vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 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: DE

Complaint narrative:
I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts that are still reporting on my Credit Report : XXXX XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPT OF ED/XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX, XXXX-Original amount {$2700.00} DEPT OF ED/XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX, 2015-Original amount {$3000.00} DEPT OF ED/XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX, 2015-Original amount {$2200.00} XXXX  XXXX XXXX C-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX C-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX LLC-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX  XXXX-Balance : $ 117-Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TX

Complaint narrative:
My name is XXXX XXXX and I am a former customer of XXXX XXXX. In XXXX, I purchased a home using XXXX as my mortgage company. We closed on the house in XX/XX/XXXX. Fast forward to XXXX, I had the opportunity to refinance my house at a lower interest rate while shaving off 4 years off the note. I began the refinance process in XX/XX/XXXX. My monthly mortgage payment was always paid via auto-deduction. I paid my mortgage in XX/XX/XXXX like normal. However, for XX/XX/XXXX, I stopped auto-pay because the house would be refinanced. I informed XXXX of the refinance process when I stopped the auto-pay. My XX/XX/XXXX mortgage was officially due on XX/XX/XXXX. The house was paid off via refinance on XX/XX/XXXX. I provided XXXX with proof ( documents ) to show that they received the entire balance pay off yet they are reporting to the credit bureaus that I was over 30 days late. Again, my payment was due XX/XX/XXXX, and the entire house note was paid off on XX/XX/XXXX. They are falsely reporting that I was " 30 days '' late when that is not possible. I made contact via email with various executives at XXXX and they have ignored my request to remove this from my credit reports. In fact, they have not bothered to respond to my email at all. Persons contacted include XXXX XXXX, Executive Vice President and President of Mortgage Banking, as well as XXXX XXXX, Senior Vice President of Mortgage Servicing and XXXX XXXX, Chairman of the Board for XXXX. I filed a complaint with Equifax Credit Reporting and they advised that XXXX confirmed that in XX/XX/XXXX, I was 30 days late. Thus, the credit reporting agency is also refusing to correct this information even though I have proof that the entire mortgage was paid off in XX/XX/XXXX. Address of the property was XXXX XXXX XXXX, XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank holds the credit cards for XXXX XXXX, XXXX, and a number of other stores. They need to make it easier for a consumer to file a complaint, research returns as well as speak with a customer service rep. You should not have to start hitting numbers to speak to someone. You should be able to chose a customer service rep, a refund disbute rep, etc. You also email erroneous information as a response to a missing refund see below, the number did not direct me to who I needed to discuss the issue with. Finally why does it take longer than 7 business days to be credited for a refund. This behavior is not acceptible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page 1 of 2 Send Correspondence To Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX All Bankruptcy Notices/Related Correspondence To XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2021 Account Ending In : XXXX Dispute ID : Thank you for contacting us about a purchase on your account. 
Dear XXXX XXXX, Were Comenity Bank and we handle everything credit-related to your XXXX XXXX credit card account. 
You recently asked for help understanding a specific purchase. 
Comenity Bank does not have detailed transaction information in reference to your purchase. For assistance with your transaction, please contact the service provider in which the purchase was made. 
Were sorry were unable to fulfill your request. 
We truly value your business and we apologize for any inconvenience. If you have questions about this, please contact us at XXXX ( TDD/TTY : XXXX ). 
Sincerely, Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: NY

Complaint narrative:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: FL

Complaint narrative:
I've sent several letters disputing inaccurate payment history with my XXXX XXXX account # XXXX. The payment history is reporting inaccurately. I've attached a history of the same exact account from XXXX and XXXX. The account information is accurate with the other two but not with Experian. 

Each time they've responded stating information has been updated. The information is reporting inaccurately and has damaged my profile. This goes against the Fair Credit Reporting Act.

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 2021-08-11 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:
AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, Equifax, XXXX  are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
District Court of XXXX County XXXX, AR Judgement of unverified and disputed debt XXXX XXXX XXXX XXXX was filed by 2 judges signing an order to distribute funds without proof of debt, nor process server receipt of service, nor right to hearing or trial to prove/disprove alleged debt unverified, no documents filed by plantiff of any kind including answers by garnished, dispute of inaccurate info owing debt was ignored by all court parties and garnishee & objection to garnishment hearing was denied in order to object it, negotiate if necessary, challenge unverified judgement, & negotiating alleged 2 debts in the judgement was never an option. Nor consent given to garnish wages, nor any receipts of garnishments made paid to either of alleged debts as required by me to assign if they existed and they do not. 

Magistrate judge, city attorney, clerk 's, & other judges violated in using XXXX  XXXX XXXX XXXX wire transfers to Michigan and deposited in Arkansas & 15 USC sect 1672. 

Wages exempt were garnished. Loss of information by denial and without filing required documents causes inability to use required materials to determine damages & loss of profits, proof of payments were made to either of the 2 fake debt accounts by XXXX required payment from Michigan to be made in XXXX county at their p.o. box address in XXXX XXXX, Arkansas. 

No direct deposit authorization was given.

8th amendment requires REVIEW before going through with garnishment.

No right to counsel or appeal.

Error of law & abuse of discretion by judges. 

Loss of rights to injunctions against any labor organization fees unlawfully deducted, unpaid minimum wages or overtime wages, unemployment insurance withheld by state and the federal cares act funds, forgery & FRAUD CHARGES existing, title III established of conspiracy satisfied, & stop of garnishments without any explanation or balance calculated from payments deducted by garnishment establish theft.

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 2021-08-11 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: SCA Collections, Inc.
State: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021 at XXXX CA time, I called Transunion and spoke with the first phone rep and advice that I filed a dispute on an collect that has been paid since XX/XX/2021 and that the company said they reported it to then on XX/XX/XXXX XXXX And I filed a dispute on XX/XX/XXXX because it was still showing but when I filed the dispute there system didn't give me an option to up load documents showing proof it was paid and closed. And that I had spoke to another rep that advice to me on XX/XX/XXXX when I filed the dispute that I can still upload and he would transfer me to the department that could help me and then I was transfer and then the system advice that since the wait was long I could get a call back and I opt for that but never got a call back and this is why I was calling today. The rep advice me that I have to mail it in because there is no way that this can be done, I question him because of the last rep advice I could and I have done this before through there website when I file dispute before and he keep advice that I was wrong and that mailing in the proof was the only way. I advice that I would like to speck to a supervisor but eh advice that I didn't need one and that he could help me. I advice he couldn't and I wanted a supervisor he keep telling me no I couldn't have one. In tell after 3 mint if asking he finely gave me one. He cold transfer me and I had to explain and give all my information over again. And this supervisor did what the last one did and said I was wrong and that this is how it is. I asked to speck to his supervisor and he advise that he could help me and that I didn't need one. I explained he couldn't help and I would like a supervisor and finally after this he cold transfer me to anther supervisor. This supervisor advice that she could cancel the dispute and I can refile it and then the system should let me upload the information and if it doesn't then call then back. TransUnion is prohibiting me from filing my dispute and is not letting me give them information to show I paid this off and they are the only credit bureau that is reporting this incorrect 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 2021-08-11 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: DE

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports : EQUIFAX MORTGAGE SER-Date of inquiry XX/XX/XXXX XXXX-XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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:
AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, XXXX, Transunion are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : 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 2021-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I filed for bankruptcy in XX/XX/2019 and have remained in bankruptcy. My payments went up about {$400.00} but kept going up within the next year and after 1 year went up almost {$1000.00} which I couldn't afford anymore. 

I called my mortgage company at the end of XXXX to see if I could apply for a loan modification and was told I did qualify. I was informed I would receive my paperwork 7 business days and would have 14 days to return them signed and notarized. Over the next 9 weeks I have called US bank at least 9 times to try and get the paperwork mailed to me or my bk attorney 's office with no success. I made the payment they verbally advised me to make and now at 10 week, I have not received my paperwork. 

Please help.

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 2021-08-11 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: NC

Complaint narrative:
My file is currently in and has been with the Equifax office of consumer affairs since XX/XX/XXXX. They claim its to protect my file but it has done nothing but keep me from doing just that. I cant monitor my credit report with Equifax and therefore several inaccurate items are listed on the report. When trying to contact them to resolve the issue, it takes me an hour or more to get someone if I can even get someone. About XX/XX/XXXX I was told by 2 different representatives that they were requesting that my file be released from this department after they reviewed it because there didnt seem to be anything requiring it to remain in this department. I was told by the first representative that it would be dont in 24 - 48 hours and after not seeing it done in 7 days I called back. At the tile of call back, I was told by the second representative that they were slower in the process so to covid but he would escalate the file to get it done. 3 months later I still have no resolve so I called back. This time I spoke to a representative named XXXX who has an ID number of XXXX according to her and was told that my file can not be removed and shes not sure why the other representatives provided me inaccurate information. When I asked if she could see the previous representatives that I spoke to, she confirmed that she could but would not give me there names. This matter has become more than frustrating and compromising to me and my life. I need help resolving this matter because this situation has to be illegal in some fashion. Ive asked to speak with management in their office to resolve the matter and they wont allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank delayed a payment and made it looking not existent when apparently hours later the payment came while a second payment seconds apart went though. As a result two payments were made and facilitated stealing of the money by the person who received it. Chase bank blames XXXX XXXX XXXX the person who received it not returning it but fails to refund us for a mystery second transaction that comes through by surprise and late compared to a second one. They had server problems and refuse to take responsibility for our stolen money of a large amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: GA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I the consumer received an alleged claim stating I owed Portfolio Recovery Associates this alleged debt they claimed they purchased containing my personal private information including my social security number, telephone number and personal address I did not give them any consent to have any of my personal private information nor did i give them direct consent to contact me witch is a violation under the fair debt collection practice act. 
they continue there Abusive debt collection practices by sending me false and misleading information though the mail and continue to invade my individual privacy. they continue to harass, oppress, abuse, and harm my reputation as a consumer. in the attached documents you will see an identity theft report filed with the Federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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:
Experian has allowed 6 inquiries on my credit report that I am disputing because they were not authorized. I did not receive calls from these companies even though I have a fraud alert on my credit profile. These inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In addition to that the Bankruptcy Chapter XXXX filed XX/XX/XXXX was discharged XX/XX/XXXX. This is public information and Experian still shows an active collect account from XXXX XXXX which is discharged. And from XXXX XXXX XXXX XXXX. 

Experian shows my community credit union opened XX/XX/XXXX. My credit score at that time was XXXX and I wouldnt have been able to obtain such a loan for {$22000.00} this account is fraudulent but other than that I included it in my bankruptcy and it was discharged XX/XX/XXXX my attorney already mailed this to the creditor which confirmed they arent reporting debt owed since it was discharged they advised my attorney it should reflect {$0.00} owed yet Experian says they verified I owe discharged debt? Very strange how you can go against the bankruptcy court laws.

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