vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 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:
This is outrageous! I am a victim of Identity theft and was told by my lawyer to come through the CFPB because Equifax wouldn't respond to my claim. Then, when I do submit a complaint, they state its not me! To prove that it is me, I have a notarized letter as proof that it is me submitting this complaint about the fraudulent acccounts on my credit report! have also included my FTC report that I've filed with the federal trade commission with the accounts that are fraudulent on my credit report. This is not how an Identity theft victim should be handled. It is the consumer reporting agencies job to ensure that, I the consumer 's report is reporting accurately. They have failed me and it is defamation of my character. Equifax is the only one that is giving me a hard time. I'm so tired!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
On XX/XX/2021 MBA Law placed 3 medical bills on my credit report, I reached out to them as well as all 3 credit bureaus letting them know that these accounts doesnt belong to me by mail. Only two of three were removed from my credit, the largest balance remains! I sent a second letter asking MBA Law to remove the medical bill again, they didnt do so! I havent given my consent for any of my medical information to be release! I want this medical bill released from my credit report immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Credit inquiries I have not authorized on my credit report with transunion XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX 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 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I learned that I am a victim of identity theft in XX/XX/XXXX. I've lived overseas all my life and just moved back to the states in XX/XX/XXXX. When I went to open a bank account at XXXX, I was told that someone has already opened an account in my name. It wasn't me. I followed all the steps and notified all credit bureaus, but Equifax was the only one I couldn't get through to. When I did manage to talk to a rep, we would get to the personal information confirmation stage and they would ask me questions like " what is your credit limit for such-and-so credit card you applied for? '' but I never applied for such credit cards. I suspect that Equifax has treated some fraudulent accounts or credit lines opened in my name as real ones, and set those as my security questions, so of course, I can't answer them. This was frustrating, but I found comfort in that the other two bureaus would notify Equifax to put a fraud alert on my account. But apparently, Equifax did not do so, because today I received a letter in the mail saying that my application for a XXXX Visa card was rejected due to a low credit score. The credit bureau they went through was Equifax. I received no phone call or email when someone tried to apply for this credit card in my name. If Equifax had done its job and placed an alert on my account, I should have received a call. I tried calling Equifax four times today. The first time the rep said that their system was down and I'd have to call later. I'd already been on hold for an hour. The second and third time, I was cut-off mid-call while verifying my personal identity with the reps. The third time, I was told again that Equifax is having technical issues. How is this acceptable? I feel completely helpless as a consumer because I can't reach them online or by phone. Even when I do get to talk to a rep the call is always cut off halfway. This is criminal and Equifax should be held accountable. Because I can't get in touch with Equifax, the fraudsters just keep opening up new accounts and trashing my credit score. I've spend countless hours trying to save my identity to no avail. I can't sleep properly, I can't spend time with my family, I can't work. Identity theft ruins lives, and the least Equifax could do is show some responsibility after that XXXX data breach. Becasue of my trashed credit score, I probably can't buy a house, which I was planning to do in the next two years. I'm so beat up now that I'm seriously considering just leaving the US for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
For a period of over 2 years, Navy Federal Credit Union inaccurately reported a revolving credit account as open and current, during a time when it was closed and in collections. As a result, the date of first delinquency for this account was not properly established and the removal of this derogatory credit history from my report has been substantially delayed. Additionally, Navy Federal Credit Union has reported recent payment history for an Auto Loan that was closed and paid in full on XX/XX/XXXX. This recent payment history shows a 60 days past due payment on XX/XX/XXXX and two 30 days past due payments in XXXX and XX/XX/XXXX. On XX/XX/XXXX, I sent Navy Federal Credit Union a dispute letter with all identifying documents requested and additional support documents to verify my dispute. The dispute was closed with no changes made on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
This complaint is to be directed to XXXX XXXX XXXX. On XX/XX/XXXX. I saw an online promotion with a Welcome Bonus of {$200.00} for New Depository Customers. This has lead me to start a Depository relationship with HSBC. 

I went ahead and accepted the offer and open a Consumer Checking account with HSBC via the online link to their official website. I follow the instructions & verification as stated. 

I completed all necessary requirement so I could qualify for the Bonus. After months waiting. Have yet to see any bonus offer applied to my account. I decided to call and inquire of the Status. I was told different answer and ask to wait till end of month for the bonus amount of {$200.00} to be credited. it has been 2 months and still no credit from HSBC. Yesterday, XX/XX/XXXX. I call again and i was told that I have had an a Checking act in the past. I am certain I have never use HSBC as my transaction bank. I do not Bank with them, Just a Credit Card. I asked that if they could provide me with the " account number/ type of account '' they were claiming to be mine. They were not able/refused to provide me with such info. 

All I would like this to be resolved and for HSBC to honor the Terms & Conditions stated for the Welcome Bonus. This is misleading consumer to increase account with deposits. Very wrong. 

Thank you for taking on & reading my complaint Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For a period of over 2 years, XXXX XXXX XXXX XXXX inaccurately reported a revolving credit account as open and current, during a time when it was closed and in collections. As a result, the date of first delinquency for this account was not properly established and the removal of this derogatory credit history from my report has been substantially delayed. Additionally, XXXX XXXX XXXX XXXX has reported recent payment history for an Auto Loan that was closed and paid in full on XX/XX/XXXX. This recent payment history shows a 60 days past due payment on XX/XX/XXXX and two 30 days past due payments in XXXX and XX/XX/XXXX. On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a dispute letter with all identifying documents requested and additional support documents to verify my dispute. The dispute was closed with no changes made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
For a period of over 2 years, XXXX XXXX XXXX XXXX inaccurately reported a revolving credit account as open and current, during a time when it was closed and in collections. As a result, the date of first delinquency for this account was not properly established and the removal of this derogatory credit history from my report has been substantially delayed. Additionally, XXXX XXXX XXXX XXXX has reported recent payment history for an Auto Loan that was closed and paid in full on XX/XX/XXXX. This recent payment history shows a 60 days past due payment on XX/XX/XXXX and two 30 days past due payments in XXXX and XX/XX/XXXX. On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a dispute letter with all identifying documents requested and additional support documents to verify my dispute. The dispute was closed with no changes made on 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 2021-03-26 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: MA

Complaint narrative:
Experian continue to inaccurately reporting account XXXX. This account has been re-aged. Re-aged account is a violation of the FCRA. XXXX is reporting XX/XX/2020, Experian is reporting XX/XX/2020, XXXX is reporting XX/XX/2020. All three dates and years are reporting inaccurate. I have attached a copy of my credit report showing the re-aged account dates and years. This is a serious mistake and subterfuge reporting by Experian. 

Please see attach copy of credit report showing RE-AGED account Violations of the FCRA.

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 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent n numerous request to XXXX about my credit report being inaccurate and things being erroneously reported. I have contacted the creditor as well and was told that they had contacted the bureau of the mistake. Well the information has not been changed nor deleted. I feel as though my rights have been violated I am asking for an investigation to take place with experian. My credit score has been affected due to the wrong information. I first reported on XX/XX/2020. I have been stressed during this pandemic and some things have been delayed, I have also had a financial hardship and need to get my credit back in order. It is really taking up alot of my time to get no results.

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 2021-03-26 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: MI

Complaint narrative:
I have sent n numerous request to XXXX about my credit report being inaccurate and things being erroneously reported. I have contacted the creditor as well and was told that they had contacted the bureau of the mistake. Well the information has not been changed nor deleted. I feel as though my rights have been violated I am asking for an investigation to take place with experian. My credit score has been affected due to the wrong information. I first reported on XX/XX/2020. I have been stressed during this pandemic and some things have been delayed, I have also had a financial hardship and need to get my credit back in order. It is really taking up alot of my time to get no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: FL

Complaint narrative:
My XXXX XXXX XXXX credit card is showing a late balance which is incorrect. 
XXXX has sent me a letter stating they contact all 3 credit bureaus to correct this information over 1 month ago, information is still showing incorrect on my credit report preventing my score to provide me with refinancing of my property. I am holding all 3 credit bureaus responsible should my refinance be denied or should it cost me to pay more than necessary in interest rate. Attached you will find the letter from XXXX XXXX XXXX XXXX department. 
This information must be corrected immediately. Credit bureaus are liable for wrong information that can cause financial harm to a citizen. I will hold all 3 bureaus responsible should I suffer credit discrimination due to wrong information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My XXXX XXXX XXXX credit card is showing a late balance which is incorrect. 
XXXX has sent me a letter stating they contact all 3 credit bureaus to correct this information over 1 month ago, information is still showing incorrect on my credit report preventing my score to provide me with refinancing of my property. I am holding all 3 credit bureaus responsible should my refinance be denied or should it cost me to pay more than necessary in interest rate. Attached you will find the letter from XXXX XXXX XXXX XXXX department. 
This information must be corrected immediately. Credit bureaus are liable for wrong information that can cause financial harm to a citizen. I will hold all 3 bureaus responsible should I suffer credit discrimination due to wrong information on 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 non-monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Date opened is reporting with 3 different dates, credit limit reporting inaccurate. When you report to credit bureaus they just update account, please remove/delete account off credit due to inaccurate reporting. this for the charge off account XXXX XXXX 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 2021-03-26 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: Chime Financial Inc
State: CA

Complaint narrative:
Today XX/XX/2021 at XXXX XXXX received am alert of an outstanding account. Once I checked on it I had no idea what it is from but then I saw XXXX/CHIME on my credit report I knew automatically that it is fraud. CHIME is a prepaid debit card, and one card is a " Credit Builder '' card. I have both and there is no way possible that I can use the card without first loading money onto it. The alert say On XX/XX/2021 I was reported to XXXX  for owing XXXX/CHIME in the amount of XXXX. This is FRAUD! My card is active an since I've started using it I've kept money on it. It's impossible to owe a prepaid card. No fees, no set up fees, nothing just load and use to supposedly raise your credit. I don't qualify for a spending advance that CHIME offers because I don't get enough direct deposits, and it's only {$20.00}. But that's an offer that I don't qualify for. I can NOT possibly owe them any money, PLEASE help me. This is FRAUD AGAIN! My restoration specialist name is XXXX XXXX XXXX. My contact is XXXX and my mobile number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
During the past 15 yrs have had synchrony account on and off seems they can close your account when they feel like it even though your paying your payments on time. 
Recently My Credit Score was XXXX had 6 Accounts With Sychrony Financial all XXXX balance but 3 had XXXX Credit Limits over the yrs had credit limit increases as most banks do for being responsible and paying your bill I Never Had A Late Payments always kept low balances so one day I wake up check one of my Accts XXXX Visa Card Found XXXX available then checked all 5 other accounts all showed Closed I Called Waited 1 HR 18 Mins For Supervisor to say sorry closed due to high risk!!!

Now Whats High Risk!!! 
Never late Always Paid My Bills Kept Low Balances Good Credit Score XXXX Dropped 96 Points Once They Closed My Accounts There has to be a law in Affect For This Bank To Stop Messing With Peoples Credit For No Wrong Doing!!!!

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 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
I've been receiving calls from Franklin Collections company for the last week - they are also showing up on my current credit report as having a negative impact due to my debt. When I tried calling them, I was forwarded to an automated service that told me I had a debt owed to XXXX XXXX XXXX for {$240.00} I thought this was odd since I haven't had internet through XXXX XXXX XXXX since 2019. I contacted XXXX XXXX XXXX via online chat and they told me I was being scammed and that I dont owe them anything. I took screenshots of the exchange with XXXX XXXX XXXX just in case. I would like to get this corrected as soon as possible though, and make sure the debt is no longer on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, I paid a balance of {$26.00} on my discover credit card of a bill in XX/XX/XXXX, and they didn't clear the balance after I have paid the bill.in XXXX when my credit card expires and I didn't renew the card, the account was closed by them leaving the balance on it.I didn't know about that since I never used the card since then and left the address.I accidentally found I still had {$26.00} charge off and had negative record because of that in XX/XX/XXXX, I contacted discover, paid another {$26.00}, and they written it off.since it was a record in XXXX, which I already paid off, the record should be taken off after 7 years, I filed a claim with XXXX, after the investigation, nothing has changed except the closed account becomes charge off again.They ignored the fact that I have paid off on time in XXXX and again in XXXX.I ask for further investigation.XXXX  Claim ID # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a medical collection per collection company, When i reached out to them i asked them to validate and verify that this was my account, give me signatures with me agreeing to pay them, information stating i owed them, procedures done, Hippa release form from orginal creditor for me allowing them to have my information, They will not supply me with any information and the credit bureaus keep saying verified, But the account is reporting inaccurate information with the date opened. How can i open an account on two different dates? Please remove this account from 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