vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 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: MA

Complaint narrative:
I was stopped second in line of cars at a red traffic signal. 
The vehicle behind was distracted driving and failed to stop. 
I am injured. 
Physically I have been XXXX  on as a direct result of my injuries. 
I have been out of work from these injuries. 
I have received bills as a result of these injuries. 
These bills are not reimbursed As a result of these injuries. 
These credit reporting agencies faulsify my credit report Carelessly without authorization or authority. 
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 2020-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
On XX/XX/2020 my credit score went from XXXX to XXXX. I put in a dispute with TransUnion. They accept my dispute and my credit went up to XXXX. Then on XX/XX/XXXX my credit score went from XXXX to XXXX. I disputed that the XXXX account # XXXX was still active and not closed. They disagreed. They took this card off of my credit report. This card has a credit limit of {$4600.00} and a balance of {$29.00}. I would like this credit card used to show my proper credit score. I would like my XXXX credit score reassigned.

. 












then

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MAJR Financial Corp
State: FL

Complaint narrative:
Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point, I am being denied on my acquisition of credit due to the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. CHAPTERXXXXBANKRUPCTYDISCHARGED XXXX XXXX  XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$1500.00} XXXX {$3300.00} XXXX XXXX {$860.00} XXXX   XXXX {$710.00} XXXX   XXXX {$1500.00} US DEPT ED XXXX {$6300.00} USDOE XXXX XXXX {$49000.00} USDOE XXXX  XXXX {$3700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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:
To whom it may concern, I have made multiple attempts to reach out to Experian to dispute several accounts that are inaccurate and unverifiable. I've attached the dispute letter which has received no response for over 60 days. Due to this delay and neglect, Experian has failed to follow federal laws as outlined by the FCRA. 

These negative accounts have caused me much personal grief and I have attached my demand to comply letter which has been ignored. I have proof of my letters being delivered on time through USPS certified mail. There is absolutely no excuse that in the last two months Experian has refused to respond. 

I would appreciate your help in resolving this issues and helping Experian comply with the federal laws made to protect consumers such as myself. 

Thank 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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX 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 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Enterprises, LLC
State: KS

Complaint narrative:
I have been receiving calls from Revenue Enterprises LLC for months. I do not talk to them. Their message says they are a debt collection service. They do not say who owes the debt or use my name. I do not owe any debts so I think this is a scam. They are located in XXXX. Co. Their telephone # is XXXX XXXX XXXX but they leave a different call back number. I would think that not getting a response from me they would send a written notice if they are legit. Please advise me on how to get the calls to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: TX

Complaint narrative:
On XX/XX/2020 I filed a complaint of fraud. Someone in XXXX was using my Direct Express without my permission. Direct Express was very good, getting money back to account very fast. They then issued me another card # XXXX XXXX XXXX XXXX but it would not work. Issued another card # XXXX XXXX XXXX XXXX which I was not able to use. After many times of calling Direct Express and holding an average of 45 minutes, the line was disconnected. I wrote them a letter about the situation but was never answered. I need my money, that is my bill payment money. I do not what to do. My balance is about {$1700.00}. What should I do.this is upsetting me so much. My SS # XXXX. 
Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mortgage payment for XX/XX/2020 and XX/XX/2020 went to XXXX XXXX  rather than the intended Mortgage holder which XXXX/PHH. I have contacted and provided proof of payment but they don't offer a solution. They refuse to help becuase I dont have an account with them, but they have my money. My mortgage is XXXX each month. I have borrow money for the missing payment to make a second payment for XXXX. It appears I will not be able to make a second payment to cover the second payment lost for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: UT

Complaint narrative:
My Complaint is with Equifax the credit reporting agency and XXXX. Equifax is only reporting my credit score as XXXX and XXXX is reporting as XXXX, this is due to the fact that they will not remove old issues and public records from my report. I filed a bankruptcy in XXXX of XX/XX/XXXX and the bankruptcy was discharged in XX/XX/XXXX, 8 years ago. Every aspect of the bankruptcy has been met and my credit score with XXXX who is no longer reporting the bankruptcy is showing XXXX. I have disputed this fact with both XXXX   and XXXX multiple times over the last year and they keep denying stating it is reporting correctly and it is not. I feel as though this is a prejudice and I am being discriminated against on my credit reports. I am trying to get my score up to close on a home loan and I can not nor have I been able to for the last year due to this mis reported information. My FICO score is showing as XXXX as well however I am being punished for something that happened 8 years ago due to my husbands company going under during the economy collapse. It is seriously by law only allowed to be reported for 7 years after the discharge which is now 8 years ago. Please fix this asap so I can buy a home. I have paid off mostly everything else off in my credit report and this is just discrimination when this should have been removed over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the dates below : 30 days late as of XX/XX/2018 and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2020 a perpetrator used some type of scanner to acquire my XXXX XXXX XXXX Credit card and then purchased approximately {$200.00} in gift cards right behind me at XXXX XXXX. I realized the charges had occurred on XX/XX/2020. I contacted XXXX XXXX and they reviewed video of the incident. I filed a police report. I disputed the charge with my bank ( Bank of America ). My bank said they would investigate. On XX/XX/2020 I received and email notification that my bank had concluded their investigation and found no evidence of fraud, so I was not reimbursed for the charges. 

My concern is that XXXX XXXX indicated no one at Bank of America had reached out to them. So it appears to me they simply denied my claim without investigating. This is just absolutely disgusting in my opinion. Bank of America has failed me on multiple levels here. They failed to protect my finances. They failed to investigate what has happened. They have failed to fairly treat someone who has been a loyal customer of theirs for more than XXXX years. They have indicated it was more XXXX XXXX fault than their own.

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 2020-08-12 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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. CHAPTERXXXXBANKRUPCTYDISCHARGED XXXX XXXX  XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$1500.00} XXXX {$3300.00} XXXX XXXX {$860.00} XXXX   XXXX {$710.00} XXXX   XXXX {$1500.00} US DEPT ED XXXX {$6300.00} USDOE XXXX XXXX {$49000.00} USDOE XXXX XXXX {$3700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1700.00}

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 2020-08-12 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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. CHAPTERXXXXBANKRUPCTYDISCHARGED XXXX XXXX XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$1500.00} XXXX {$3300.00} XXXX XXXX {$860.00} XXXX   XXXX {$710.00} XXXX   XXXX {$1500.00} US DEPT ED XXXX {$6300.00} USDOE XXXX XXXX {$49000.00} USDOE XXXX XXXX {$3700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1700.00}

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 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC
State: LA

Complaint narrative:
I had a credit card with the XXXX XXXX ( XXXX ) before my husband was laid off. We never missed a payment before his layoff. When we was notified about his layoff last year. I call XXXX XXXX ( XXXX ) and let them know what was happening and ask if their was a way to suspended the account. They told me no and that we would have to figure out a way to make the payments on the {$500.00} limit credit card. When we had to stop making payments we only owed around {$300.00}. Fast forward to XX/XX/2020, I called XXXX XXXX ( XXXX ) to try to arrange a pay to delete on the account that now has gone up to {$700.00}. I am told that the account was sold 3 days previously to GC Services and that I must call them. I have never received any validation from them on this debt. But because this is destroying my credit in the middle of my husband and I trying to buy a house I wanted it off of my report fast. I called GC Services on XX/XX/2020 and spoke to XXXX and asked to do a pay to delete and offered {$400.00}. She spoke to her mangers and asked if I could pay {$490.00}. I agreed if she agreed that this would make it paid in full and and not a charge off and she said that it would and I would receive a letter in the mail stating that. Again this was only a {$500.00} limit credit card. I received 2 letters in the mail from GC Services, The first saying they received my payment and my account is settled. The next is stating the date of XX/XX/2020 and the amount of {$490.00} I paid to settle my account. Neither one stating what she agreed to. After the payment cleared they still have the account as a charge off and change the amount from {$700.00} to {$210.00}. I have the whole conversation recorded because I had a feeling they might do something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: FL

Complaint narrative:
Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud.

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 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I found accounts in my credit report that I didn't originate or applied for, these account are fraudulent and need to be removed from my credit report immediately. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, statement are not quialify proof, you must remove the accounts listed below : CAPITAL ONE BANK Account Number : XXXX ; XXXX Account Number : XXXX also filed identity theft report with the FTC with the items in question. 
Please help me resolve this matter, Thank you. 


Remove this account from my credit, do not contact me by phone only contact me by mail or through CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 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: UT

Complaint narrative:
My Complaint is with XXXX  the credit reporting agency and Transunion. XXXX  is only reporting my credit score as XXXX and XXXX is reporting as XXXX, this is due to the fact that they will not remove old issues and public records from my report. I filed a bankruptcy in XXXX of 2012 and the bankruptcy was XXXX in XX/XX/2012, 8 years ago. Every aspect of the bankruptcy has been met and my credit score with XXXX who is no longer reporting the bankruptcy is showing XXXX. I have disputed this fact with both XXXXn and Transunion multiple times over the last year and they keep denying stating it is reporting correctly and it is not. I feel as though this is a prejudice and I am being discriminated against on my credit reports. I am trying to get my score up to close on a home loan and I can not nor have I been able to for the last year due to this mis reported information. My FICO score is showing as XXXX as well however I am being punished for something that happened 8 years ago due to my husbands company going under during the economy collapse. It is seriously by law only allowed to be reported for 7 years after the discharge which is now 8 years ago. Please fix this asap so I can buy a home. I have paid off mostly everything else off in my credit report and this is just discrimination when this should have been removed over a year ago.

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