vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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: CA

Complaint narrative:
XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX* Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX* Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: CA

Complaint narrative:
XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX* Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019 my bill did not go through account with missed payment. I am kindly requesting. BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-02-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Every time I try to file a credit dispute on-line with the major credit reporting agencies system prevents me from doing so. For example when I click SUBMIT on Transunion 's website, I get an error message telling me the system is temporally down and to try again in a few minutes. I know the system is working because I was able to dispute an old address and telephone number. Further, there is no way the system would be down to 2-weeks and it would have been all over the news. Millions of consumers would have reported that the system has been down for over two-weeks. However, when I try to dispute items from XXXX, XXXX XXXX, various other banks and XXXX XXXX Transunion will not let me. I have been trying to dispute these items over 30 times over a 2 week period. I feel like someone is deliberately blocking my attempts to dispute these items. The supporting documents are uploaded successfully, however, the system would not SUBMIT it. Transunion has suspended my account two times in an effort to block me from filing disputes again the banks and XXXX XXXX. In addition XXXX is a third party vendor used by most credit reporting agencies as anyone can see no judgment have been reported by XXXX. This means all of the attorney fees, title fees, property inspection fees, foreclosure fees, court fees, etc. could not have been added to my alleged mortgage. These fees were commingled with the alleged mortgage making it void with legal effect. 

The file entitled credit letter II is the file that I want to use to as the supporting document to dispute the foregoing. The other attached documents as being used to further support my dispute.

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting SETF/WOFC to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX  : You've CLOSED these complaints THREE TIMES IN A ROW, WITHOUT properly vetting, verifying and reporting any final outcome : THAT'S AGAINST THE Fair Credit Reporting Act!!! Plus : I've SPECIFICALLY ASKED YOU NOT TO CLOSE THIS COMPLAINT, NOR the other two before this. I will be forwarding THIS too, to my counsil, your operations department at you headquarters, and social/non social media. Your FTC case number is : XXXX XXXX  : Last week I filed a formal complaint through your escalations team ( Task Force ) at your CORPORATE OFFICE. Why you've closed this complaint BEFORE they've reached THEIR findings, is beyond me. You probably didn't even know that a formal complaint was filed at corporate??? ... I also filed your inability to remove things that are NOT mine, INCLUDING an UNATHORIZED UNDISCLOSED PERS ON on my credit report, that PROHIBITS YOU from removing any UNAUTHORIZED persons or things ( like fifty inquiries from the year 2020 ) doesn't even make sense to a child!!! I've also filed a report with the FTC about you : XXXX. So : 'YES ' ( XXXX ) YOU DO HAVE MY PERMISSION TO INVESTIGATE AND ERASE ANY PERSON 'S NAME REQUESTING AN INQUIRY, OTHER THAN MYSELF : XXXX XXXX XXXX Or if it's without the hyphen ( dash XXXX it'll be : XXXX XXXX ( with both last names ran together ). You're continuing to break the LAW allowing for ANYONE other than myself to even be ON MY CREDIT REPORT!!! 

TransUnion : Thank you for investigating all the year 's 2020 inquiries. Thank you for not only abiding by my wishes, but for doing your best to UPHOLD THE LAW!!! You were NOT reported to the FTC. Nor were you reported to any of your corporate offices.

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 2021-02-22 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: WA

Complaint narrative:
XXXX  : You've CLOSED these complaints THREE TIMES IN A ROW, WITHOUT properly vetting, verifying and reporting any final outcome : THAT'S AGAINST THE Fair Credit Reporting Act!!! Plus : I've SPECIFICALLY ASKED YOU NOT TO CLOSE THIS COMPLAINT, NOR the other two before this. I will be forwarding THIS too, to my counsil, your operations department at you headquarters, and social/non social media. Your FTC case number is : XXXX EQUIFAX : Last week I filed a formal complaint through your escalations team ( XXXX XXXX ) at your CORPORATE OFFICE. Why you've closed this complaint BEFORE they've reached THEIR findings, is beyond me. You probably didn't even know that a formal complaint was filed at corporate??? ... I also filed your inability to remove things that are NOT mine, INCLUDING an UNATHORIZED UNDISCLOSED PERS ON on my credit report, that PROHIBITS YOU from removing any UNAUTHORIZED persons or things ( like fifty inquiries from the year 2020 XXXX doesn't even make sense to a child!!! I've also filed a report with the FTC about you : XXXX. So : 'YES ' ( Equifax XXXX YOU DO HAVE MY PERMISSION TO INVESTIGATE AND ERASE ANY PERSON 'S NAME REQUESTING AN INQUIRY, OTHER THAN MYSELF : XXXX XXXX XXXX Or if it's without the hyphen ( dash XXXX it'll be : XXXX XXXX ( with both last names ran together XXXX. You're continuing to break the LAW allowing for ANYONE other than myself to even be ON MY CREDIT REPORT!!! 

TransUnion : Thank you for investigating all the year 's 2020 inquiries. Thank you for not only abiding by my wishes, but for doing your best to UPHOLD THE LAW!!! You were NOT reported to the FTC. Nor were you reported to any of your corporate offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2018 my bill did not go through account with missed payment. I am kindly requesting XXXX/XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WFDS XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-02-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX Balance : {$0.00} WFDS XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting WELLS FARGO BANK CAR to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-02-22 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: CA

Complaint narrative:
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery associates keeps calling me even though I have disputed the accounts several times for fraud. I was a victim of domestic XXXX and my ex spouse opened the accounts without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} CALIFORNIA BUSINESS BU ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX*XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1200.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I'm XXXX yr old on SS.. 
Purchased home in XXXXmade monthly payments on time.Through XXXX  XXXX XXXX XXXX 
Select Portfolio Servicing has it now.

Got a 2nd mortgage a few years ago.

Got behind on paying and it worse after C19..no work.. 

I never miss my payment on original mortgage. 

Foreclosing on XXXX. 

I can pay XXXX a month on it to catch up while paying my regular payment. 
I live along and need help with this Thanks XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: CA

Complaint narrative:
XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-02-22 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
I graduated school in XX/XX/XXXX with a balance of {$25000.00} +/- a few hundred dollars. I wasn't able to make the full payments to my loan servicer XXXX Sallie Mae then Navient ), and was granted several forbearances. I eventually was entered into an income driven plan. I have all the payment history printed from Navient. I have paid over {$16000.00} in the last 10 years and I still owe {$24000.00}. I have been making payments every month even with the government forbearance. I feel there is no way to ever pay these loans off. I would like someone to look over my loans. I have six different federal loans for my XXXX programs from XXXX. 
I would also like to know how my XXXX tax statement says that I paid in {$2300.00} in interest when according to their website, I have only paid in {$370.00}. Does that mean that while there is a government forbearance that they are still collecting interest? Any help would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
XXXX XXXXXXXX Balance : {$0.00} CAVALRY PORT XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$1200.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
On XX/XX/2020, I requested a cease and desist of telephonic contact, via auto-dialer or other means. On XX/XX/2020 at XXXX ET, Suburban Credit contact me in violation of my cease and desist and using an auto-dialer. This is in violation of my rights, and I thought we had reached an agreement that the debt was uncollectable. However, I received a collection letter last week attempting to collect on the full balance. 

Aware that my FDCPA claim will be beyond the statute of limitations in a month, I think this is very suspicious and questionable timing. I am requesting relief through this portal as a last-ditch effort before suing Suburban Credit.

Company response to consumer: Closed with explanation