vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 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: NC

Complaint narrative:
In 2020, I received a statement of settlement and account paid in full from both XXXX and XXXX, XXXX. Despite my attorney reaching a settlement and paying the requested {$2000.00} both companies proceeded to file delinquent charges of {$4800.00} against my credit report. I have submitted a dispute and attached documentation from both companies verifying settlement and account paid in full to Experian yet, this credit bureau refuses to update. This delinquent charge is still showing on my credit report and adversely affecting my ability to purchase a home for my family. Any help with this stressful issue would be greatly appreciated! 
Best regards, 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 non-monetary relief
Consumer complaint received 2021-08-27 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Checked my credit report and it shows hard inquiries from the following : XXXX XX/XX/2020 JPMCB CARD XX/XX/2020 JPMCB CARD XX/XX/2020 I've disputed these inquiries because I dont recall applying for these accounts. 
I think these are fraudulent. I would like the inquiries deleted from my credit reports. I've checked with the companies on the issues and was told that there's nothing they can do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
I have a FHA mortgae through XXXX XXXX  and serviced bt Flagstar Bank. 

I have been in a COVID forbearance since XX/XX/2020 due to a reduction in our household income. 

I have never received information regarding the numerous COVID related hardship plans. Then I read a HUD article on the many options my lender and servicer should have offered me. 

I contacted Flagstar Bank, my servicer at the end of XXXX and was told they could not discuss any options available to me until my forbearance was over or no sooner than a month prior to the forbearance ending. 

In the middle of XXXX I contacted Flagstar again and demanded that they discuss my options and explained to them I have read the HUD information and even called HUD who confirmed my servicer should have discussed these options with me. I was told I was only eligible for a standard streamline modification. I again explained this was not my desire. The employee told me they were not aware of any COVID related options. Then demanded either my paystubs or bank statements to be uploaded to their website. Only having access to my bank statements, I uploaded them as directed. I called 2 days later and was again told I was only being considered for a streamline mortgage. I demanded to speak to a manager and again explained to the manager that I read the HUD article and spoke to HUD who confirmed the various COVID related options. I asked to be considered for the COVID option to achieve a 26 % reduction in P & I through the interest rate reduction to the HUD Published rate of 2.85 % or within 0.125 of the rate. 

The manager explained he would send an email to the team working on the streamline and have them change the request. 

The final outcome was not a 25 % reduction to P & I nor an interest rate reduction to the HUD published rate. When I questioned Flagstar about why they did not follow HUD guidelines, I was told this is all the investor - XXXX XXXX would allow.

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 2021-08-27 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: American First Finance, Inc.
State: WI

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: FL

Complaint narrative:
i had a account with XXXX  XXXX  from XX/XX/XXXX. i paid the debt off but instead of it reporting as debt paid and closed it is wrongfully reporting as collection/chargeoff this debt was paid two years ago. i spoke to a XXXX rep on XX/XX/21, they assured me a manager was going to call and it is XXXX  & experian  who refuses to put correct status on the report this effected me horrible and drop my score over 200 points and i can not receive my fha loan for my house. i am a father of XXXX  living a middle class life. i need my credit to reflect correctly, i owe no one and this was not reporting on my XXXX  at all, i would like this to be deleted off my XXXX  & experian  asap so i can purchase my family the home they deserve its irresponsible & unfair. I sent a demand to comply & method of verification 2 weeks ago because i havent had any communication.

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 2021-08-27 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: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2021-08-27 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: NY

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/2021, a charge of {$82.00} was added to my card. My card was stolen and this was a fraudulent transaction. However, my credit card is telling me to contact the merchant for a refund, whom, I don't know since the I never made the purchase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting a bankruptcy on my credit report. They have stated that this information is verified. I have contacted the original reporting agency and have been advised that they didn't report my information to these credit bureaus. I have attempted multiple times to remove.Please have this information removed from my profiles immediately.

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 2021-08-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed oFf a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
L J ROSS ASSOCIATES at XXXX XXXX XXXX, XXXX, MI XXXX has been sending me collection notices in the amount of {$460.00}. The collection has been reported as past due. I do not know this company. I have never did any business with this company. This company does not have a contract with my signature.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed of a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Lueder Law Firm, LLC
State: GA

Complaint narrative:
The Home Owners ' Association where I live has been sending me demand for fines that I do not owe. I have filed a complaint against those demands in magistrate court, but their attorney, XXXX XXXX XXXX, of Lueder , Larkin & Hunter , LLC has sent me a certified letter on XX/XX/2021 with an amount that is not even in the invoice that the HOA has sent me before and since.

The Law Firm has threatened to sue me if I do not pay this amount. I am already disputing the amount that was in the invoice, but in the demand letter, Lueder, Larkin & Hunter , LLC has misrepresented the amount and the violations for which the amounts they are demanding.

The amount in the invoice the HOA sent me was {$2500.00} plus interest ( which I don't owe ), but the law firm is demanding that I pay {$4600.00}, for violations that aren't mentioned in their invoices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote Equifax on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Experian is reporting a bankruptcy on my credit report. They have stated that this information is verified. I have contacted the original reporting agency and have been advised that they didn't report my information to these credit bureaus. I have attempted multiple times to remove.Please have this information removed from my profiles immediately.

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 2021-08-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lincoln Educational Services Corporation
State: NY

Complaint narrative:
The school has been paid through the VA and federal grant. They were penalized for issues on there end and the federal government took back the pell from them and now the school is threatening me. I also did not give them permission to run my credit but I was alerted today that they ran my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed of a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CA

Complaint narrative:
I mailed of a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 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: NJ

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has Fraudulent accounts on my Credit Profile that needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: GA

Complaint narrative:
I filed a dispute in regards to the inaccurate items listed on my consumer report. I never gave the Tri-bureaus ( Equifax, XXXX, and XXXX  ) written consent or authorization to procure or produce this information, according to 15 USC 1681 ( b ) 2. Due to the nature of this consumer report it has defamed my character to lenders and created emotional distress because of my denial of housing. Another violation which comes to my attention is 15 USC 1681B ( ii-iii ), stating that if any information has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion no later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into my consumer file that I did not give permission to produce. Please delete the accounts listed below due to several violations of the law. The companies in question for the alleged debt are as follows : XXXX/XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
this complain is for Binance.us exchange. I have made two SOL ( solana ) crypto transfer transactions from other wallet into my binance.us wallet account on the same day of XX/XX/2021. First transaction with the amount of XXXX SOL= {$250.00} ( with the price of {$65.00} per coin ) at that time, transfer from XXXX  wallet to binance.us wallet ( The transaction showed success ). Second transaction with the amount of XXXX SOL = {$1700.00} ( {$65.00} per coin ) at that time, transfer from mathwallet account to binance.us wallet ( also showed success on the transaction ). But then no crypto showing up on my binance.us account more than 3 days after the day i made the transfer so I submit a request through binance.us support service and got an email saying they forward my problem to their technical expert team and get them resolve asap! Now is more than a week since they sent me that email and no reply till now with any update on the problem. I have those two transaction submitted below. Please help me complain this to binance.us exchange and retrieved my missing crypto. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: AZ

Complaint narrative:
Contacted equifax on 2 occasions. Each time the account I want to dispute is unavailable to dispute. However the same account is correctly reflected on other 2 major credit reporting agencys. 

XXXX XXXX account shows active with balance, however has been paid off for nearly 6 mos. I can not believe equifax is even used when their data is soo outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: MS

Complaint narrative:
Experian and XXXX  states that XXXX XXXX has provided them a copy of my credit file that states that I have a chapter XXXX bankruptcy that was discharged with the reference # XXXX. I spoke with a representative at XXXX XXXX who stated that this information was not sent to Experian or XXXX  and that this record is not on my XXXX XXXX file. Someone is furnishing incorrect information that belongs to my father XXXX XXXX XXXX. I have been trying to get the situation cleared up with Experian and XXXX  for 2 years and they have failed to investigate this issue and remove the record even with proof from the bankruptcy court in question and a copy of my XXXX XXXX report from XX/XX/XXXX. This is my second or third complaint filed on these companies and each time they close the complaint with promises of investigating it then closed the dispute out without fixing anything. In fact they rotate between saying that the court verified this information then XXXX XXXX verified it. I've contacted the court and they continue to say that they do not report records so that's a lie.. I've also contacted XXXX XXXX who say that they do not report this information.. which is another lie.. Stop ruining people lives and understand that it is you'll civil duty to remove this record because it does not meet the FCRA guidelines.. Warning false and misleading reporting is a violation that I can seek compensation for!

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 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. My information was obtained without my knowledge and was used for monetary gain. The following accounts are not mine.

CMRE FINANCIAL {$3500.00} account number- XXXX XXXX XXXX XXXX XXXX {$19000.00} account number-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT ON THE REPORT IS AN ACCOUNT THAT HAS BEEN PAID IN A SETTLEMENT AGREED BETWEEN ME AND THE COMPANY. SINCE THE ACCOUNT HAS BEEN CLOSED AND SETTLED, I AM REQUESTING REMOVAL OF THIS ACCOUNT OFF MY CREDIT FILE. IT HAS BEEN TARNISHING MY CREDIT AND I AM IN DISTRESSED THAT IT HAS BEEN HOLDING ME BACK FROM ACQUIRING NEW CREDIT. PLEASE HONOR MY REQUEST AND HAVE THIS ACCOUNT REMOVED OF THE CREDIT.

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