vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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:
Experian has an incorrect email associated with my credit file and membership information. I wrote Experian and mailed a letter XX/XX/21 providing a copy of my identification, Social Security Card, and XXXX utility bill to confirm my identity and update my information. I can not access my Experian account on their website and they continue to retain an old email that is on the dark web and has been used in attempts to steal my identity. I attempted to contact them when an inquiry into my credit file was reported by XXXX and noticed that Experian has a second email that does not belong. My email address is XXXX, when I provide it I do not receive a link to reset/update User ID and password. They have a similar email but it does not belong to me, this is an issue that I have not been able to resolve with Experian after several attempts on their automated call service with a wait of up to 30+ minutes.

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 2021-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL

Complaint narrative:
In XX/XX/2021, or XX/XX/2021 I closed this account. Did not want it or even need this. Nothing was bought with this account and not used by us. We keep getting calls after we cancelled this card and still receive calls!! Today we got a statement in the mail that says we owe XXXX.for what!!! There are no purchases and card not used and destroyed long ago. Please cancel this darn thing for good as it was to be done in XX/XX/2021. We used nothing and have nothing to do with this card what do ever. 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 monetary relief
Consumer complaint received 2021-11-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please Help!!!!! I have accounts report on my credit file that are not mine. I don't know how many ways I can tell you that the following accounts are not mine. I never open any such accounts. 

1. XXXX XXXX XXXX- it looks like a loan that was allegedly opened XX/XX/XXXX ; bal : {$74000.00} on my Experian report. 

2. XXXX/XXXX - this account was allegedly opened in XX/XX/XXXX ; bal : {$7200.00} on my Experian report 3. XXXX XXXX - XXXX - this account was allegedly opened in XX/XX/XXXX ; bal {$1700.00} The following address information is reporting inaccurately on my credit file : XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX Experian - XXXX XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Advanced Resolution Services Inc.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section acceptable lawful COMPLIANT REPORTING STANDARDS such as the potentially applicable standards and or regulatory requisites of reporting I am rendering this officially writ consumer CHECK OF COMPLIANT REPORTING and CHALENGE versus any and all DEFICIENCIES of reporting and or inability to DOCUMENT factual reporting verifiability of validness, truth, accuracy, completeness, timeliness, ownership ( s ) of responsibility, and or certifiability of the mandated compliant PROCESSES of reporting and mandatorily perfect complete certifiableMETRO 2 FORMAT compliance of reporting standard ( s ). Beyond this, I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data, or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. REPORTING REQUISITES and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to requisites of certifiable compliant reporting PROCESS and or FORMAT ( ie METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable. I do not recognize the information listed below as having ever been demonstrated factual in reality much less certified compliantly reported in the mandatory processes of reporting and with the factually perfect and complete certified mandated format ( METRO 2 ) of reporting standard ( s ).

For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I have contacted gm financial numerous times about incorrect information on my credit report that their company is responsible for reporting. GM FINANCIAL IS REPORTING FALSE AND inaccurate information to the credit bureaus. GM financial is in violation of the Fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I have tired getting this resolved with a 623 dispute letter that BECU says the date of the first date of first delinquency is XXXX. On page 1 of the PDF attached from BECU. XXXX XXXX flat out says " No payments were received after XX/XX/XXXX. '' XX/XX/XXXX payment was past due., On XX/XX/XXXX and XX/XX/XXXX collections letters were sent to XXXX XXXX XXXX On XX/XX/XXXX the visa was 75 days past due Page 5 of the PDF shows a billing statement with a late charge also reflects the date of the first date of first delinquency being XXXX. The Law says The date of first delinquency also known as the XXXX is the date an account became 30 days late which led to a charge-off by the creditor. The FCRAs Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged off or placed for collection. With that being said and the letter sent to me from BECU saying the XXXX is in fact XXXX. I am requesting this tradeline removed. BECU has reported inaccurate information knowing to the Credit Beru Which is violation of the FCRA. IF BECU refuses to delete this trade line please forward me your legal componence address because I will be filling suit for violation FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My debt to CCS Collections was paid on XX/XX/XXXX. They later reported the account as a collection account to the Credit Bureaus on XX/XX/XXXX. I have requested that both they remove the account from my credit report however they have denied my request. When I initially paid the account I was told that it would not be reported to the credit bureaus upon my payment however they still did.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Good evening Bureau. More details I write in the letter attached below. I sent mail to Validate my debt. The collection company was responded sent me some documents. I asked them to clarify how to calculate the final amount of debt and I attached The Regulations z to them now they not responded. Because all the amount on my credit report are the big added up amount with the evidence to prove. If the Collection company not responded this time what is the next step? Referral to the last complaint that Bureau forward my complaint to the Creditor but the Creditor not responded can we do anything or anything can I get it in writing? I still have a trial court date with the Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately. 
XXXX XXXX-Date of inquiry XX/XX/2020 "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: WA

Complaint narrative:
I pulled my consumer credit report and noticed fraudulent accounts and submitted an FTC report for this identity theft. I am in the middle of purchasing a house so I demand these fraudulent accounts be removed because they are holding me back since they are increasing my debt to income ratio. I am simply demanding they be removed, but I know monetary compensation is owed to me for this false reporting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: WA

Complaint narrative:
I pulled my consumer credit report and noticed fraudulent accounts and submitted an FTC report for this identity theft. I am in the middle of purchasing a house so I demand these fraudulent accounts be removed because they are holding me back since they are increasing my debt to income ratio. I am simply demanding they be removed, but I know monetary compensation is owed to me for this false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: AZ

Complaint narrative:
I have contacted XXXX XXXX numerous times about incorrect information on my credit report that their company is responsible for reporting. XXXX XXXX IS REPORTING FALSE AND inaccurate information to the credit bureaus. XXXX XXXX is in violation of the Fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Good evening Bureau. More details I write in the letter attached below. I sent mail to Validate my debt. The collection company was responded sent me some documents. I asked them to clarify how to calculate the final amount of debt and I attached The Regulations z to them now they not responded. Because all the amount on my credit report are the big added up amount with the evidence to prove. If the Collection company not responded this time what is the next step? Referral to the last complaint that Bureau forward my complaint to the Creditor but the Creditor not responded can we do anything or anything can I get it in writing? I still have a trial court date with the 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 2021-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please Help!!!!! I have accounts report on my credit file that are not mine. I don't know how many ways I can tell you that the following accounts are not mine. I never open any such accounts. 

1. XXXX XXXX XXXX- it looks like a loan that was allegedly opened XX/XX/XXXX ; bal : {$74000.00} on my XXXX report. 

2. XXXX/XXXX - this account was allegedly opened in XX/XX/XXXX ; bal : {$7200.00} on my XXXX report 3. XXXX XXXX - XXXX - this account was allegedly opened in XX/XX/XXXX ; bal {$1700.00} The following address information is reporting inaccurately on my credit file : Transunion - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX XXXX and XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw another debt reported by JEFFERSON CAPITAL SYSTEMS for XXXX in the amount of {$540.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I would like to file a second compliant with Wells Fargo for failing to remove the information being reported on my consumer report, after filing an FTC report sending in several police reports to no avail Wells Fargo has yet to show that they accounts being report are vaild, how can one person open 11 different accounts. Wells Fargo has been in countless class action lawsuits for opening fraudulent accounts under consumers information. I have been a victim of my personal information being stolen and compromised due to the theft, and I have been suffering from this and how it is affecting my life since XX/XX/XXXX. Furthermore Wells Fargo and XXXX XXXX XXXX XXXX  has broken the law based on 26 US CODE 7213 UNAUTHORIZED DISCLOSURE OF INFORMATION, And 18 US Code 1028A Aggravated identity Theft, Report inaccurate information, false information and information without my consent. They have failed to validate these accounts with any " orginal signatures '' or documentation. I keep getting responses that the information is being updated as accurate. But How?

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 2021-11-13 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX-Balance {$1100.00} XXXXXXXX-XXXX-Balance {$630.00} XXXX XXXX-XXXX-Balance {$10000.00} XXXX XXXX-Balance {$1200.00} XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX-Balance {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My mortgage forbearance ended on XX/XX/XXXX. 

I made my XXXX XXXX payment. 

On XXXX XXXX I contacted Freedom Mortgage loss mitigation with a PDF letter that arrived with them also as a verified tracking letter on XXXX XXXX. 

I informed them that, since my mortgage is a XXXX XXXX, I want the balance added to the end of the loan, as provided for in the CARES Act. 

I sent them money to bring my escrow account up to date. 

The company refuses to acknowledge that I have the right to add the forbearance balance to the end of the loan. They have not responded to the substance of the letter. 

Instead, I am receiving letters that show {$17000.00} past due. I am receiving RoboCalls where the caller asks for my social security number. When I call to talk to someone, which I have done a dozen times, I am on hold for 45 minutes before I hang up. 

I want Freedom Mortgage to acknowledge that eligible and qualify for the CARES Act deferral. 

I want that in writing and I want the harassment to end.

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 2021-11-13 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: NJ

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2021 {$480.00} Open balance XXXX Original creditor Is not my account. I have no knowledge of this account please remove.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation