vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: KY

Complaint narrative:
I am a victim of identity theft and I have filed a complaint with the Federal Trade Comission. XXXX, Equifax and XXXX are reporting fraudulent unauthorized accounts on my credit file that are violating my consumer rights and damaging my reputation. I have reported these accounts fraudulent to the companies that are appearing on my credit file as well. I have filled multiple complaints and I am not getting a response in my favor. I have attached all of the following documentation that prove these are fraudulent accounts and need to be removed from my credit file immediately. 
The following accounts are listed below : 1 ) XXXX 2 ) XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX account is reported multiple times only one account should be posted. XXXX XXXX is reporting what the creditors pay them to post even if it's inaccurate. XXXX XXXX is reporting more than once and it's the same accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Pra Group keeps calling my phone. I don't have a contract with them and don't know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: GA

Complaint narrative:
I have disputed 3 times the following information with the 3 major credit bureaus, XXXX, XXXX and TransUnion, to which each failed to comply with Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. Attached you will find supporting documentation for each dispute submitted to each credit bureau including tracking numbers from USPS. 

XXXX is currently reporting the following 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 2021-10-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I was affected by the XXXX XXXX and furloughed by the time i had to pay for the balance. I told the school and there was nothing to do therefore i paid it late. The school updated my balance and yet the collection agency is still reporting it. The balance is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio recovery associates. They call me late at night when asked not they. They always call me from different numbers never the same. The only call the same until I block them because they will call multiple times a day. They will swear at you when you get mad. They do nothing but Harass you. I was in a car accident I pay the money that I can little at a time and they will not stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 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: LEXISNEXIS
State: NV

Complaint narrative:
One of the Credit bureaus combined my info with another person with the same first name and our Social Security number was different by only one number. It took me approx 8mo.to clear it up or sort of clear it up. XXXX XXXX is now reporting the same thing. My car insurance tripled and I do not have any accidents or tickets. 

These Bureus that keep track of our information and share it with companies should be held accountable for mistakes. This is insane XXXX a month for car insurance. 

I have been on the phone with LexisNexis now for XXXX and have not gotten anything fixed or verified yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: WI

Complaint narrative:
I have reach out to XXXX, Equifax, XXXX to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: WI

Complaint narrative:
I have reach out to XXXX, XXXX, Experian to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.

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 2021-10-08 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: KY

Complaint narrative:
I am a victim of identity theft and I have filed a complaint with the Federal Trade Comission. Transunion, XXXX and XXXX are reporting fraudulent unauthorized accounts on my credit file that are violating my consumer rights and damaging my reputation. I have reported these accounts fraudulent to the companies that are appearing on my credit file as well. I have filled multiple complaints and I am not getting a response in my favor. I have attached all of the following documentation that prove these are fraudulent accounts and need to be removed from my credit file immediately. 
The following accounts are listed below : 1 ) XXXX 2 ) 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 2021-10-08 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: KY

Complaint narrative:
I am a victim of identity theft and I have filed a complaint with the Federal Trade Comission. XXXX, XXXX and Experian are reporting fraudulent unauthorized accounts on my credit file that are violating my consumer rights and damaging my reputation. I have reported these accounts fraudulent to the companies that are appearing on my credit file as well. I have filled multiple complaints and I am not getting a response in my favor. I have attached all of the following documentation that prove these are fraudulent accounts and need to be removed from my credit file immediately. 
The following accounts are listed below : 1 ) XXXX 2 ) 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 2021-10-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Regarding Experian. First complaint, you can't get through to anyone. I can't even find an email address to make an inquiry. Their customer service numbers are all dead ends. There aren't even automated options for my problem. 

I had use their identity verification service on XXXX. One of the automated questions they used required that I select, from five choices, a year that corresponded to a car I currently owned. They listed four years and a fifth choice of " none of the above ''. Of the four years listed, I own cars that correspond to three of the four choices offered. I had a 66 % probability of failure. Clearly, the data and/or the program generating the questions is flawed. 

As a result of their flawed data or question formulation process, I had to jump through multiple unnecessary hoops to prove who I am. I would like a way to contact them to resolve this type of error so it does not happen again.

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 2021-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have reach out to Transunion, XXXX, XXXX to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.

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 2021-10-08 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Mercedez Benz account is reported multiple times only one account should be posted. XXXX XXXX is reporting what the creditors pay them to post even if it's inaccurate. XXXX XXXX is reporting more than once and it's the same accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am not familiar with this account. I have contacted ALLY FINANCIAL concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. ALLY FINANCIAL has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

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 2021-10-08 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: LEXISNEXIS
State: LA

Complaint narrative:
LexisNexis Consumer Center, XXXX XXXX XXXX, XXXX, GA XXXX, Telephone : XXXX, www.consumerdisclosure.com ; provided the following incorrect information on my credit report : XXXX Account with a Reported Delinquency Status Including Bad Debt & Bankruptcy XXXX Percent of All Department Store Accounts Reported in the Last 24 Mos to Total # of Accts XXXX Time Since Most Recent Collection Agency Filing Reported XXXX Insufficient Information on Bank Revolving Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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:
To Whom It May Concern, My name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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:
I sent letters to Equifax on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 45 days and the Bureaus have not corrected the errors on my report. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt hasn't been updated. I demand these accounts be blocked, deleted and removed from my consumer report. These negative and derogatory items are impacting my personal goals of buying a house and starting business ventures. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are keeping me from doing so. This is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I lost my job in early 2020 as a direct result of Covid. I contacted NetCredit to make arrangements to skip payments in XX/XX/2020, XX/XX/2020 and XX/XX/2020 seeking relief under the CARES Act. Such permission was granted but unfortunately NetCredit still reported the missed payments to all three credit bureaus. I have contacted them on three different occassions and am told that 'accurate missed payments ' can not be removed. I am not disputing that the payments were missed - I am disputing NetCredit 's role in not accurately reporting that my credit was protected under the CARES act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I applied for a credit card with Aspire and was approved for {$700.00} credit limit and was told there was a {$170.00} annual fee charged to the card upfront, which I accepted. I was told my would arrive in 10-14 business days. When my card had not arrived by XX/XX/XXXX I contacted customer service and was told that they would cancel the card and reissue a replacement card. But I should pay the minimum due because that was part of my annual fee. I paid the minimum payment and waited for my card, which should have arrived by XX/XX/21. When it had not arrived I contacted customer service on XX/XX/21 and they stated they would cancel the card again and reissue another card. I requested that they send it via express ( XXXX ) service. I called today ( XXXX ) to verify if the card was shipped and if it was sent express, and I was told it was sent via regular mail. At this point I'm doubting this card will reach me. When I told them I am disappointed and want to close my account and their actions seem fraudulent they disconnected my contact to them. After researching online I am seeing that this is a pattern for them of not sending people their cards, but making people pay for their annual fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just noticed that there have been several inquires that have been added by someone that have stolen my information. THIS IS FRAUD.

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 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My problem with Chase Bank i refinance my home on XXXX, in XXXX I stop some payments due to a marital separation, i make on Agreement with Chase, for the past 10 years i paying my Mortgage but, still have the same principal balance, and the money that I send is all for the interest

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 just noticed that there have been several inquires that have been added by someone that have stolen my information. THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: GA

Complaint narrative:
I just noticed that there have been several inquires that have been added by someone that have stolen my information. THIS IS FRAUD.

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 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
FIFTH THIRD BANK PROVIDED ME A COUPON OFFER FOR MOMENTUM BANKING WITH A {$700.00} CASH BONUS. WHEN I ATTEMPTED TO OPEN THE ACCOUNT ONLINE, AFTER THEY VALIDATED MY DRIVERS LICENSE AND SSN, THEIR WEBSITE SAID I ALREADY HAD AN ACCOUNT WITH THEM. 

I CALLED AND WAS TOLD THAT ACCOUNT WAS OPENED IN XXXX AND CLOSED IN XXXX. 

THE COUPON TERMS STATE " OFFER NOT AVAILABLE TO EXISTING FIFTH THIRD CUSTOMERS OR THOSE WITH A FIFTH THIRD CHECKING ACCOUNT THAT CLOSED WITHIN THE LAST 12 MONTHS. '' BECAUSE I CLOSED AN ACCOUNT FIFTEEN YEARS AGO, I AM INELIGIBLE TO GET THE BONUS BECUASE I'M STILL AN " EXISTING FIFTH THIRD CUSTOMER. '' FIFTH THIRD IS COMMITING FRAUD IN ITS INDUCEMENT AND ADVERTISING TO " NEW '' CUSTOMERS.

Company response to consumer: Closed with explanation