vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 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: WA

Complaint narrative:
This is a complaint against XXXX. I already disputed an account from them before, under the name XXXX XXXX XXXX with account number XXXX and it was deleted from my credit reports under Equifax XXXX XXXX. However, an account with the same account number XXXX but with the name is now only showing up as XXXX, re-appeared in my reports and reporting negative under Equifax XXXX XXXX. I want this to be removed as it is very illegal to add on removed fraudulent accounts. Moreover, I have requested multiple times for verification of this account and send out dispute/demand letters on the following dates, as well as filing disputes to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
please remove these accounts : 1. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a consumer, and I feel my federally protected rights have been violated. I sent a " Cease and Desist '' letter via Certified Mail on XX/XX/21 telling Chase to no longer contact me regarding the debt on my account. I received a letter from them dated XX/XX/21 which stated that they would no longer contact me. In spite of that letter from Chase, they contacted me on 2 separate occasionsXX/XX/21 and XX/XX/21. I felt extremely stressed out after receiving those 2 separate notices. I thought they would no longer contact me, but they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: VA

Complaint narrative:
XXXX XXXX XXXX is reporting 60 late payment for the month of XX/XX/2020, while the payment was posted on XX/XX/2020. 
Attached is XXXX XXXX XXXX XXXX statement showing the payments posted on XX/XX/2020. 
Please adjust the information on my credit report for XX/XX/2020 to show on time payment.

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 2021-10-05 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: GA

Complaint narrative:
I originally filed a dispute on XX/XX/XXXX via certified mail to all three credit reporting agencies : XXXX, XXXX and Equifax. I received a letter on XX/XX/XXXX from them stating that the Collection account has been verified as accurate. In my letter I requested for them to send me copies of the documents they used to verify the collection. They have failed to send me any documents. They have continued to report this inaccurate and unverified collection on my credit report. On XX/XX/XXXX I sent a U.S. Postal certified mail receipt to XXXX XXXX XXXX XXXX XXXX requesting that they send me copies of the documents they used to verify the collection. They have failed to send me any documents. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Update : I called XXXX via phone yesterday XX/XX/XXXX and spoke with a representative that advised me that the collection from XXXX XXXX XXXX has been removed from my credit report. The representative stated that XXXX XXXX XXXX contacted them to remove the collection from my credit report. I would like for Equifax and XXXX to remove the collection {$4700.00} from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: NY

Complaint narrative:
On XX/XX/2021 an envelope was mailed to Transunion via USPS tracking XXXX this was received by Transunion on XX/XX/2021. As of today XX/XX/2021 Transunion failed to respond at all let alone in the timeframe allowed. 
The accounts in question which were initially challenged are : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX I am attaching a copy of the report they contain issues which were previously sent on the above date with tracking info.

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 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I sent a debt validation letter to National Credit Adjusters XX/XX/2021. I never received a response and they are still reporting to alleged debt to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cohen & Cohen Law, LLC
State: NY

Complaint narrative:
Mr. XXXX forwarded an expired judgement that is not mine, and has told me he will take legal action, I responded with that I take legal action, and he has forwarded a letter stating " I will report you to the appropriate authorities '' " I will be reporting it to the police '', I am very scared, I don't want to be arrested for something that is not mine, nor for defending myself, I don't want this lawyer to call the police make something up and I am in jail! I have the letter stating all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: MI

Complaint narrative:
I recently lost my wallet this spring with all of my personal information included. This debt collection appeared on my credit in XXXX, but was opened in XXXX. The address of where the collection is from is XXXX XXXX XXXX XXXX, XXXX XXXX, Missouri. Phone # is XXXX. When I looked up this address, it did not match the one listed here. I have never been in Missouri and none of the information is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: DC

Complaint narrative:
I, XXXX XXXX, feels like my federally protected consumer rights are being violated. The company 's listed assured me that they do not follow the FCRA via telephone communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I was a victim of identity theft on line now i can not open any account when i applied for a job online and was defrauded with fraudulent checks being deposited on my account unknowingly been a victim of a crime against banking institution until i was notified that the check issued by the supposed to be employer was a fraud and did not clear. Ever since then I was declined to open any account that teach me a lesson not to apply for any transaction or jobs on line. Some electric company also claim i have an unpaid utility in Mary land and an apartment there i told the police i have never been to Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
I am currently enrolled in Income Based Repayment plan for my student loan which is operated by FedLoan as I work towards Public Service Loan forgiveness. Despite many efforts ( I am talking years of trying to fix my account and requesting several times the errors go under review ) with Fedloan to resolve issue aroundpaymentsnot being counted, but this continues to be unresolved. I have 7 XXXX XXXX loans, 3 of those are subsidized and 4 are not. They are not counting 8 qualifyingpayments based on what my account is saying " you do not have a bill for this payment period '' on my loans number 1-3. They are not counting 10 of my payments on my loans number 4-7 with the same primary reason for denial " You do not have a bill for this payment period.

Below is the Breakdown of the loans : Loan 1-3 1 DIRECT STAFFORD LOAN, not counting a payment because they did not issue me a bill : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX XXXX. XX/XX/XXXX Loan XXXX XXXX DIRECT STAFFORD LOAN, not counting a payment because they did not issue me a bill : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9. XX/XX/XXXX 10. XX/XX/XXXX ( this payment was made but was when i was with XXXX so my attached payment history from Fedloan does not include this, but they counted that payment on loans 1-3 but aren't counting it on loans 4-7 ) If we need to get XXXX ( it may be called XXXX XXXX XXXX  XXXX  XXXX XXXX now ) involved XXXX I am happy to help facilitate that. But the error is also on Fedloan for not transferring my data correctly or not applying it to my loans 4-7 appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: OH

Complaint narrative:
This debt collection agency on XX/XX/21 explained that they did extensive research in theyre data base, so I could providing true validity of this debt and couldnt come up with anything stating that I owe persolve or account resolution. Instead of taking it off completely from there theyve continued to make huge impacts on my credit by increasing the supposed debt every 7-10 day by + {$65.00}. Everytime I call they put me on hold and continue to say Im not in there system .Theyve responded to the FTC Credit bureaus by taking the regular persolve name off .Then just replacing with a one of there new names similar to the original, or blatantly taking the name off and putting it back on the the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021 an envelope was mailed to Experian via XXXX tracking XXXX this was received by Experian on XX/XX/2021. As of today XX/XX/2021 Experian failed to respond at all let alone in the timeframe allowed. The accounts in question which were initially challenged are : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX I am attaching a copy of the report they contain issues which were previously sent on the above date with tracking info.

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 2021-10-05 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: NV

Complaint narrative:
XX/XX/2021 i was under the impression that my mortgage payment was processed with XXXX XXXX. i was unaware until the following month XX/XX/2021 when i received a 30 day late payment notice 3 days after making the scheduled payment for that month. this prompted me to investigate what what could have happened so i checked my bank statement from the previous month and that was when i realized the payment had not been processed. i immediately make a second payment and called XXXX XXXX  to understand how this could have happened and to have the reporting removed.i spoke to XXXX XXXX who started a dispute and requested 3 months of my bank statements to prove i had no intention or reason that a payment could not be made. at that time i had an open dispute with XXXX. on XX/XX/2021 i received a resolution that it had been corrected. i was unaware it was also reflecting on my transunion and XXXX so i called back in to start another dispute on XX/XX/2021 and spoke to a woman ( did not get her information ) and she told me it would be corrected and removed by XX/XX/2021. since then i have called XXXX a number times and have been left on hold for more than 2 hours by one rep. and been brushed off by a number of others. now they are refusing to remove the incorrect reporting from transunion and XXXX. this has destroyed my credit to the point that my credit cards have all been cut to XXXX limits and i can not refinance my house because of the drop in my credit score. i have exceptional payment history on all of my open accounts. this missed payment was in error i believe to the website being under construction at the time of the missed payment. in either case when i was aware a payment had been missed i paid it immediately. i dont know how to prove a website error so i am requesting a goodwill adjustment. i ask for consideration especially in these time where so many have deferred or defaulted alltogether. i am a good paying customer and i intend to keep it that way.

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 2021-10-05 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: TX

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
This is regards to GM Financial Account XXXX XXXX. In a prior complaint, GM Financial stated that a payment was made late in the amount of {$540.00} on XX/XX/XXXX, despite our turning in the XXXX XXXX XXXX XXXX on XX/XX/XXXX ( see attached letter from GM Financial ). We have no financial record of every making any payment to GM Financial in the amount of {$540.00} in or around XX/XX/XXXX, from any of our accounts. This payment was not made by XXXX XXXX or XXXX XXXX XXXX. We did receive a payout relating to this vehicle on XX/XX/XXXX, in the amount of {$XXXX} ( check image attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: MD

Complaint narrative:
I, XXXX XXXX, feels like my federally protected consumer rights are being violated. The company 's listed assured me that they do not follow the FCRA via telephone communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I " sold '' a car through XXXX to a person who sent me a check for {$20000.00} dollars. I presented the check to an officer of the bank ( Chase ) and asked him to verify the check for me before I deposit it as it was for a lot of money. Without even looking up from his desk he told me to just deposit it and see what happens. As per his advice, I did that. The following day the person who sent me the check informed me that the check had an overpayment of {$2400.00}, which it did, and asked me when the check clears to XXXX him the {$2400.00}. The following day Chase had placed the {$20000.00} in my account and indicated that it cleared. I then sent him 2 XXXX payments, one for {$2000.00} and another for {$400.00} to make up for the overpayment. A few days after that Chase took out the {$20000.00} from my account indicating that the check was a fraudulent check. I was out the {$2400.00} I sent the scammer. 
I feel that Chase failed on several levels. Firstly, the bank officer failed to verify the validity of the check when asked by me. They ( He ) could have called the bank that the check was issued from to see if it was real. Secondly, Chase should not have cleared the money into my account making me believe that the deposit was a good one. I would never have returned the {$2400.00} to the scammer if the money was not in my account. I contacted the bank ( Chase ) several times and they deny any responsibility. I'd like my {$2400.00} returned.

Company response to consumer: Closed with explanation