vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: NV

Complaint narrative:
RE : DELETIONS TO CREDIT REPORT Recently, I discovered alleged accounts on my credit report for which I do not recognize. Pursuant to FCRA 623, I am demanding their removal. I have indicated the items below. 

Accounts : SOURCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: UT

Complaint narrative:
I have been sending letters to the bureaus because I have inaccurate items on my credit. My husband and I have yet to hear anything back and we really need these items fixed. I have attached the letters we sent that are the most recent but there have been more. Please fix accordingly.

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 2021-07-08 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I HAVE BEEN TRYING TO GET 3 SPECIFIC ACCOUNTS THAT WERE PAID AND SATISFIED TO REFLECT THAT ON MY CREDIT REPORT. THESE 3 ACCOUNTS STILL SHOW AS UNPAID CHARGE OFF 'S. THE 3 ACCOUNTS ARE AS FOLLOWS : COMENITY BANK / XXXX COMENITY BANK / XXXX COMENITYBANK / XXXX  XXXX XXXX  I HAVE SENT MULTIPLE DISPUTES TO XXXX, XXXX  AND XXXX  AND HAVE INCLUDED THE PAY OFF LETTERS FOR EACH OF THE PAID ACCOUNTS AND THEY WILL NOT UPDATE MY CREDIT REPORT TO SHOW THAT THESE ACCOUNTS HAVE BEEN SATISFIED. I EVEN CALLED COMENITY BANK DIRECTLY AND THEY TOLD ME THEY COULD NOT GIVE ME A PAID LETTER OR UPDATE MY CREDIT, AND THAT IT HAD TO BE DONE BY THE COLLECTION AGENCY. I HAVE DONE THIS TO NO AVAIL, PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have been attempting to obtain a Chime Credit Builder account with Chime Bank since XX/XX/XXXX when I received an email around roughly XX/XX/XXXX. The application claimed that Chime Bank couldn't verify my identity. This was lim my because I put in the wrong address. I qualified per their terms for this service since I had a {$200.00} direct deposit over the past 12 months at that time. I currently have my SSI payment for {$790.00} being direct deposited to be my Chime Bank checking account. I have received it in my Chime Back checking account for the past 3 or more months. I made an error on my application in my email for the Chime Credit XXXX  card and the application had an error and timed out. I have asked them since XX/XX/XXXX and most recently XX/XX/XXXX to let me re-apply or send me a new application. Their customer service team just keeps saying they'll escalate the situation to the right department and it will take 24-48 hrs to receive a response. I usually spend 1-2 hours on hold or being argued with over something this simple. Just give me a new application. I usually get a response within 20 mins stating they have no way to offer me another application. This is not only unprofessional it's false advertising a product since I qualify for it and they won't give it to me or at least a chance to apply for the service. They've been arguing for about two years about this with me and have never offered a re-application process or what happen with my original application in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX my ex-spouse was awarded my vehicle which was a XXXX XXXX XXXX in our divorce. As of this date I was no longer responsible for this vehicle. I have sent copies of this decree to the creditor numerous times but they refuse to remove my name and information for this debt. I have been trying to remove this item off of my credit report so i can purchase a new home for my children and myself but they have refused to remove this even though they have proof it is not my debt.

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 2021-07-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied to Chase freedom unlimited card as of XX/XX/2021, under the impression that I will be receiving 5 % cash reward on groceries up to XXXX in the first year, as described in the website : https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited. 

However, I do not see that information in my card reward earn section in my chase app. I called on XX/XX/2021, the customer representative instructed that the 5 % on groceries promotion ended on XX/XX/2021, so I am not eligible for this reward anymore. She said she checked with the team and is sure of this, after I asked multiple times. The line is recorded. 

The information about 5 % on groceries, however, is still in the advertisement on the official website. I feel falsely adversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello my name is XXXX XXXX and I have been getting harassed by two different companies a year apart for the same account from capital one as well as the capital one who told me they sold my account back in XXXX or XXXX to a company who is no longer in service I recently received a new Capital One card thats under XXXX now the first company is called XXXX XXXX XXXX who told me last year around XX/XX/XXXX or the XXXX of XXXX they had me pay them close to XXXX dollars and I thought that they was clearing up my collection bill and then I get a call this year on XX/XX/XXXX with the same Information just a different company name and the same account numbers and almost the same amount they want almost {$1900.00} and they are trying to make me pay just like the first time I really need some Help I can email you all the information they sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NC

Complaint narrative:
Equifax says they could not identify me with this fraudulent account on my report. I have attached copies of Driver 's license, Social Security Card, return receipt for company that has received my dispute. I have also attached a copy of the affidavit of truth ( copy before notary ), cease and desist letter, and Identity Theft Report. Equifax I would hope that you do your job and protect my consumer report as it has been ruined by this fraudulent account. Please have it removed from my consumer report. I want XXXX XXXX XXXX to also send a letter to Equifax and myself stating it is being removed as well as pay the invoice attached for violations against my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I got these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: UT

Complaint narrative:
I have been sending letters to the bureaus because I have inaccurate items on my credit. My husband and I have yet to hear anything back and we really need these items fixed. I have attached the letters we sent that are the most recent but there have been more. Please fix accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: ENOVA INTERNATIONAL, INC.
State: NM

Complaint narrative:
On XX/XX/2021 I noticed there is another inquire that I did not recognize, from XXXX 
Details as below : NETCREDIT FS XX/XX/2021 Location XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION This is not done by me and I have sent an email to XXXX ( which I got from their website ), as the contact number provided did not answer my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: VA

Complaint narrative:
Please help me as I found some strange accounts in my credit report yesterday. I do not know them and they are not mine. Its identity theft and therefore I filed a report. I just ask you to start the investigation and figure out how that possible. And of course delete them from my profile. Thank you and take care

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 2021-07-08 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: VA

Complaint narrative:
Please help me as I found some strange accounts in my credit report yesterday. I do not know them and they are not mine. Its identity theft and therefore I filed a report. I just ask you to start the investigation and figure out how that possible. And of course delete them from my profile. Thank you and take care

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
My car was totaled by XXXX XXXX of Michigan on or around XXXX. XXXX  adjuster XXXX XXXX  contacted Wells Fargo ( dealer services ) on XXXX around XXXX was given a payoff quote of {$6600.00} and this was valid for 10 days. I received a monthly statement from Wells Fargo dated XXXX with a pay off quote of {$6500.00} valid XXXX ( printed on the bill attached ). The agent was given a inaccurate quote for more than the balance due this is fraud. When logging into my Wells Fargo account after the agent was quoted the balance due with Late fees added was {$6200.00} ( document attached ). The company was contacted multiple times with no return answers. The payment history detail sent to me ( attached ) stated {$6200.00} " Pay-off with over payment '' nothing has been returned to me the company received a check from XXXX XXXX for {$6600.00}. This company is fraudulent there are so many violations and I need help i have all of the supporting documents need to pursue this issues. I have other issues that will be made in a separate complain for credit reporting.

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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian will not unfreeze my credit nor provide a one time pin for my lender to use. I have provided necessary information and they continue to tell me to resend it over and over and over. This is preventing me from obtaining a home refinance. I want charges against Experian for denying me access to my information.

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 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received a letter from Chime/XXXX  XXXX  asking me to Activate my account. I did not open an account with Chime. 

When I called Chime, I was asked to verify my phone number. My phone number, nor my wife 's phone number could not be validated by the automated system. When I got a Customer Service Rep, he could barely speak English and had a very thick foreign accent ; I was told that I had to give my social security number, my date of birth, and my phone number to verify the account or that he could not do anything for me - he suggested I could also submit a copy of my driver 's license or take a " selfie '' holding my ID. When I asked for the Fraud Dept, I was transferred to another man, also with a thick foreign accent ; after placing me on hold several times, the 2nd man told me " there is nothing to worry about as your account will be closed. '' I informed him that I had never given an account number, so what account would be closed? He said " the one under your name. '' It was a very suspicious interaction to say the least. He had information, but then kept saying that said he couldn't give me any information because I hadn't validated my information - he wouldn't even given me partial information. The only I gave him was my phone number and email addresses which, of course, could not validated. I expressed my concern that this was fraudulent, and I informed him that I was going to call the FBI, he said " Well then there is nothing more I can do for you if you are going to involve the FBI ; they will handle it. '' At that point, I terminated the call and tried to contact the XXXX XXXX, XXXX  office, which directed me to FTC ( this site ). 

I should also point out that the card I received in the mail is an actual Debit Card, with an account number, a chip, and my name -- my name is printed incorrectly on the card too ( another suspicious aspect to this ). The address this card was sent to was my former address in XXXX ( I now live in XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted Transunions on XX/XX/2021 by certified mail requesting investigation and verification of collection acct from XXXX XXXX 
On XX/XX/2021 I sent a follow up letter to Transunion requesting that the account be remove because the collection agency failed to respond to my request to validate the debt. 
On XX/XX/2021 another certified letter was sent to Transunion requesting removal because collection agency did not respond to my request and did not provide validation. 
Transunion responded and said the account was verified as accurate and will remain on report. 
On XX/XX/2021 another letter was sent to Transunion requesting removal and also requesting how account was verified as correct when the collection refuse to provide me with such information and how did Transunion obtain this information. 

Its been XXXX business days since I sent my original request for validation to the collection agency XXXX XXXX and I have yet to receive a response. 

Its been XXXX business days since requesting Transunion to properly investigate this account and to remove since it cant be validated. Transunion I ignored my request and I would like this account deleted ASAP for failure to respond and provide validation. 

XXXX XXXX  failed and refuse to provide me with validation of this account and proof that this acct belongs to me and they recently reported the account to my XXXX XXXXeport.

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 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My mortgage was paid off in XX/XX/XXXX with PHH MORTGAGE. The amount of {$900.00} was left in escrow and was to be refunded to me. PHH mortgage claimed they mailed a check for this amount on XX/XX/XXXX. I have not received that check. 
On XX/XX/XXXX I spoke with the XXXX in Customer Service and explained the issue.XXXX advised me that I needed to send a fax to the Research Department and request payment verification and a re-issue of the check. I faxed this request the same day. XXXX stated I could not contact the Research Department directly because that department did not have a phone. 
On XX/XX/XXXX I received a letter from PHH mortgage stating a new check number XXXX will be re-issued shortly. I have not received that check either. 
Again I contacted PHH mortgage. 
Tuesday XX/XX/XXXX I called the Escalation Department and spoke with XXXX who took the information and stated she was going to call me back that same day. I have not heard back from her. 
Wednesday, XX/XX/XXXX I called the escalation department and spoke with XXXX he took the information and advise he was going to call back. I have not heard from him. 
Thursday, XX/XX/XXXX I called the escalation department and spoke with XXXX and who took the information and advised she would surely follow up and call me back. 
I have not received any further communication from PHH Mortgage. I have not received my refund check.

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 2021-07-08 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: NM

Complaint narrative:
On XX/XX/2021 I noticed there is another inquire that I did not recognize, from TransUnion. 
Details as below : XXXX FS XX/XX/2021 Location XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION This is not done by me and I have sent an email to XXXX ( which I got from their website ), as the contact number provided did not answer my call.

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