vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 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: TX

Complaint narrative:
When my sister went to purchase her car in late XXXX ( XX/XX/XXXX ), the dealership pulled her credit. However, in the process, Equifax pulled my credit as well, likely because her credit report is intertwined with my own. 
Since I was obviously not the one who agreed to the credit pull, I first called Equifax in XXXX to dispute the two hard-pulls from XXXX ( Equifax dispute # XXXX ). I explained that it is likely that Equifax have me and my sister mixed up in their system. When I asked Equifax to remove the hard pull from my end, Equifax told me the dealership and the XXXX must be the ones that initiate the request electronically. 
So I called the said dealership and told them about the situation and asked them to do what Equifax told me the dealership would need to do. However, when the dealership called Equifax, Equifax told them that the request would need to come from my end as a dispute. 
Upon hearing this, I once again called Equifax to verify, and Equifax repeated what they had told me before, that the dealership and the XXXX need to initiate. I again relayed this information to the dealership, but again, when the dealership inquired Equifax, Equifax told them I need to do it through a dispute process. 
I find Equifax being the dishonest party here since Equifax is telling me and the dealership conflicting information, to my eyes, to avoid taking the responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX, I was married my XXXX and I decided to buy a first time home. First I got ripped off with the home. Purchased in XXXX XXXX NY. Than in XXXX My husband put in Supreme Court Divorce Proceedings. which took place in XXXX. Wells Fargo Mortgage was the bank. I was awarded the home because i made a lot of money.at the time. After the Supreme Court XXXX in XXXX. My Bank account with XXXX  XXXX XXXX Got closed out, without my knowledge. XXXX Dollars in Certificates of Deposits. Plus another XXXX Dollars in another Certificate of Deposits. Money market accounts and Checking and Savings all closed the same Day.and monies Gone with no explanation.Wells Fargo sent me a foreclosure letter at the time of my lost of fund my credit cards and everything could not get paid. Wells Fargo called some Attorney to put me in court for 4 months of money that they claim I didnt pay them.I know this was a big lie because I ate and slept on my job to make ends meet for my home after the divorce. The Wells Fargo Attorneys told me to pay them and I paid them.only to find out that my money at the time i was told was going to a locked box. and they did not see it because no one was going to this locked box I kept asking for a Refinance to lower the XXXX XXXX payments. I was told By Wells Fargo that I can sell my home. this was the only explanation. I recieved from them. as of XXXX. I checked my credit to see what I could do and I had a credit score of XXXX. I asked Well Fargo why did they lie to me when I was looking for help. I did a refinance with XXXX XXXX  who assisted me with the new loan and a lower rate. Now I look on my Credit Score and it is in the XXXX this is shocking. I canot borrow money from any bank to repair my home. also Wells Fargo Morgage is still reporting inaccurate information on my Credit Reort and I am no longer with them They are Paid in Full.. These 3 Credit reorting Companies are doing illegal things to consumers like myself reports to make me look bad, I am very disappointed in the credit reporting business hurting consumers and getting away with it. .I am looking for a attorney to help me with my Credit going down 200 points. Wells Fargo is a Scam Business. Just like that 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 explanation
Consumer complaint received 2021-08-18 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: NY

Complaint narrative:
XXXX XXXX XXXX, a US military XXXX service member, I have used a Citi credit card account for 3 years, Recently XXXX closed all my credit cards account for no reason, which makes me and my family very frustrated, I have never missed payment and any due. I use my card every year, have no risky behavior, often refer to a recommendation by friends with Citi products. In the recent epidemic, I serve the country, live in the military base also no anywhere can use credit card frequently, Kindly help check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
ATTENTION TO NCA ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company NCA ( XXXX XXXX XXXX ) in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As these 5 transaction aren't mine and when i reported it to you guys, you guys quickly denied my claim through a letter, this is no help!! I'm not sure why you guys are treating me this way!!! i called back to you guys and you guys told me that you guys would investigate but nothing ever happened but only denied me for no reason what the deal!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: FL

Complaint narrative:
Experian said that XXXX XXXX XXXX and XXXX XXXX  account was verified as correct. I want to know how did they verify this information? Because it is absolutely incorrect. I have no knowledge of these accounts. These are not my accounts. If they can not show me proof of verification then i want these accounts deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: DE

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 2021-08-18 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: CO

Complaint narrative:
Fraudulent accounts on my reports i have contacted the companies in this complaint and they all say to contact credit report companies and i have numerous times with no reply or results please investigate and remove this information 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX XXXX XXXX DBA XXXX REAL Account Number : XXXX Please remove this inaccurate information from 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 2021-08-18 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: CO

Complaint narrative:
Fraudulent accounts on my reports i have contacted the companies in this complaint and they all say to contact credit report companies and i have numerous times with no reply or results please investigate and remove this information 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX XXXX XXXX DBA XXXX REAL Account Number : XXXX Please remove this inaccurate information from 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 non-monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ingenuity RM, LLC
State: MN

Complaint narrative:
XXXX XXXX from Ingenuity RM , LLC is filing a judgement against me for a debt that is under workers comp. this debt is going to be paid in full when workers comp picks up my case. XXXX XXXX is harassing and trying to garnish wages from a employer i don ; t even work for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: CO

Complaint narrative:
Fraudulent accounts on my reports i have contacted the companies in this complaint and they all say to contact credit report companies and i have numerous times with no reply or results please investigate and remove this information 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX XXXX XXXX DBA XXXX REAL Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I didn't receive the XXXX bonus poin ts from Hilton promotional offer ( Amex Hilton Credit Card ). I met the spending requirements ( Spend $ 1k in 2 months ) on the first month of receiving the credit card. After calling Hilton, the operator stated I wasn't eligible for the promotional offer because I had a Hilton credit card before , which is not true. The operator then couldn't give an answer ( After talking to his supervisor ). 

I opened this account around the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Every month I pay My care credit early, as soon as I get paid. I paid XXXX on XXXX and have been on time every single month. Well my XXXX payment came and they said I have a late fee and need to pay XXXX. I have called them immediately trying to dispute how this is possible if they saw on their end I paid each month on time, they verified the information was indeed correct. However their billing cycle from the 1st to the 3rd any payments that get in by that time will be applied to the previous month. Now I have went over the entire contract and no where does it say a customer paying more of the amount requested is not allowed to pay their bill early. Well long story short they said there was nothing they can do on their side. I spoke with the supervisor, manager, and even filed a complaint to billing because thats all they can do. They want to keep adding to my late payments and I do not think its fair as a company to do that to a customer who has been more on top of her payments, have paid early and never missed a payment. They should be able to fix their mistake and take off my " late fees '' because I was early for each month.

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 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Recently my wife XXXX and I tried to obtain a new car loan. A collection appeared from Portfolio Recovery Associates that was purchased from XXXX XXXX. The account shows a XX/XX/2017 transfer date. The account is being intentionally re-aged by Portfolio Recovery Associates, even though the timeline for collection is already passed, and XXXX XXXX did not get permission from our bankruptcy trustee to sell the debt. The debt must be transferred back to XXXX XXXX, no exceptions. The account is fraudulent and can not be rectified as XXXX XXXX has already purged our files. This account is in violation of all existing protections under the U.S. Bankruptcy Code as well as the Fair Debt Collection Practices Act. This collection must be deleted permanently!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: FL

Complaint narrative:
XXXX  is using a stall and computer generated response to contuine to violate my rights. I included my SSN and ID in the last CFPB complaint. but they are saying they dont recognize who I am yet they can report negative items on my account ... .. 


these agencies are in Violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

These agencies is also in violation of 15 U.S.C. 1692g. You were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do NOT validate 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 2021-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have a out dated account on my credit report and I have tried to get them to updated report like other 2 bureaus did both XXXX and XXXX both removed this items but XXXX continues to report this outdated information I need it removed ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently sent disputes letters to XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: GA

Complaint narrative:
Experian is continuing to report inaccurate information on my consumer report without my consent. I do not know who US DEPT OF ED/XXXX is nor do I have a student loan with them. I have requested they remove this inaccurate account from my report. They said after reinvestigating that it came back verified and accurate. I am requesting the method of verification because I, the consumer, do not validate this account nor know who this company is. Fix this issue or you will be held civilly liable for committing fraud by advertising inaccurate account information on my consumer report without my consent which directly impairs my ability to apply for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX, I was married my Husband and I decided to buy a first time home. First I got ripped off with the home. Purchased in XXXX XXXX NY. Than in XXXX My husband put in Supreme Court Divorce Proceedings. which took place in XXXX. XXXX XXXX Mortgage was the bank. I was awarded the home because i made a lot of money.at the time. After the Supreme Court Divorce in XXXX. My Bank account with Bank of America Got closed out, without my knowledge. XXXX Dollars in Certificates of Deposits. Plus another XXXX Dollars in another Certificate of Deposits. Money market accounts and Checking and Savings all closed the same Day.and monies Gone with no explanation.XXXX XXXX sent me a foreclosure letter at the time of my lost of fund my credit cards and everything could not get paid. XXXX XXXX called some Attorney to put me in court for 4 months of money that they claim I didnt pay them.I know this was a big lie because I ate and slept on my job to make ends meet for my home after the divorce. The XXXX XXXX Attorneys told me to pay them and I paid them.only to find out that my money at the time i was told was going to a locked box. and they did not see it because no one was going to this locked box I kept asking for a Refinance to lower the XXXX XXXX payments. I was told By XXXX XXXX that I can sell my home. this was the only explanation. I recieved from them. as of XXXX. I checked my credit to see what I could do and I had a credit score of XXXX. I asked XXXX XXXX why did they lie to me when I was looking for help. I did a refinance with XXXX XXXX  who assisted me with the new loan and a lower rate. Now I look on my Credit Score and it is in the XXXX this is shocking. I canot borrow money from any bank to repair my home. also XXXX XXXX XXXX is still reporting inaccurate information on my Credit Reort and I am no longer with them They are Paid in Full.. These 3 Credit reorting Companies are doing illegal things to consumers like myself reports to make me look bad, I am very disappointed in the credit reporting business hurting consumers and getting away with it. .I am looking for a attorney to help me with my Credit going down 200 points. XXXX XXXX is a Scam Business. Just like that Bank Of America Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
After disputing the alleged debt with Portfolio Recovery, they continue to furnish invalidated information to my consumer report causing great mental anguish, damages and losses.

Company response to consumer: Closed with non-monetary relief