vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 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: SC

Complaint narrative:
Back in XX/XX/2017 I filed an police report with an company that committed fraud. I was supposed to do a vehicle refinance. The dealer cashed the check and was suppose to pay off XXXX XXXX and XXXX XXXX. Dealership never paid XXXX XXXX or XXXX XXXX left me with two loans. I filed police report and customer compliant at XXXX XXXX. I'm still awaiting court date but XXXX XXXX closed out account on credit report. XXXX XXXX is still reporting account is open and high balance. I been trying to dispute with credit bureaus and had no luck at all and this is messing up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was informed in XX/XX/XXXX that the wire and NSF fee accumulated in my account could not be refunded due to the reaching the limit of refundable amount for every 12 month. So, the agent mentioned to me to call back on XX/XX/XXXX, since the first time I was refunded for the amount for XX/XX/XXXX and requested for the fees that have not been refunded to me in XXXX since I will have limit to be credited for. When I called back on XX/XX/XXXX, the Chase agent told me that there was no such thing. After going thru several agents and one agent advised me to go to the branch to dispute the case, I went to Chase Bank branch on XX/XX/XXXX. The agents told me that they won't be able to give me credit for it after I told them the direction given to me end of last year to come back and request a refund of the fee starting on XX/XX/XXXX. On XX/XX/XXXX, I called Chase bank and I explained the whole situation to the agent named XXXX, who processed the refund to me on the spot for the amount of {$130.00} and informed me that I should be getting the credit in my account within 7 days. If I do not get the refund within 7 days, I should send the secure message from Chase account online. When I send the message, it does not seem that the Chase agent knows the case at all. Similarly, when I called Chase over the phone, everyone gave me different answers. On XX/XX/XXXX, the Chase agent re-filed the new case for with complain # XXXX, got my phone number and asked me the best time to reach me over the phone in 24 to 48h. I told the agent that 10-11 am would be a good time to reach me over the phone. However, no one followed up with me. So, I called back on XX/XX/XXXX that the agent informed me I should hear back in a day since it already passed 24h and closed to 48h and the case has been escalated. No one called to let me know the case. I called today XX/XX/XXXX and spoke to XXXX agents, who gave all different information stating the case has been finalized and closed from the previous case. The last agent told me that the case is just being handled by retail servicing business department and I should hear from the agent that would call me back by end of today. I found that Chase agents are unprofessional, gave various versions of inaccurate information, and frustrated that the refund of {$130.00} has not been credited to my account after 7 months. I believe that Chase should be hold accountable for the statement made to the customer. I requested many Chase agents to review the recorded conversation that I have with agent XXXX on XX/XX/XXXX but no one seems to want to do that for the fair investigations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22 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: TX

Complaint narrative:
The following information listed below is inaccurate and I am requesting all three credit reporting bureaus to Delete the inaccurate information below. 
PREVIOUS ADDRESSES : 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 XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-22 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: TX

Complaint narrative:
The following information listed below is inaccurate and I am requesting all three credit reporting bureaus to Delete the inaccurate information below. 
PREVIOUS ADDRESSES : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX HXXXX XXXX Date Updated XXXX XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX XXXX HXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
No written consent has been given my to authorize the following credit cards associated to my identity. Under numerous attempts to remove these fraudulent accounts from my report the crediting agency has refused to remove the accounts. 

CB INDIGOXXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  The following inquiries are also negatively impacting my credit worthiness. I can confirm they are not valid inquiries since I have not physically signed any document or notarized any official authorization of a credit pull. Therefore I am demanding the immediate removal of these inquiries from my credit report because they are not authorized with my written consent. 

XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Sales And Service Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX  Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date XXXX XX/XX/XXXX XXXX Department And Variety Stores- non specific Inquiry date : XX/XX/XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX BANK XXXX NXXXX All Banks Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX & XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX BANK XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXXXXXX BANK All Banks Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  . 
Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XX/XX/XXXX, I called to have an authorized user removed from my account. That took place. XX/XX/XXXX, I received a letter in the mail that stated that they understood that I wanted to add an authorized user to my account. It asks for handwritten information about the new user, and does not require any security checks to establish that I am aware of their being added. I asked XXXX in customer service, and she said that it was a glitch. No.

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 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management INC. refuse to give me all the information that I am requesting for verification as of these -Proof of the original contract bearing my personal signature : -Proof that I entered into a contract with Midland Credit Management INC -Pay Of Disclosure : -Interest Rate Disclosure : -Balance History : -Payment History : -Credit Insurance : The have sent me over 100 pages of a contract that I know nothing about, and not showing me anything i'm asking. 

They have had numerous chances to produce the information i'm seeking, but yet fail to do so. By Law they have 30 days and it's been well over 100 + days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: U.S. BANCORP
State: MI

Complaint narrative:
I had a credit card account with Elan Financial that was opened XX/XX/XXXX. I used this account while in college and my grandfather was a co-signer on the account. In XXXX, my credit card expired and a new card was never re-activated. Unknowingly to me, there were auto-charges for {$200.00} on the account that were still be executed by XXXX and another company I do not recall. These bills were being sent to my grandfather 's office in XXXX and were being paid. In XXXX, his office was sold after he passed away and a forwarding address was provided for mail that was delivered to that location. These charges were again executed in XX/XX/XXXX and I never received a bill or notice of late payment from XXXX or ELAN financial. I found out about the pending charges via a notification from XXXX XXXX that my credit score had reported. I immediately paid the bill in XX/XX/XXXX and closed the account. I then sent a dispute letter to the ELAN financial regarding the charges that were made on an inactive credit card and explaining that I never received a bill or notice of late payment to the forwarding address for my grandfather 's office. To this day, I still have yet to receive correspondence regarding confirmation that the bill was paid, which I requested the day I paid the bill and an additional time I called to follow up. According to XXXX, XXXX and XXXX they have reported the account was closed but continue to report the account balance at {$270.00} ( principal charges and fees ) which I have confirmed is not true. Further, my dispute letter was sent to ELAN financial in XXXX of XXXX and I have yet to receive any response to my dispute to the address I provided.

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 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX I received notification that two accounts were opened in my name and using my social security number at BB & T. I contacted the bank and informed them of the issue... one account had been opened in TN and one in TX with my name and address associated with it. I contacted BB & T fraud department and was assured that they would close the accounts. I also contacted the XXXX XXXX Police Department and filed an identity theft report Report NumbeXXXX XXXX. I froze my credit. 

Today I received a bank statement from Truist for account " Truist XXXX Checking XXXX '' which shows a balance of {$110.00} with monthly maintenance fee of {$12.00}.

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 2022-02-23 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: MO

Complaint narrative:
XXXX XXXX XXXX repeatedly marked my account as " late '', charged a late fee, additional recovery fees and reported the account as late to the credit reporting agencies, despite the knowledge and agreement to change the due date on the account to mid-month. XXXX XXXX XXXX, did not adhere to policies regarding the change of due date, regarding payment agreements. XXXX XXXX did not do their due diligence in changing the required information and alerts, so that it would not be falsely reported to the credit bureaus. When the due date changed to the XXXX of the month, the account alerts should have been updated to reflect that important change. Otherwise, allowing the change of date is completely redundant and posturing, in order to appear to the authorities that XXXX XXXX XXXX was being flexible, at the time. XXXX XXXX XXXX should rescind the late charges, reports to the credit bureaus, from the time the arrangement of mid-month due dates was made. XXXX XXXX XXXX also refused to acknowledge a payment and continued to collect late charges and reported late payments to the credit bureau. I have provided official documentation from my credit union to support this, XXXX XXXX XXXX has not responded or attempted to remedy the situation.

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 2022-02-22 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: IL

Complaint narrative:
After analyzing my credit report, I discovered the following information, which makes me even more angry. I never gave your company the opportunity to report abusive actions against me under the Fair Debt Collection Practices Act ( 15 USC Section 1692 ). I was subjected to a breach of my privacy.

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 2022-02-22 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: Fay Servicing, LLC
State: MO

Complaint narrative:
Fay Servicing LLC repeatedly marked my account as " late '', charged a late fee, additional recovery fees and reported the account as late to the credit reporting agencies, despite the knowledge and agreement to change the due date on the account to mid-month. Fay Servicing LLC, did not adhere to policies regarding the change of due date, regarding payment agreements. Fay Servicing did not do their due diligence in changing the required information and alerts, so that it would not be falsely reported to the credit bureaus. When the due date changed to the XXXX of the month, the account alerts should have been updated to reflect that important change. Otherwise, allowing the change of date is completely redundant and posturing, in order to appear to the authorities that Fay Servicing LLC was being flexible, at the time. Fay Servicing LLC should rescind the late charges, reports to the credit bureaus, from the time the arrangement of mid-month due dates was made. Fay Servicing LLC also refused to acknowledge a payment and continued to collect late charges and reported late payments to the credit bureau. I have provided official documentation from my credit union to support this, Fay Servicing LLC has not responded or attempted to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I was not informed of the debt that is shown 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 2022-02-22 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: NC

Complaint narrative:
As I'm pulling my credit report on an account that was closed and sent to a collection agents. It is still adding extra charges to the remaining balance. Also the collection agency whom bought the debt states it sent the debt back to it's original owns due to some issues they was having. I am not aware of the extra charges until it is reposted on my credit statement stating my balance has increased by XXXX dollars. I have not gotten any updated information on this account with XXXXXXXX XXXX XXXXXXXX.

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 2022-02-22 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: NC

Complaint narrative:
This information is fradrglent and does not belong on my credit report. This information should be removed from my credit file. Any information used in your investigation should be sent to me via mail.

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 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Auto Loan services has incorrectly reported a late payment for XXXX of 2021. My vehicle and its loan was sold to the XXXX dealership as a trade in for another vehicle at the end of XXXX. The dealership paid off the loan balance in full then in XXXX I received a overpayment refund check from Wells Fargo. The report statement is inaccurate. I have visited a branch manager who confirmed that the report is inaccurate, as well as submitted 3 disputes through both XXXX and Wells Fargo 's internal dispute center each time with more information, yet the decision has remained the same. This needs to be removed as it is illegal to report inaccurate information 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 2022-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Peoples Commerce Inc
State: PA

Complaint narrative:
I have tried to resolve the issue on several occasions and company has not responded in the allotted amount of time by law

Company response to consumer: Closed with explanation