months for a closing date and Wells Fargo correspondent with us is not proposing any closing date. In the mean while we didnt applied for forbearance and that made WellsFargo comfortable enough to keep on charging us the Mortgage on previous interest rate in Corona pandemic. 

Their regulatory and compliance is not supporting us as their customer and making us complete victim in present financial crisis.

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 2020-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
After multiple complaints about an internal error within the Discover application system and reporting the information to the the CFPB, Discover has blacklisted me from getting a credit Card from them. The sad part is that when banks, creditors, lenders need a bailout the government doesnt blacklist them. I had a Discover Card Back in 2018 never ever late and paid in full. Two weeks later they closed it. Since I reported it to CFPB they have chosen to retaliate against me by giving me the following reason for declining the card ( even though I get pre approved ) and I have never been late payment on my creditors is impeccable.

Thank You For Youre Interest In Discover We Could Not Approve Your Request Due To The Following : Status Of Existing/ Prior Discover Card Account I reported this to XXXX XXXX Executive Office Of Customer Advocacy whos job is just to reassure me that I am on the Discover Black List for Filing A Complaint. 

The matter wasnt even resolved but I do believe that I am currently being definitely discriminated against because of my current address and age too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
According to the FCRA individuals should have access to credit reports online, Equifax has not allowed me access to my personal credit report online nor updated my information. ( See attachment ) their website has not been updated since the following date on the attachment. 
Equifax is reporting an address I have never lived at and swears that the address belongs to me. The following address belongs to an XXXX family listed with the XXXX County Recorders office or Assessors Office. The address they swear belongs to me is : XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Due to the hardship and denial of several credit from fraudulent addresses reported without my permission this has caused me to be denied employment and licenses for skilled trade. 

I can login to an Equifax website but the information is incorrect. I contacted my attorney and have relocated to an entirely different state to disassociate myself from fraudulent address to continue to be a victim of fraud. ( see attached information )

Company response to consumer: Closed with explanation