vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve 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 are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXXBalance $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXX-Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX  XXXX $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXXERVICING-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXBalance {$1700.00} XXXX XXXX XXXXXXXXBalance {$2600.00} XXXXBalance {$2600.00} XXXX XXXXBalance {$860.00} XXXX XXXXXXXXBalance {$460.00} XXXXBalance {$1000.00} XXXXBalance {$9200.00} XXXXXXXX XXXX XXXXXXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MO

Complaint narrative:
Fist I applied for multiple loans on line. FNB called me on XXXX saying I had been approved for a {$6000.00} loan for 5 years ( unsure ) at {$120.00} monthly payments and would that be beneficial. Yes. She stated because of my poor credit rate I needed insurance to prove I could payback the loan. She wanted {$200.00} on a Visa card. She gave me # to call when I had it. Next day XXXX I called but had the wrong kind of Visa. Wanted XXXX XXXX. Next day XXXX I called back. They wanted pictures of card, packaging and receipt. Sent. Money taken from card that day. No loan received. Refused to let me talk to loan department. Called daily many times and hung up on every call. Today demanded my {$200.00} back. And they continue to hang up on me. 
Please contact for details. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: MD

Complaint narrative:
XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I honestly have no idea who this person is or why this account is on my consumer report. I have never done business nor personally dealt with this person or any of their affiliates. I do not live in Pennsylvania, in actual fact, I have never even been to this address in my life. I have already reached out to inform of this inaccurate reporting and to be corrected by removing. Not only have my rights been violated for reporting without my permission but this legit is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: MD

Complaint narrative:
XXXX XXXX creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I honestly have no idea who this person is or why this account is on my consumer report. I have never done business nor personally dealt with this person or any of their affiliates. I do not live in Pennsylvania, in actual fact, I have never even been to this address in my life. I have already reached out to inform of this inaccurate reporting and to be corrected by removing. Not only have my rights been violated for reporting without my permission but this legit is not my account.

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 2021-10-20 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: TX

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also the following inquiries are unauthorized fraudulent inquiries. Please investigate and remove immediately. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi, I have been trying to resolve this situation for the past three months and it has not been, successful. I have incorrect inquires on my Transunion credit report from date XX/XX/2021, XX/XX/2021 & XX/XX/2021. I made it clear to Transunion numerous times, send out three letters via certified mail, stating that I have not made any inquires on my credit report for the above date. I have been unsuccessful with getting a resolution for these unauthorized inquiries. 

I have two incorrect inquiries on my XXXX credit report from XX/XX/2021. I have made numerous attempts by sending letters via certified mail to XXXX to remove these inquiries from my credit report and it has been unsuccessful.

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 2021-10-20 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:
I had made a complaint to your department about a problem I was having with JPMorgan Chase Bank in XX/XX/2021. I did get a response from the bank who wanted me to submit a form and current Letters of Trusteeship. I emailed the documents to the abandoned property department at JPMorgan Chase Bank and as of this date XX/XX/2021 I have not heard from the bank about this matter. 

I am the Trustee of the XXXX XXXX Trust at JPMorgan Chase Bank their case number is XXXX. It has been almost year since I first contacted the bank about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: NC

Complaint narrative:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not provided me with any written documentation required under Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 9A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Unverified accounts : XXXX XXXX  XXXX ( {$660.00} ) # XXXX, ( {$73.00} ) # XXXX, ( {$290.00} ) # XXXX, AND ( {$440.00} ) XXXX, XXXX XXXX XXXX  ( {$5700.00} ) # XXXX, XXXX XXXX XXXX ( {$1300.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$190.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$0.00} ) # XXXX, XXXX XXXX ( {$3000.00} ) # XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

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. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I sent out a letter to the collection agency. Paid for a Return Receipt because I want to track if it was delivered or not as proof. The address on their website is incorrect. Every time I mailed them it returns. Then I took it to CFPB and this is my 4th time submitting a case asking them to validate the debt. They reply back with a one-sentence saying they have proof then they close the case without validating the debt. In the last response, they gave me a number to contact them. I've been trying to contact them for over a year. I'm looking to hire an attorney to communicate with them at this point because the fact that Rent Collection Agency is not giving me the right to dispute, or not communicate with me before they accessed my consumer credit report is against the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus is reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent more then 2 rounds of dispute letters to Experian regarding a account ( XXXX XXXX ) that is being inaccurately reporting on my credit report that needs to be removed. Its not been fully validated and should be remove 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 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC took over as servicer for both of my mortgages a few months ago. Since then, I've have spoken to them numerous times and they are unable to get me signed up for online access. Once they transferred me what they called " IT '' and it was a forever hold. 

Without online access I can't change my auto pay, view my loan information, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: DE

Complaint narrative:
I am the cosigner of my son 's loan. He has been unemployed for several months due to having XXXX in the beginning of the pandemic. After returning to work he was injured on the job and had XXXX which put him back out of work without pay. He was then terminated from his job and has not received any wages or unemployment wages. He obtained new employment however was injured on that job as well which caused him XXXX stitches. Do to his most recent injury. He is unable to work at this time per his doctor. He is currently out without pay again. Prior to all of this we utilized Sallie Mae 's lower repayment option and their deferment option however they refuse to offer any other options. 

I am not in a position to repay the loan at this me. Our household has been gravely affected by the pandemic. We are severely behind in our rent due to loss of employment for several household members which otherwise would be able to contribute to our cost of living.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
For many years I have Citi Credit card and always paid the balance in full and in time. In XXXX of this year the payment due date was as always on the first day of the new month, i.e., XX/XX/2021. That date was on Sunday and since I paid my bills through bank transfers I could not pay the due amount on that date and it was paid the following day, i.e., on Monday XX/XX/2021. Yet I was charged late fee and interest charge in ridiculous amounts. I

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 2021-10-20 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: NC

Complaint narrative:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not provided me with any written documentation required under Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 9A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Unverified accounts : XXXX XXXX  XXXX ( {$660.00} ) # XXXX, ( {$73.00} ) # XXXX, ( {$290.00} ) # XXXX, AND ( {$440.00} ) XXXX, XXXX XXXX XXXX ( {$5700.00} ) # XXXX, XXXX XXXX XXXX ( {$1300.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$190.00} ) # XXXX, XXXX XXXX XXXX  XXXX ( {$0.00} ) # XXXX, XXXX XXXX ( {$3000.00} ) # XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: NC

Complaint narrative:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not provided me with any written documentation required under Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 9A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Unverified accounts : XXXX XX/XX/XXXXXXXX ( {$660.00} ) # XXXX, ( {$73.00} ) # XXXX, ( {$290.00} ) # XXXX, AND ( {$440.00} ) XXXX, XXXX XX/XX/XXXX ( {$5700.00} ) # XXXX, XXXX XXXX XXXX ( {$1300.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$190.00} ) # XXXX,XX/XX/XXXX XXXX ( {$0.00} ) # XXXX, XX/XX/XXXX ( {$3000.00} ) # XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: GA

Complaint narrative:
I have tried to dispute late payment reporting on my Equifax credit report from XXXX XXXX XXXX XXXX. I have tried to dispute the late payments at least 5 times and every time they reply to Equifax that it is correct. But the auto loan I had with them was ended in 2015 when the car was repossessed. Since then they sold the vehicle in 2015 and applied a payment towards my balance. Not only are they still reporting late payments but they are also still charging interest to the point my balance has more than doubled. I have tried to work this out directly with XXXX  and I even contacted Equifax who initiated the last 2 dispute directly for me because they agreed that I should not still be receiving late payment reporting. This is really ruining my credit score because they said I shouldn't be penalized for disputing but every time I dispute anything my score is dropped by around 30 points when they come back with yet the wrong information again. It is extremely unfair and I can not get any help from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: FL

Complaint narrative:
My name is XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.

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