vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 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: VA

Complaint narrative:
I provided copies of cancelled checks to XXXX XXXX as proofs that XXXX XXXX XXXX had received on-time payments for XXXX and XX/XX/XXXX and requested XXXX XXXX remove false statements initially reported as missed, and 30 days late for XX/XX/XXXX. I also requested that all reports of missed and late payments filed with the bureau by XXXX XXXX XXXX after the sale of the property in XX/XX/XXXX, and closure of the account in XX/XX/XXXX be removed and the credit report and score corrected. 
Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX filed several missed and late payments. On XXXX XX/XX/XXXX XXXX XXXX decreased the credit score " 77 '' points. On XXXX XX/XX/XXXX the bank removed the missed payments and added new late payments and XXXX XXXX increased the credit score by " 1 '' point. 
On XXXX XX/XX/XXXX XXXX XXXX XXXX reported additional missed payments and XXXX XXXX continues to accept false statements despite the fact the bank reported the account closed to the bureau on XXXX XX/XX/XXXX. To date, neither the bank or the credit bureau has made a conscious effort to correct the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: VA

Complaint narrative:
I provided copies of cancelled checks to XXXX XXXX as proofs that XXXX XXXX XXXX had received on-time payments for XXXX and XX/XX/XXXX and requested XXXX XXXX remove false statements initially reported as missed, and 30 days late for XX/XX/XXXX. I also requested that all reports of missed and late payments filed with the bureau by XXXX XXXX XXXX after the sale of the property in XX/XX/XXXX, and closure of the account in XX/XX/XXXX be removed and the credit report and score corrected. 
Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX filed several missed and late payments. On XXXX XX/XX/XXXX XXXX XXXX decreased the credit score " 77 '' points. On XXXX XX/XX/XXXX the bank removed the missed payments and added new late payments and XXXX XXXX increased the credit score by " 1 '' point. 
On XXXX XX/XX/XXXX XXXX XXXX XXXX reported additional missed payments and XXXX XXXX continues to accept false statements despite the fact the bank reported the account closed to the bureau on XXXX XX/XX/XXXX. To date, neither the bank or the credit bureau has made a conscious effort to correct the credit report.

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 2021-02-19 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: TX

Complaint narrative:
no activity on this account since XX/XX/2019. Reporting only on my Equifax. Called creditor @ XXXX. The creditor shows 2 active accounts for me, but none of which are with crescent any more. The account is outsourced to XXXX XXXX contact number, no good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
LexisNexis provides information to the different credit reporting agencies regarding public records, and background checks. LexisNexis is reporting a chapter XXXX bankruptcy on my report from XXXX which is now reporting on my three credit reports, and is ruining my credit. I have made dozens of attempts to correct this information, unfortunately LexisNexis is refusing to help me. They have only provided me a letter stating there " research '' shows it is correct. There " research '' is incorrect. 

First and foremost I filed chapter XXXX bankruptcy in XXXX, Federal Law prohibits filing chapter XXXX again within 8 years. So what they are claiming isn't even legal. In addition to this I also received a letter from the Superior Court of XXXX ( the same court, they are claiming this BK was filed in ) that letter clearly states it is an error, and goes into detail regarding the same Federal Law mentioned above. 

I will say in there defense the chapter XXXX is real, however it is my ex wife 's chapter XXXX so I can see how they are confused. But I believe considering the law, and the evidence I have provided them I believe they need to correct there error. And provide an update to all three credit bureaus. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Sallie Mae keeps harassing my family and my boyfriend. Not only is this embarassing but the customer service representative can't even pronounce my last name properly. They called so many times that XXXX thinks it's a spam caller. This is a pandemic, I have not been working since XX/XX/2020 and can not find a job that will hire me. I don't know how they got my brother 's cell phone # or my boyfriend 's phone # after explaining my situation. I don't have much source of income and struggling with health condition. I need this to stop, I do receive letters and can barely make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: MN

Complaint narrative:
There was a XXXX  account that went to collections XXXX of 2018. It was removed than reported as recent which is not true. This is hurting my score a lot

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 2021-02-19 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. XXXX/DSNB ( Date opened XX/XX/2016 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX/DSNB has violated my rights as a consumer and I requesting legal action to remove this account 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 2021-02-19 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: ERC
State: MN

Complaint narrative:
There was a XXXX  account that went to collections XXXX of 2018. It was removed than reported as recent which is not true. This is hurting my score a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I dispute a charge made for on XXXX XXXX on my citibank credit card because I never received item.On XXXX Item was damaged when driver came to deliver item was sideways no upright and dent and scratches etc. I called seller they said don't accept it because of damage and they did not ship it sideways like in Pictures I sent them. They emailed me stating they issued a full refund. On XXXX I called citibank told them situation about no getting a a refund for XXXX customer service instructed me to contact seller again to get refund and if they do not call back and open a dispute. I called seller they said sorry about refund and they will process it and they don't know why it didn't get processed earlier.. after waiting for refund and not receiving it I called citibank and made dispute stating I never received item because it was damaged. I sent them proof that I did not accept item because of damage and Pictures showing item sideways on pallet with damage. So I was charge of item that I never took possession of and sent proof to citibank of item not accepted because of damaged from shipping company bill of landing and Pictures showing item sideways. I thought there was credit card protection from things like this.if you need any more information Pictures and proof I did not receive item I can email it to you

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 2021-02-19 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA ( Date opened XXXX XXXX, 2016 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account 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 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MO

Complaint narrative:
On XX/XX/2021 my taxes was split between my two companies I work with credit karma and XXXX XXXX with XXXX XXXX everything went fine with credit karma who i have worked with over 3 years put a temporary hold on my account holding up XXXX when call they say nothing is wrong can use card so went to try use got denied called again again told was fine but would escalate to proper dept. went to XXXX used atm it confirmed XXXX in account but was again denied a XXXX withdraw this company keeps giving me the run around and there are many having the same issue please help get them to release are money i even asked if could be sent to another account they said only i can do that know it wont let me in account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: NC

Complaint narrative:
On XX/XX/21, I requested a credit freeze online. I provided the Core Logic a copy of my driver 's license as well as secondary information verifying my identity. I also informed them that if they failed to initiate freeze I would contact governing authorities who regulate them. 

Instead of doing the freeze as I requested, the company sent a letter by mail saying they could not do the freeze and that I need to fill out an application. I do not need to do anything, they have never asked me to verify anything before they created an account with my name, without my permission. 

I want full legal relief. I want my account frozen immediately. I am happy to verify my identity to the CFPB and then you instruct Core logic to follow the law and put a credit freeze on my account. I will not send Core Logic anything as I have already done so online. Not wasting my time with them. 

If possible please investigate Core Logic business practices as a whole and place a moratorium on this company 's operations

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 2021-02-19 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: OH

Complaint narrative:
I RECEIVED A DEBIT CARD IN THE MAIL I DID NOT APPLY FOR, I AM CONCERNED ABOUT SOMEONE TRYING TO STEEL MY PRIVATE INFORMATION, THERE USING MY NAME AND MAILING ADDRESS INFORMATION .I CALLED US BANK RELICARD SERVICES BUT THEY WERE OF VERY LITTLE HELP, I HAD MY PRIVATE INFORMATION STOLEN ONE TIME AND IT WAS A VERY BAD SITUATION FOR ME, I HEARD ABOUT THIS HAPPENING BEFORE WITH THE SAME COMPANY, I HOPE SOMETHING CAN BE DONE ABOUT IT ... ... ... ... ... ... ...

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 2021-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
am writing this in regards to the financial hardship that I am experiencing due to my student loans reporting on my credit report. I am unable to buy a home, although I am not in default, and I have been granted loan forbearance until the year 2025. I am requesting that the loans reporting, to my credit report be removed from my credit report. I am in the process of disputing these loans using the borrowers defense claim. I am in review, until 2025, these loans being reported to my credit report, violates the fair credit reporting act, and I am asking that they be removed immediately, until my borrowers defense claim is complete and a decision is made.

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 2021-02-19 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: MO

Complaint narrative:
am writing this in regards to the financial hardship that I am experiencing due to my student loans reporting on my credit report. I am unable to buy a home, although I am not in default, and I have been granted loan forbearance until the year 2025. I am requesting that the loans reporting, to my credit report be removed from my credit report. I am in the process of disputing these loans using the borrowers defense claim. I am in review, until 2025, these loans being reported to my credit report, violates the fair credit reporting act, and I am asking that they be removed immediately, until my borrowers defense claim is complete and a decision is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
am writing this in regards to the financial hardship that I am experiencing due to my student loans reporting on my credit report. I am unable to buy a home, although I am not in default, and I have been granted loan forbearance until the year 2025. I am requesting that the loans reporting, to my credit report be removed from my credit report. I am in the process of disputing these loans using the borrowers defense claim. I am in review, until 2025, these loans being reported to my credit report, violates the fair credit reporting act, and I am asking that they be removed immediately, until my borrowers defense claim is complete and a decision is made.

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 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo bank denied a claim on a cancelled order. I never received my merchandise and have been unable to contact the seller due to covid. I have lost {$400.00} and now can not afford my rent.

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 2021-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
I got notification through my bank about negative activity on my credit report this morning. This is the first I known about this debt. I received no communication in regards to this. I called the third party collection agency, and my address they have on file is incorrect and they stated they called me on XXXX at XXXX I pulled my phone records for that day and I received no calls from the numbers they provided. I asked to speak to the manager his name was XXXX would not provide last name. I asked him that I could email him my utility bill as well as phone records for that day. He was not pleasant and said it would not make a difference. I asked him to pull the phone call if they are recorded and said I would have to subpoena it. I did some research and it was a medical bill for {$98.00} and they charged additional {$100.00} to collect the debt with recurring interest. The medical office also had incorrect address on file. I was never aware of this bill. Its not my character to neglect my bills. I have perfect credit and never missed a payment for the last 25 years. This third party collection agency is unreasonable. 
Companys name Plus Four Inc XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
I was notified of a collections account that was added to my credit report. Upon opening the app, I saw that Debt Recovery Solutions had placed an {$800.00} collections balance on my credit for a supposed payday loan from 2018. 

I was completely unaware of this debt. I have moved a couple times, and each time, I have proof that I submitted a proper change of address form and mail forwarding form. I never received any written notice of this debt, nor did I ever have a chance to dispute it. 

Immediately upon learning of this debt, I called DRS and disputed it verbally over the phone, fearing that I have been the victim of identity theft. I gave them my new address, which they now have sent me documentation claiming it validates the debt. The documentation has the incorrect address and phone number on it. It also has my last name listed as " XXXX, '' which I have never identified myself in this manner. 

Had I been notified of this debt, I would have disputed it and dealt with it prior to it being reporter to my credit. This is unprofessional and unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
RE : SYNCHRONEY BANK BP VISA Dear Synchrony Bank : I had inquired about my BP visa card being over the limit. I made a payment on the XXXX which is my billing end date and the account was over the limit. I am requesting you update my credit card balance and dispute my account. You must list my account " disputed by consumer '' Failure to do so will constitute a violation of the FCRA. 

My credit score went down 56 points as a result of the interest charges that led my account to go over the credit limit. 

Please contact me at XXXX XXXX Sincerely , XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/21 I mailed the paper request form from XXXX requesting my credit reports from Equifax, XXXX, and XXXX. I never received my Equifax report, and they have had sufficient time to get it to me ( more than 40 days ) even with mail delays during the pandemic. My paper request form was received by the processing center on or before XX/XX/21 as I received reports from XXXX  and XXXX, both dated that day. I have received NO communication from Equifax. 

On XX/XX/21 I called Equifax to try and get this resolved, but was unable to reach a live person.

Company response to consumer: Closed with explanation