vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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: NY

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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:
Disputes have been sent to Equifax, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There are inquiries that are the result of identity theft and an account with XXXX XXXX 's. Copies of my driver 's license, social security card, utility bill, Identity Theft Police Report, notarized FTC Identity Theft Victim 's Complaint and Affidavit, and a letter from XXXXXXXX XXXX that indicates that account was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: U.S. BANCORP
State: FL

Complaint narrative:
US Bancorp, inquires on XXXX XXXX and 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 2021-04-28 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: IL

Complaint narrative:
I refinanced my only loan with XXXX XXXX last month and made my first payment on XX/XX/2021 on the new refinanced loan. I had the loan moved to the XXXX IL office and refinanced the loan so the terms are now 12 mo at {$740.00} mo. I have made the first payment. Yet none of the credit bureaus have updated this on any of my credit reports and they still show the old loan. I want all three bureaus XXXX XXXX  and Transunion all three to update and close this old loan and add the new loan. They can contact XXXX XXXX to take care of this it is their job to do so! Also XXXX website is again not allowing me to file disputes their website NEVER works they all three need to be shut down they are inept and unprofessional and do not keep our personal data secure either!!! It is the law that if I file a dispute with one bureau they are to update it with the others but they also are not doing this they are making the customer file disputes with all!! I want you to contact all three and XXXX to fix and then make them all three MAIL me paper copies of my corrected reports or I will sue them!!!

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 2021-04-28 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: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I refinanced my only loan with Mariner Finance last month and made my first payment on XX/XX/2021 on the new refinanced loan. I had the loan moved to the XXXXXXXX XXXX XXXXXXXX and refinanced the loan so the terms are now 12 mo at {$740.00} mo. I have made the first payment. Yet none of the credit bureaus have updated this on any of my credit reports and they still show the old loan. I want all three bureaus XXXX XXXX  and XXXX all three to update and close this old loan and add the new loan. They can contact Mariner Finance to take care of this it is their job to do so! Also XXXX website is again not allowing me to file disputes their website NEVER works they all three need to be shut down they are inept and unprofessional and do not keep our personal data secure either!!! It is the law that if I file a dispute with one bureau they are to update it with the others but they also are not doing this they are making the customer file disputes with all!! I want you to contact all three and Mariner to fix and then make them all three MAIL me paper copies of my corrected reports or I will sue them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
I was told to receive money for verification and I was to send it back. I sent the money to them via XXXX Then I was told that the money would be in my account next day and it never showed. I tried to cancel the loan and they told me the first time that I only have to send XXXX XXXX dollars to them and it would be clear. Once I sent the money to them. They told me that I had to send XXXX dollars. Once I refuse to send them the money, they threatened to send me to jail if I did not send the money to them and told me that I would have a negative balance of XXXX in my checking account. I thought by giving them my account information, that I would be able for them to put my loan money into my account and that was the end of the matter. Now Im in the negative XXXX dollars and I am making a complaint.

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 2021-04-28 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items that are listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way, and this has been a stressful and overwhelming process to get my life back so I am asking that this matter be resolved as soon as possible.

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 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was told by XXXXy, Chase Bank Manager, XXXX, MD, on Saturday XX/XX/XXXX, after she spoke with XXXX XXXX and I to verify my XXXX deposit, Chase would open a new account and transfer my money ( XXXX ) into my new account. I was told I could open a new account, XXXX open a new account and was transferring my money by into the new account, the next day This never happened. I was then called by a bank manager, and I was told they were going to closed the new account and would not let me speak with XXXX, Bank Manger previously spoken to, who gave me her business card as a contact through this issue. After Chase closing my new account XXXX  opened, I was told they were sending my check instead in three days, which was 3 weeks ago. Chase closed my account, never sent a check, or gave me access to my old account or new account even after my identity was verified and deposit proved twice now. I was not allowed to see my balance, or a detailed transaction list. I dispute the amount verbal stated to me, and requested detailed account summary, never received for original account It has been three months plus now, since Chase has frozen/kept my XXXX money needed for my children in collage and medical bills. It appears Chase plans to keep my $ XXXX because they have not kept there word. I need to my XXXX now please receiving a call from the chase corporate office when I calling speaking with bank manger at Chase and FRUAD dept, I was told over a month that this would get resolved, but has not. I called Chase fraud department and was told to come in and present proof of identity and deposited was mine, I did. MrsXXXX XXXX at the XXXX XXXX XXXX XXXX branch, got copies of my drivers license and load paperwork as proof of identity and deposit. This also was verified when XXXX XXXX deposited the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
4 independent complaints filed via this site. 

Vehicle lease from JPMC XXXX XXXX was reporters past due in error by JPMC for months in XX/XX/XXXX. Long story short they were unable to find the source of the problem causing account to show past due. 

Months later JPMG offered to take back vehicle early and delete credit profile from record as a concession. This was accepted abs vehicle returned XX/XX/XXXX JPMC has failed to update and remove from record as promised. 

I have attempted 16 times to escalate this matter to XXXX XXXX manager at Chase with no success. My calls, emails abs written communication is not responded to. This has been going on over a year with no resolution. 

Account should reflect closed and paid or be removed all together from my credit files.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Needed to get removed wrong names, addresses and phone numbers.

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 2021-04-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently sent a dispute letter to XXXX XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-04-28 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo is reporting a late notation on my credit file for XX/XX/20 that needs to be removed. I recently looked at my credit and noticed this late on my credit file. Due to XXXX and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Wells Fargo report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Wells Fargo please take leniency on my hardship and remove my XX/XX/20 late as a onetime goodwill adjustment.

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 2021-04-28 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: TX

Complaint narrative:
4 independent complaints filed via this site. 

Vehicle lease from XXXX XXXX XXXX was reporters past due in error by XXXX for months in 2020. Long story short they were unable to find the source of the problem causing account to show past due. 

Months later XXXX offered to take back vehicle early and delete credit profile from record as a concession. This was accepted abs vehicle returnedXX/XX/XXXX XXXX  has failed to update and remove from record as promised. 

I have attempted 16 times to escalate this matter to XXXX XXXX XXXX at XXXX with no success. My calls, emails abs written communication is not responded to. This has been going on over a year with no resolution. 

Account should reflect closed and paid or be removed all together from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: FL

Complaint narrative:
I paid off my account that was on the collection and I send them the letter that was paid off and they are not updating this information and are holding me to buy a house and get more credit cards.

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 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
Received a collections notice from Linebarger Goggan Blair & Sampson, LLP in the mail on XX/XX/21 stating 3 unpaid parking citations. When I called on XX/XX/21, they informed me there was not just 3, but now 4 citations, even though the notice only included 3. The collections notice includes citations for a vehicle and license plate number I've never owned or had registered to me. I called to inform them they have incorrect data and was hung up on 3 times. On the 4th call, I finally wasn't hung up on and explained they're attempting to collect a debt which is not mine, which is a violation of the fair debt collections practices act as I've never had the car or license plate number for the cited vehicle. They informed me they were going to continue pursuit of collections anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Money on hold for 180 days per paypal. 
The account email is XXXX and the Account name and holder is XXXX XXXX XXXX which is also me, the phone number registed to the account is mine, the email registered to the account is also mine, the money was donated through XXXX as a donation to an account named XXXX, which can also be tracked. Just give me my money, I don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: NC

Complaint narrative:
I recently sent a dispute letter to TransUnion, XXXX, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX with Amex whom I currently have a card with. I applied for the XXXX gold card, to which they said my application is declined. I called in puzzled as to why for them to lie and tell me the reasons for declination is " I have a XXXX credit score, and a history of delinquencies. '' I know this was absolutely false, I'm on top of my credit and even subscribe to XXXX and my XXXX. My XXXX score is XXXX, my XXXX  score is XXXX, and my XXXX  is XXXX. I've never had a late payment or collections in my life. So I faxed over copies of said credit reports downloaded from XXXX and faxed it over same day of the application to prove they're lying. I called today on XX/XX/XXXX to confirm the status of the application since I didn't receive the follow up call I was promised to confirm if they received my fax or not to be told even though I submitted concrete proof from the credit bureaus that their information was completely false they were going with their false information and declining my application. The most hilarious part of all of this is even within their own application they offer a free credit report and score that reflects my credit bureau reports of a XXXX score with no delinquencies ever, nothing in collections nada. So where they're pulling this completely false information from is beyond me. They won't even look at the fax I sent over proving their information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 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: CA

Complaint narrative:
I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

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 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Since we are experiencing a national pandemic. I believed it would be a good idea to keep an eye on my credit by signing up with XXXX XXXX and XXXX XXXX. On XX/XX/2021 I received an alert from XXXX XXXX. The notification advised that Southwest Credit Systems flagged my credit report. I contacted Southwest in regards to this alert because I had/have no knowledge of the account ; the account holder ( Southwest Credit ) failed to verify this debt prior to reporting ; although, they had/have my current address on file ( and this was confirmed by a customer service representative as well as a supervisor ; also all phone calls are recorded so this can be confirmed that they had my " current '' address ) - yet they mailed the correspondence to a over five year old address. I feel as though, since Southwest had my current address they could have validated the account ; however, they decided to go another route which I look at as a scam tactic - which is shameless since we are experiencing a pandemic and money is tight for some.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CA

Complaint narrative:
I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

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