vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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: MS

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 719XXXX has me at a score around 590. 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 .This 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2022-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
I have no recollection of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase credit card Open XX/XX/2013 Fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: FL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2022-02-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I have a loan with CHRYSLERCAP with account number XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX up to XX/XX/XXXX. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: FL

Complaint narrative:
I am having many problems with the 3 Credit Reporting Agencies/Bureaus XXXX They are mixing my file with someone who is deceased. I have disputed this with them for the past year and they have not corrected the accounts. Equifax will not even report a score and XXXX sent me a letter saying that they have me as deceased even though they show me making ontime payments on my own accounts and late payments and collections on the ones that are from the deceased person. 
These issues have caused me and my family great difficulties and stress for the past 5 years. I have sent proof of my identity with documentation and pictures with my Florida issue Driver 's License. They have either not responded or ignored my requests or simply told me it's been verified with sending proof or an explanation of how it was verified. Please help me resolve this matter. The pandemic has taken a toll on our family. Both financially and physically and I am unable to apply for a loan because of their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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 2022-02-15 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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently have reviewed my credit reports and show an inaccurate/ incomplete account being reported to my credit file by Equifax XXXX I have disputed with Equifax and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report. 

No furnisher Information Account No XXXX Closed Date " not being reported '' Account Status " Open : - Inaccurate if there is a closed date reported above!!! 
Balance {$0.00} Last Payment XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: GA

Complaint narrative:
I want the items removed, I have called several times and written letters to the credit bureau with no help. Please remove the items below : XXXXXXXX XXXX  XXXX in the amount of XXXX. 
XXXX XXXX XXXX in the amount of XXXX. 
XXXX XXXXXXXX XXXX in the amount of XXXX. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) XXXX in the amount of XXXX. 
XXXX XXXX XXXX in the amount of XXXX. 

*****All items are showing incorrect info and should be removed from my credit report******

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CA

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 non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I paid the balance in full in XX/XX/2021. They claim it arrived a day late. I was charged a late fee and finance charges, which created a new balance on the account. I was not aware of the late fee and finance charge, therefore did not make another payment by due date. I was charged another late fee and finance charge for the balance which consisted of a late fee and finance charge. I called the credit card company they refused to remove the late fees and finance charges. I tried to explain to them that i shouldn't charged more than XXXX fee for any single event or transaction that warrants penalty ( e.g. XXXX different types of late fees for XXXX missed paymentthink the legal concept of double jeopardy ). They disagreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15 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:
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 2022-02-15 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:
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 2022-02-15 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:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX are reporting inaccurate information on KAY JEWELERS with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the stated item below : XXXX XXXX Balance {$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
Consumer complaint received 2022-02-15 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports and please know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 

XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX202 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX/XXXX/2020

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 2022-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendmark Financial Services
State: OH

Complaint narrative:
I have sent multiple remittance payments to this company and they have dishonored all of them, also they are not in compliance with 12 cfr 1005.30. Further more in the security agreement they have not informed me as to what is the security given. So I ask now what is the security interest that I the consumer have given in this transaction? Is the contract not between the seller and the creditor as defined in 16 cfr 433.1 ( f )? I as the consumer only have an consumer credit contract as defined in 16 cfr 433.1 ( i ) that evidences a debt from a purchase money loan. Nothing in this security agreement makes me liable for any payment or be subject to the injuries i have received from the parties non compliance. Due the the non compliance of the Seller ( XXXX XXXX XXXX ) taking a {$1000.00} downpayment from me and the creditor ( LENDMARK FINANCIAL SERVICES ) unlawfully taking my property forcing me to make payments on a security agreement that I endorsed as the contract between the seller and creditor. I am the injured party and I am receiving financial injury from all both parties by way of false and deceptive forms and false and misleading representations. The seller and creditor both are not in compliance of the truth in lending act and regulation z. Seller was instructed by the creditor to place a fictitious lien on my property title that I the consumer was using for personal family and household purposes where there was no lawful grounds of doing so and this was done by way of forgery ( 25 cfr 11.416 ). I have not signed a power of attorney to either party that grants either party to take these unlawful acts against me. Furthermore I was not given full disclosure as required by 12 cfr 1026 from either party nor was I given required right of recession forms as required in the truth in lending act ( 15 usc 1635 ). Attached is the multiple remittance that where dishonored. Please be advised that due to fraud and lack of full disclosure i am now exercising my right of recession. Upon notice of this correspondence consider notice of rescission given and please return to me all things required and see that the security interest is terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/21, my Wells Fargo Credit Card ending in XXXX had fraudulent charges from XXXX XXXX in XXXX XXXX. The first charge was for tickets in the amount of {$1700.00}. The second charge was for food vouchers in the amount of {$980.00}. I immediately called Well Fargo to report the charge and they closed my card ending in XXXX and issued a new card. On XX/XX/21 I received a voicemail from Wells Fargo to call them about my card that was closed. I immediately called back the number provided XXXX and spoke with a rep. She looked at my account and stated everything looked good and both charges are removed, account XXXX was closed and I verified I had no unauthorized charges on my new card. I few days later, I see the good voucher amount of {$980.00} posted back onto my new credit card and has a posting date of XX/XX/21 which I believe is incorrect due the the date I spoke with Well Fargo on XX/XX/21 and verified all charges and {$980.00} was not posted. I get a letter from Well Fargo stating they found the charge of {$980.00} to be valid. I have had Wells Fargo re open my case twice, asked for reasons they deemed food vouchers valid yet tickets purchased were identified as fraud. I have not received any paperwork showing their investigation and reasons. I have asked for a supervisor to call me and no return call. I recently opened a City of XXXX Police Report XXXX. I refuse to pay charges that I did not authorize. I feel Wells Fargo investigation department is not properly doing their research when they determine XXXX XXXX tickets were fraudulent, but food vouchers from XXXX XXXX are valid.

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 2022-02-15 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: AZ

Complaint narrative:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verified and investigate those accounts. The 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I have been aware of the PSLF program since XXXX. I completed a degree through XXXX in XXXX so I could work in the medical field and take advantage of the loan forgiveness program. I have contacted my loan servicer, Nelnet, in XXXX to make repayment arrangements. I was suppose to be on the low income payment program as I was making $ 31k/year. I decided to go back to college in XXXX and completed a XXXX program. I called and spoke with a Nelnet representative concerned about repaying my previous loan and they informed me that my loans automatically go into deferment because I'm in school and that I wouldn't have to worry about paying while in school but didn't inform me that I could still have my previous loan under low income so payments will count towards loan forgiveness. In XXXX I called Nelnet to make a lump sum payment of $ 7k towards my loan XXXX. The representative suggested that I consolidate my loan but omitted to mention that consolidating my would would restart my old loan from XXXX again and I would miss 7 years of repayment! I called Nelnet again in XXXX to discuss what I needed to do do to apply for loan forgiveness as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The rep told me that I was never put on that program and that I would have to start all over again in loan payments!!!! They have charged me an additional $ 10K in interest towards my loan and no resolve to this! I'm still to this day unable to get them to help me and put me on the correct repayment plan! Their customer service is useless and they do not care about the borrower.

Company response to consumer: Closed with explanation