vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On my credit report from XXXX  it has a negative mark for an insufficient number of accounts that are currently paid as agreed/Number of accounts currently being paid as agreed XXXX accounts. I have 6 accounts that are all being paid as agreed and on time as of XX/XX/2021 It is also showing there is no recent activity on credit cards and/or bank issued open-ended accounts however I make monthly payments on all the accounts how is there no activity? This is dated as of XX/XX/2021 There is also 1 collection showing on my credit report from XXXX XXXX for {$520.00} but it is paid 100 %. I wasnt aware of this account before I paid it off so it gives me 2 negative marks one for collection and one for late payments. I want this to be removed from my report. This is dated 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 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On my credit report from XXXX  it has a negative mark for an insufficient number of accounts that are currently paid as agreed/Number of accounts currently being paid as agreed XXXX accounts. I have 6 accounts that are all being paid as agreed and on time as of XX/XX/2021 It is also showing there is no recent activity on credit cards and/or bank issued open-ended accounts however I make monthly payments on all the accounts how is there no activity? This is dated as of XX/XX/2021 There is also 1 collection showing on my credit report from XXXX XXXX for {$520.00} but it is paid 100 %. I wasnt aware of this account before I paid it off so it gives me 2 negative marks one for collection and one for late payments. I want this to be removed from my report. This is dated as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Auto is in violation

of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. Capital One Auto is reporting numerous missed payments on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit
card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax shows all of my open accounts as last reporting/updating as of XXXX and XX/XX/2021. Even my current report, as of XX/XX/2021 shows incorrect reporting data. I've reached out to my creditors and every company informs me that they report EVERY month and have obviously reported properly. 

My report also shows an account twice from XXXX XXXX XXXX which has been in dispute for fraud as the account was opened fraudulently. I've filed a police report with the XXXX, an FTC Identity Theft Report for that. 

With this issue, Equifax is falsely providing an incorrect credit score to any potential creditor with not updating my accounts properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: MD

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TX

Complaint narrative:
Equifax mailed a letter stating that they didnt know what I was disputing when Ive sent in numerous 609 letters to them by USPS with paid tracking labels via priority mail. The labels are {$7.00} a piece & will be glad to provide copies of tracking numbers once a rep from the bureau responds. In the meantime I will send copies of each 609 letter sent over the past few months for my proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I got a letter for my bank saying that 3 of my car payments were returned from XXXX XXXX and XXXXeach payment was for XXXX dls each month money the I pay with my debit card and money the I never received back those payments are posted as returns to my account on XX/XX/XXXX i never saw that money. On XX/XX/XXXX I went to the branch of the bank to see what happened with that money and the banker supposed to help me make a claim for that and he explain to me the company was gon na give my money back and they may have to close the account and open a new but unfortunately not they just close my account the i had for almost 7 years and they decide for me not to open anymore an account with them or any other back at the end of everything they ended charge me for XXXX on fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: MD

Complaint narrative:
The information regarding this account fails to report completely. I do not recognize this account. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX is reporting numerous missed payments on my credit report.

Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

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 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX is reporting numerous missed payments on my credit report.

Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX is reporting numerous missed payments on my credit report.

Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

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 2021-08-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit 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 2021-08-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have sent a validation letter with National Credit System that was sent on XX/XX/21, after a month I received a letter from another collection agency name XXXX XXXX XXXX XXXX XXXX dated XX/XX/21 collecting the debt of {$1800.00}. They did not even provide a valid proof that the account is mine. Not even with my signature. I have then send couple more letters trying to get the proper documents that I've asked for. But National Credit System never responded to me. please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit 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 non-monetary relief
Consumer complaint received 2021-08-25 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
The information regarding this account fails to report completely. I do not recognize this account. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit 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 non-monetary relief
Consumer complaint received 2021-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation