vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Contacted both XXXX and XXXX several times to dispute many duplicate credit inquiries ( 12 total ) from Capital One Auto Finance, Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

XXXX and XXXX are able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative. 

Have also submitted complaints about XXXX and XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Secured credit card was opened with XXXX bank in XXXX. Account was opened fraudulently. The account began reporting as charged off in XX/XX/XXXX. From that point until XX/XX/XXXX, the account reported as a charge off. On my credit report, it is reported as XXXX charge offs for the amount of {$9.00}. XXXX is only reporting this account to XXXX and Equifax, not XXXX  ... Ive reached out several times to XXXX to tell them of the error. I have filed complaints and challenges previously as this issue has become extremely burdensome.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: GA

Complaint narrative:
Secured credit card was opened with XXXX XXXX  in XXXX. Account was opened fraudulently. The account began reporting as charged off in XX/XX/XXXX. From that point until XX/XX/XXXX, the account reported as a charge off. On my credit report, it is reported as 56 charge offs for the amount of {$9.00}. XXXX is only reporting this account to Experian and XXXX, not XXXX  ... Ive reached out several times to XXXX to tell them of the error. I have filed complaints and challenges previously as this issue has become extremely burdensome.

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 2021-09-22 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: CA

Complaint narrative:
Equifax is an freaking crook and they have stole my identity as a natural person and living being! Equifax has violated the FCRA law pursuant to congressional law 15 USC 1681-etc. I've attached an affidavit of truth! As of XX/XX/2021 they are violating the laws of congress and let the record reflect for the record and on the record it be made known.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In XX/XX/2021, I sent a total payment of {$830.00} in full settlement of the amount reported to the credit bureaus. I noticed few weeks later that the collection agency reported receipt of {$750.00} contrary to the money order sent. I sent evidence of the payment to XXXX and Equifax credit reporting bureaus however, their conclusion did not change the negative report on my credit report. 

The collection agency reported to XXXX and Equifax that I still owe XXXX XXXX XXXX ( Original owner of the account ) {$87.00}. This is an abuse of customer right to fair report as full payment was made as full settlement. An amount of {$87.00} as still owed was reported by the collection agency to the credit bureaus. I have disputed this claim multiple times with XXXX and Equifax and nothing has changed despite compelling evidence submitted to the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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:
I filled this out and while trying to upload evidence it disappeared

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: GA

Complaint narrative:
XXXX have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX , Also, know as XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. I have never paid 30-days late and when I contacted XXXX XXXXl , they said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 2nd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This is my second time filling a complaint against Transunion for reporting incorrect informations on my credit report. This specific time is about an account which was re-aged from my credit report : XXXX XXXX XXXX XXXX XXXX  # XXXX. This was for first time reported as closed on XXXX, XXXX  from Transunion data, but from 5 months ago this account was showing open while it's closed. From 2 months report this account shows closed with 2 differents dates. I know this a serious violation of the Fair Credit Reporting Act. This account contains so many errors, but Transunion keep rejecting all my evidence and maintain this account to harm my credit score. Transunion can help me understand how the last payment showing XXXX and XXXX? Where did they get all these informations while XXXX wasn't able to verify this account which they deleted? 
The payment history is horrible, creditor informations is incorrect, closed date re-aged, months reviewed is wrong. 

How long should I dispute these erroneous informations with Transunion? With all evidence, they continue to report wrong information and re-age accounts from my credit report. This is not fair! I'm demanding immediate deletion of these inaccuracies from my credit report. 

I attached to this complaint a copy of XXXX and a copie of XXXX as a proof of deletion of inaccuracies from my creditreport. Transunion can explain to me why are they still reporting wrong informations on my credit report while to others credit bureaus wasn't able to verify any item? Why do they re-aged account? Is it reasonable for them to violate people 's right intentionally? I want them to delete these innacurate informations and send me a copy updated of my credit report. 

XXXXXXXX XXXX XXXXXXXX Thanks

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 2021-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received a bank statement via mail from BB & T in XX/XX/2021- the statement showed a checking account and a money market account. After contacting the local branch, I was made aware that an account had been opened online using my name, home address, date of birth & social security number. The person used a different drivers license number & email address. The bank allowed the account to be opened online without verifying that the person who opened the account was who they said they were. When questioned, the bank stated they aren't capable of verifying a person against their drivers license number when they provide that information. I personally find this very disturbing as there is a statement that accompanies most financial transactions indicating that the government requires financial institutions to obtain and verify identification of individuals. 

After talking with the bank, I was also made aware that the account had been closed by their fraud department. I filed a police report and gave the officer the information I had received from the bank. The officer who completed the report did confirm the drivers license number was valid and they obtained an address for the individual. 

However, I was assured that the bank had closed the account. 

I have since received statements for XXXX, XXXX and XXXX. The last one indicated that a negative balance has now been charged off as a bad debt. I have also received a complete money market packet. 

During this time, we were working with a mortgage company regarding a refinance of our home and current mortgage. Unfortunately, this bogus account is being reported to XXXX and my refinance was cancelled by the lender. Since then, a bad debt / charge off of the account has been reported on MY credit and I didn't open this account. 

I have reached out to the bank via email to keep everything in writing however they only responded stating they would look into the situation. Since they responded, I have received the negative statement with charge off and the money market packet. 

This is completely unacceptable and I want this matter resolved immediately. It has cost me a lot and if the bank can't verify a person by matching their drivers license number to their name, maybe they should figure out a way to protect people or not allow accounts to be opened online.

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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Dear, to whom it may concern ; I XXXX XXXX XXXX  and XXXX  in my XXXX XXXX back in XX/XX/XXXX or XXXX, depending on time I went into XXXX I ended up getting scheduled to get XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, around the middle or late of XXXX if not early XXXX the lastest,. I also had and still have to endure XXXX XXXX because my XXXX XXXX XXXX  is still messed up to the point I have to get another XXXX. I have not been employed due to whats been going on with my XXXX XXXX and XXXX ; also, I live with my grandfather who has multiple medical health problems involving his XXXX, I can not bring him home XXXX. I can one of his care takers on things I am able to help, because I can't help with everything due to my XXXX. Lastly, the total due amount is incorrect and XXXX came right after.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: V and H Portfolio
State: FL

Complaint narrative:
This debt should have been included in my bankruptcy back in XXXX. This Company is reporting wrong dates This is from XX/XX/XXXX and they are reporting for XX/XX/XXXX which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Open Dealer Exchange, LLC
State: AL

Complaint narrative:
Contacted bothXXXX and XXXX several times to dispute duplicate credit from 700Credit. 

Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

XXXX and XXXX are able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
In XXXX of XXXX I received a debit collection letter ( copy attached ) from XXXX, XXXX for Original Creditor, XXXX XXXX XXXX XXXX and current creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) for {$160.00}. 

On XX/XX/XXXX I sent them a letter ( copy attached and postmark envelope ) explaining I do not owe this debit and have never received any medical services from XXXX XXXX XXXX XXXX. 

In XXXX of XXXX, XXXX XXXX of XXXX, XXXX sent me memo ( copy attached ) the account has been closed and returned to our client. 

On XX/XX/XXXX I received a debit collection letter date XX/XX/XXXX ( copy attached ) from XXXX XXXX for Original Creditor, XXXX XXXX XXXX XXXX and current creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) for {$220.00}. 

On XX/XX/XXXX I sent a letter ( copy attached and postmark envelope ) to XXXX XXXX at XXXX XXXX and to XXXX XXXX XXXX XXXX, explaining I do not owe this debit and have never received any medical services from XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I received two ( 2 ) Debit collection letters dated XX/XX/XXXX ( copies attached ) from Debit Recovery Solutions for Original Creditor, XXXX XXXX XXXX XXXX and current creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ). The total balance due is {$250.00} with a total discount offer of {$180.00}. 

I have been trying to resolve this bogus debit for almost two ( 2 ) years and need your help to end this revolving door of collection agencies for a debit I DO NOT OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Quisiera una investigacin en todas mis tarjetas de crditos y de dbito y  aparte usaron mi tarjeta de edd  tengo varios problemas  con ellas 
please I need help 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 monetary relief
Consumer complaint received 2021-09-22 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: LA

Complaint narrative:
My mortgage was transferred to another bank XXXX XXXX in XXXX and they're reporting a late payment on my home loan when it wasn't with them during that time frame. 

My mortgage is also showing to lean holders one for XXXX XXXX XXXX and one for XXXX XXXX when XXXX  XXXX XXXX transferred the loan to another bank and now has been reporting falsely on the loan saying open with them. However, they not showing one late payment from the time we were with them until they transferred it over to XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, I today received a call at XXXX XXXX  on XX/XX/2021 regarding an over drafted balance that they worked with Wells Fargo collections services. However, they have called me multiple times and i answered and I asked for their name, managers name, and told them they were violating my rights by harassing me. I told here she will be expecting an invoice.

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 2021-09-22 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: MoneyLion Inc.
State: NJ

Complaint narrative:
Someone opened a money lion Inc loan in my name on my credit report I have been trying to dispute it but the credit reporting companies are telling me that it's my information I never even heard of the company don't have any debt or any loans out in my name and someone changed my phone number on all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I have contacted lender in regards to deleting late payments, yet I havent heard back from them. I am to obtain new credit and progress in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Receivables Management Partners, LLC
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation