vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-08 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried obtaining my credit reports from all 3 agencies at XXXX. I was able to view and print my complete XXXX and XXXX credit report but not the Equifax report. I'm certain all the verification information I provided was accurate. The fact that i got the other two is indicative of that. Equifax is putting unnecessary roadblocks to stop consumers from accessing their credit report. Equifax asked me to send in my request by mail ( Equifax also requested id proof with SSN ). I'm not comfortable sending my personal information in printed format. 

Below is the message I received : Print and complete the Annual Credit Report Request Form. You'll need to mail the completed Annual Credit Report Request Form and a copy of the required documents described below to verify your identity Mail in a copy of one item in each of the categories described below. 
The item you include from the Identity category MUST contain your Social Security number, and the item you include from the Address category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) Please enlarge photo copies of any documents that have small print, such as your driver 's license. Also, make sure the documents are easy to read and do not have highlighting. To avoid delays, keep in mind that if the photo copies are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. 

Mail to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2021, my car was broken into at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. My passenger car window was shattered. My wallet, gym bag, and lunch tote were all stolen and multiple charges were attempted on all my debit and credit cards, including my old unemployment card. When the electronic fraud alerts populated, I selected that they were fraud charges on all of them so I dont understand how this charge went through. One charge went through on my chase sapphire credit card for {$1100.00}. I have spoken with chase multiple times about this. The first call they reassured me the charge would be removed and no documentation was necessary. The charge was then added back on my card towards the end of XXXX. I called and they said the charge was valid and I am responsible for it because a PIN number was used - there is no PIN number for this credit card so thats invalid. I proceeded with providing screenshots of the drivers license renewal, screenshots of all the fraud alerts I was notified of, and a police report, and they deemed the charge valid still. No one is contacting me directly about it and they are avoiding helping me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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:
XXXX  just called me and said their 3rd party to this so info is incorrect and should be deleted thanks

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 2022-01-08 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: IL

Complaint narrative:
XXXX  just called me and said their 3rd party to this so info is incorrect and should be deleted thanks

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 2022-01-08 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: Retail Merchants Associates
State: FL

Complaint narrative:
On XX/XX/XXXX I visited XXXX XXXX  ( XXXX XXXX XXXX XXXX # XXXX, XXXX, Florida / Phone : XXXX ) where I received services and paid the amount of {$58.00} ( see attached receipt ). On XX/XX/XXXX the mentioned merchant charges XXXX without my consent and authorization, I called them and they said they " realized '' they forgot to charge the correct price at the moment. This is a total fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: FL

Complaint narrative:
On XX/XX/2021 I sent out papers to the 2 credit bureaus ( XXXX XXXX Equifax ) telling them that there was wrong information reporting in my credit report and asking can they send me proof of the inquirys .It has been more than 30 days and I still havent received anything from them at all. So I sent out even more letters this XX/XX/2021 and still received no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: IL

Complaint narrative:
XXXX just called me and said their 3rd party to this so info is incorrect and should be deleted thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: MI

Complaint narrative:
I have recently received my current credit reports from XXXX, XXXX and Equifax and they all show different information regarding my closed XXXX account. The dates reported late are incorrect. Equifax shows 90 days late twice and 6 other times late 60 days late. While XXXX and XXXX shows the same account 60 days late twice and 30 days late 6 other times. This is the same information I disputed a while back as being incorrect but now I have the proof. It has been reporting incorrect all this time, if they are pulling information from the same source how is this misinformation being reported differently on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
This is in regards to my Barclay card. I pay off the entire balance twice a month. I go to the Barclay Internet site, see what I charged, see what I owe and pay it off. It always adds up when I add the new charge numbers compared with the payments I have made. This month the Statement said I owed {$1500.00} ( XXXX ) and I have no problem with that, I went over the charges. I paid {$1400.00} of it which is reported as such on their internet Statements provided for me. That comes to a total of {$150.00} which I would gladly pay because I owe it. The Statement amount I owed said I owed {$500.00}. I wanted an explanation of why so I contacted them through their site. They replied see your transaction statement. That's exactly what I had done and the numbers just didn't add up. I called them went over the numbers. They said it was carryover from the month before but when we viewed those statements I actually carried over a surplus. we looked at the statement before that ( surplus ). They could not explain the discrepancy. I spoke with the supervisor, she could not explain the discrepancy. It ended with " you just owe that because that's what our records say you owe, so pay it. '' I have paid it and cut up my Barclay card. I told them to cancel my account but in my eyes because they couldn't explain the extra {$300.00}, I believe they stole that money from me. Thanks so much for this outlet and I hope you can help or at least warn people not to use Barclay. Respectfully, 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 2022-01-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account in my name with XXXX XXXX, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation 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 2022-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with XXXX XXXX XXXX nor was I aware that an account was ever opened in my name. XXXX XXXX XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. XXXX XXXX XX/XX/1980 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 2022-01-08 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: TX

Complaint narrative:
XXXX continues to report inaccurate information to my consumer credit file. This account was fully paid off by my insurance provider due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. By reporting this account inaccurately XXXX is in violation of the FCRA. This account was fully paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: OH

Complaint narrative:
I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file. 

XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MD

Complaint narrative:
I received an email on XX/XX/2021 stating that Chime decided to close my checking and savings accounts effective immediately without any warning. I reached out to ask why my account was closed and how I can retrieve the money in my account. Chime responded that they can not disclose any detail. Since then I have contacted Chime multiple times asking for my account funds and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: TX

Complaint narrative:
XXXX continues to report inaccurate information to my consumer credit file. This account was fully paid off by my insurance provider due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. By reporting this account inaccurately XXXX is in violation of the FCRA. This account was fully paid 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 2022-01-08 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: TX

Complaint narrative:
XXXX continues to report inaccurate information to my consumer credit file. This account was fully paid off by my insurance provider due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. By reporting this account inaccurately XXXX is in violation of the FCRA. This account was fully paid 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 2022-01-08 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: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
On XX/XX/XXXX I was in a car accident, totaling my XXXX XXXX XXXX I filed a claim with my XXXX XXXX insurance company about 2 days later after leaving hospital as well as informing my lender bridgecrest that the car was damaged. The car was deemed a total loss and my adjuster reached out to bridgecrest and by XX/XX/XXXX a check was sent to bridgecrest from the insurance for $ XXXX still owed about {$14000.00} before the insurance payment and now the balance is XXXX which will be taken care of by bridgecrest gap coverage that they said was filed on XX/XX/XXXX but they charged off my account and has it showing as a repossession hindering me building my credit and obtaining a new vehicle. Every time I call they keep saying XXXX to XXXX for the gap pay but it is very negatively affecting my credit score and its a total loss not a repossession.i disputed it and they reported insurance paying off but still did a charge 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 explanation
Consumer complaint received 2022-01-08 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: TN

Complaint narrative:
Ive been a victim of identity theft

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 2022-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I obtained a store credit card - XXXX XXXX XXXXssued by Comenity Bank. The store manager offered me 0 % for 24 months and I made a purchase of furniture. When I received the statement I realized the XXXX XXXX put the wrong terms on the card - 1 year instead of 2 years that I agreed to. I called Comenity to make them honor my chosen terms and they haven't done anything about it. I called Executive Managment at XXXX XXXX and they promised they would fix it and the account is still billed wrong, for minimum payment of {$1000.00} instead of a lower amount. To make things absolutely worst, Comenity reports 4 late payments on credit reports that is very damaging to my up until now perfect credit history. 

I am seeking your help with this that they correct my account and remove the late payments as this is admittedly their negligence on my account, and not mine. 

Thank you. 

I am including the documents evidencing this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-08 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: MI

Complaint narrative:
I have recently received my current credit reports from Transunion, XXXX and XXXX and they all show different information regarding my closed XXXX account. The dates reported late are incorrect. XXXX shows 90 days late twice and 6 other times late 60 days late. While Transunion and XXXX shows the same account 60 days late twice and 30 days late 6 other times. This is the same information I disputed a while back as being incorrect but now I have the proof. It has been reporting incorrect all this time, if they are pulling information from the same source how is this misinformation being reported differently 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 2022-01-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have recently received my current credit reports from XXXX, Experian and XXXX and they all show different information regarding my closed XXXX account. The dates reported late are incorrect. XXXX shows 90 days late twice and 6 other times late 60 days late. While XXXX and Experian shows the same account 60 days late twice and 30 days late 6 other times. This is the same information I disputed a while back as being incorrect but now I have the proof. It has been reporting incorrect all this time, if they are pulling information from the same source how is this misinformation being reported differently 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 explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have 15 small installment open loans with Affirm ( total balance due for all accounts is {$750.00} ). Recently I lost part of my income as an in XXXX XXXX XXXX for my grandmother, who passed away due to complications from XXXX. I have contacted the company numerous times to tell them I am having difficult paying my loans but they refused to work with me. Since contacting them they have charged off 3 of the loans to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I am unable to open any new credit disputes on the credit karma app. I got an email prior to filing this complaint saying that there is a technical glitch. Please resolve this asap or give clear written instructions on how to remedy this error. I can not speak on the phone due to a XXXX but if you have a phone number i will take that too in case i get an assistant. But until then please reply in writing or give me an internal email to assist me. I want to be able to open more credit disputes for duragotory misinformation. Thank you. 
Here is the email i received attached.

Company response to consumer: Closed with explanation