vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-10 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: AZ

Complaint narrative:
I found out end of last year when I tried applying for a car loan that a XXXX XXXX credit card account was created in my name in XX/XX/XXXX and it has a {$16000.00} balance on it. The history shows OK payments up to XX/XX/XXXX and there is a credit limit of {$4200.00} ( Way less than $ XXXX ). I have not been watching my credit up to now so I was unaware of this and I have not been informed of this debt against me. It shows the account was written off because they were unable to collect on the debt. The account is also showing against an Arizona address where I have never lived at so I disputed this as being fraud by whoever is living at that address. XXXX XXXX responded to my dispute with a letter saying that the information provided shows no evidence of fraud and they are not taking any action. That doesn't make any sense. It seems XXXX XXXX is intentionally ignoring the evidence they already have in their possession. No additional evidence is needed. I did not apply for this account so obviously the owner of the house stole my identity. XXXX XXXX is not attempting to collect from that address. XXXX XXXX XXXX  is intentionally committing fraud by placing an fraudulent account on my credit that doesn't belong to me and intentionally hurting my credit. I have not applied for much credit in my life but because of my low score, I have a hard time applying for credit now. I have a rights by the Fair Credit Reporting Act. How does someone manage to get {$16000.00} out of a credit card account with only a {$4200.00} credit limit and using my information when I barely have any background of credit at all? The attached file shows clips of the owner of the property and details linking the debt to that address. Information was gathered from my XXXX  credit report and from the XXXX Assessors website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: AZ

Complaint narrative:
I found out end of last year when I tried applying for a car loan that a XXXX XXXX credit card account was created in my name in XX/XX/XXXX and it has a {$16000.00} balance on it. The history shows OK payments up to XX/XX/XXXX and there is a credit limit of {$4200.00} ( Way less than $ XXXX ). I have not been watching my credit up to now so I was unaware of this and I have not been informed of this debt against me. It shows the account was written off because they were unable to collect on the debt. The account is also showing against an Arizona address where I have never lived at so I disputed this as being fraud by whoever is living at that address. XXXX XXXX responded to my dispute with a letter saying that the information provided shows no evidence of fraud and they are not taking any action. That doesn't make any sense. It seems XXXX XXXX is intentionally ignoring the evidence they already have in their possession. No additional evidence is needed. I did not apply for this account so obviously the owner of the house stole my identity. XXXX XXXX is not attempting to collect from that address. XXXX XXXX XXXX  is intentionally committing fraud by placing an fraudulent account on my credit that doesn't belong to me and intentionally hurting my credit. I have not applied for much credit in my life but because of my low score, I have a hard time applying for credit now. I have a rights by the Fair Credit Reporting Act. How does someone manage to get {$16000.00} out of a credit card account with only a {$4200.00} credit limit and using my information when I barely have any background of credit at all? The attached file shows clips of the owner of the property and details linking the debt to that address. Information was gathered from my Experian credit report and from the XXXX Assessors website.

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 2020-05-10 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a credit card from COMENITYBANK/VICTORIA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called COMENITYBANK/VICTORIA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and COMENITYBANK/VICTORIA with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30/60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Step 1 : What is this complaint about? A debt collection company called Wakefield and Associates in Colorado, is illegally reporting to credit bureau 's of old debts of mine originally purchased back in XXXX, stating that these collection accounts were opened in XXXX and XXXX when inquiries were sent to them as a result of me paying credit repair companies such as XXXX XXXX and XXXX to send them letters on my behalf. 

Step 2 : What type of problem are you having? My credit is in very poor condition as a result of the unlawful reporting of Wakefield and Associates.

Step 3 : What happened? I defaulted on Medical bills that were then purchased by a debt collection agency back in XXXX called Wakefield and Associates. There has never been a payment made toward any of these negative accounts which should have resulted in a charge off or the accounts being closed. They continue to falsely report dates these debts were purchased, as well as what I believe to be not only incorrect amounts, but also duplicate accounts as well. According to the Fair Credit Reporting Act, " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. '' In addition, the FCRA also states : " Consumer reporting agencies MUST correct or DELETE INACCURATE, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information MUST BE removed or corrected within 30 DAYS. However, a consumer reporting agency may continue to report information it has verified as accurate. '' The FCRA also says that, " You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. '' That is exactly what they have done because the inquiry letters sent to Wakefield and Associates from XXXX XXXX   and XXXX does not entitle Wakefield and Associates to begin the collection process all the way over beginning in XXXX and XXXX due to inquiries by a 3rd party credit repair company, when they originally purchased those debts from XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX back in XXXX. This is outdated negative information that is well over 7 years old, and is now being illegally and inaccurately reported and needs to be deleted and removed immediately.

Step 4 : What company is this complaint about? Wakefield and Associates in Colorado.

Step 5 : Who are the people involved? Wakefield and Associates, XXXX XXXX XXXX XXXX, the 3 major credit reporting bureaus, XXXX, XXXX, XXXX, and of course myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: CA

Complaint narrative:
I have a credit card from XXXX/XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX TransUnion,  and XXXX/XXXX with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XXXX XXXX and XXXX XXXX. There was an error on their part. I was never 30/60 days late.

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 2020-05-10 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: CA

Complaint narrative:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX EquifaxXXXX XXXX, and XXXX  with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XXXX XXXX and XXXX XXXX. There was an error on their part. I was never 30/60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: CA

Complaint narrative:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX with no successful resolution. Experian, XXXX and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30/60 days late.

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 2020-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
On XX/XX/2020 I filled out an application for an mortgage on a mobile home. The loan amount was for XXXX. I offered XXXX down payment for an FHA loan. I was informed previously that my credit score needed to be over XXXX. I worked very hard on bringing my credit score up to more than the proper standard.when reviewing my application 21st mortgage XXXX XXXX Direct Dial : ( XXXX ) XXXX Toll Free :  XXXX denied my application after advising me that my credit score was 639 though XXXX. She advise my application was denied but I can put down 10 % of the asking price. Just be advise that I did disclose my ethnicity on my application. I then inform Ms. XXXX that I could put down property that I own free and clear as collateral which was information that was given on the application as well she advise that i would have to resubmit a application which caused my credit score to drop. I resubmitted an application on XX/XX/2020 without disclosing my ethnicity on the second application got a response back from XXXX XXXX Direct Dial : ( XXXX ) XXXX Toll Free : XXXX Fax : XXXX XXXX whom advise that I also was denied but they had another loan option for me Needs upfront interview. Please call XXXX ext. XXXX An estimated loan amount of {$64000.00} or less, not including financed insurance and fees. 
I believe that this company has given me the run around reference to me trying to get a home i explain to them the urgency of me moving offered several thousand plus property as collateral. I believe that I'm being asked to put more than 3 % down that which FHA loan ask because I am a XXXX female  and Ms. XXXX was attempting to make it diffocult for me to be approval even after offering property that value over XXXX plus and additional XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: MS

Complaint narrative:
On XX/XX/XXXX I initiated a dispute with Equifax in an attempt to get erroneous information removed from my credit report. I sent the dispute, along with supporting documents ... .. which included the cover page from the credit file. I sent the dispute certified and got the the signed receipt. Yet, I got correspondence from Equifax stating that my credit report could not be found. How can my credit report not be found when I sent them the file number and the cover page? I feel like this is a stall tactic and all of these accounts should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: CA

Complaint narrative:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX   TransUnion, and XXXX with no successful resolution. XXXX XXXX, and TransUnion reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

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 2020-05-10 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: CA

Complaint narrative:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

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 2020-05-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has been recently updated & verified as accurate on my Experian credit report. Please see attachment ; Account : XXXX XXXX XXXX XXXX is reporting inaccurately and is inconsistent. 


Account does not appear on either XXXX and XXXX inconsistent reporting. A violation of FCRA rules 1681 Account does not currently reports last date of payment a violation of FCRA rules section 1681 Account does not reports last date of activity. A violation of FCRA rules section 1681 Account does not reports accurate balance or past due balance. A violation of FCRA rules section 1681.

Account does not accurately reports creditor business address and phone number. A violation of FCRA rules section 1681.

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 2020-05-10 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Auto account number # XXXX need to be updated on credit report. Account shows included in bankruptcy but account has been being paid since XXXX all the way XX/XX/XXXX and was paid in full. Td Auto has recently reported that this account was included in bankruptcy was that is not the case I have attached payment history and paid in full letter from TD Auto Finance and is requesting my credit report to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: CA

Complaint narrative:
XXXX XXXX account number # XXXX need to be updated on credit report. Account shows included in bankruptcy but account has been being paid since XXXX all the way XX/XX/XXXX and was paid in full. XXXX XXXX has recently reported that this account was included in bankruptcy was that is not the case I have attached payment history and paid in full letter from XXXX XXXX XXXX and is requesting my credit report to be updated.

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 2020-05-10 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: CA

Complaint narrative:
XXXX XXXX account number # XXXX need to be updated on credit report. Account shows included in bankruptcy but account has been being paid since XXXX all the way XX/XX/XXXX and was paid in full. XXXX XXXX has recently reported that this account was included in bankruptcy was that is not the case I have attached payment history and paid in full letter from XXXX XXXX XXXX and is requesting my credit report to be updated.

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 2020-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2019, BANK OF AMERICA let a fraudulent {$120.00} charge from XXXX XXXX XXXX XXXX XXXX, NJ ( reported by XXXX XXXX XXXX as having been labeled suspicious 50 times ) slip through on to my Visa account. Before I was even aware of it, BOA placed my account on hold and sent me a new card number, because they knew it was fraudulent. When I followed up with a fraud claim, they changed their story and denied it. I paid off all the legitimate charges, while the balance at issue started to grow because of interest and late fees. Through my credit union, I was able to claw back an Automated Clearing House  payment and permanently bar BOA from collecting any more. On XX/XX/XXXX, I sent BOA a certified letter threatening legal action unless they cancelled the charges and closed my account. XX/XX/XXXX and XXXX, they sent replies assuring me that both had happened. Yet they sent me an XX/XX/XXXX statement showing a supposed remaining balance, and my credit rating has taken a hit because BOA is now an adverse account. You want a fight, BOA? You got one!

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 2020-05-10 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. REFER TO THE ATTACHED IDENTITY THEFT REPORT. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED FIVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE. 

I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: MO

Complaint narrative:
I was on furlough from work XXXX XXXX XX/XX/XXXX, I was told to file unemployment, I did and requested my weekly pay I shouldve even qualified for XXXX $ extra, but it says Ive gotten two payments of XXXX $ that Ive never seen in my account I was also sent a card that is at 0.00. So i dont know what to do I only have XXXX and my family could really use the money. Can someone please help me. 
Thank you, 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