vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-18 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: AZ

Complaint narrative:
I have 2 student loan account : XXXX that Experian is reporting as included in a bankruptcy, closed and a late payment XX/XX/2021 ( showing on both ) I spoke with XXXX XXXX and they stated that I should dispute it and it would be updated I dispute twice and Experian never updated. During this pandemic student loans were forbearance and should have never been reported as negative. I want these accounts updated to reflect the correct 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 2021-12-18 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: MI

Complaint narrative:
These accounts on my credit file are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts were 100 % accurately mine, So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC report # is : XXXX FTC report is attached and every account listed in my documents below are included in the report. 
Do not respond to me using a computer throughly look at my credit file and do your Job!.

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 2021-12-18 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: MI

Complaint narrative:
These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts where even opened. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

My FTC report is included. 
The report number is : XXXX AFNI ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Please remove any inquires that have no account or is shown as duplicate. My credit file needs to be up to date 100 % accurate no inaccuracies or else you went against the law.

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 2021-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I do have a vehicle with bridge crest, I did speak with a representative know as XXXX XXXX about this matter and was told do not worry about it. So all of a sudden this item was put on my credit report so I asked to see contracts etc so they send me information Im the mail to send a copy of my social security number and asking for my drivers license. No Im not complying with this fraudulent activity sending my personal information to them. Not comfortable with that at all.

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 2021-12-18 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: CT

Complaint narrative:
I sent the attached dispute to Equifax on XX/XX/2021 and they haven't respond as they are required by federal law which stated they have to respond in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On Saturday XX/XX/XXXX. I was at a kohls department store. I was talked into getting a store credit card. Under the assumption I could get gift cards. When I went to ring out they informed me that I couldn't get the gift cards. The lady at the store voided the order. I was suppose to get the charges fixed within 24/48 hours. 7 days later here we are and the charge is still there. The card company has told me twice now to come down and the store could fix it. I live 45 miles from this store. Now I'm out gas and the frustration. I want to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: CT

Complaint narrative:
I sent the attached dispute to TransUnion on XXXX/XXXX/2021 and they haven't respond as they are required by federal law which stated they have to respond in 30 days.

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 2021-12-18 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: MI

Complaint narrative:
These accounts on my credit file are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts were 100 % accurately mine, So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC report # is : XXXX FTC report is attached and every account listed in my documents below are included in the report. 
Do not respond to me using a computer throughly look at my credit file and do your Job!.

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 2021-12-18 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: MI

Complaint narrative:
These accounts on my credit file are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts were 100 % accurately mine, So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC report # is : XXXX FTC report is attached and every account listed in my documents below are included in the report. 
Do not respond to me using a computer throughly look at my credit file and do your Job!.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft, and I have a right to privacy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: CT

Complaint narrative:
I sent the attached dispute to Experian on XX/XX/2021 and they haven't respond as they are required by federal law which stated they have to respond in 30 days.

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 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XXXX XX/XX/2021 XXXX XXXX of XXXX XXXX submitted a sworn statement to the Attorney General Office for Michigan, AG No. XXXX, that XXXX was reporting my account as paid in full. It has been a full reporting cycle and XXXX is still reporting my account as having a {$810.00} balance. 

XXXX XXXX knowingly submitted a false statement to a governmental agency, and due to the severity of this. I think its in all parties best interest that the two XXXX accounts were deleted entirely from the report. 

XXXX is still reporting a {$810.00} balance! They lied to the Michigan attorney general Making falsified statements to federal agencies are quite sever and I am scared what other individuals are being taken advantage of. I feel bullied and intimidated by this company that is willing to lie to federal officials to continue extorting people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was trying to close an account with 53rd bank. I sent a closure email to find out how and received no response. I then just tried to transfer the money out to force closure of both my savings and checking account. On roughly XX/XX/XXXX I started the transfers from XXXX to chase. On XX/XX/XXXX I received 2 emails from XXXX stating the transfers had been stooped for review ( Item # : XXXX Amount : {$1300.00} From : XXXX To : XXXX XXXX, Checking XXXXXXXXXX ) ( reasons. 

********************************************* Item # : XXXX Amount : {$30.00} From : XXXX To : XXXX XXXX, Checking XXXX ********************************************* ). 

I was at that point locked out of my account. I emailed the account back asking for an update and received auto message saying no response would be given but that this would help the investigation. 

It is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft, and I have a right to privacy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
It's extremely upsetting knowing that you have somethimg in which is reporting incorrectly to credit report, especially with it not even with your name. Portfolio Recovery Assosciates are reporting on my credit report with the name " XXXX XXXX '' and it's not my name. This erroneous reporting account has hurt my chances of acquiring credit, to buy a home and acquire a desired job for a secure and sustainable life. This collection is completely invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have been paying Nationstar/Mr. Cooper since XX/XX/XXXX. I originally had XXXX XXXX. First at closing XXXX XXXX was lender. When first payment due they switched over to Mr Cooper. I went through bankruptcy got approval to keep loan. Mr Cooper sent me a letter in XXXX saying XXXX XXXX was the new lender as of XX/XX/XXXX. I kept calling XXXX XXXX they couldn't find me in system for weeks. I had to escalate call i said do you show my account as bankruptcy? They said no. They had wrong zip code on file on day one some XXXX. They had no one assigned to me. Kept saying wait 30 days possibly. Supervisor hung up on me. Called back said what is going on i have no documentation from you. They said my lawyer should call them. Lawyer called he said they didn't have me in system. They are just as that week I spoke to attorney now sending me a letter. I said did you go through the process of bankruptcy court to change the loan? Lawyer said they have no paperwork from them. I was trying to refinance in the fall. I had a call from XXXX XXXX and did not complete the application. I sent the email showing unfinished application to my lawyer. And also email from XXXX XXXX asking me to finish my application. I think they are scamming me. Using unfinished application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXXXXXX XXXX  Made XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX Made on : XX/XX/2020 Made with : Experian

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 2021-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Brett M. Borland, P.C.
State: GA

Complaint narrative:
I received a call from a collection agency and negative reporting to my credit file for an apartment complex where I never lived. Not sure how or why my information was used. I requested a copy of the contract to see what information was directly used however have not received any of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX My name is XXXX XXXX XXXX am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me at 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES ACT was allowing for consumer protection under the CARES act with creditor offering accomidations. I have on my XXXX XXXX XXXX XXXXXXXX XXXX # XXXX date XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status. 
I have two addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX  Please delete/remove them asap.

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 2021-12-18 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: MI

Complaint narrative:
These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts where even opened. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

My FTC report is included. 
The report number is : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Please remove any inquires that have no account or is shown as duplicate. My credit file needs to be up to date 100 % accurate no inaccuracies or else you went against the law.

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 2021-12-18 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: MI

Complaint narrative:
These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts where even opened. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

My FTC report is included. 
The report number is : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Please remove any inquires that have no account or is shown as duplicate. My credit file needs to be up to date 100 % accurate no inaccuracies or else you went against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: CT

Complaint narrative:
Hello, I emailed 2 letters to TransUnion regarding the XXXX XXXXXXXX XXXX XXXX  ) inquiry for XX/XX/2021. This inquiry is not mine and should be deleted.

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