vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021, due to XXXX I was unable to make that payment. As soon as I was able to, I got my account caught up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Date opened XX/XX/XXXX Balance : {$590.00} Late open XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$2400.00} Late Open

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
I am writing today in regards to my account with Loan Depot account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to XXXX I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am an authorized user of XXXX XXXX XXXX XXXX ending in XXXX paid off infull with XXXX balance. Not reported by the three credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act. 

In Addition, Penfed credit Union overdraft is also paid infull with XXXX balance for account ending in XXXX. Not reported by the three credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act. 

As a result, my recredit report is incorrect and inaccurate.

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 2021-11-25 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 — Problem with personal statement of dispute
Company: AFNI INC.
State: MI

Complaint narrative:
I have submitted a dispute complaint with XXXX, XXXX XXXX, XXXX in regards to a account that is not minds and the account is reporting 3 different balances due. the company did properly investigate the matter. the only remarks on my credit report was the balance updated to the same amount and also dispute resolved. the did not follow the proper investigation per the FCRA,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: WI

Complaint narrative:
XXXX XXXX clearly states they ordered EQUIFAX to REMOVE all comments INCLUDING " CONSUMER DISPUTES AFTER RESOLUTION '' and EQUIFAX has not adhered nor respected this. Surprisingly XXXX and XXXX have both already made the correct updates, but Equifax has not executed these changes. I demand Equifax take the proof I am submitting AGAIN & REMOVE ALL COMMENTS AND STOP ADDING NEW ONES : Consumer Disputes- Reinvestigation in Process Consumer Disputes After Resolution The only thing this account should say are the ORIGINAL COMMENTS : CLOSED PER CONSUMER. IDK XXXX XXXX XXXX or any of these credit bureaus put notes on an account I NEVER disputed and that has been archived for years. These people just like to make people 's lives XXXX & disrupt their livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am an authorized user of capitalone quick silver MasterCard ending in XXXX paid off infull with zero balance. Not reported by the XXXX credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act. 

In Addition, XXXX XXXX XXXX overdraft is also paid infull with zero balance for account ending in XXXX. Not reported by the XXXX credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act. 

As a result, my recredit report is incorrect and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: NY

Complaint narrative:
I am an authorized user of XXXX XXXX XXXX XXXX ending in XXXX paid off infull with zero balance. Not reported by the XXXX credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act.

In Addition, Penfed credit Union overdraft is also paid infull with zero balance for account ending in XXXX. Not reported by the three credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act.

As a result, my recredit report is incorrect and inaccurate.

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 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: Nelnet, Inc.
State: DE

Complaint narrative:
XXXX and XXXX is incorrectly reporting that all 20 of the closed federal Dept. Of Education account were late on the same exact dates of XX/XX/XXXX thru XX/XX/XXXX which is impossible. I never had 20 student loans with the Dept. Of Education. Secondly, the loans were all not applied for at the same time frame. The loans I applied for were all in separate semesters, I never took out more then 1 loan at a time. I don't believe its possible to receive 20 loans at the same exact time. All 20 accounts have the exact same account number which is not possible, so I'm being penalized for being late on one student loan account 20 time which is gravely hurting my credit. Which I was never late because they were all deferred and are still deferred so I couldn't of missed any payments because they were never due!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax furnished unknown inquiries on my consumer report without permissible purpose. In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ). I am exercising my right to challenge questionable information that I do not recognize the information listed in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: OPORTUN FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX FAILED TO PULL XXXX AND NOW MY CREDIT FILES ARE BLOC KED. THEY HAVE BOTH COLUTED AS DECEPTIVE AND VIOLATED FCRA 15 U.S.C. SECTION 1681g DODD FRANK ACT ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are a few accounts on my report I do not recognize.

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 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Unauthorized and unknown inquiries are being furnished on my consumer report. 
In accordance to the Fair Credit Reporting Act Section 611 ( 15 U.S.C 1681i ) I am exercising my right to challenge questionable information that, I have found on my personal credit report. I do not recognize the information listed with attachment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: GA

Complaint narrative:
I was severely impacted by inaccurate and invalidated information on my XXXX report which caused me to lose housing stability and access to my XXXX Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
In XXXX of XXXXI entered a consumer transaction with XXXX of XXXX XXXX in XXXX. 
Exeter Finance is in violation of 15 USC 1605. The finance charge is the sum of all charges however I was charged additional fees totaling XXXX. All alleged debt is confusing, deceptive and and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax furnished unknown inquiries on my consumer report without permissible purpose. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C 1681i ). I am exercising my right to challenge questionable information that I do not recognize the information listed in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery made several false and misrepresenting information. Stated once I pay the debt it would be marked as paid and closed and after about XXXX days would be marked for deletion. However, this is not correct. They also say once they update it, it's up to the credit reporting agency to update it. After reaching out to several of them via XXXX and CFPB, it was clearly noted that once the data is received it is immediately processed and updated. Please refer to the complaint XXXX which clearly stated such from XXXX, XXXX, and XXXX. Also, I am providing a copy to show that not only did they lie and be deceptive, they intentionally did so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX made several false and misrepresenting information. Stated once I pay the debt it would be marked as paid and closed and after about 30 days would be marked for deletion. However, this is not correct. They also say once they update it, it's up to the credit reporting agency to update it. After reaching out to several of them via XXXX and CFPB, it was clearly noted that once the data is received it is immediately processed and updated. Please refer to the complaint XXXX which clearly stated such from XXXX, XXXX, and XXXX. Also, I am providing a copy to show that not only did they lie and be deceptive, they intentionally did so.

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 2021-11-25 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 or about XX/XX/XXXX Equifax removed my XXXX XXXX Account for now reason. XXXX XXXX  does report to Equifax and Equifax has been reporting the account from XX/XX/XXXX, when the account was opened, up until XX/XX/XXXX when they removed the account and stopped reporting it for an unknown reason. When asked why they removed the account and stopped reporting the account I was given the run around and never given n answer. At one time in XXXX, XXXX I was told by an agent at Equifax that the account would appear back on my Equifax XXXX XXXX within XXXX hours after she " manually '' submitted information. That never happened. I spent XXXX XXXX working with XXXX Bank trying to resolve the problem only to receive notification that Equifax was the one who removed the account, Equifax would not provide a reason to them why the account was removed, and that I would have to work with Equifax to resolve the reporting problem, which I did up until about a week ago. My XXXX Bank XXXX account regularly reports to my other Credit Profiles XXXX XXXX and XXXX in a timely manner. I have also recently has problems with Equifax inaccurately reporting several other accounts on my Equifax file. However, this is the one that most affects my credit score since it is an open, active account that is always paid on time and in full. I have sent Equifax documentation that the account is a valid account open, and in good standing several times over the past XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: DE

Complaint narrative:
Transunion  and XXXX is incorrectly reporting that all 20 of the closed federal Dept. Of Education account were late on the same exact dates of XX/XX/XXXX thru XX/XX/XXXX which is impossible. I never had 20 student loans with the Dept. Of Education. Secondly, the loans were all not applied for at the same time frame. The loans I applied for were all in separate semesters, I never took out more then 1 loan at a time. I don't believe its possible to receive 20 loans at the same exact time. All 20 accounts have the exact same account number which is not possible, so I'm being penalized for being late on one student loan account 20 time which is gravely hurting my credit. Which I was never late because they were all deferred and are still deferred so I couldn't of missed any payments because they were never due!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: DE

Complaint narrative:
XXXX and Experian is incorrectly reporting that all XXXX of the closed federal Dept. Of Education account were late on the same exact dates of XX/XX/XXXX thru XX/XX/XXXX which is impossible. I never had XXXX student loans with the Dept. Of Education. Secondly, the loans were all not applied for at the same time frame. The loans I applied for were all in separate semesters, I never took out more then XXXX loan at a time. I don't believe its possible to receive XXXX loans at the same exact time. All XXXX accounts have the exact same account number which is not possible, so I'm being penalized for being late on XXXX student loan account XXXX time which is gravely hurting my credit. Which I was never late because they were all deferred and are still deferred so I couldn't of missed any payments because they were never due!

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 2021-11-25 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: Accelerated Financial Solutions, LLC
State: PA

Complaint narrative:
On XX/XX/2021 I sent a certified verification letter to Accelerated Financial Services for an account totaling {$2500.00} they have been reporting on my credit report. I did not receive and response or validation of the account. I then sent a second certified on XX/XX/2021 asking again for the validation on the account and still no response. 


I have not received : XXXX. Provide a copy of the original contract that you have with the original creditor XXXX. Notarized letter of transfer of permission to collect debt XXXX. Verification that this debt was assigned or sold to Accelerated Financial Services. 
XXXX. Prove ownership of the debt/ original application for debt XXXX. How the amount is calculated/ full itemized debt from accounting/ last original billing statement XXXX. Does your firm have a debt collection license from my state? 
XXXX. Proof you have purchased the debt for the original creditor and have authority to collect on the debt. 
XXXX. If not, say why not, if so provide the date of the license, name on the license, license number and the name and address and telephone number for the state agency issuing the I have also disputed this account with XXXX and XXXX without any answers. 

I would like to also request a description of the procedure used to determine the accuracy and completeness of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: NY

Complaint narrative:
Equifax is reporting inaccurate and incorrect info on my consumer report. I tried remedying this information for more than 6 Months. this is really been a problem for me. This inaccurate info has made my life a living XXXX!

Company response to consumer: Closed with explanation