vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 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: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXXXXXX - Account : XXXX Creditor : XXXX   XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing in regards the response Kohl 's made to my complaint. They continue to fail to address the issue in my complaint. They continue to go around the real issue by stating I am requesting they create an inaccurate representation of the status of my account, quite the opposite. I was told by customer service representative hired by their company ; provided me with information as to how I should make a payment to my account. If this information was incorrect and XXXX 's payment could not be divided within the two months I should not be penalized for this incorrect information. I did as a I was requested to do so that my account wouldn't reflect a thirty day late on my credit report. My record speaks for itself of never being late with this company or any other company that conduct business with. As a consumer who takes very seriously the importance of having and maintaining good credit ; this company should in good faith take into consideration the validity of my complaint. And not just view this someone trying to abuse the integrity of the credit reporting system!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company is reporting wrong innacurate personal information in 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 2020-04-28 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: AL

Complaint narrative:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitations in CA. This debt needs to be removed off 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 2020-04-28 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:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible 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 2020-04-28 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:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible 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 2020-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
In XX/XX/2018 a vehicle was purchased and I was listed as a co-signer. After the primary borrower neglected to pay I never received notification that the primary borrower was behind on payments. After the car company sold the vehicle for more than the balance owed on the vehicle and is still attempting to collect it. I am asking that this car company provide the bill of sale for this transaction which proves I do not owe anything for this vehicle. Also, I would like them to prove that they notified me when the borrower failed behind on payments. According to the Fair Credit Reporting Act, creditors must notify borrowers and give them at least 30 days to dispute the validity of debt before placing it on someone's credit report, this right was denied to me.

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 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: IL

Complaint narrative:
( Creditor ) XXXX XXXX XXXX sent a bill to Enhanced Recovery Collections ( XXXX ) XXXX XXXX XXXX XXXX FL XXXX Phone Number - XXXX Sent to collection XX/XX/XXXX in the amount of {$1200.00} it is my intent to pay this bill and have it removed from my Credit Report but XXXX is saying they have no record of the bill and when I called the Enhanced Recovery Collection Co. the  phone 's voice mail is full and I'm unable to leave message. 
The service was opened on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 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: AL

Complaint narrative:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted 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 2020-04-28 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: AL

Complaint narrative:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted 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 2020-04-28 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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX my husband and I had identity theft and fraud. It was so bad I closed every credit card we had. Then I went in a huge XXXX. I stayed in bed and wouldn't leave the apartment for a 1year. It was terrible what I did to myself. I'm a retired XXXX  of 30 years. And my FICO score went from XXXX to dirt beneath my feet XXXX something. About a year or so I called all my creditors from the XXXX fraud. I set up payment plans with everyone I owed over {$500.00}. Anyone I owed under {$500.00} I paid them off with cash.. Then on XXXX XXXX thru XX/XX/XXXX we had identy theft and fraud again. Therefore I worked with XXXX XXXX  to get all the fraud transaction removed. During that time my bank had to reissue 4 different times a new debit card. The fraud was in the thousands. It was crazy. The fraud happened on the XXXX XXXX line. After our checking account was all cleaned up I purchased XXXX XXXX and XXXX because I was not going to deal with a 3rd time having identity theft and fraud.. Now we are doing catch up..

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 2020-04-28 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theatre. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters of several unpaid accounts that I have never open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX  XXXX XXXX {$1100.00} XXXX XXXX & XXXX XXXX {$3600.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$3100.00} XXXX  XXXX/XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I am unable to link my PNC account with 3rd party accounts ( rent collection websites, etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I paid off my Bank of America Master credit card for {$18000.00} on XX/XX/2020. On XX/XX/2020, I received the credit card statement for {$100.00}. I called the Bank of America ( BOA ) customer service to remove {$100.00} and she said the fee can't be removed. Furthermore, the customer representative didn't give a clear reason why I am being billed when I already paid off the credit card balance including the interest fee. 

The Bank of America application payment page on a desktop computer is misleading and confusing. 

1. When I make a payment, the application didn't give me a chance to review my request before it submitted the payment.

2. The application doesn't allow me to remove my bank information even there is no pending transaction.

3. The application doesn't clearly show the payment statement.

4. The email confirmation notification doesn't show the exact amount that was paid. The email displayed 'the minimum amount due, Amount Due, and Account Balance ''.

I had to pay for {$100.00} so the Bank of America won't add more fees. I should not have been billed.

I would like CFPB to look into these issues. I believe BOA is wrongly charged me and they aren't transparent with their charges, fees, their web application, and email notification for payment confirmation. 

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 2020-04-28 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: GA

Complaint narrative:
The company is reporting wrong innacurate personal information in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TX

Complaint narrative:
Transunion is showing my student loans accounts open and into collection. My student loan should be deleted from my credit line due to my school and the collection agency losing a lawsuit filed against them. They no longer were able to gain any money from students due to them losing the lawsuit. I have got my student loans deleted and closed off on my XXXX and XXXX credit score due to the evidence given to them. Transunion is still showing my accounts open. I need to dispute this again due to me no longer being responsible for these accounts.

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 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
Call today Cal XX/XX/2020 to Caliber Home Loans where I have the mortgage on my house to ask for help because of or Covid-19 my work is reduced by 50 % weekly hours. The response was that Caliber suspends at 3 months I pay them. After 3 months I have to pay the 3 months at once!! na truth 4 months is impossible! What help is that??? I think Caliber does not want to help its clients!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
In XXXX of 2019 I received a letter from XXXX XXXX stating that my mortgage had been sold to them from Cardinal Financial and that I would be receiving a package stating where to pay my XXXX payment. I never received anything from them in XXXX and on XX/XX/XXXX received a late notice from Cardinal Financial and that I needed to send a payment to them. I then send a payment for XXXX, XXXX, and XXXX to them. I then contacted them and let them know what had happened and that I never received anything from XXXX XXXX on where to send the payment. I also let them know that I paid the XXXX payment and 2 months in advance. They stated that there was nothing more I needed to do and that they would note on the account the issues. When I ran my credit report in XXXX it should that they reported me to the credit bureau for missing 1 months payment. I then called and asked what I needed to do to get it taken off the credit report and they told me to email them a letter asking for it to be removed and to send them a copy of the credit report. I did all of that and have been trying to get in touch with them to see what the status is and they are not returning my calls and have not returned my emails. Nothing has been done to resolve the matter with them and they have not removed the ding from my credit like I was told would happen. This is disappointing because I have owned homes for over 20 yrs and have never been late with any payments until now due to the misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC will not allow me to sync my account with apps or other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: FL

Complaint narrative:
over the past couple of months, i have requested from all 3 credit bureaus that i need to see verifiable proof of what is being reported is 100 % accurate. i have asked for documents that bear my signature as proof. all 3 credit bureaus have failed to produce any documents or explain to me how these negative accounts on my file were verified and through what manner they were verified. all i am getting is a generic response from them that it was verified, and no reason or explanation on how, or who they spoke with or what documents were provided to verify the negative accounts that i have disputed.

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 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: AZ

Complaint narrative:
On XX/XX/2020 at XXXX we were contacted by DIRECT RECOVERY SERVICES ( XXXX ) looking for XXXX XXXX. Upon connecting to an operator I explained he is calling a company and the operator immediately hung up on me. I have placed several calls to this company trying to get our number removed off this persons file and every time the operator hangs up the call and refuses to remove our number. These constant calls are becoming a nuisance and need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: WV

Complaint narrative:
I received a Visa cash card in the mail on XXXX. I never requested this card. I do not use square or the cash app. The envelope it came in is addressed to me but the address is not correct. Top right corner of the card has $ XXXX which is unfamiliar to me and has my name on the back of the card. No contact info came with the card to call for customer assistance. XXXX company, unable to reach anyone via phone. Instructed to access app for assistance but I do not have an account nor wish to open one. Of course I am not activating this card but want to make sure my credit and identity is not compromised with this card.

Company response to consumer: Closed with explanation