vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-15 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: CORELOGIC INC
State: KS

Complaint narrative:
We purchased a Time Share XX/XX/XXXX from XXXX XXXX. We updated this on XX/XX/XXXX when they offered and approved me for a XXXX XXXX XXXX XXXX where they paid off the original Mortgage and reported it on my credit report as {$0.00}. We upgraded XX/XX/XXXX and XX/XX/XXXX when we purchased additional points. 

We purchased additional points XX/XX/XXXX the other open mortgage should have been reported as a {$0.00} balance when this was added to the XX/XX/XXXX upgrade. 

I applied for a home mortgage where XXXX XXXX discovered my credit report showed I had three mortgages with XXXX XXXX which is incorrect. I have one loan and one payment. 

XXXX XXXX contacted XXXX XXXX stating this is causing a delay in obtaining the home loan and could cause me to possibly not be approved. XXXX XXXX refused to fixed the errors. 

I called XXXX XXXX asking for this to be corrected they said they were sorry for the error and they only show the one loan and one payment. 

XXXX XXXX attempted again to get this corrected, XXXX XXXX refused so I am paying a higher interest rate and was forced to pay mortgage insurance due to XXXX XXXX failure to correct their errors on the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I called Wells Fargo because someone used my debit card. Ive been sick on and off in and out the XXXX so once I got The alert I called and open claim XXXX which totaled XXXX once the claim was complete the lady told me to review my account once Im able to access my account. After doing so I saw once more transaction for XXXX which went under claim number XXXX because they couldnt update the previous claim she transferred all the information from the claim ending in XXXX to XXXX. I got statement dated XX/XX/XXXX telling me the XXXX was approve but I have another letter dated XX/XX/XXXX telling me the XXXX which is the exact same claim was denied. I called And was hung up on 6 times on XX/XX/XXXX after receiving the letter to get information on how you can approve one claim but not the other when there the same claim.The context from claim XXXX was copied and pasted for claim XXXX. I have XXXX  issues involving a XXXX XXXX which I explained to the rep impairs my memory so I had to write my pin on the back of my card, I just got out the XXXX  on XX/XX/XXXX from a XXXX XXXX then having to call to deal with this process is starting to become stressful. After 2 hours and being disconnected on several times the last rep XXXX told me the claim was denied because the transactions werent posted to my account which is different resolution than what was provided by the XXXX lady I spoke To before being hung up on by a supervisor and the letter. So not only am I being hung I also getting the run around and different information on my claim which is very alarming being theres a disconnection in information being present from a financial institution to their consumers.

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 2021-05-15 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
The date on XXXX, southwest credit systems. Amount XXXX. XXXX XXXX XXXX Southwest credit system. 
XXXX XXXX number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AES/PHEAA
State: AL

Complaint narrative:
I applied for a home loan with XXXX XXXX XXXX in XXXX, AL and upon the initial review it was not made known that I had two loans with American Education Services ( original {$3000.00} each, now {$6000.00} each ) that did not show a monthly payment amount. I did not notice this until the 11th hour of closing, XX/XX/2021, where closing is XX/XX/2021. Now I know why the loan consultant kept mentioning DTI. Instead of listing my actual monthly payment of {$25.00} on the credit report that I consistently paid with an arrangement due to a chronic medical issue. Before this payment, I was making {$42.00} each loan for three years straight ( {$84.00} XXXX without a decrease in principal in which documentation is attached. XXXX XXXX Loans has assessed the 1 % rule to these loans now totaling {$12000.00} which is showing a monthly payment of {$120.00}, bringing up my DTI where I have to put down 20 % instead of 16.5 %. This is very stressful, to say the least, unfair, and a violation of fair credit law. The loan consultant at XXXX XXXX XXXX is refusing to accept my request to correct the matter due to time constraints and the fact that these loans are in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: DISCOVER BANK
State: TX

Complaint narrative:
Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is XXXX. Please remove from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
A personal co loan application was submitted to OneMain FinaciaXXXX around XX/XX/2021 for XXXX XXXX and XXXX XXXX. All requested documents were uploaded properly and on time including hi paystubs of XX/XX/2021. The loan officer XXXX conducted unprofessional behavior towards the application of the personal loan. When additional information was requested to verify ID a week later of the loan application after having the ID on file from being a customer of a car loan ( which monthly payments are made onetime ) XXXX the loan officer of XXXX, FL didnt not return calls in a timely manner to complete the process of the loan. 

XXXX informed us through phone with no email that the loan was approved on XX/XX/2021 but when work verification was applied at the end it decline due to XXXX XXXX working status. XXXX was very unprofessional when she informed me the cosigner work history and last day of work. XXXX also informed me the reason for the cosigner ( XXXX ) was no longer working at the time. 
The documents were submitted on time within two weeks of work earnings. XXXX also informed us that we couldn't use a cosigner out of another stated if decided to reapply. 
XXXX 's professional conduct to inform me/us of details of the cosigner was illegal and too much information was given about the cosigner work status XXXX XXXX XXXX XXXX. 

When I contacted the cosigner 's XXXX XXXX XXXX employer to verify if anyone called to get a work verification form the agency stated no. I am uncertain how XXXX 's knowledge of the cosigned was given since no work verification form was submitted nor requested. 
I am asking for investigation to be conducted to determine at fault and wrongful doing. 
It is lawful for someone to give information to any third party without proper consent nor does any third party has the right to know when the last day work or personal status. The documents were submitted on time. I find it strange for someone to approve a loan without submitted accurate work stubs. XXXX 's information of dates of paystubs were inaccurate. I submitted the correct recent two paystubs and the loan was approved and then we received a call to saying the loan didn't go through. 
I find XXXX 's action of loan processing illegal. 
Thank you for you time and assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or error.

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 2021-05-15 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: DISCOVER BANK

Complaint narrative:
On XX/XX/2021 I received an unsolicited solicitation for a student loan. 

This mailing contained NO INTEREST RATE information other than " no payments until after graduation ''. This appears to be fraudulent scam mail, and I believe it is illegal. I will NOT respond, of course, so I have no account with this business. If it is not illegal to entice and entrap consumer students in this way, it should be illegal! I will be contacting my XXXX Representative with this information. 

The source was : DISCOVER Student Loans, Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15 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: TX

Complaint narrative:
Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is XXXX. Please remove from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: Credit Card Receivables Fund Incorporated
State: GA

Complaint narrative:
I remember applying for a XXXX XXXX credit card in store, but due to me moving a lot & living from person to person. I never received a credit card from them. And today I received a paper from the courts saying that I owe money to a account that I never knew about. Not sure what to do, I believe someone is using that credit card in Florida to buy things. And I am currently in Georgia not Florida for the last few years. Need help resolving, please & thank you! 

Claim is for {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: VA

Complaint narrative:
I went to XXXX  XXXX in XXXX of XXXX I obtained a lease for a XXXX XXXX XXXX, I later discovered that the mileage was incorrect, I made a complaint with XXXX XXXX and the dealership was to contact me. They did not. I attempted to purchase my third vehicle from XXXX XXXX on XX/XX/XXXX completed a full credit application and found a car however, we did not complete the sale. The same salesman said that I owed over {$4000.00} for an early termination fees, mind you I completed my lease so this is not true. They failed to try to work with me to correct their error and sell me the XXXX. This is the car I wanted, I had an approval at XXXX and my XXXX had been appraised at a higher value that XXXX had stated as the residual value. I left the dealership because they were not trying to work with me and didn't recall the issue with the lease and wrong mileage on my contract. I tried to payoff the vehicle/loan via XXXX and XXXX Finance refused to speak to XXXX to which I authorized on my loan. Now they are impacting my credit report after they refused payoff not once but twice.

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 2021-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a citi Visa card. It was through the XXXX membership promotion and part of the requirements is to sign up a credit card with Citi bank. I no longer owned the XXXX membership and my credit card was forced to be closed due to the promotion to XXXX membership. 
However, I havent paid off on my balance in the card and Citi bank doesnt allow my access to my account. I believe it is my right to have to access if I am still obligated to pay off the balance. 
They claim that they would start sending me a paper statement but if my account is close and I dont have an access to the account, how would I be able to receive a monthly statement. What if it get lost in the mail, whos reasonable for it if I miss a payment? I would not like to have a missed payment or not knowing how much Ive paid off and how much I still owed. If I am still responsible for the account, I should have the access to the account. 
Thanks, 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 2021-05-15 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: PA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX DELAWARE Credit Card with account # *************** opened on XX/XX/XXXX and a balance of {$0.00}. 

On XX/XX/XXXX, via mail, I previously disputed this account notifying the credit reporting agencies " I dont remember ever being late with a payment on this account. '' Please provide statements and records of all payments made and missed since I opened this account. 

I never received proof from the credit reporting agencies or the creditor! Rather, I just received a copy of my credit report and a response to my investigation and request as " verified ''. On XX/XX/XXXX I submitted another request, via mail, for a re-investigation and requested that proof be mail to me of their investigation or delete the negative information. 

To date I have not receive any verification of this account, however the reporting agencies response to my re-investigation yet again was " verified '' at or around XX/XX/XXXX via another credit report being mailed to me. My request for proof was ignored yet again!

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 2021-05-15 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: LEXISNEXIS
State: FL

Complaint narrative:
Public Record from a Chapter XXXX Bankruptcy. 

On XX/XX/2021 I placed a request for suppression of my file with Lexis Nexis due to the inaccurate and derogatory item on my consumer report. On XX/XX/XXXX. 2021 I sent a letter out to XXXX, XXXX and XXXX notifying them that " I do not recognize this public record ''. 

At or around XX/XX/2021, I received a response via a credit report mailed to me, that the public record was verified by the US Bankruptcy Court. Frustratingly, I've contacted the court and they advised they do not report to the credit bureaus nor have they verified anything. 

On XX/XX/2021 I sent a letter to the three Credit Bureaus with an attached response from the U.S bankruptcy Court, advising " It is clear the court do not report to you or to any credit bureau for that matter, nor is a debtor 's full social security number reported ; therefore your original response verifying this item with the court was either an error or deceitful. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

XXXX removed this inaccurate reporting immediately, however, XXXX and XXXX  did not based on their deceitful actions. 

On XX/XX/2021 I also sent a certified letter to Lexis Nexis that they received on XX/XX/2021 bringing to their attention of their erroneous, inaccurate data and request that they provide verifiable documentary proof, in additional to removal of this negative item. To date I have not received any correspondence, proof or removal of this file!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: OH

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? XXXX XXXX XXXX XXXX, XXXX COLLECTION SERV XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( 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 I demand the following accounts be verified or deleted 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