vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 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: NJ

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-16 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: WA

Complaint narrative:
XXXX is reporting incorrect information to my credit report. I have automatic payment setup on this account and they are showing I was late on XX/XX/2021. 
-Date of last payment is incorrect on all three credit bureaus.

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 2022-03-16 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: WA

Complaint narrative:
XXXX is reporting incorrect information to my credit report. I have automatic payment setup on this account and they are showing I was late on XX/XX/2021. 
-Date of last payment is incorrect on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: WA

Complaint narrative:
XXXX is reporting incorrect information to my credit report. I have automatic payment setup on this account and they are showing I was late on XX/XX/2021. 
-Date of last payment is incorrect on all three credit bureaus.

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 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
The GoodYear Credit card from Citi fails to secure customers ' online account security and privacy. It did not implement 2 step/factor authentication, and therefore the site is vulnerable to unauthorized access. My repeated secure messages requesting implementation of XXXX have been neglected and appeared to have refused. Only standard XXXX  responses have been to call, as if that is holding off the security status of the online account.

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 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I received no notice to my address XXXX XXXX XXXX XXXX XXXX CA XXXX despite a USPS address change after I moved on XX/XX/XXXX regarding an unpaid balance. It wasnt until I downloaded my credit report on XX/XX/XXXX and saw the derogatory marks that I immediately paid the overdue balance from XXXX XXXX. If I had received a notification, I would have paid immediately as the balance was only {$29.00}. 

I also have an active account with them and have had an active account for years, set on autopay, so the fact that they werent sending me billing notifications via mail or email is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
capitalone refuses to delete this fraudulent account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: VA

Complaint narrative:
This is not my debt. I do not claim this debt. 


Attended XXXX  in 2016 using VA benefits via the XXXX XXXX 
The VA has an accurate record of payment to XXXX for the time attended. 

XXXX sent erroneous data to Maryland XXXX XXXX XXXX which ultimately showed on my credit report as the following : - {$2500.00} reported on XX/XX/2016 - {$2700.00} reported on XXXX/2016 XXXX sends accounts to MD  XXXX after a 3 month delinquency. Someone can not obtain this amount of debt against them 4 months apart when a student obviously can not sign up for more classes in a delinquent/collections status. 


Additionally, {$320.00} seems to have been withheld from me via XXXX because MD XXXX has filed a garnishment against me through the Treasury Department 's Offset Program. 
I received *no* mail correspondence from MD  XXXX prior to this action being taken against me. 


XXXX and MD  XXXX did not reach out or respond to any attempts to correct the incorrect data on my credit report after the data was disputed multiple times. 
XXXX received their payment in full and in a timely manner from the VA for services rendered. Nothing should be filed against me at this time. 


I do not owe MD XXXX any amount stated above. This is not my debt. I do not claim this debt.

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 2022-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I took out a loan with XXXX  back in XXXX when I was XXXX in Alaska to purchase my used XXXX XXXX XXXX. I've had issues with them a few years back while I was in XXXX and haven't been able to reach them since. I've been making all these payments and have no idea where my title is. 

I also had an account with XXXX financial.

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 2022-03-16 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: IN

Complaint narrative:
Equifax is currently reporting an incorrect account on my credit report. Equifax is reporting uplift account which is not reported on my other two credit reports because the account is incorrect. Equifax incorrect reporting is negatively affect my credit and is causing me undue financial XXXX. Made a previous complaint and Equifax closed the compliant on basis that they could not verify my information therefore I am submitting this compliant with my ID and any other verification they may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: GA

Complaint narrative:
Dear Consumer FInancial Protection Bureau & Experian Dear CFPB this is not a duplicate and this is a follow up on the response that Experian sent to me via email yesterday. I am submitting new documents to you as a complaint that will hopefully get Experian to closely look at what I am requesting and what I am submitting to them. I received a response that they are deleting " XXXX '' inquiries off of my report and in reference to CFPB # XXXX the original complaint they again have ignored my request and again are doing a stall tactic.I am desperately asking that the please handle this matter promptly and discontinue to ignore my request as being a victim of identity theft. Initially, I praised them for their efforts but after taking a closer look they did not do anything but send me a letter requesting the same information and this happens almost frequent. I can go to experian.com upload documents and they claim to never get them etc..just prolonging and continuing to be unethical and damaging my creditworthiness. 

I have uploaded my drivers license and items they have been requesting since XXXX and they should have what they need on file. Instead they send the same letter asking for the same information. I am not sure why the send back to me a letter that request the same information over and over which it truly frustrating. They need to please handle this matter promptly for this is about the sixth time I am sending this information. This time I am submitting what they are requesting for our tracking purposes and so that you at the CFPB can see if Experian will handle my file in the most ethical manner. 

Attached again are my a copy of my drivers license, bank statement to have these items deleted as soon as possible. Also attached is the same document that Experian sends as a stall tactic instead of fixing my problems. It disturbs me how they can continue to destroy a person with their business practice ignoring and not doing as they say they would. 

Experian it is time that you please do the " RIGHT '' thing and discontinue damaging my creditworthiness. 

Other requested information XXXX XXXX XXXX XXXX XX/XX/XXXX Preivous address XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Current address XXXX XXXX XXXX XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: DE

Complaint narrative:
Today on XX/XX/2022 I received an email from Chime stating they closed my account. I got no warning, no reason why and now XXXX not happy. I have a sick mother who recently had XXXX on XX/XX/XXXX and I went for her XXXX and scheduled to go back to Virginia Thursday. This has been and caused a HUGE inconvenience. I get paid every other Wednesday and my direct deposit from my job is scheduled to come tomorrow XX/XX/2022. I work for XXXX XXXX at home. I have bills to be paid tomorrow and again need my account open to be able to get an XXXX from the airport and to my mom and eat and simply do everything. I also have a scheduled refund from XXXX that is coming to me. XXXX just so distraught by this. I have attempted to contact chime and no one has responded to me and there is no way to speak to a live person. I even sent a dm on XXXX and XXXX and they just have an automatic response. This needs to be resolved quickly. I have a sick mom. Ive never misused my account. I paid back the spot me balance every paycheck and my history has been great these last few years. I have no other bank and I am freaking out at this moment typing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: AR

Complaint narrative:
Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. Please provide proof from the court of this public record. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. 

Inquiry from XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I previously disputed this inquiry stating : XXXX'There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : XXXXThere are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2022-03-16 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: NJ

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: NJ

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-03-16 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: MI

Complaint narrative:
XXXX XXXX Closed XXXX potentially negative months Tap labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Business Credit Card Balance on XX/XX/XXXX Credit Limit - {$2000.00} Payment Info Status Legally paid in full for less than the full balance Status date XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Joint Account Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit - {$3700.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Highest balance {$1700.00} Monthly payment {$0.00} Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - - On Time - Data Unavailable Additional info Responsibility Terminated Terms Revolving Company sold - Original creditor - Comments -experian is the one publishing

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 2022-03-16 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: IN

Complaint narrative:
Equifax is currently reporting an incorrect account on my credit report. Equifax is reporting uplift account which is not reported on my other two credit reports because the account is incorrect. Equifax incorrect reporting is negatively affect my credit and is causing me undue financial hardship. Made a previous complaint and Equifax closed the compliant on basis that they could not verify my information therefore I am submitting this compliant with my ID and any other verification they may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I discovered last month, XXXX XXXX, that my checking account has been withdrawn in the amount of {$110.00} every XXXX of the month since XX/XX/XXXX, by Synchrony XXXX for a loan. Each of these transactions states Synchrony Secure and type as loan. There is a trace number as well. I confirmed with Synchrony Secure ( XXXX ) on XX/XX/XXXX I do not have an account with them when they searched my SSN in their system. I have never co-signed for anyone either. The only assistance a representative of Synchrony XXXX could provide was to take my information down and forward it to their Fraud Department. It will take up to 90 days for them to investigate my reporting. 

Can my debit trace numbers be used to track what account and for who my checking account is being withdrawn the monthly {$110.00} amount? 

Thank you in advance for your assistance. 

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 monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint sent a letter and did not give a breakdown of the trial payment amount. How my payments from 2021 were broken down. 

In the letter, they tried to change my third trial payment from XXXX to {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TN

Complaint narrative:
My interaction with Equifax has been frustrating. I noticed that there were XXXX fraudulent accounts, XXXX  ending in XXXX and XXXX Bank ending in XXXX, inaccurately reporting on personal credit report and I demanded them get removed by certified mailing Equifax a packet of information with copies of an identity theft report, SSN card, driver 's license, and proof of address for their identification purposes, and a cover letter stating. Initially when they received my packet they removed both of the fradulent accounts but this past month in XXXX, Equifax said that they had conducted investigations into both accounts and supposdely " verified '' that those fradulent accounts were mine. I was never contacted by them to ever provide any sort of documents or statements to help verify anything. Equifax had reached out to the furnishes who would've been XXXX and XXXX and used them to determine " verification ''. But according to the FCRA, I am the only person that can verify such type of information. They reinserted both of the accounts and now they both are reporting on my personal credit report. This is continuing to cause harm to my reputation, stress and disruption in my life and causing me emotional stress. Once I they notified me that both accounts were reinserted, I certified mailed Equifax an affidavit of truth one for the XXXX  and one for the XXXX accounts with all exhibits mailed to them up to that point and explained how they illegally reinserted the XXXX fradulent accounts back onto my personal credit report. These were mailed on XX/XX/2022. They've yet to send me a response or delete either account and they received one on XX/XX/2022 and the other on XX/XX/2022.

Company response to consumer: Closed with explanation