vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reached out to XXXX to let them know they were reporting incorrect payment for XX/XX/2019 They stated that they would update the credit bureaus to reflect no late payment for XX/XX/2019. I decided to check my reports due to an alert indicating XXXX being reinvestigated, only to find out that XXXX has made the dispute worst by continuously report incorrect information to both XXXX and Equifax. I contacted both agencies and this is what they said to me : " XXXX  stated that they received an electronic notification back from XXXX indicating a 30-day late payment for XX/XX/2019 is correct. Equifax stated that they received an electronic notification from XXXX indicating a 60-day late payment for XX/XX/2019is correct but they did not provide any actual or physical supporting documentation to support their claim but stating account has been 30 to 60 day late and verified payment for XXXX is correct. '' XXXX has sent me documents to show that I was never late in XX/XX/2019, yet they are still reporting to the above credit bureaus that I am. I have sent those same documents to both credit bureaus to correct the XX/XX/2019 payment to reflect Ok- paid as agreed. They will not change it because they said it's the creditor ( XXXX ) responsibility to make the change. Per the Fair Credit Report Act, the creditor & credit bureau must report accurate and verifiable information. In this case, they both are clearly in violation of the FCRA Law and they have caused major damaged to my credit rating and score since XX/XX/2019to current. 

Facts : Home was sold on XX/XX/19 and XXXX received full payoff as of XX/XX/2019. So, how can I be 30 or 60 days late for XX/XX/2019when they received full payment on the loan with the documents attached. By the way, 30 days late does not start until XX/XX/2019, and loan was paid off on XX/XX/2019..less than 30 or  60 days late? The fact of the matter is, they are reporting incorrect lates against me for XX/XX/2019 with XXXX and Equifax. If this is not corrected in a timely matter, I will be seeking legal counsel for damages. 

Enclosures : XXXX Credit Report for XXXX Equifax Credit Report for XXXX XXXX XX/XX/2019 History to prove I was never late in XX/XX/2019 Closing Disclosure dated XX/XX/2019 from the sale of the home Escrow Refund Check dated XX/XX/19 P.S. How can I be 30 to 60 days late for XX/XX/2019 when the loan closed on XX/XX/2019 and the Cancellation Of Deed To Secure Debt dated XX/XX/2019 does not constitute a late payment when XXXX received all funds on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: GA

Complaint narrative:
I have reached out to XXXX to let them know they were reporting incorrect payment for XX/XX/2019. They stated that they would update the credit bureaus to reflect no late payment for XX/XX/2019. I decided to check my reports due to an alert indicating XXXX being reinvestigated, only to find out that XXXX has made the dispute worst by continuously report incorrect information to both Experian and XXXX. I contacted both agencies and this is what they said to me : " Experian stated that they received an electronic notification back from XXXX indicating a 30-day late payment for XX/XX/2019 is correct. XXXX   stated that they received an electronic notification from XXXX indicating a 60-day late payment for XX/XX/2019 is correct but they did not provide any actual or physical supporting documentation to support their claim but stating account has been 30 to 60 day late and verified payment for XXXX is correct. '' XXXX has sent me documents to show that I was never late in XX/XX/2019, yet they are still reporting to the above credit bureaus that I am. I have sent those same documents to both credit bureaus to correct the XX/XX/2019 payment to reflect Ok- paid as agreed. They will not change it because they said it's the creditor ( XXXX ) responsibility to make the change. Per the Fair Credit Report Act, the creditor & credit bureau must report accurate and verifiable information. In this case, they both are clearly in violation of the FCRA Law and they have caused major damaged to my credit rating and score since XX/XX/2019 to current. 

Facts : Home was sold onXX/XX/19 and XXXX received full payoff as of XX/XX/2019. So, how can I be 30 or 60 days late for XX/XX/2019 when they received full payment on the loan with the  documents attached. By the way, 30 days late does not start until XX/XX/2019, and loan was paid off on XX/XX/2019..less than 30 or 60 days late? The fact of the matter is, they are reporting incorrect lates against me for XX/XX/2019 with Experian and XXXX. If this is not corrected in a timely matter, I will be seeking legal counsel for damages. 

Enclosures : Experian Credit Report for XXXX XXXX  Credit Report for XXXX XXXX XX/XX/2019 History to prove I was never late in XX/XX/2019 Closing Disclosure dated XX/XX/2019 from the sale of the home Escrow Refund Check dated XX/XX/19 P.S. How can I be 30 to 60 days late for XX/XX/2019 when the loan closed on XX/XX/2019 and the Cancellation Of Deed To Secure Debt dated XX/XX/2019 does not constitute a late payment when XXXX received all funds on XX/XX/2019.

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 2019-09-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: NY

Complaint narrative:
THIS IS REGARDING DIRECTEXPRESS.com the website and the call center. The US Treasury uses this card for people on SSI or Social Security. 
1, The website asks individuals to " register to log in '' when you do your are CONSISTENTLY told " error '' then you do it over and over and it's the same message. 
2. They claim to have a phone number for " hearing impaired '' ... NO ONE EVER ANSWERS 3. When you call for help it is IMPOSSIBLE to get an agent to help you..even for a lost or stolen card. 
4. If you do get through you hold sometimes for 35 minutes ... after a long wait a recording comes on that says ... .. '' we are experiencing high call volume..please call backi '' THIS IS AFTER HOLDING FOREVER 5. There  are elderly and XXXX XXXX people that have trouble getting help with the card or their benefits not being on the card. 
I help an XXXX year old male who is a XXXX XXXX and XXXX XXXX XXXX ... I can't count how many times we waited and waited. 
THE US TREASURY DEPT NEEDS TO DO SOMETHING ABOUT THESE CARDS THAT ARE ISSUED. What good are they if you can't get Customer Service. The Treasury needs more than one card service for all the elderly and XXXX PLUS there should be enough employees hired to service the Direct Express cards for recipients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
( There was no category that suits my complaint ) I have attempted to resolve this issue with the company. What happened is as follows. 

I'll contact the company, and when I do, I'm told that there is no debt owed. 
The company will place a Collection on my Credit Report, and then remove it after some months. They will then again report the Collection with a new " Account Open '' date, not allowing the Collection to age, thus not allowing my Score to improve. They have been doing this for nearly three years now. 

This practice has, on several occasions, even once as recently as one week ago, resulted in the denial of credit, and/or poorer credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: GA

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is charging me fraudulent amounts for one of my loans.

XX/XX/19- Loan was current with a monthly payment of {$30.00}XX/XX/19-Loan was current with a monthly payment of {$30.00} XX/XX/19- Loan had a past due balance from XX/XX/19 of {$220.00} I have screenshots to reflect this history of transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX, XXXX and/or TransUnion ) credit report, according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made this inquiry knowingly, willingly of my own will you must remove it as such. 

I writing to dispute the following inquiries and asking for their removal from my credit report. 

Item No. Creditor Account Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a current and corrected copy of my credit report once this issue is resolved. 

Thank you in advance for your swift, expedited assistance with this matter. 
Inquiry details Onemain Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Deal Inquiry from XX/XX/XXXX Bank XXXX XXXX  Deal Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Real Estate/Public Accommodations XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX PXXXXus Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from Apr XXXX, XXXX National Credit Cards/Airlines XXXX   XXXX Inquiry from XX/XX/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 2019-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau Equifax, XXXX and/or XXXX ) credit report, according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made this inquiry knowingly, willingly of my own will you must remove it as such.

I writing to dispute the following inquiries and asking for their removal from my credit report.

Item No. Creditor Account Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a current and corrected copy of my credit report once this issue is resolved. 

Thank you in advance for your swift, expedited assistance with this matter. 
Inquiry details XXXX Inquiry from XX/XX/2019 XXXX   XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX   XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX. 
XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX. 
XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from Apr XXXX, XXXX XXXX XXXX XXXX/AXXXX XXXX  XXXX Inquiry from XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX, Experian and/or XXXX ) credit report, according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made this inquiry knowingly, willingly of my own will you must remove it as such.

I writing to dispute the following inquiries and asking for their removal from my credit report.

Item No. Creditor Account Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a current and corrected copy of my credit report once this issue is resolved.

Thank you in advance for your swift, expedited assistance with this matter. 
Inquiry details XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank   XXXX/XXXX  Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance  XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX   Inquiry from XX/XX/XXXX Bank XXXXXXXX Inquiry from XX/XX/XXXX Real Estate/Public Accommodations XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX XXXX. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX   Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank Checkngo/XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX National Credit Cards/XXXX XXXX  XXXX Inquiry from XX/XX/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 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Community bank has called repeatedly from unknown numbers. When Ive told them to stop calling my work they attempted it again to try to get my secretary to transfer it. As well as when I told them not to call after 8 because of a sleeping child the girl on the other end got nasty with me. When I told them they couldnt call 5 times in a row they threatened legal actions and to sue me along with getting nasty again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cawley & Bergmann, LLP
State: CA

Complaint narrative:
Two previous complaint had been filed against XXXX, XXXX which had issues a credit card without consent or authorization. XXXX XXXX ; XXXX had illegally obtained credit file of a US Citizen without the consent of sending credit information out of the United States. 
Said bank had issued a credit card with different terms of credit and duplicated most of the charges of the FULLY PAID XXXX CREDIT CARD WHICH WAS ISSUED IN THE UNITED STATED UNDER A DIFFERENT CREDIT TERMS AND NUMBER!!! It is an identity fraud as well as lending fraud which has been previously complained about and seemingly resolved, as MYSELF provided the credit reporting agency, XXXX, the documentation of the US credit card, check of full payment of balance of the same card, carrying a different number what the XXXX, XXXX card has shown. My credit files were frozen for a period of SIX MONTHS. Now another agency, Cawley & Bergman LLC of XXXX, XXXX XXXX has taken this account and trying to collect a fraudulantly issues credit card balance and charges which had been paid on a different US account. 
I respectfully request to check license number of this crook organization and demand a fine of {$5000.00} as the case had already been resolved or currently waiting the proper fine from the Comptroller of Currency!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I Submitted a claim to the CFPB on XX/XX/XXXX stating that " XXXX XXXX XXXX is reporting that on XX/XX/XXXX & XX/XX/XXXX I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response. " XXXX XXXX XXXX responding saying that I went to XXXX XXXX XXXX to apply for a car loan. This is not true! I would like for XXXX XXXX XXXX to show my signed application on file to confirm that I indeed apply for credit and indeed did authorize an inquiry to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: NV

Complaint narrative:
equifax has XXXX  XXXX  as open negative?

Company response to consumer: Closed with non-monetary relief