vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 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: MA

Complaint narrative:
I was on a vacation in XXXX and my wallet got stolen. Two of my credit cards were used at a vendor that does not exist in XX/XX/2019 for the amount of {$4300.00} at XXXX XXXX XXXX XXXX, which does not even exist if you XXXX the vendor. 

My other credit card XXXX, immediately refunded the charge, but my XXXX XXXX XXXX XXXX credit card, did an investigation and said that the chip was inserted and there was a signature, so it was not fraud. Again my card was stolen, so yes someone may have put my chip in a reader and forged a signature, but I was never even presented the signature that they saw or verified against whether it looked like mine. Additionally there is no evidence that I was ever at this place by video or picture. 

The fraud was denied and appealed 5 or 6 times, with no real explanation and then finally they told me it would not be refunded and I would have to take it up with the credit bureau. But while it was under investigation I would not be responsible for the charge. So i did not pay the balance and now my credit score has dropped from an XXXX to XXXX. And all the credit bureau said was that my credit score was fine, they did not investigate the fraud any further. 

I have finally paid the balance to reduce further drop in credit score. I need help getting this solved, getting my money back and getting my credit score fixed.

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 2019-09-10 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: KY

Complaint narrative:
I have asked for the method of verification used, as there is an item being grossly mis-reported on my credit report. I did not purchase a vehicle using a leasing company, and have proof of direct purchase from the dealership, directly. I have provided this proof, only to be told that the investigation has been deemed verified by the " debtor '', whom I have no dealings nor contract with. 

How can it be verified then? 


Someone is in violation of FCRA laws, and if this is not corrected, I will be forced to seek litigation. 

Please be advised that I am once again exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX   verification is unacceptable. I am requesting a re- investigation along with your method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have contacted the company twice and four other times through the credit bureaus. The account is not minds and I didnt sign for the account. Each time I just get sent a bill not information proving the account is minds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I filed a bankruptcy in XX/XX/XXXX My mortgage orginated in XX/XX/XXXX and I have made payments consistently from the origination, through the bankruptcy and to date.

Wells Fargo claims they can not report my payments or mortgage as my loan was not " reaffirmed ''. My bankruptcy lawyer says it was Wells Fargos decision and that they often do this to clients.

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 2019-09-10 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: MN

Complaint narrative:
XXXX XXXX XXXX received a judgement against me for a XXXX credit card in the amount of {$740.00}, they started garnishing me XX/XX/2018 and had a stop date of XX/XX/2018 and received the garnishment XX/XX/2018. XXXX XXXX XXXX has failed to update my credit report & took over one year to close my judgement, with me even filing with the courts against them and complaining to my local attorney generals office.

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 2019-09-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I got a pre-approval for a car loan with XXXX XXXX approx XX/XX/2018. I went to XXXX XXXX XXXX to purchase a car with my approval, which they said they would accept. They said they needed to re-run my credit to confirm that it had not changed when I arrived and I agreed to them running my credit to verify. During this time, they ran my credit multiple times with multiple banks resulting in multiple inquiries.I am attaching the pre-approval letter I received from XXXX XXXX as well as proof that used the XXXX XXXX approval for my loan. I never knew of the additional inquiries and never approved them as I was already pre-approved which I did specially to avoid having multiple inquiries. I would like all of the inquiries from XX/XX/2018 removed from my credit report. 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 explanation
Consumer complaint received 2019-09-10 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: KY

Complaint narrative:
I have asked for the method of verification used, as there is an item being grossly mis-reported on my credit report. I did not purchase a vehicle using a leasing company, and have proof of direct purchase from the dealership, directly. I have provided this proof, only to be told that the investigation has been deemed verified by the " debtor '', whom I have no dealings nor contract with. 

How can it be verified then? 


Someone is in violation of FCRA laws, and if this is not corrected, I will be forced to seek litigation. 

Please be advised that I am once again exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX   verification is unacceptable. I am requesting a re- investigation along with your method of verification.

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 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had funds deposited into my checking account and went to XXXX and had XXXX left. The Bank made errors on my account that put it into overdraft when my account does not, have, overdraft and never had it. If my account does not have the funds to pay for anything it wont allow the purchase to go through however the internally bank employees are penny pinching and transferring money and stealing it at the Bank of America. I have not had an issue like this since XXXX/XXXX. I never had a issue at this bank until today since XXXX/XXXX when they tried to pull this before. I really good with accounting and have no issues whatsoever with overspending and this is reflected at every bank I ever banked at. They need fix fix my account and put it back the way it was 2 weeks ago. There were never ever any overdraft purchases on the entire history of my accounts. I will not allow myself to become a victim to predatory banking practices.

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 2019-09-10 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have contacted the company twice and four other times through the credit bureaus. The account is not minds and I didnt sign for the account. Each time I just get sent a bill not information proving the account is minds.

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 2019-09-10 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: OK

Complaint narrative:
I have been trying to resolve a discrepancy on the Transunion credit reporting. It is beyond frustrating. 

Transunion is saying ( XX/XX/19 ) my XXXX XXXX account was/is 30 days past due and open, It is NOT. The account is CLOSED and paid IN FULL. I have confirmed with XXXX they never reported anything as late or derogatory, and the account is in good standing and closed. I have NEVER missed a payment on ANYTHING in my LIFE. I have been a XXXX credit score for years, and 1 improper, not correct derogatory remark has dropped me to a XXXX at a very important time in my life where i'm trying to become a police officer and they are conducting a background investigation. This could potentially cost me my job. 

I have mailed my supporting documents ( XX/XX/19 ) to Transunion and XXXX will provide anything additional I need. They are requesting everything from XXXX XXXX, to XXXX XXXX and XXXX XXXX. They also have no way to expedite or have this issue solved immediately AS IT SHOULD BE. How transunion is a business that is operational and a trusted source for anything is beyond me. 

This false incorrect issue should be RESOLVED IMMEDIATELY and it it looks like its going to take weeks.

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 2019-09-10 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:
Hello, I've tried disputing several unauthorized accounts and inquiries on my credit profile for a while now with both XXXX and Equifax. I've submitted all required documentation such as a valid police report, FTC affidavit along with valid identification in writing. Under the FCRA 605B once all required documentation is provided to the credit reporting agencies, unauthorized/inaccurate accounts must be blocked within 4 business days. I've also called these agencies every day requesting the information be blocked from my credit profile. Please assist me with enforcing my credit reporting statutes. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: IN

Complaint narrative:
I called in XXXX for my Yearly Free report. I was ignored by this group. I called again in XXXX .. 
My Father received a communication at my address. I am not he. I sent another Request Via USPS in XXXX. 
My Father received a communication again from this group at my address. I am not he. I am being denied my Credit Report AGAIN from this group. 

This is a constant, Annual event.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: Consolidated Information Services Solutions, LLC
State: TX

Complaint narrative:
I was involved in both the XXXX & XXXX XXXX breach of security on XX/XX/XXXX & XX/XX/XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XX/XX/XXXX a Hurricane hit my area in Florida. Since I was affected, I entered into a hurricane repayment plan with Ocwen Mortgage Acct XXXX. Since then, I have paid them {$1100.00} every month on time, never 30 days late. Ocwen Mortgage reporting is GOOD and not reporting behind. 14 months good reporting since the agreement inception. Thank You Ocwen Mtg.

PHH Mortgage company recently took over my Ocwen Mortgage account as of XX/XX/XXXX. Since then they have been reporting me late on my mortgage payments, even though I have been paying them every month Approximately $ XXXX/mo, never 30 days late. I phone and fax them to correct the reporting, but they will not fix it. See attatched. 

I am in the XXXX business, and employers check my credit report to decide if I can work for them or not. Lately, I have been turned down for everything I apply for. Not only a job, but credit cards and applying for credit. 

Every month I have to notify all 3 bureas to correct the negative reporting. So far I have spent 35 hours try to fix the problem. Lately, the bureas have stopped helping me because I reported the dispute before. I have hit a dead end. 

I have been calling, faxing and challenging to get my new Mortgagee to not report me late. They continually post bad credit reporting. They do not want to correct it. My record will always show late for the next 7 years on my Mortgage. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have received the email screenshot since XXXX. I spent the required XXXX before the XXXX statement but have received no statement credit even after the XXXX statement. No where in the email does it state when my statement credit will be processed. After emailing the company, they said I am to receive points. I was expecting a statement credit. I get no clear answers from the company about this. Please see attached email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: AL

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft and I discovered that a fraudulent account that was permanently removed and blocked has reappeared on my report as a collection as well as fraudulent inquiries. I would like these items to be permanently removed and blocked.

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 2019-09-10 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: AL

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my 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 2019-09-10 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: CORELOGIC INC
State: TX

Complaint narrative:
I was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my 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 2019-09-10 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX sent my file to Specialized Loan Service without notifying me prior to around XX/XX/2011. I have been disputing this transfer ever since. I was also in the process of a modification with a XXXX who has a contract to work with XXXX to assist with modifications and to prevent my home from going into foreclosure. SpecialiZed Loan Service has not worked with me to remain in my home. I have attempted on occasions to make the payments I could afford which was on a previous statement from SLS who I never contracted with while requesting my loan remain with the original bank who claims Im a valued customer. I also called at XXXX to verify my loan number. She refused to confirm the number I gave her and never sent an email with this information as she stated. Both parties have been blaming the collection on the investor who has in turn referred me back to the most recent servicer.

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