vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 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: TX

Complaint narrative:
So basically the week of XX/XX/21 I called XXXX and asked how can I get late payments from student loans off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on XXXX  ' part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their CEO & CFO ) to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX ) and confirmed that the rep didn't " clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. 

After that didn't work I disputed my student loans and 1 collection entirely because the information across all three bureaus don't match up correctly XXXX XXXX percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. 

I and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
So basically the week of XX/XX/21 I called XXXX and asked how can I get late payments from student loans off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on XXXX XXXX part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their XXXX & XXXX XXXX to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX XXXX and confirmed that the rep didn't " clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. 

After that didn't work I disputed my student loans and 1 collection entirely because the information across all three bureaus don't match up correctly one hundred percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. 

I and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed 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 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 and XX/XX/2021, money was taken out of my chase account. The amounts were {$270.00}, {$29.00} and {$68.00}. I did not authorize these charges. Someone hacked into my account. XXXX reimbursed me, a few days later, then on XX/XX/XXXX, they swiped it out again. I did not authorize these transactions at all and when I spoke to chase, on XX/XX/XXXX, they refused to help me. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Account number : XXXX Unpaid Principal Balance : {$29000.00} Interest Amount Due : $ XXXX Late Charges Due : XXXX Advance and Other Expenses : XXXX I called the company PHH Mortgage Services XXXX XX/XX/2021 for information on the account they have under my name. The company could not find any record of the debt they are accusing me for. There is no record of the debt! I want the company PHH Mortgage to delete it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, PA, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CA

Complaint narrative:
There are 5 accounts that are appearing on my credit report that are not mine I have been mailing disputes to the bureaus and the furnishers saying these are not mine because I have not signed or used or accepted any of these charges or cards. 
The accounts are : XXXX XXXX XXXX - Acct # XXXX XXXX {$3700.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$11000.00} XXXX  XXXX XXXX - Acct # XXXX XXXX {$7300.00} XXXX  CARD- Acct # XXXX XXXX {$6600.00} XXXX CARD- Acct # XXXX {$9.00}

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 2021-03-30 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: CA

Complaint narrative:
There are 5 accounts that are appearing on my credit report that are not mine I have been mailing disputes to the bureaus and the furnishers saying these are not mine because I have not signed or used or accepted any of these charges or cards. 
The accounts are : XXXX  XXXX XXXX - Acct # XXXX XXXX {$3700.00} XXXX  XXXX XXXX - Acct # XXXX XXXX {$11000.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$7300.00} XXXX CARD- Acct # XXXX XXXX {$6600.00} XXXX CARD- Acct # XXXX {$9.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX dropped my credit fios 9 points after i filed disputes, now will not take any disputes, reporting incorrect balances, also i can not dispute transunion ore XXXX all i get is opps something went wrong.reporting incorrect balanced, paid off 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 2021-03-30 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: FL

Complaint narrative:
XXXX dropped my credit fios 9 points after i filed disputes, now will not take any disputes, reporting incorrect balances, also i can not dispute XXXX  ore equifax all i get is opps something went wrong.reporting incorrect balanced, paid off accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
HIPAA Violation!!! I have received my confidential medical records in response without a prior written release, clearly violating my rights under HIPAA. Again, I DID NOT sign a HIPAA release form authorizing Transworld System Inc access to my medical records. They should not have access to XXXX XXXX, and Diagnosis Codes pertaining to my medical treatment. Do not keep sending me your generic validation letter! All collections pertaining to this debt needs to be cease and remove from my XXXX, XXXX  and XXXX  credit files immediately. This company is again violating my HIPPA rights as a consumer. I have filed a HIPAA complaint and filed a lawsuit against Transworld with my attorney. Remove this from my credit report now! This matter is not resolved and i will continue to file lawsuits and complaints until this debt is removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
Fraudulent Army Airforce Exchange charges, requested removal authorized user Unable to contact Exchange Services Communication with Impersonating Representative Request removal with provided documentation XXXX  Alert : Personal Information distributed dark web

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 2021-03-30 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: CA

Complaint narrative:
On XX/XX/2020 XXXX XXXX, XX/XX/2020, XXXX XXXX, I sent Transunion certified letters. Disputing the inquiries of XXXX, XXXX XXXX XXXX on my credit reports. At the same time I sent dispute letter certified to XXXX, XXXX XXXX XXXX Transunion, XXXX and XXXX XXXX XXXX continued to report this Unverified Account. They failed to validate the account and provide me with any contract or agreement that I signed.All they have sent is letter saying the inquiries were valid and XXXX did not respond. 




Transunion has NOT provided me with who verified these accounts? 
a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified. 


Transunion has not validated the inquiries as mine, and continue to ignore my letters asking for removal of this inquiries.They have violated many consumer laws. 


All I asked was that the Transunion show me how they verified this debt and what XXXX, XXXX XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated.Transunion needs to delete the inquiries promptly.

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 2021-03-30 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: SC

Complaint narrative:
I the consumer have been violated and had incorrect and inaccurate information listed on my consumer reports. I never gave any credit agency written consent or permission to report this information. I have tried to resolve this issue with each agency and each has complied and resolved the issue except for EXPERIAN. On XX/XX/XXXX I called in to EXPERIAN and spoke with XXXX agent id XXXX about the issue. I told the agent that there was a late payment listed on my consumer file from XXXX  XXXX for XX/XX/XXXX and that information was inaccurate and needed to be updated. I told him that I already contacted XXXX XXXX and the other major credit reporting agencies and the information had been updated. I told him that this information was incorrect, and it was not bringing any equity or value to me the consumer and I never gave EXPERIAN any written consent to report this information and this was violation of my right to privacy and it was directly impairing me and was harming my reputation and character. I told him to correct the information immediately. He told me that he would file a dispute but he could not change the information because he didn't have a reason. I told him that I had already settled this inaccuracy with XXXX  XXXX and the other credit agencies it needed to be updated with EXPERIAN and the reason is that it's inaccurate and I the consumer have given them instructions to do so. He then stated that he'll escalate the issue but there was nothing he could do. I told him that this was a direct violation of federal law and they are being partial, unfair and I the consumer have the right to privacy 15 USC 1681 ( a ) ( 4 ). I told him that this was damaging me in many ways as to how I am able to use my credit because of this inaccurate information that they never had my consent to have or share. This was a direct violation of 15 USC 1681b ( a ) ( 2 ). I am demanding that EXPERIAN update the information on my consumer file and my consumer reports. If this information is not updated immediately I will continue forward with litigation.

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 2021-03-30 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: CITIBANK, N.A.
State: CT

Complaint narrative:
There is another person with the same name and birthday in another state, her info has been showing up on my credit report for over ten years. Well I had fraudulent charges on a citi bank credit card, and filed a report with them, closed the account. From what citi bank tells me, they sent out a new card with a new account number but it ended up at her home. In IL, I live in CT. Because I can not confirm my own info since her info is now on the account, they wont dispute it. Ive tried over and over online, I have also called them, alert all threw credit reports and Ive gotten nowhere. Ive learned this woman has the same name and birthday and possible a similar Ssn.

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 monetary relief
Consumer complaint received 2021-03-30 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: CA

Complaint narrative:
There are 5 accounts that are appearing on my credit report that are not mine I have been mailing disputes to the bureaus and the furnishers saying these are not mine because I have not signed or used or accepted any of these charges or cards. 
The accounts are : XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$3700.00} XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$11000.00} XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$7300.00} XXXX XXXX- Acct # XXXX Amt {$6600.00} XXXX XXXX- Acct # XXXXAmt {$9.00}

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 2021-03-30 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: CT

Complaint narrative:
There is another person with the same name and birthday in another state, her info has been showing up on my credit report for over ten years. Well I had fraudulent charges on a XXXX XXXX credit card, and filed a report with them, closed the account. From what XXXX XXXX tells me, they sent out a new card with a new account number but it ended up at her home. In IL, I live in CT. Because I can not confirm my own info since her info is now on the account, they wont dispute it. Ive tried over and over online, I have also called them, alert all threw credit reports and Ive gotten nowhere. Ive learned this woman has the same name and birthday and possible a similar Ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Texas Guaranteed
State: TX

Complaint narrative:
Please update payment history status on the two other bureaus as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander Consumer USA- PLEASE DELETE After repossession of my vehicle in XXXX of XXXX. There was a 33 states predatory lending class action settlement against Santander Consumer USA. Where Santander agreed to relief my debt. Santander just settled the case last year XXXX. According to the agreement my debt is to be forgiven and the account status updated to a positive. Because of what they agreed to in the settlement this has now became a violation and needs to be corrected within 30 days of receipt of this complaint.. I have reached out to Santander Consumer USA to dispute this matter and they still have not removed this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: KEYCORP
State: NY

Complaint narrative:
I submitted a dispute to Key Bank on a transaction with XXXX XXXX on approximately XX/XX/XXXX After filing the complaint I had a XXXX conversations with Key Bank, the XXXX to make sure nothing else was needed, the second to be told if the merchant doesnt respond by XX/XX/XXXX the temporary credit becomes permanent, the third that I needed to fill out a questionnaire which I did over the phone and the last that my credit was reversed 1st because I didnt fill out the questionnaire and then after that dispute was dismissed I was told I didnt file the claim within the allotted time frame. 

Key Bank accepted my claim in XXXX, gave me a claim number and proceeded with processing the claim and not once from the date of filing to the date of declining did they mention this. 

It takes an act of XXXX to get to the executive affairs department. They refuse to give out a number, the disputes department states they can not transfer me there and customer support in most cases puts me on hold for so long trying to figure it out he call becomes disconnected. I spoke to a guy in the executive affairs department by the name of XXXX who said he would listen to the recorded phone calls I had with the dispute department snd if they said it would be permanent by XXXX like I was told the credit would then be given back to me. I invested 2 hours of phone time on XXXX only to be hung up on because they could not wait for XXXX to become available any longer. The phone number I was given to call back is the disputes department that claims they can not transfer me to the executive affairs department.

Company response to consumer: Closed with explanation