vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-01 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: OH

Complaint narrative:
I've contacted early XXXXto request that these addresses are fraudulent and they are still on my report. My personal information has been compromised from one of these fraudulent addresses and I demand that they be removed immediately or I will have my attorney go forward with a lawsuit. Every address listed are to be removed asap : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXXVA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-01 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: TN

Complaint narrative:
In XX/XX/XXXX I was made aware of an incorrectly reported medical charge-off. The error was with the medical center accounting as the funds were paid through insurance. Additionally, we were never notified of the issue nor that the issue was being turned over to an outside collection agency nor that the information was going to be reported negative on my credit reports. I only found out about because I pulled an annual report. This finding was disputed in XX/XX/XXXX with the three reporting agencies and the information was removed. I am only able to locate one of the dispute confirmation numbers ( XXXX ) and only one " deleted '' screen shot from XXXX. End result is this debt is now once again showing up on my bureaus. XXXX XXXX XXXX and XXXX XXXX XXXX are the same debt and neither should be showing on any of my bureaus. It should NOT be showing as a debt, a past due debt, a paid debt, a collection account, an account paid in full was a collection account, a charge-off, or as a paid charge-off. This amount was cleared up with the emergency services accounting and billing department and was never a credit bureau listed debt, also proper notice was never given to me that this was going to be placed on my credit report, nor as a negative entry. The incorrect reporting on my bureaus was cleared up and deleted in XX/XX/XXXX and now the same information is back on my reports in XX/XX/XXXX! This cost me MONEY in increased interest rate as it affected my FICO score! This should be illegal for them to do, it needs to be once again removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
My credit acceptance account was opened XXXX. The car was stolen and I was unable to continue payments in XXXX. In XXXX or XXXX the wrote the account off as a bad debt. Then recently they ran my credit without my knowledge and reopened this same account amd started reporting it as non payment after they already wrote it off.

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 2022-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Officer My bank and credit accounts were hacked and I was scammed. 

On XX/XX/XXXX where I try to lock into my XXXX personal bank account while appears a screen showed that my account was locked please call ( XXXX ) ) the security department of XXXX XXXX bank. I was told that someone try to steal my bank money and the person named XXXX XXXX ( with a strong XXXX accent ) asked me to corporate with them to do investigate the fraud. 
( 1 ) On XX/XX/2021, He ask me to use a debit card purchase an XXXX gift card for {$2500.00}, and send the invoice to the person named himself XXXX XXXX ( with a strong XXXX accent ) at ( XXXX ). He calls this the tracking fund actually he moved my {$890.00} from my saving account to the checking account that I did not know. 
( 2 ) On XX/XX/XXXX, XXXX asked me the deposit cash of {$10000.00} called virtual fund to the Chase bank ( CHASE account is owned by XXXX XXXX XXXX the account number is XXXX, the routing number is XXXX account owned address is XXXX XXXX XXXX XXXX XXXX ) Actually, he cashes the {$10000.00} from the XXXX credit account which connects to my checking account by using a cash advance payment that I did not know. After depositing in a half-hour, I went back to tell the cashier that I was scammed and do the wrong deposit and ask my money back, The cashier told me that I am not their customer so they can not talk to me and give me the money back.

( 3 ) I kept the text messages and conversation voices on my phone. 

Summary : We know the money is illegal and the money is in the CHASE bank account but the CHASE bank does not want to talk to me about the fraud deposit that I really do not understand. The CHASE BANK Branch is locked at XXXX XXXXXXXX XXXX XXXX NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Hello... The 'date of delinquency ' is not being honestly accurately submitted. Southwest Credit has submitted that the 'date of delinquency ' was XX/XX/XXXX ... yet that is wrong. It may be true that a prior collections agency had been assigned before the agency of Southwest Credit, however, that does not give them permission to alter dishonestly the dates. In fact the date of delinquency was in the year XXXX ( when I had been living in XXXX, XXXX ). 
Therefore I demand as my consumer rights the following : 1. I demand historical documentation of any and all prior assigned collection agencies.

2. I demand the date of delinquency on a XXXX XXXX XXXX letterhead meaning the first charge off notice.

3. If the agency of Southwest Credit does not reply faithfully and honestly, I demand that the CFPB delete this reportable account from my credit file right away. 
Respectfully and sincerely, XXXX XXXX. 
( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
I took out a {$450.00} loan from bright lending and the interest rate is XXXX per month for 19 months which is about 700 % interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: CA

Complaint narrative:
I HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME AS WELL AS ACCOUNTS THAT DO NOT BELONG TO ME.

I AM A VICITIM OF IDENTITY THEFT AND I HAVE FILED TWO REPORTS WITH THE FTC AND THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED

I HAVE ALSO ASKED THE AGENCIES TO VALIDATE CERTAIN ACCOUNTS, WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT  60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT

I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XXXX, XXXX XXXX & XXXX
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et seq.).

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 2022-01-01 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: CA

Complaint narrative:
I HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME AS WELL AS ACCOUNTS THAT DO NOT BELONG TO ME.

I AM A VICITIM OF IDENTITY THEFT AND I HAVE FILED TWO REPORTS WITH THE FTC AND THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED

I HAVE ALSO ASKED THE AGENCIES TO VALIDATE CERTAIN ACCOUNTS, WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT  60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT

I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATESXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et seq.).

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 2022-01-01 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: OH

Complaint narrative:
I've contacted early XXXXto request that these addresses are fraudulent and they are still on my report. My personal information has been compromised from one of these fraudulent addresses and I demand that they be removed immediately or I will have my attorney go forward with a lawsuit. Every address listed are to be removed asap : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXXVA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-01 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: OH

Complaint narrative:
I've contacted early XXXXto request that these addresses are fraudulent and they are still on my report. My personal information has been compromised from one of these fraudulent addresses and I demand that they be removed immediately or I will have my attorney go forward with a lawsuit. Every address listed are to be removed asap : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: NY

Complaint narrative:
My credit acceptance account was opened XXXX. The car was stolen and I was unable to continue payments in XXXX. In XXXX or XXXX the wrote the account off as a bad debt. Then recently they ran my credit without my knowledge and reopened this same account amd started reporting it as non payment after they already wrote it off.

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 2022-01-01 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: PA

Complaint narrative:
I am disputing Transunion for not reporting accurately on my credit report and not responding to my dispute in 30 days. I disputed inaccurate inquiries and erroneous accounts more than 30 days ago via mail and have not received a response back. I also provided the mailing slip receipt of the day this company received my disputes. Today is XX/XX/2022 and I still have no response. I want all the items that Ive disputed deleted ASAP, because they violated the fair credit reporting act and continue to report erroneous and in accurate 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 2022-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Services, Inc.
State: TN

Complaint narrative:
When I pulled my consumer report, I seen that Collection Management SE reported numerous items in the total amount of {$15000.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never had a contract agreement with this organization and I challenge Collection Management SE to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.

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 2022-01-01 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: PA

Complaint narrative:
I am disputing Experian for not reporting accurately on my credit report and not responding to my dispute in 30 days. I disputed inaccurate inquiries and erroneous accounts more than 30 days ago via mail and have not received a response back. I also provided the mailing slip receipt of the day this company received my disputes. Today is XX/XX/2022 and I still have no response. I want all the items that Ive disputed deleted ASAP, because they violated the fair credit reporting act and continue to report erroneous and in accurate 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 explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I went to a presentation by XXXX XX/XX/2021 to get more information about there services. They ran a credit check to see if I qualified for their services. Unbeknownst to me, they enrolled me to obtain a credit card from them. I never consented to this. In fact, I have never received this credit card that was fraudulently opened in may name. 

I contacted Wyndham, and they told me to contact Barclay 's about the account. When I called they did not have any record of the account/credit card and can not even look me up in the system. I've tried disputing this credit card multiple times with XXXX but they will not remove it. 

I would like this matter investigated as this card was fraudulently opened and I am not able to close it for some reason. 

The account number is XXXX. I do not have the credit card number as I never received it

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 2022-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: WI

Complaint narrative:
I had an acct with XXXX XXXX paid my phone off XXXX bill in XXXX lol switched company XXXX gave me a hard time switching my phone over. Well here we are XXXX I am getting harassed by a company called Jefferson capital claiming I owe them they called me over 40 times XX/XX/XXXX through this week Monday I have screen shots of this. I called them I notified XXXX XXXX they keep harassing me its getting annoying I only uploaded a few photos to show you what I mean you can see the times they called and how excessive it is am I the only person they contact or what

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
XX/XX/2016 I went to take my nephew to the hospital about a out of place shoulder dislocation and he was not treated or touched the entire time and I have witness that he was not give any type of treatment or service. I am being charged {$480.00} XXXX XXXX XXXX and {$560.00} XXXX XXXX XXXX XXXX  XXXX. I sent a validation letter to see what is on my credit and list of what services I supposedly received and they violated by sending my information to a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: PA

Complaint narrative:
I am disputing Equifax for not reporting accurately on my credit report and not responding to my dispute in 30 days. I disputed inaccurate inquiries and erroneous accounts more than 30 days ago via mail and have not received a response back. I also provided the mailing slip receipt of the day this company received my disputes. Today is XX/XX/2022 and I still have no response. I want all the items that Ive disputed deleted ASAP, because they violated the fair credit reporting act and continue to report erroneous and in accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: WI

Complaint narrative:
My dispute with Discover Card accounting practices for unrecognized charges of $ XXXXand {$12.00} for XXXX XXXX XXXX XXXX respectively. These charges were reported after my cancelation of my my auto insurance policies insurance. 
Unfortunately, my communication with credit bureau reporting agencies concerning my dispute are yet to produce understandable conclusion. 
The latest statements received dated from XXXX showed a new balance of {$200.00} ; whereas the statement dated from XXXX a new balance of {$350.00}, ... as if we don't have enough mixing up matters, as XXXX  kept adding unrecognized charges to these ones- already disputed and done with, earlier. 
XXXX  still adding interest, to be paid for unrecognized transactions. My credit standing is threatened. 

Please be advised that I have always paid my bills in full, and in advance. Currently, I was threatened to pay interest on the disputed transactions. 

PS : My Credit Card Number indicated is the one canceled few months, while another number ending in XXXX was compromised and deleted, much earlier. Both credit number were mixed up with Discover Card statements. 

I'm a XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
An XXXX store card was fraudulently opened in my name. I have attempted to address this with synchrony bank but I am still receiving bills for the card and collection attempts.

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 2022-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I went to XXXX XXXX XXXX on XX/XX/XXXX to purchase a truck. I left that day with my original contract. On XX/XX/XXXX, I received a copy of the contract via email per my request. To my surprise the copy of the contract now has 2 FORGED signatures from the dealership or Chrysler Capital with a date of XX/XX/XXXX that were not on the original contract. Once again, I was at the dealership XX/XX/XXXX NOT XX/XX/XXXX. I feel very deceived that I have been paying on a fraudulent truck for over 2 years. Also they never gave me rights to rescind pursuant to 1026.23 Right of rescission. ( a ) 1-3. No disclosures nor paperwork was provided to me either in the event this was an actual signed contract. I will be filing a formal complaint with XXXX, AG, FTC & NV DMV Compliance Enforcement as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover credit card offered me a 0.0 % balance transfer or 12months, I transferred {$2000.00} and paid {$60.00} in transfer fee XX/XX/2021. Discover is now asking me to pay in full in a month, by XX/XX/XXXX or they will apply interest charge of 22.99 %. I chatted with two different reps. and they both telling me the same thing. 

I paid the {$60.00} transfer fee thinking I have 12months to pay off my {$2000.00} little by little with 0.0 % interest as advertised instead, Discover is demanding me to pay the {$2000.00} within a month while they keep the {$60.00} fee I gave them. 

Why can't i pay just the new purchases portion in full and keep the {$2000.00} balance transfer promo and not have to pay interest?

Company response to consumer: Closed with monetary relief