vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX is reporting and scoring me for seven hard hits for purchasing one vehicle. When calling XXXX XXXX they agreed that it did not matter how many hard hits there were, if all the hard hits were for purchasing a vehicle, and I purchased a vehicle, these hits would count as only one hit. Unfortunately, although Equifax is showing one hard hit for the purchase of my truck, XXXX XXXX nis showing and scoring me XXXX points for XXXX hard hits, for purchasing one vehicle. 

Last, Equifax is reporting a derogatory account from XXXX that I disputed ( never opened ), and that XXXX XXXX removed. Upon calling XXXX today ( I have XXXX now for service ), they informed me that they could not find the 2018 account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aqua Finance, Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I have a loan with AQUA FINANCE INC with the account number XXXX but I was never late on making my payment. However, the 30 days late which was tagged in different months. It was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent has failed to provide me with requested ( validation ) proof for an item on my credit after i sent several letters asking them to do so. The last letter that i sent them dated XX/XX/XXXX. I have certified proof that someone from their office signed for it on XX/XX/XXXX. I received a letter from them dated on XX/XX/XXXX which states have initiated a review of my inquiry. They took longer than 30 days to respond. As of today XX/XX/XXXX, I still have not anything from them. My rights have been violated according to the FDCPA. Which states, If the debt collection agency doesnt respond to your request for a debt validation letter, they violate the Fair Debt Collection Practices Act ( FDCPA ). Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On my Equifax credit report, under my XXXX XXXX XXXX  account. Incorrect remarks were added with a false statement that was not reported by me. It seems that XXXX XXXX XXXX  placed these inaccurate remarks, which caused my credit score to be severally affected. I did not open a dispute regarding my XXXX XXXX XXXX  account balance being Paid In Full in XX/XX/2022 with Equifax. I did not have any problems with the fixed rate. This seems unfair and severe to deduct some many points for an incorrect Remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has allowed multiple companies to provide them with fraudulent information to report on my credit report. to my understanding is that Equifax is supposed to report accurate and correct information to a consumer 's report and I have been one that has been treated unfairly because they are allowing inaccurate/fraudulent Infomation on my report.

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. 

Fraudulent Inquiries XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I purchased a concert tickets for an event in Washington XXXX DC. Paid it using my PayPal credit account/Synchrony Bank XXXX The event, tickets sold through XXXX, was cancelled because of Covid on XX/XX/2021. XXXX promised to refund the money and after many unsuccessful attempts to get in touch with them, I escalated this problem with Synchrony bank, who keeps trying to make me pay the amount being disputed. Synchrony bank claims that they received information and proof that XXXX will not refund me the money. However, the documents and the amount in dispute, that Synchrony Bank sent to me, is a wrong amount and copied and pasted policies that do not apply to my case. Synchrony Bank is not doing a throughout investigation about my case and is forcing me to pay an amount that I can not afford and I should not pay it because merchant cancelled this event willingly and the merchant gave me the option to choose between receiving a refund or get a store credit. I chose to get a refund. Synchrony Bank is failing in providing help and support to my claim simply because it is convenient to them that I should pay this loan at 21 % interest rate. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX of XXXX, I noticed inaccurate information being reported on my Equifax credit report. XXXX bank was reporting two of my accounts as late multiple times. They are even reporting my payment status as late 90 days when my account was paid and closed in XX/XX/XXXX! I then began sending dispute letters to get the incorrect information taken off. I asked them to please conduct an independent investigation. I submitted a total of 5 letters listed the inaccuracies on my credit report and the 4th time they responded with saying one of my disputes was verified as " account paid, never late '' yet they did not remove the late payments. Instead, they added more back on without notifying me within 5 days as they are required to do. This has hurt my credit score and prevented me from obtaining a home loan. I have also reached out to XXXX bank via certified mail with no response. I have the documentation to show each time I reached out to Equifax, I tried so many things to get the inaccuracies removed and they have now told me they are no longer going to conduct further investigations on my disputes. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I consumer XXXX XXXX, requested my consumer file from EQUIFAX. EQUIFAX 's representative stated to me EQUIFAX does not send out consumer files, which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC.
State: MI

Complaint narrative:
My account KAY JEWELERSXXXX XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
In XXXX my mortgage was bought by Mr Cooper/ Nationstar. Well I had an issue with my payment going up. No one could tell me why it did. I asked to refinance in which they said I couldnt until I went into foreclosure. That was in XXXX and XXXX of XXXX. Well about a year later the mortgage modification they forced me into was settled. Now in XXXX of XXXX they are saying that I missed a payment. My bank records show that the payment came out of my account to them. I noticed this in XXXX of XXXX. I have submitted screen shots of my bank payment and even sent them pictures of my bank statements from XXXX. I am getting tired of waiting for them to fix this, any help in this matter would be appreciated. I feel like someone stole my payment and put it in their bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I was charged with the second overdraft fee I would receive within the past two weeks. This fee, however, is unjustified and I am willing to escalate this as far as it will go, before ceasing my business with this banking entity, Bank of America I have spoken with a representative who informed me that because of a supposed charge into the negative on my account of around {$3.00}, I was charged yet another {$35.00} which he could not reverse. The issue is that at no point did my balance enter the negative, I had deposited the appropriate amount before withdrawal. I have screenshots of this. Aside from this, the company which I used to withdraw the funds from my BOFA account will NOT allow a withdrawal if it would put the funding account into a negative balance. I have proof of this as well In a matter of weeks, Bank of America is supposed to drop or severely reduce the exorbitant amount that they charge for pennies into the negative, and in some cases, not even negative at all. I want only for the fee to be reversed, and I will speak with whoever I can to either resolve this issue in that manner, or to resign my business from their institution with contempt As a 'valued ' customer since XXXX, who has had very few issues with overdraft fees prior to this incident, I wish to solve this as respectfully and swiftly as possible, but this is far beyond unacceptable, and if the lawsuits that are being brought against BOFA hold any water, I'd say I'm not alone

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Service Finance Holdings, LLC
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I have a loan with SERVICE FINANCE COMPAN with the account number XXXX and I noticed the inaccuracies and error displaying on this account. The payment history is not making any sense. The 120 days late which was tagged in different months was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: SC

Complaint narrative:
The account is paid and closed but is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On the date of XX/XX/21, unknown person unauthorized online wire transfer the amount of {$28000.00} from both my checking and saving account into different account and able to withdrawn the money without being notified by text, email or phone call to confirm the transaction.After realizing what had happened l reported the incident to the Citibank and was told to wait for investigation till 60 days.After 2 and half months ( 76 days ) they are not telling me anything, l even spoke to the investigator several times and she doesnt know whats going on with the case.The case number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX {$230.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$0.00}

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