vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 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: NV

Complaint narrative:
I previously submitted a complaint for Equifax not reporting my credit score properly. That issue was resolved and miraculously they added XXXX  points to my credit score when the changes at that time we're to account balance is going up. Now once again they show me paying off a card and one card increasing for less than the amount of the car that I paid off and they drop me XXXX points again. I had to submit a complaint before and after the second complaint they resolve this issue but now the issue has returned. There is no logical reasoning that I pay off an account and my credit score decreases but I use a card in the amount due on those cards increase in my credit score increases. There is something clearly wrong and Equifax the system when it comes to my credit reporting and this needs to be completed and fixed immediately. THE ISSUE IS EQUIFAX IS IMPROPERLY REPORTING AND SUBJECTING MY SCORE TO INVALID POINT DROPS WITH NO EXPLANATION. OR THE EXPLANATION IS A NEGATIVE ACCOUNT REMOVAL AND PAYING DOWN CREDIT BALANCES RESULTS IN A NEGATIVE POINT DROP!! THEY NEED TO FIX THIS NOW. I have called several times to no avail again. So I am hoping that you can assist with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: CA

Complaint narrative:
I noticed that there was a medical bill reporting to my credit and I believe that medical bills were supposed to be private information and I never gave out my medical information to any collection companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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 noticed that there was a medical bill reporting to my credit and I believe that medical bills were supposed to be private information and I never gave out my medical information to any collection companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We paid off our mortgage in XXXX with Chase mortgage in the amount of {$130000.00}. It does not appear on our credit report. It is in good standing and paid off it should still be on our credit report. When attempting to get JP Morgan Chase and the 3 credit company 's to put it back on our credit report they never did.This effects our credit score. It shows we have no credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Trojan Professional Services, Inc.
State: CA

Complaint narrative:
Hello there, Few days ago I found a collection notice in my credit history while checking XXXX app and become very surprised because I always pay my bills. Same day I visited company ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA - XXXX  ) associated with the record and paid everything in full : {$230.00} reported as bad debt. I asked to recall the claim and remove this record because I was never informed that I owe something to this company, however they told me that they cant do that. 

So, here I am looking for an advice and there is a full story below. 

First of all, I always pay my balance at the front desk right after appointment if asked and never had payment issues. 

My kids had been receiving treatment in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX CA from XX/XX/XXXX through XX/XX/XXXX. 

They havent received dental care from XXXX XXXX XXXX as we changed dental clinic since XX/XX/XXXX. 

Also, on XX/XX/XXXX we moved to new house and so our mailing address has been changed. 

Full forward to XX/XX/XXXX : I was checking my XXXX account and found that I have {$230.00} debt collection from XXXXXXXX XXXX XXXX XXXX XXXXn on my account since XX/XX/XXXX. 

I visited this dentistry and paid my balance in full same day. Then, I called them and they connect me with the account manager who told me that they tried to notify me by mail and made several attempts to call me. I asked to recall claim because in fact I was never informed even about existence of the balance/debt, but they declined. 

I double-checked up my voicemail records since XX/XX/XXXX and found only three voicemails from XXXX XXXX XXXX from XX/XX/XXXX that says that theyre canceling my kids appointment due to California guidelines ( Covid related ), on XX/XX/XXXX asking to call them back, and XX/XX/XXXX account manager called me and asked to call them back in my best convenience. I am getting tons of such calls and consider them as a spam, so I did with these because they did not provided me with any information about pending balance or payment issues. 

Simply speaking, I didnt receive any letters, phone calls or emails informing about my medical debt from the clinic. 
I understand they might be sending mails to my old address, but even with turned on mail forwarding feature I did not receive any correspondence. 
However, they had my cell phone and email which could be used to inform me. Which they did not, while claiming that they did. 

My question, should this be considered as unfair practice and a reason to remove my collection record from the credit history?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
During XXXX the covid 19 could not make a payment because everything was shout down they charged me late payment and i would like it to be remove and up date my account the dont send me no bill of my account what was paid it supoose to be paid out in full i made my last payment in XX/XX/XXXX of XXXX they did not put nonting on my account of being paid out

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
TRANSFER BY AMEX SAVINGS ACC TO XXXX XXXX XXXX XXXX  ON XXXX WAS NOT RECEIVED IN THE AMOUNT OF {$300.00}!! - AMEX TRACE NR XXXX!! SEE ATTACHMENT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
on XX/XX/XXXX I sent a letter to all three credit reporting agencies for inaccuracies on my personal information. Ive sent two follow up letters XX/XX/XXXX and XX/XX/XXXX, and still nothing has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One is affecting my credit. They have false / erroneous items on my account .... These erroneous items are affecting me tremendously. I have called to have the information removed these false late payments are dragging my credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: Nelnet, Inc.
State: FL

Complaint narrative:
Please Be Advised I have wrote multiple of letters. The inaccurate accounts remain on my credit report ( US Dept Of ED XXXX in the ( Date Opened, last reported, Date last Active, Date of last payment section. XXXX  is reporting different information than XXXX  is reporting show that there is a late fee which is also incorrect account was never late. These accounts seem to be furnished by the same creditor so why is all provided data different. It is your duty to insure that all information that reported is consistent and most importantly accurate and you have failed to do so please Delete this erroneous item immediately. 

Attached you will find documents of the account. 

If you find that the information is inaccurate I am asking for the account to be removed from my credit report as soon as possible please. 

Account name XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX  XXXX  Account XXXXame US Dept ED US Dept ED Account Number XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Last Reported XX/XX/XXXX XX/XX/XXXX Date Last Active XX/XX/XXXX XX/XX/XXXX Date Last Payment XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
The Collection Bureau of Hudson Valley Inc. has falsely accused me of being the owner of an account that is not mine and for a service that I have never utilized. Despite multiple conversations with a member of Collection Bureau of Hudson Valley Inc. in the early months of the year, I have spoken to a representative within the Collection Bureau of Hudson Valley Inc. twice in which I claimed and informed them of my disassociation with the account and implied/explained that my name was being fraudulently used for the services in which they are representing. I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges for XXXX XXXX. 

Despite my claim of disassociation from the account and the fraud lock and alert on my credit report for nearly a year, the collection agency reported a fraudulent account to the credit bureaus, severely damaging my credit reputation across all bureaus except XXXX, which promptly and efficiently removed the false collection account from my credit. Because there is a fraudulent lock and report on all of my credit reports, and they have completely ignored all of the risks associated with reporting false information and failing to respond to any requests for verification of the collection amount/service used, the Hudson Valley Inc. Collection Bureau is clearly inadequate and incompetent in its investigative process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: PA

Complaint narrative:
XXXX XXXXXXXX is affecting my credit. They have false / erroneous items on my account .... These erroneous items are affecting me tremendously. I have called to have the information removed these false late payments are dragging my credit score down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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:
XXXX XXXX  is affecting my credit. They have false / erroneous items on my account .... These erroneous items are affecting me tremendously. I have called to have the information removed these false late payments are dragging my credit score down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I applied for a cash back American Express card with the terms to spend {$2000.00} in 90 days and you'll receive a {$200.00} cash bonus. After I spent the {$2000.00} within the 90 days, I did not receive the bonus. 

I contacted customer service and this is what I was told : " Welcome offer was denied on your account. Your welcome offer eligibility depends on whether you have had the card which you are applying for in the past as well as other factors. 
I'm sorry for the inconvenience. There are more factors involved than the number of accounts you have opened and closed over the years. Based on your history with American Express, we did not approve you for the welcome offer on this account. '' In the approved application, as well as the approval letter I received, it was not mentioned once that the card was approved but the bonus was denied. 

This is false advertising and a deceptive practice from American Express. While I was using the card thinking I was getting my welcome offer, American Express knew they were never giving it to me but they were happy that I was utilizing the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: Nelnet, Inc.
State: FL

Complaint narrative:
Please Be Advised I have wrote multiple of letters. The inaccurate accounts remain on my credit report ( US Dept Of ED XXXX in the ( Date Opened, last reported, Date last Active, Date of last payment section. XXXX  is reporting different information than XXXX  is reporting show that there is a late fee which is also incorrect account was never late. These accounts seem to be furnished by the same creditor so why is all provided data different. It is your duty to insure that all information that reported is consistent and most importantly accurate and you have failed to do so please Delete this erroneous item immediately. 

Attached you will find documents of the account. 

If you find that the information is inaccurate I am asking for the account to be removed from my credit report as soon as possible please. 

Account name : US Dept ED XXXX Credit Bureau XXXX XXXX Account Name US Dept ED US Dept ED Account Number XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Last Reported XX/XX/XXXX XX/XX/XXXX Date Last Active XX/XX/XXXX XX/XX/XXXX Date Last Payment XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: FL

Complaint narrative:
Please Be Advised I have wrote multiple of letters. The inaccurate accounts remain on my credit report ( US Dept Of ED XXXX in the ( Date Opened, last reported, Date last Active, Date of last payment section. XXXX  is reporting different information than TransUnion is reporting show that there is a late fee which is also incorrect account was never late. These accounts seem to be furnished by the same creditor so why is all provided data different. It is your duty to insure that all information that reported is consistent and most importantly accurate and you have failed to do so please Delete this erroneous item immediately. 

Attached you will find documents of the account. 

If you find that the information is inaccurate I am asking for the account to be removed from my credit report as soon as possible please. 

Account name : US Dept ED XXXX Credit Bureau TransUnion XXXX Account Name US Dept ED US Dept ED Account Number XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Last Reported XX/XX/XXXX XX/XX/XXXX Date Last Active XX/XX/XXXX XX/XX/XXXX Date Last Payment 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 2021-07-21 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 am suffering with a bad credit score because of incorrect reporting of late payments. I have been deferring my loans and on time every year since I have graduated. I was finally able to get my degree and have been searching for employment but I have found out that some places that I am applying for will not hire me because of my bad credit score. I have not debt except student loans and this information is inaccurate. By law, the bureaus are only to report accurate and factual information. I need this investigated and corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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 am suffering with a bad credit score because of incorrect reporting of late payments. I have been deferring my loans and on time every year since I have graduated. I was finally able to get my degree and have been searching for employment but I have found out that some places that I am applying for will not hire me because of my bad credit score. I have not debt except student loans and this information is inaccurate. By law, the bureaus are only to report accurate and factual information. I need this investigated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
XX/XX/2021, I XXXX XXXX ordered a copy of my LexisNexis Consumer Disclosure File to see what was reporting on my file. 
When reading my Consumer Disclosure File from LexisNexis dated on XX/XX/2021, I noticed an item in the business association named XXXX XXXX  which is associated with a person named XXXX XXXX. I have disputed this item at least twice and twice LexisNexis has violated the Fair Credit Reporting Act by re-inserting this item without notifying me within 5 days of reinserting the item. 
This has stop immediately or ill be forced to take legal action due to the re-insertion of this item back on my LexisNexis Consumer File.

Company response to consumer: Closed with explanation