vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX  DOA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2020 Status Collection account. {$570.00} past due as of XX/XX/2020. 
Status Updated XX/XX/2020 XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$570.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$570.00} Date OpenedXX/XX/XXXXDispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$8000.00} written off. {$8000.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$8000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute Installment Loansshow tooltip button all not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I was recently the victim of a fraudulent unemployment claim filed with the state I live in. When attempting to work with the credit agencies, I realized how terrible their security STILL is, even after the Experian data breach. 

For example, I am able to alter my Experian contact information and conduct other account actions with only my SSN and my DoB. That allows an attacker who has illegally obtained that information to effectively alter and modify your credit report agency file. 

From what I can tell, NONE of the three credit bureaus have implemented any kind of two-factor authentication using rolling codes or even token devices?! WHY!!!!?!?? 

As it stands, I am effectively locked out of my Experian account, unable to login, unable to reset my username or password. I am unable to actually SPEAK to anyone at Experian as I have tried every option in their phone tree that again, authenticates me using nothing more than my SSN. 

These credit bureaus needs to step up their cybersecurity game.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: Self Financial Inc.
State: GA

Complaint narrative:
i sent out disputes to the credit bureaus on XX/XX/2020 about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed a police report also filed an ftc report as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Federal Cash Advance, LLC of Oklahoma
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX A company by the name of XXXX XXXX XXXX XXXX XXXX has been harassing me at work and on my cell. They have so-called hired a caller by the name of XXXX XXXX XXXX XXXX XXXX XXXX who claims to be a proceedings officer working on behalf of XXXX ( online payday loan company ) and Cashmax ( In-store payday loan company ). She told me I owed a combined amount of {$1500.00} to these two companies and were going to take legal action to serve me at my place of employment unless I agreed to pay the accounts off and that there was a case pending against me in my county. I looked up any pending cases in my county and there aren't any. Before I though whether or not it was a scam ( since I have tried to work on debt consolidation in the past that included these two accounts ) I gave this lady myXX/XX/XXXXcard number to pay an initial down payment of {$59.00} to set up a monthly payment plan. They took out the {$59.00} from my card and they attempted to take out the first monthly payment of {$560.00} from the same card and it was declined. Once it was declined, they resumed harassing me by phone on my cell number and at my job. 

She was referred to me by another lady claiming to be a process server named XXXX and another lady by the name of XXXX XXXX XXXX XXXX XXXX XXXX who needed to speak with my employer to determine my location for me to be served and needed the " protocol '' to get me properly served at my employer location.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I have an old Bank of America account listed as a charge off on my credit report. This account is very old and is past the 7 year mark for it to appear on my credit report. This company also can not verify the information.

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 2020-10-05 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:
XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX  DOA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$570.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$570.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$570.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$8000.00} written off. {$8000.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$8000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute Installment Loansshow tooltip button all not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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:
XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX DOA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name THE XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$570.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$570.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$570.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$8000.00} written off. {$8000.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$8000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute Installment Loansshow tooltip button all not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX for {$130.00} there was a glood and {$340.00} was fraud is {$480.00}. Ive calldd exevutive office and customer service who does not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
My name is XXXX XXXX i am currently a member of the XXXX XXXX. XXXX of 2019 i was suddenly XXXX which left me no time to contact my current creditors to notify them therefore i was reported late by CREDIT ACCEPTANCE CORPORATION for multiple months which has killed my credit score. I am about to come home soon and my plan is to purchase a home but this is hindering me. It was not by choice that i was suddenly XXXX. If these late pays can be corrected to paid on time never late that would really help me out. I have tried to dispute this with the credit bureaus and the original creditor which came back verified or validated..I am not an expert in credit so i do not know what else to do than to place a complaint with the CFPB. I hear the state attorney general is the next step. I do not want to cause issues for CREDIT ACCEPTANCE CORPORATION, I just want this corrected. thank You I have attached a copy of my report for reference on all the late payments they reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Per the contract, turn in fee is waived if you buy or lease a new Honda AHFC has been provided with proof of my new Honda lease ( both by mail and email and now attached to this complaint ) and has still reported me delinquent on the turn in fee for multiple months resulting in XXXX points of XXXX  score reduction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have noticed that Capital ONE has not reported one of my CC ( Silver ) correctly since XXXX. 
I made contact with them and was given NO reason why it wasn't being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I pull up my credit files on XX/XX/2020 to go over them before I apply for a home loan. As I looked over my files there is an account that does not belong to me and should not be on my credit files.The company that is appearing on file files is under the name of XXXX XXXX with account # XXXX. I have reached out to the company in reference to this account and they are not trying to help me. I spoke to a young lady in customer service and she told me to file a complaint with the credit bureaus. I did what she told me to do and the account is still showing on my credit file. I have asked the credit bureaus XXXX, XXXX  and Transunion to provide me with a copy of the contract for this account nd they have not provided it to me and they are still reporting this negative information on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I disputed a series of charges on my PENFED Credit Union VISA from XXXX XXXX XXXX, XXXX XXXX MN, ( 9 transactions totaling XXXX ). PENFED has refused to diligently investigate or take any steps to resolve my complaint. 

On XXXX I initiated my original dispute, on XXXX they closed it saying the charges were valid ( they did not provide me with a case number for this dispute ). I learned of this on XX/XX/XXXX when I called to inquire and at that time re-opened the dispute ( the case numbers provided in this instance were XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). 

I uploaded supporting documents on XXXX and called PENFED confirming they received them on XX/XX/XXXX. On XXXX I called to learn the status and was informed that they decided not to change their previous decision. The customer service rep indicated that XXXX in the dispute department thought I should talk to XXXX the analyst assigned for an explanation. They indicated XXXX would call me that afternoon. XXXX did not call. On XXXX I called again with no results. 

Thus far PENFED has refused to diligently investigate my dispute, has failed to provide an explanation of their decision or copies of any evidence they used in making their decision. I very much doubt they interacted with the other party at all. 

I hired XXXX to provide residential remodeling services. He represented himself as a competent professional capable of delivering the work he agreed to. However, he was not competent, or professional, and delivered shoddy, amateurish workmanship that must now be redone. 

The basis of the dispute is that the services and products were not delivered on time or as agreed., that the services and materials provided are defective or not as specified, and XXXX has refused to disclose their billing, they have not provided an invoice describing what I have paid for. 

I have extensively document the problems with XXXX work and have attached the documentation I provided to PENFED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
Hi Sir, Greetings of the day.

I need your help in settling my lease account with NISSAN MOTOR ACCEPTANCE CORPORATION ( NMAC ), XXXX XXXX XXXX, XXXX, TX XXXX. 

I traded in my leased car ( from NISSAN ) to XXXX XXXX of XXXX, PA on XX/XX/2020. XXXX XXXX agreed to buy back the car from NISSAN by paying the residual value and outstanding lease payments. Accordingly, they sent the following payoff checks to NMAC : 1. 1st check was received by NMAC on XX/XX/2020 ( Amount- {$14000.00} ). This check was never processed. Hence XXXX XXXX had to cancel this check and send a new check. 
2. 2nd check was received by NMAC on XX/XX/2020 ( Amount- {$14000.00} ). This check is also unprocessed till today because of their negligence. 

I tried to call them multiple times to process the payment and close my account. Every time they give the reason for the delay is COVID 19 pandemic. They have an SLA of 15 days which they have violated already. They are very insensitive. 
Now they have moved my account to their collections department and I am getting harassed by the collection agents for payment again. Additionally, they are also charging late payment fees to my account. They are also threatening me that it will be reported to the credit unions. 

I am going through enough mental trauma for more than a month now. 

Please help me get this resolved as soon as possible. 

Thanks and regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
There is credit reports older than 10 years showing as just opened. I have 2 seperate child support delenquit payments showing. I only have XXXX child case. Some of my name 's showing are wrong. Derogatory marks from a bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
There is credit reports older than 10 years showing as just opened. I have 2 seperate child support delenquit payments showing. I only have XXXX  child case. Some of my name 's showing are wrong. Derogatory marks from a bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
There are two accounts on my credit report from MIDLAND FUNDING LLC, one account XXXX, and the other account XXXX. These were unauthorized accounts opened. I did not open these account. I have 0 knowledge of them. Its states one was opened XX/XX/XXXX and the other XX/XX/XXXX. I did not open an account in XX/XX/XXXX. I have tried disputing these via credit bureau debt validation. They never respond via mail. They keep reporting on my credit these account are past due and they are not. This is grounds for violation. Not to mention I have lived in Texas since XX/XX/XXXX years. Statue of limitations in Texas is 4 years. Therefore Midland Funding is violating the Fair Debt Collection Practices Act. In XX/XX/XXXX, this company attempted to sue me for a debt in another state. This needs to end. They do not validate their debt, I have never owned them or whom they represent. I would appreciate this accounts with balances of {$950.00} and {$530.00} to be removed permanently from my credit report. This is unlawful and it causes me stress knowing they keep doing this when its unauthorized Accounts. These account are past statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have noticed that XXXX  XXXX has not reported one of my CC ( XXXX ) correctly since XXXX. 
I made contact with them and was given NO reason why it wasn't being reported correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: TX

Complaint narrative:
I have noticed that XXXX  XXXX has not reported one of my CC ( XXXX  ) correctly since XXXX. 
I made contact with them and was given NO reason why it wasn't being reported correctly.

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

Complaint narrative:
I have noticed that XXXX XXXX has not reported one of my CC ( XXXX  ) correctly since XXXX. 
I made contact with them and was given NO reason why it wasn't being reported correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: MD

Complaint narrative:
I pull up my credit files on XX/XX/2020 to go over them before I apply for a home loan. As I looked over my files there is an account that does not belong to me and should not be on my credit files.The company that is appearing on file files is under the name of XXXX XXXX with account # XXXX. I have reached out to the company in reference to this account and they are not trying to help me. I spoke to a young lady in customer service and she told me to file a complaint with the credit bureaus. I did what she told me to do and the account is still showing on my credit file. I have asked the credit bureaus Equifax, XXXX  and XXXX  to provide me with a copy of the contract for this account nd they have not provided it to me and they are still reporting this negative information on my credit file.

Company response to consumer: Closed with explanation