vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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: CA

Complaint narrative:
I hope you can help with the issues I am having with the credit bureaus. Back in XXXX I sent in disputes to the credit and I havent received anything from them. Here is a list of what need to come off my report. 
XXXX XXXX ( XXXX ) is over 7 years old and needs to be remove XXXX XXXX XXXX XXXX ( XXXX ) this is not my account XXXX XXXX XXXX ( XXXX ) is 7 years old and needs to be remove XXXX XXXX XXXX ( XXXX ) this is 7 years and needs to be remove. 

I have attached copies of the disputes from XXXX too. 
These things should already be off my report I dont understand why are they still on there after I disputed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Viewed my credit report and notice that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and these accounts are fraudulent and does not belong to me. This process of trying to get my life back on track is becoming overwhelming due to these negative remarks thats on my credit report. These discrepencies that are on my credit report are holding me back from moving forward so I am asking that this problem be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Harvard Collections, LLC
State: IL

Complaint narrative:
Viewed my credit report and notice that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and these accounts are fraudulent and does not belong to me. This process of trying to get my life back on track is becoming overwhelming due to these negative remarks thats on my credit report. These discrepencies that are on my credit report are holding me back from moving forward so I am asking that this problem be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Fake company saying I owe a debt, called the real company for which the the suposed debt was owed. The real company said i owe nothing. The fake company said i owed {$50.00}, trying to scam me out of money. Saying they would sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Viewed my credit report and noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and these accounts are fruadulent and does not belong to me. This process of trying to get my life back on track is becoming overwhelming due to these negative remarks that are on my credit report. These discrepencies that are on my credit report are holding me back from moving forward so I am asking that this problem be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have submitted several disputes to the credit bureau and credit card company ( Citi Bank ) regarding a fraudulent account that is being reported to my credit file. However, neither one of the companies have taken the proper steps according to the FTC statue with removing the account from my credit file.

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 2021-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following accounts and remove them. I attached copies of my annual credit reports of all major bureaus so you can find wrong 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 2021-04-22 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is ridiculous I paid this not even knowing if it was a bill I owed because it was reported on my credit and it still reports as if I owe. I have disputed and it is still on there. Please help get this account removed 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 non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This is ridiculous I paid this not even knowing if it was a bill I owed because it was reported on my credit and it still reports as if I owe. I have disputed and it is still on there. Please help get this account removed Phoenix Financial # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
They were not taking back ANY XXXX items. I asked for an exchange due to item being defective and stopped working on XX/XX/20. I could not take down off roof due to snow, weather conditions, and danger of injury. I asked for an exchange, store credit, or return to be made whole on product that does not work. Was told nothing they can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22 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: SC

Complaint narrative:
I called XXXX XXXX, in an effort to retrieve my PIN code in XX/XX/2020. After the conversation, my credit card was closed, without my consent. 
I called them, and asked why it was closed. I was told that I closed it, which I had not. 
I asked for the closed account to be opened, which it was. 5 months later, it is still showing as closed on all 3 credit bureaus. 
I called again, to ask why it is still showing as closed. 
I was told I have to send XXXX XXXX a copy of my full credit report, for them to believe it is currently showing as closed. 

I would like to know, who gave authorization for my account to close. 
It also seems highly unethical for a company to ask for my full 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 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
i got an e-mail showing somebody trying to open a checking & savings account in my name with bank of america. i have a credit card with them, i called there fraud dept. with the # on back of the card. i talked with XXXX, i told her that was not me trying to open those accounts, she said she would start a fraud report, and gave me a number # XXXX. we then both looked at my card info. at the time i reported this prob. i had a positive bal. of XXXX, my sec. and i both paid the bill.i asked to get that back XXXX said they would cut a check and mail it. when i reported the problem my acct. was ok. couple of days later i checked my account and found i owe XXXX i called bank of america again, i was on the phone from XXXXXXXX to XXXX XXXX bounced from one agent to another all i got out of them was they closed my cc account.they then sent me a letter saying they are not respons. for anything. i owe themXXXX. i then tryed again to talk to them about it, i got a 2nd letter same answer. so here i am?

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 2021-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I am not liable for the debt owed to CMRE financial services I did not sign a contract nor agreement with this company can this please be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TX

Complaint narrative:
FCRA violatons ; Wrong info XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMI

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 2021-04-22 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:
FCRA violatons ; Wrong info XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMI

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TN

Complaint narrative:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following accounts and remove them. I attached copies of my annual credit reports of all major bureaus so you can find wrong 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 2021-04-22 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: OneMain Finance Corporation
State: PA

Complaint narrative:
Hello, Ive contact XXXX about 10 times to have these injuries removed and for some reason they haven't, not there is a new injuries on my account not understanding why they will allow if I and fraud alert on my account. please remove these injuries off my report XXXX XXXX ONEMAIN XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
The account in question was opened in XX/XX/XXXX and closed in XX/XX/XXXX. Navy Federal charged off this account and continued reporting the account. After contacting Navy Federal about paying off this debt, over the phone they agreed to a settlement amount of {$2600.00}. They updated the account as closed on my credit report with a date of XXXX 3 years after the account closed. They also never followed up and sent out the corresponding information for me to pay off the account. It's been over 6 years and Navy Federal has not tried to solve this issue with me but continues to report this old car loan as new. The statute of limitations of debt in South Carolina is 6 years. This debt should be removed from my credit report ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CA

Complaint narrative:
I try to try to talk with experian several times about my report that it is inaccurate, shows a lot of wrong information, wrong middle names and last names, inaccurate loan balances, inaccurate payment history, i have a credit card ( XXXX XXXX XXXX, this is fraudulent account ) also XXXX XXXX this one has fraudalent activities. when I try to pull a credit report from ANNUAL CREDIT REPORT, keep saying that Experian has a security lock or not enough information on my files, when I called Experian they keep saying that I don't have any security freeze and they do have my correct file, this is driving me crazy, I already told them that I will get a lawyer or will open a claim with the State, this is making me sick, I need a solution for this.

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 2021-04-22 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: CA

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: AR

Complaint narrative:
I was affected by the COVID Virus and filed a natural diaster emergency with all three credit bureaus. None of my accounts are the same on all e credit reporting agencys. None recieved notice that my score decreased after paying a car loan off with XXXX. I called XXXX XXXX and I could not even get anyone to discuss this situation about the paid off car loan instead it says the account is closed.

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 2021-04-22 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: TN

Complaint narrative:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following accounts and remove them. I attached copies of my annual credit reports of all major bureaus so you can find wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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 that should be on the report is missing
Company: FIRST ADVANTAGE CORPORATION
State: AZ

Complaint narrative:
I applied for a job with XXXX First Advantage did my report and it goes back 13 years All issues were already resolved by the court I was never arrested and never had a XXXX First Advantage never attempted to update the information before submitting a report directly to XXXX  Never sent it directly to me so I could clear up My deadline for clean report is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is not complying with their own policies in a timely manner. I sent a letter on XX/XX/2021 to Experian requesting the reinvestigation of the accounts listed below. 
XXXX Account # XXXX XXXX  - Card Service Account # XXXX I stated that these accounts are unverified and needs to be deleted. Till this date I have not received a response. I mailed out another letter on XX/XX/2021 demanding for the accounts to be deleted as it is unverified. I previously filed a complaint with the cpfb and it was closed stating that experian needed authorization. I called experian on XX/XX/2021 and they stated that my dispute is being worked and they dont need any authorization from me. This is a deceptive practice by experian to stall. 
Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These items needed to be deleted immediately.

My information was also impacted by the XXXX  breach and may have gotten into the hands of the wrong person.

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 2021-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Transworld Systems has been reporting a collections account on my credit report that was opened on XXXX that is not mine. On XXXX I sent them a certified letter asking them to to provide me with validation of the debt .I never received any response or any verification of the debt. On XXXX I sent them a second certified letter advising them that they never responded to my request to validate the debt and they are in violation of the fair debt collection practices act and requested that they immediately contact the three credit bureaus and have the incorrect information removed from my credit reports. They never responded to me and continue to report this incorrect information on my credit reports. They also notified the credit bureaus that this information is correct.

Company response to consumer: Closed with explanation