vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 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: NJ

Complaint narrative:
Hi, I am writing this complaint because I recently looked at my credit report and seen accounts that I have no recollection of. I tried contacting the credit reporting agencies about these errors but nothing is being done and no proof is being shown about the validity of these accounts. I know there are credit reporting act procedures that should be taken when identifying inaccurate accounts of someone's credit report, specifically Section 611 in the FCRA where I have the right to request the method of verification. Also Section 607 in the FCRA that states all accounts should report as accurate as possible. The date last active and the date of last payment do not match. Please investigate and delete the accounts I have listed that do not represent verifiable accuracy. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TX

Complaint narrative:
I started the dispute process on XX/XX/2020 sending a total of XXXX letters to TransUnion about every XXXX days. There is a closed collection item on my credit report from an apartment complex ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ) that is reporting inaccurate information. TransUnion has repeatedly stated the item has been verified as accurate from the furnisher. I have several notices from the company stating this. So around XXXX I reached out to the furnisher and asked them for all of the information pertaining to the account, per their request. What I received differs in more than one aspect on TransUnion credit report. They have been reporting multiple things incorrectly including the balance. I sent TransUnion proof of this information and they have done nothing. Well, they did update the balance XXXX days after they said it was verified as accurate. And once they updated it, it was still wrong. I feel my rights are being violated. They said they verified it as accurate then realized it wasn't correct and instead of removing the inaccurate data they updated it and it was still incorrect. Is this Fraud? I've kept track of everything and can send all of my letters, proof of receipts and all of their responses as well. I have copy of my credit reports for each month since XX/XX/2020 where I can show theyve made updates after stating they verified as accurate.

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 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mountain Run Solutions, LLC
State: GA

Complaint narrative:
Company : MOUNTAIN RUN SOLUTIONS LLLC Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX Balance : {$650.00} A negative credit item from XXXX, such as a charge-off should not remain on my credit report for more than 4 years from the date of first delinquency. The MOUNTAIN RUN SOLUTIONS LLC collection agency that may must comply with that same date for the charged-off account. 

This clearly means the debt collector such as MOUNTAIN RUN SOLUTIONS LLC reports the date of first delinquency XX/XX/2019 to the credit bureaus and the original creditor previously reported an date than is more then 9 years since the last reported collection bill from monotronics and first delinquency. The XX/XX/2019 date must be the same date of first delinquency. The date of first delinquency is what determines when the tradeline should be removed from your credit reports. 

The date of first delinquency is based off the first time of the missed payment and no other payments were made which lead to the account being put in charge-off status approximately 180 days later. The states statute of limitations on the debt is 4 years. Any different date constitutes illegal re-aging.

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 2021-01-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
RECEIVED A NOTICE FROM MY COMPANY HR DEPARTMENT THAT AN UNEMPLOYMENT CLAIM HAD BEEN FILED AGAINST MY NAME AND SS NUMBER LAST WEEK

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 2021-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Contacted XXXX in XXXX of 2020 to notify them of the fraudulent account, this account was not opened or authorized by myself. Account is being reported as closed but charged off with a balance that is over due and late. As of today XXXX continues to report this negative and inaccurate information to my personal credit report, damaging my credit and further intensifying the financial burden and stresses as a result of covid - 19. This information was previously disputed by Equifax and removed, yet Equifax continues to allow this inaccurate information to report again without blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TX

Complaint narrative:
I started the dispute process on XX/XX/2020 sending a total of 6 letters to Equifax about every 35-40 days. There is a closed collection item on my credit report from an apartment complex ( XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ) that is reporting inaccurate information. Equifax has repeatedly stated the item has been verified as accurate from the furnisher. I have a notice from the company stating this. So around XXXX I reached out to the furnisher and asked them for all of the information pertaining to the account, per their request. What I received differs in more than one aspect on Equifax credit report. They have been reporting multiple things incorrectly including the balance. I sent Equifax proof of this information and they have done nothing. Well, they did update the balance 60-90 days after they said it was verified as accurate. And once they updated it, it was still wrong. On top of that I never received a notice of them updating my credit report. It was just updated on report without notice. I feel my rights are being violated. They said they verified it as accurate then realized it wasn't correct and instead of removing the inaccurate data they updated it and it was still incorrect. Is this Fraud? I've kept track of everything and can send all of my letters, proof of receipts and all of their responses as well. I have copy of my credit reports for each month since XX/XX/2020 where I can show theyve made updates after stating they verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I had been collecting unemployment benefits from the state of Arizona for the majority of 2020. I would have my benefits paid weekly onto a Bank of America debit card issued by the state of Arizona. On approximately XX/XX/2020 my debit card from Bank of America was closed without warning. There was the amount of {$1400.00} in funds remaining on the card. I have made numerous calls to B of A as well as Arizona XXXX. Both of them say the other is to blame but neither of them want to take responsibility and return the money to me. 

Can you help me get my money back?

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 2021-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Hi My Name is XXXX XXXX XXXX & my Wallet has went missing & now I'm getting strange mail @ XXXX XXXX XXXXXXXX XXXX XXXX  with the Name : XXXX XXXX XXXX. So I believe he stole my wallet. It had my D.L. & S.S. Card in it. The mail is about a Vehicle XXXX & XXXX XXXX phone. So it seems this guy is using my info somehow to finance his expenses. Please forward this info to the proper departments immediately. THANK YOU VERY MUCH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I've sent XXXX letters to XXXX ( National Credit Systems ) to verify a debt they are reporting on my credit. All XXXX credit bureaus were reporting different balances and I did not recall having this alleged balance they noted. The company sent me a letter on XX/XX/2020 stating the balance owed was {$5000.00}. They also sent a balance sheet. which didn't align to this. Then on XX/XX/2020 they sent a letter stating the balance was {$4600.00}. Both amounts did not align to the balance sheet. They could not provide a correct amount while at the same time verifying inaccurate balances with the credit bureaus ( at least that is what the bureaus said when they said they verified the debt ). Why would this company send me XXXX different letters with XXXX different amounts and also include a balance sheet that does not line up to the amounts in these letters. Is this fraud? Can they do this? I feel my rights are being violated here. 
I also asked them to provide me proof of this debt including that they have a right to collect and the appropriate licenses in my state. I also never received notice from them when they took this account over so that I could dispute it initially. So many rights have been violated here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My account was closed on XX/XX/2020 due to suspected fraud. I still have not received back the funds that were left on the card of {$120.00}. Unemployment agency has also tried to deposit XXXX payments of {$480.00} on XX/XX/2020 totaling {$960.00} onto that card but the account is still closed and never resolved.

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 2021-01-14 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:
As a victim of a long string of identity theft, I have learned that Equifax is not only responsible for a great deal of these incidents that have essentially ruined my financial life, ( which in turn makes every other aspect of life stressful and detrimental to my health, ) they also seemingly need more than just the dispute process numerous times to make an account proven to be fraudulent and removed from everywhere else, go away. 

I had a collection account falsely issued to my credit and after disputing with documentation to all the bureaus and then CFPB, I finally made progress. Except with Equifax. It still remains. It was a XXXX credit card opened sometime in XXXX that was reported on my reports in the midst of the pandemic and economic crisis of XXXX as a charge off and now collections. As of several months ago it was finally removed on every other report and actually shows as current on Equifax. Yet, still right now, it also says charge off. 

I have lost my opportunity for funding through the XXXX due to my credit score THAT EQUIFAX IS SOLELY RESPONSIBLE FOR! I was an accident XXXX months ago and had the hardest time getting another car because of EQUIFAX!! This is criminal!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express added on features products that I did not activate or agreed to, such as pay overtime features ect. The XXXX XXXX XXXX XXXX made errors to billing statements as in my billing statements they made an error of over charging me a new balance charge of {$4400.00} from a XX/XX/ pay overtime in which my pay overtime balance should have been XXXX balance and by them not correcting the error it continue to accrued excessive APR -interest rate fees from XX/XX/ until the present, which is falsely wrong, therefore I have been paying interest fees and false late fees on a false balance for over 2 years. This is an over payment on a false billing statement balance. Due to American Express arbitration policy and due to their error Im due for statutory damage payment of {$5000.00} dollars. Im asking for them to settle, because Im really taking the loss in the amount they made in error and applying false late fees that triggered increase in APR rate fees.please review the XX/XX/XXXX threatening letter for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: NC

Complaint narrative:
THE INVESTIGATION TOOK LONGER THAN 30 DAYS PLUS I HAVE NOT RECEIVED ANY UPDATED ON THE DISPUTES.

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 2021-01-14 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: CA

Complaint narrative:
I've filed a dispute by mail to Experian on XX/XX/2020 regarding alleged collection account creditors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Experian has not properly investigated this creditor as they claim it has been verified. Pursuant FCRA 623 I'm demanding this account be properly reinvestigated and removed from my credit report and file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: OH

Complaint narrative:
This is the second time I have a complaint about this account XXXX XXXX XXXX # XXXX I have never had any contracts or account with this companyI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further, remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.

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 2021-01-14 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: LA

Complaint narrative:
On XX/XX/XXXX I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to TransUnion certified mail. 

I didn't hear back so I called on XX/XX/XXXX & XX/XX/XXXX with no help. I even kept offering my certified tracking number. It has been sent but Transunion kept telling me they dont have & were rude. This is sad and I still haven't even heard back from these Companies yet.

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 2021-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates, LLC, XXXX XXXX XXXX, XXXX, VA XXXX. Claims I owe {$230.00}. but when I asked them to further verify the debt since I believe I paid the original creditor in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: IL

Complaint narrative:
I am making a formal complaint that Transunion, XXXX, and XXXX  are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following addresses do not belong to me nor have they ever belonged to me : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I am so confused as to why they continue to NOT erase these addresses from my credit file, even after I have sent in notarized proof of my address. this is how other erroneous information can be attached to my credit file. I have written them on 2 separate occasions asking them to correct this very serious error in reporting. However, all they have done is stated that my file is Updated without deleting the other false addresses. Can you please help Please delete this misleading information, and supply a corrected credit profile.

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 2021-01-14 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: IL

Complaint narrative:
I am making a formal complaint that XXXX, Equifax, and XXXX  are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following addresses do not belong to me nor have they ever belonged to me : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX I am so confused as to why they continue to NOT erase these addresses from my credit file, even after I have sent in notarized proof of my address. this is how other erroneous information can be attached to my credit file. I have written them on 2 separate occasions asking them to correct this very serious error in reporting. However, all they have done is stated that my file is Updated without deleting the other false addresses. Can you please help Please delete this misleading information, and supply a corrected credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
We have called several times for arrangement on our car payment and setup a deferment signed and dated XX/XX/XXXX and returned through email like requested. Fifth third claimed they did not receive so we resubmitted another document on XX/XX/XXXX. XX/XX/XXXX I spoke with XXXX at Fifth Third Bank about Covid hardships and they setup us up for a 3 month deferment. I signed and dated all paperwork the same day and emailed it back. I was assured that they received the email and We were told that our payment would not be due again until XX/XX/XXXX. I have all documents. They then sent out a repo truck and repoed our vehicle XX/XX/XXXX.

Company response to consumer: Closed with explanation