vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Tate and Kirlin Assoc
State: MO

Complaint narrative:
I tried to have all these companies that are showing on my XXXX credit report remove. I tried to dispute it with the companies and also XXXX but unsuccessful there are third party collections agency that have 2 of my accounts that are paid in full for XXXX and XXXX. My personal information is showing up on the Dark Web which social security number and and all my personal information I was notify by XXXX XXXX on XXXX XXXX. I have been trying to get help regarding this matter. The list of companies I want remove from my XXXX account Tate Kirlin and Associates, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX  and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
The is a collection account placed on my credit files from Radius Global Solutions on XX/XX/2021 for the amount of {$290.00}. The original creditor is XXXX XXXX XXXX XXXX. This is not my account and I am not responsible for this account.

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 2022-02-11 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: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXXXXXX XXXX  '' my ssn : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL 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 2022-02-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I HAVE NEW AND UPDATED INFORMATION. Before I proceed, I would like to make it clear to your company, and those in position of authority of your company, that congress makes it clear that the banking system is dependent upon my consumer reports being fair, and accurate to me, Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 4 ) you were unfair in reporting this information without consulting with me the consumer. Experian has violated my privacy by reporting 4 different names on my consumer report also 7 different fraudulent addresses reporting I, the consumer have in fact sent in verification in my previous dispute with the CFPB ( dispute 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 2022-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Google Compare Credit Cards Inc.
State: WV

Complaint narrative:
loosing access to google account because of google pay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021, I am a NJ resident, and I purchased a used vehicle and warranty from a dealer in PA. I put the down payment of XXXX on my American Express and completed the paperwork to pay via auto loan. I had the car for a week ( XX/XX/XXXX ) and was actually on my way to the XXXX XXXX XXXX vehicles when the car shut down in the middle of traffic. This nearly caused another car to hit me in the back. I was able to get the car towed to a XXXX dealership and found that the car had a recently replaced lever which was seated improperly and therefore the axel needed to be replaced. They also found metal in the transmission and advised me it would cost XXXX to replace. 
I contacted the dealer and asked them to take back the car and to cancel the deal. ( This was all through texts which I still have. ) Initially they refused and I called American Express and reported the purchase as a dispute since items were not sold to me in the condition promised. When the dealer received notice of my dispute, he agreed to take the car back and to cancel the auto loan deal. They sent me proof of this, and I forwarded this info to American Express. 
First, American Express returned the funds to the dealer stating the dealer advised them I had no warranty. When I resubmitted the complaint and provided the same proof again and confirmed they received it, they reopened the complaint. 
A few weeks later they gave the funds back again claiming they have no proof that I no longer had the vehicle. When I sent in proof showing I no longer had the vehicle they reopened the complaint again. 
A few weeks later they closed the complaint again and sent the funds to the dealer again claiming I did not allow the dealer to get the car when I first filed a complaint. I submitted more proof showing them text between the dealer and myself proving I asked the dealer to take back the car repeatedly and the dealer only agreed after I submitted my dispute with American Express. 
During this whole back and forth, I also uncovered the XXXX which also showed the dealer lied about the mileage on the car. I also submitted this proof to American Express. 
At this point they are just wasting my time. I believe this credit card company is finding in favor of the dealer because the dealer advised me, he was a black card holder with American Express and had been with them for a long time. He brought this up unprompted when I presented my American Express for down payment. 
It makes no sense that I am expected to pay American Express for a vehicle I do not own or have in my possession. The car was taken back and the auto loan was cancelled and I proved the vehicle was not in a condition congruent with used car laws of PA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section XXXX ( XXXX  ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " CREDIT PLUS Inquiry : XXXX XXXX, XXXX '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
XXXX already got a judgement against me for this debt and now Halstead Financial is trying to collect the debt and mailer says its pre legal status as if theyre going to sue me again for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand 2 Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.

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 2022-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This loan was from Bank of America for a XXXX XXXX XXXX. There was a late payment placed on my credit file for XX/XX/XXXX, which is incorrect. This vehicle was transferred/sold to a car dealer, which the bank ( Bank of America ) was paid off at that time. The transfer of the vehicle took place on XX/XX/XXXX, which is before the XX/XX/XXXX payment was due. The account is now closed but the late payment still exists on my credit file. 

I am attaching a odometer statement which shows the transfer of the vehicle to the car dealer. This document was signed by myself and the auto dealer.

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 2022-02-11 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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 2022-02-11 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and i am writing to delete the following information from my consumer report. The items i listed i need deleted. I am a victim of identity theft and did not make the charge. I ask that you delete the information to correct my consumer report. Based on 15 us code 1681c- 2a a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged Identity theft, nor later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV already got a judgement against me for this debt and now XXXX XXXX is trying to collect the debt and mailer says its pre legal status as if theyre going to sue me again for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX '' my ssn : XXXX Address : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX : XXXX XXXX, 2022 '' my ssn : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This account is from Macy 's which shows previous late payments from the company. The late payments that reflect on the account are from XX/XX/XXXX, and XXXX thru XX/XX/XXXX. It shows 30 days and 60 days late. The payments were during a COVID-19 pandemic where the company offered me a forbearance due to financial hardship nationwide, with ZERO negative reporting. I took advantage of the forbearance that was offered, however, the late payments are showing on my credit files. 

As of today, my account is current.

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 2022-02-11 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: Elevate Recoveries, LLC
State: TX

Complaint narrative:
ELEVATE RECO has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am in the process of buying a house, XX/XX/XXXX, I have been approved for a loan with JP Mogan Chase on XX/XX/XXXX. I did not check or go elsewhere for a different mortgage pre-approval or check my credit again. At that time my credit score was XXXX. XXXX, XXXX, XX/XX/XXXX : my credit score was XXXX. I had a conversation with my lender at JP Morgan Chase Loan between XXXX XXXX XXXX XXXX to lock the loan rate because the closing date to buy the house is between XX/XX/XXXX and the end of XX/XX/XXXX. Suddenly, my credit score went down to XXXX points. I contacted the bank and followed up with them, I have the inquiries report stating that my credit score has been checked 5 times. And that is the reason my credit score went down. FACTUAL DATA XXXX/XXXX/XXXX, XXXX, XX/XX/XXXX, and JP Morgan Chase XXXX XXXX XXXX the companies that pull my credit. I'm making a complaint against the companies, and all unauthorized hard inquiries by JP Morgan are to be removed, so my credit score can go back to what it was XXXX. And I can continue the process of purchasing the house at the rate that I qualified for as I already have an executed contract with a builder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am a card member of a Sam 's Club XXXX XXXX XXXX. XXXX of the main reasons I signed up was because they offered XXXX XXXX XXXX XXXX as stated on Synchronys website ( pages 3-4 ) https : //samsclub.syf.com/essimages/cs/groups/ess_webasset/dualcard/@sams/en/pdf/ess034819.pdf The benefit states : Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone You must charge your monthly Eligible XXXX XXXX XXXX bill to your Covered Card. 

Coverage for a Stolen or damaged Eligible XXXX XXXX XXXX is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is {$800.00} per claim I fulfilled my part to charge my monthly mobile XXXX service payments to this credit card. Therefore, I was under the impression that I was insured by XXXX so I canceled my insurance with my carrier. 

However, when I tried filing a lost phone claim on XX/XX/2022, I called XXXX claims department and they denied my benefits because they said the issuing bank, Sychrony Financial canceled this benefit and to direct the claim to them. When I reached out to Synchrony on XX/XX/2022 they pointed the finger back to XXXX for canceling this benefit. Both parties said they cant do anything about this. 

When I escalated this call to a manager at XXXX on XX/XX/2022 and explained my predicament, she hung up on me. As a consumer I feel deceived, frustrated and defaulted of a valid claim of {$800.00}. 

On the on the lost phone coverage even though it was clearly stated on the benefit guide. Both sides claimed that the other party should cover it. After long waiting and calling time, it remains unresolved. Synchrony call agent hang up on me. I am very disappointed about the advertised benefit and how it was handled when it is needed. 

The benefits are still currently posted on Synchronys website as of XX/XX/2022 for this coverage. They did not send me any communications to notify me this benefit is no longer provided. This is deceptive advertising and hurts consumers.

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 2022-02-11 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: U.S. BANCORP
State: CA

Complaint narrative:
I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted the complaints against US Bank for its inappropriate behavior which violates consumer 's right. 

CFPB notified that the company has 60 days to provide the answers. 

US Bank did not provide any answers. It is more than 60 days. 

US Bank even reported to CFPB that it is researching the issue and will submit a report. 

Where is the report? 

Why did CFPB close the complaints without an investigation? 

US Bank is continuously provided false and wrong reports to my credit. As a result, I can not get any loan.

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