vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 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: DISCOVER BANK
State: OH

Complaint narrative:
After receiving a response from Discover and XXXX regarding an ongoing dispute regarding the incorrect pay history/ closure date provided on my credit reports, the issue remains. The credit card balance for this account was paid in full in XX/XX/XXXX and the account was officially closed that same month. The derogatory months for the pay history have yet to be corrected along with the closure date on my credit reports which is inaccurate and false information. XXXX is still reporting XX/XX/XXXX through XX/XX/XXXX as derogatory, then XX/XX/XXXX as an on time payment then closed in XX/XX/XXXX. XXXX is reporting derogatory payments from XX/XX/XXXX through XX/XX/XXXX and then a positive pay history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, then FINALLY closed in XX/XX/XXXX. As seen in the attached credit reports from XXXX and XXXX, Discover is reporting false and inaccurate information. A representative by the name of XXXX from the Executive Office oXXXX XXXX XXXX for Discover, is refusing to correct the payment history and provide the correct closure date for the account. I AM ALSO STILL RECEIVEING MONTHLY STATEMENTS ON THIS CLOSED CREDIT CARD ACCOUNT THAT WAS PAID IN FULL. A complete investigation was not conducted by XXXX nor XXXX from Discover as can be seen by the attachments for this complaint. I also spoke to a representative on XX/XX/XXXX from XXXX on a recorded line for them to review the Discover account confirm that the account was closed, but still reporting a pay history up until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
After reviewing my credit reports I noticed that there is a negative/adverse account on my report that I feel is not does not belong to me. The collection agency that's reporting this account in the amount of {$350.00} is RESURGENT CAPITAL SERVICES ( RCS ). The creditor is listed as XXXX XXXX. The account number is XXXX. I sent XXXX a certified letter in requesting documentation and proof that this account belongs to me. XXXX tracking shows that RCS received the letter on XX/XX/2021 more than two months ago. I have not received any correspondence from RCS. I want RESURGENT CAPITAL SERVICES to provide me with documentation and proof that this account belong to me or remove this collection from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2021 I applied for a Chase Freedom XXXX card through XXXX XXXX. They said my chance for approval was excellent. I previously checked my XXXX reports and decided to apply. Chase denied me so I called their reconsideration line to find out why. They said I had a bankruptcy on my report and that was the reason why I was denied. My report doesn't have any bankruptcies. On their denial letter they claim I have too many active accounts or too much available credit. That wouldn't make since if I had a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: KS

Complaint narrative:
My husband lost his job due to XXXX, and I was struggling to pay my loan. They told me that I could place my loan into forbearance status. I was approved yesterday for the forbearance. On that call I discovered that they added approximately {$30000.00} worth of fees to my loan. I believe this amount to be excessive. They told me that my payoff is now over {$130000.00}. When I began purchasing the home years ago, I started out closer to {$100000.00}.

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 2021-12-01 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TN

Complaint narrative:
I had Cashapp account # 1 and I transfered {$600.00} to Cashapp # 2 ( Different bank ). I tried to log on to account # 2 and Cashapp application made me create account # 3 and it automatically populated info from account # 2. So I was locked out of account # 2 with {$600.00}. I have filed for an investigation from account # 1 and Cashapp said that their investigation is complete and they can't do any thing after they said they would do a one time courtesy transfer. I was told I could read their TOS. They have not taken any action after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 Bank of America refunded my account of {$5000.00} without notifying me, for a fraud that had taken place XXXX month prior. I happened to check my account that day and found they refunded the money but immediately let another fraudulent transfer of {$3000.00} occur before I had even realized my money was even there. When I called Bank of America to let them know what happened again they hung up on me. On the next call they refused to help me and referred me to a bank branch to be verified by a teller for the XXXX time this month. Luckily I was able to pull out the remaining {$2000.00} at the bank. Bank of America has complete access to the account. They know the account and the routing number that the XXXX transferred the money to but they refused to do anything. Instead they say they filed a claim and it could take up to XXXX days for them to make a decision even though this was about the money they never told me that they gave me back to begin with, from the claim I had already waited XXXX day to complete. This is XXXX XXXX Bank of America 's fault and I am growing very weary of their games. I've been trying to get my money back since XX/XX/XXXX. It is now 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 2021-12-01 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I obtained a loan through a finance company picked out by a dealership, not knowing the finance company had been sued by the FTC for the same thing that they did to me. Santander was sued for giving low-income people loans and then finding a way to cancel the loan for repossession. This complaint is attached to complaint number XXXX. I financed a vehicle through XXXX XXXX. The vehicle had transmission issues within 48 hours of me having the vehicle. After getting an attorney and making multiple complaints the dealership reversed the contract and gave Santander Consumer USA their money back. Santander reposed the vehicle, although they knew of the faulty vehicle. They did not inform me of the auction. They still three months later have not allowed me to obtain my personal belongings from the vehicle. I have tried calling, sending in letters and no one will speak with me. I never made a payment because I contacted both XXXX XXXX and Santander Consumer to let them know the transmission was slipping in this vehicle. I was not obligated to make a payment on a vehicle that was sold to me without informing me of the problems. After the vehicle was repossessed, I was not able to obtain my personal belongings, but furthermore Santander Consumer failed to give me notice of the auction-according to the FTC rules . I would like to see the certified letter that was mailed to me before I obtain legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I'm again having some issues with Citizens. In XX/XX/XXXX, my account was charged with the amount of XXXX that was deducted for XXXX XXXX, and my escrow went negative. I just received a letter that I owe money for the escrow, and that the premium will go up starting from XX/XX/XXXX, which is completely wrong as I already paid for the full year of insurance. How is that possible? What was the XXXX charge for?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: CO

Complaint narrative:
My background include a list of criminal convictions I have never seen. I currently hold a government clearance through my previous employer which would have never happened if any of the convictions listed were true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2021 I the consumer sent out a letter via USPS certified mail with tracking to EQUIFAX, the letter was titled AFFIDAVIT OF TRUTH, NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. EQUIFAX was in receipt of the letter per certified mail tracking on XX/XX/XXXX, XXXX. I, consumer, was in receipt of a response sent from EQUIFAX on XX/XX/2021. The letter that consumer XXXX XXXX XXXX has was a letter stating that EQUIFAX updated the account ( s ) and verified items belong to " YOU ''. There was two accounts that consumer requested within the AFFIDAVIT OF TRUTH demanding that EQUIFAX Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EQUIFAX is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract for any and all accounts EQIFAX posts on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent consumer account information to verify. I demanded to see Verifiable Proof of the original instrument of indebtedness ( an original Consumer Contract with my WET INK Signature on contract ) that EQUIFAX has on file of the account ( s ) listed below and this request is not asking for a PHOTOCOPY OF A STATEMENT OF ALLEGED ACCOUNT ( S ) or a PHOTOCOPY of the alleged debt contract but the ORIGINAL with XXXX XXXX XXXX wet ink signature. I was not asking for EQUIFAX to verify the account by simply sending me an updated report with the same information that has been reporting on consumer 's report. EQUIFAX failure to positively verify these correctly under the FCRA, unverified accounts must be removed/deleted and if EQUIFAX is unable to provide me a copy of verifiable proof, EQUIFAX must remove/delete the accounts XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX years ago, after maintaining an XXXX score with Equifax XXXX XXXX, and XXXX XXXX my Equifax score inexplicably dropped to the mid-XXXXXXXX. I have reviewed my Equifax summary and currently Equifax only has XXXX sources or lines of credit, they see. 

( See enclosed Equifax summary-Equifax score XXXX ; XXXX XXXX, XXXX XXXX Note Equifax credit report summary-total lines of creditXXXX ; credit utilization XXXX XXXX  ) XXXX Summary of Accounts shows over XXXX accounts in satisfactory status ( see enclosed ) Despite all certified information provided to Equifax, Equifax continues to send me computer-generated information without addressing the issue and without reporting the multiple accounts the other XXXX major credit reporting agencies have available. 
I never get an explanation of why they cant correct this problem. 

Equifax will not update their files or respond to me in any way after multiple certified letters providing information to them. I am able to provide a XXXX-page XXXX of documents resubmitted to Equifax XX/XX/2021 which appears to have been ignored as Equifax has not addressed or acknowledged the situation nor has it made any changes in recognizing the multiple accounts that are known to the other XXXX major credit reporting agencies. 

Over the past XXXX years I have made several attempts to Equifax using certified mail requesting Equifax to update my active accounts by providing Equifax my identification and lines of credit that XXXX and XXXX are aware of ( all of which are in satisfactory status. ). 

My most recent response from Equifax XX/XX/2021 stated they were unable to locate a credit file in our database with information you provided, in order to further assist, we will need additional documents to verify your identification etc. 

I again sent Equifax XXXXnformation certified with the dispute number, my address, a copy of my Social Security card, a copy of my drivers license, a list of former addresses, and proof of several open accounts that Equifax no longer keeps a record of. 
Equifax will not update their files or respond to me I am grateful for any help you can provide in this matter, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: AR

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: OH

Complaint narrative:
After receiving a response from XXXX and Experian regarding an ongoing dispute regarding the incorrect pay history/ closure date provided on my credit reports, the issue remains. The credit card balance for this account was paid in full in XX/XX/XXXX and the account was officially closed that same month. The derogatory months for the pay history have yet to be corrected along with the closure date on my credit reports which is inaccurate and false information. XXXX is still reporting XX/XX/XXXX through XX/XX/XXXX as derogatory, then XX/XX/XXXX as an on time payment then closed in XX/XX/XXXX. Experian is reporting derogatory payments from XX/XX/XXXX through XX/XX/XXXX and then a positive pay history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, then FINALLY closed in XX/XX/XXXX. As seen in the attached credit reports from XXXX and Experian, XXXX is reporting false and inaccurate information. A representative by the name of XXXX, from the XXXX XXXX XXXX XXXX XXXX for XXXX, is refusing to correct the payment history and provide the correct closure date for the account. I AM ALSO STILL RECEIVEING MONTHLY STATEMENTS ON THIS CLOSED CREDIT CARD ACCOUNT THAT WAS PAID IN FULL. A complete investigation was not conducted by Experian nor XXXX from XXXX as can be seen by the attachments for this complaint. I also spoke to a representative on XX/XX/XXXX from Experian on a recorded line for them to review the XXXX account confirm that the account was closed, but still reporting a pay history up until 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 2021-12-01 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: CT

Complaint narrative:
Experian is willingly and knowingly transmitting fraudulent information regarding my credit profile. XXXX XXXX XXXX claims I owe their company {$450.00}. This account is not mine and is a result of identity theft. I have notified the creditor directly and the credit bureau, however, both have failed to act accordingly.

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 2021-12-01 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: NV

Complaint narrative:
This is XXXX XXXX, who is submitting this XXXX complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: NV

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. These items are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Ga XXXX has been reporting to XXXX XXXX, XXXX, and XXXX a debt of {$9900.00} for a XXXX XXXX XXXX XXXX XXXX Apts. 

The reports I have claim that the account was opened XX/XX/XXXX. 

I have however, never lived in XXXX, Ga nor rented any sort of apartment. 

I have made attempts to leave messages with the apartment complex, but have received no response back by a manager. 

Additionally, on XX/XX/XXXX, I have sent the attached documents, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating their claim is disputed and validation is requested. 

As of XX/XX/XXXX, I have received no response nor correspondence from this company. However, they continue to report this negative debt on my credit reports falsely.

Company response to consumer: Closed with explanation