vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
Debit is listed under my dads name. XXXX XXXX 1- XXXX was my dad 2. XXXX died on XX/XX/XXXX 3 notification from national recovery advises XXXX that he owes XXXX  as of XX/XX/XXXX. He died on XX/XX/XXXX. 
4- national recovery reported on my credit report. My name is XXXX XXXX. I am not XXXX XXXX 5- as his daughter I dont inherit his debt. Although Ive tried to clear it up, but national recovery must submit reliable documentation of correct amount of debt. They have failed to do so. 
6- national recovery reports on credit report that XXXX owes {$440.00} 7- Ive asked national recovery to justify the amount owed, to no avail. 
8- I dont quite understand how the credit reporting agencies can place such a derogatory action on a consumers file without verifying the validity of the debt and the person that owes the debt. This is a serious abuse of power on the credit reporting agencies. 
Once again, my name is XXXX XXXX XXXX XXXX. XXXX Please advise. I have all documents available to substantiate my claim.

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 2022-02-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been trying to remove these 2 accounts on my credit report this entire time and yet the bureaus will not remove them. They do not belong to me and should not be reporting on my account whatsoever. They should remove this information as it is impacting my scores and the ability for me to purchase a home. I've exhausted every avenue trying to get them to remove this false information on my 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 2022-02-22 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: DE

Complaint narrative:
Submitted a complaint demanding for a debt validation letter from XXXX XXXX and was sent a deceptive contract with wrong address, license number also incorrect balance. i previously asked them to remove this account due to identity theft which i sent certified letters and i am uploading receipt to this complaint that i also sent to CRA 's with ftc form attached. I am uploading documents which shows inaccurate information being reported they have a address listed in which i never lived but on the CRA 's it is listed totally different in which i can not dispute because it is blocked by XXXX  XXXX. I will upload current license in which i have lived for XXXX  years I am demanding this account be deleted immediately. I am now sending a cease and desist and expecting all remedies be invoked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Submitted a complaint demanding for a debt validation letter from XXXX XXXX and was sent a deceptive contract with wrong address, license number also incorrect balance. i previously asked them to remove this account due to identity theft which i sent certified letters and i am uploading receipt to this complaint that i also sent to CRA 's with ftc form attached. I am uploading documents which shows inaccurate information being reported they have a address listed in which i never lived but on the CRA 's it is listed totally different in which i can not dispute because it is blocked by XXXX XXXX I will upload current license in which i have lived for 8 years I am demanding this account be deleted immediately. I am now sending a cease and desist and expecting all remedies be invoked

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 2022-02-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been trying to remove these 2 accounts on my credit report this entire time and yet the bureaus will not remove them. They do not belong to me and should not be reporting on my account whatsoever. They should remove this information as it is impacting my scores and the ability for me to purchase a home. I've exhausted every avenue trying to get them to remove this false information on my 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 non-monetary relief
Consumer complaint received 2022-02-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been trying to remove these 2 accounts on my credit report this entire time and yet the bureaus will not remove them. They do not belong to me and should not be reporting on my account whatsoever. They should remove this information as it is impacting my scores and the ability for me to purchase a home. I've exhausted every avenue trying to get them to remove this false information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: FL

Complaint narrative:
Typical deceitful bill collector. Collector told me if I set up a payment plan, would not be reported to CRA and If I don't they will hurt my credit. Also, I contact the XXXX XXXX XXXX XXXX XXXX and they have NO records of any payment due since my Insurance covered and pay all my medical expenses. They admitted their mistake and said they will send an email to americollect to retroactively fix the issue. I asked americollect to contact XXXX XXXX XXXX XXXX XXXX and they refuse to do so saying they do not contact their client. This is unfair and illegal to not rectify an issue after proof is given. Threatening me to ruin my credit over a debt That I DO NOT OWE. I seek advice from XXXX XXXX who advices me to call in which I did as stated above to the phone number ( XXXX ) XXXX and I also conducted an investigation in which according to CFBP Americollect stands at a whopping complaint rating # 182 of 2,458 companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im filing this complaint because Experian is damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly. Ive been a victim of identity theft an account was opened in my name by XXXX XXXX XXXX. The account has been removed from a XXXX on XX/XX/XXXX of XXXX and he has been removed from XXXX on XX/XX/XXXX. Admission is deletion especially if the other credit bureaus have remove this account from my credit report. I have provided all of the documentation to them such as a identity theft report, copy of my Id and police report. Experian has failed numerous of times in helping me get this matter remove. Under law 15 USC 1681 in 15 CSC 6992G, I have rights as a consumer where it protect me. Hear me out on XX/XX/XXXX of XXXX I open up a dispute with experience on the behalf of this account again, experience has felt doing their proper investigation and updated me with the account has been verified that it belongs to me in less than seven days. There was no proper documentation that was attached to this dispute as by supervisor XXXX on my call today. Immediately after open into dispute via phone with the representative I mailed that documentation to them the next day. It was confirmed over the weekend that they receive my documentations and they uploaded to the portal they open the case immediately closed it again which states on my credit report on XX/XX/XXXX to the account dispute has been modified by an Experian dispute specialist. Im asking for this matter to be escalated an account to be removed from my character report as if demanding my buying power as well as my character. 
Im very frustrated and seeking help asap. This is the only account negatively impacting my score.

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 2022-02-22 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 — Card was charged for something you did not purchase with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Hi, Per myself and Mrs/Ms XXXX 's ( excuse me if misspelling is involved ) on XX/XX/XXXX, I was told to resubmit the documentation to dispute and reconsideration my unauthorized/fraudulent activity illegal committed on my money network account resulting in my funds being stolen. 


My home was burglarized in XXXX police report # XXXX, in which the " theft '' my XXXX XXXX phone was utilized in to create a passcode with my Sim card ( which is a card in my phone that had my phones number & personal information [ is what XXXX police Sgt explained ] to utilize my full identity to autheicate me to fraudulently steal my funds. I also was a victim in XXXX of " identity theft '' in which my credit file now is required to have a " seven year '' updated fraud alert placed on it for my protection, in addition to my credit/personal information being found on the dark website as recent as XX/XX/XXXX, and as long as XXXX. 


I'm kindly requesting that my information be reviewed and money network and XXXX XXXX of the legal liaisons do their due diligence ( no offense ) in investigating my documentation and reversing my funds so my family and I can be, not recompensed, but made whole, as to our prior state when the IRS ( who has on their file the discrepancy and informed me to contact money network to be made whole ) distributed our stimulus. I will not stop, until my legal rights of due diligence are upheld, respectfully. 
( I've sent in additional Documentation yet the company will not provide a refund nor provide valid reasoning as to why my funds are being stolen with no reprimand ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a victim of the XXXX fraud activity, my checking account with Bank Of America have been linked to the XXXX digital wallet and data compromised. Funds were transferred to XXXX and account blocked to enable withdraw or reverse. 
I have opened the dispute with XXXX, but there is no help or clear respond what happening. I have opened the dispute with Bank of America, and freeze the account for investigation. However, Bank is not willing to protect my right- but saying that it is my responsibility with XXXX. I have called to the Bank to report for the suspicious activity, have called to XXXX to stop the transaction. There is no cooperation from both XXXX and Bank, but my funds are stolen wallet to wallet. As of now, I don't have access to my funds in XXXX and I never was able to reverse the transaction on Bank side. 
ACH transactions : XX/XX/XXXX = 5000USD XX/XX/XXXX = XXXX XX/XX/XXXX = 1000USD XX/XX/XXXX = 1000USD XX/XX/XXXX = 16000USD XX/XX/XXXX = 15000USD XX/XX/XXXX = XXXX XX/XX/XXXX = 15000USD

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 monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has incorrectly reported a late payment for XXXX of 2021. My vehicle and its loan was sold to the XXXX dealership as a trade in for another vehicle at the end of XXXX. The dealership paid off the loan balance in full then in XXXX I received a overpayment refund check from XXXX XXXX. The report statement is inaccurate. I have visited a branch manager who confirmed that the report is inaccurate, as well as submitted 3 disputes through both Experian and XXXX XXXX 's internal dispute center each time with more information, yet the decision has remained the same. This needs to be removed as it is illegal to report inaccurate information on my 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 2022-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank closed my Costco XXXX card on the grounds I misrepresented them in disputes against merchants. I disputed this this claim with their Executive Response Unit. By closing my account Citi avoided paying my annual cash back rewards which were approximately {$980.00}. Citi never inquired with me about my side of the experience. Furthermore they ignored any documentation I had. Its very suspicious of the timing of this closure as it came just a week before my rewards were scheduled to be paid when my statement generated. Im fine with termingating my relationship with citi as I have a 800+ FICO score and can get another cloth another bank. I NOT OK WITH CITI ILLEGALLY SEIZING MY CASH BACK REWARDS. 

Please assist me in investigating Citi and my grievance.

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 2022-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
My credit report has been negatively affected by inaccurate reporting by Shellpoint. My loan was transferred from XXXX XXXX XXXX to Shellpoint Mortgage in XX/XX/XXXX. I was in a forbearance plan with XXXX  XXXX XXXX and that forbearance plan transferred to Shellpoint. Under the forbearance plan I was not supposed to be reported as delinquent to any credit agencies. I was in constant communication with my new reps at Shellpoint, XXXX then XXXX and their Manager XXXX XXXX. My loan payments were then deferred. I made my first mortgage payment as required on XX/XX/XXXX. While in forbearance and while my loan was deferred I should not have been reported to the credit agencies as delinquent. I emailed my rep XXXX on XXXX and the manager XXXX on XXXX about the credit reporting problem. XXXX emailed back and said to email loss servicing at Shellpoint, which I did with no response. XXXX did not respond. I then called customer service on XXXX and was told to send a copy of my credit report by fax, which I did. I also saw that my customer portal for Shellpoint says : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Our systems indicate the you are currently on a forbearance plan or have been on a forbearance plan in the past. While on the forbearance plan, you are not required to make your monthly mortgage payments, you will not be assessed any late charges, and negative credit reporting has been suspended on your loan. This means you will not be marked " late '' for any suspended payments. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This statement on my portal totally contradicts what they have reported. I have been report as 120 days late to the credit agencies ( see attached ) This is my second formal complaint about this company after having an account with them for only 4 months. They are either incompetent or fradulent. 
I have asked them to fix my status with all of the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently applied for credit with 2 credit card companies. A copy of the driver 's license was sent to both companies approximately 6 times. I received feedback that they could verify my identity which I thought was strange. After speaking with a representative from one of the companies I was told that it is the credit reporting agencies that are reporting this information. It appears that they have incorrect information on file about me.

I

t is all three agencies that are reporting this false information. I am not sure why because I got a letter from one of the
companies at my home address indicating that they could not verify my identity, but they sent the letter to my home. These agencies, credit agencies, are reporting false information that is creating hardship for me. 

I want all three agencies, to correct this information and send letters to the credit card companies acknowledging their mistake. 
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 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I called my bank today which is the XXXX of XXXX and I reported fraudulent activity these are the dates and amounts that I reported XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$78.00} ( and this one I realized was not fraudulent, I remembered making this for a friend ) XX/XX/XXXX - {$830.00} XX/XX/XXXX - {$37.00}. 
Their fraud department deemed it was not fraud and closed the case!!

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 2022-02-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been reporting these accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX USA XXXX A ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX USA XXXX XXXX ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( XXXX, XXXX, and Transunion ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022

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