vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 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: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 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: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got a credit card from Lowe 's ( XXXX CA ) to avail of the 6 months interest free program. I received my first statement ( XXXX ) through the mail and immedidately sent payment for almost 10 times more than the minimum amount required ( {$420.00} vs {$44.00} ) by mail. However, due to XXXX issues causing delays in the post office, I assume that the company received the payment later than the required due date. Also, unbeknownst to me, they changed my statements electronically from the paper statements that I was expecting to receive on a monthly basis. I called the company to correct this error since I never received the second statement ( XXXX ). Afterwards, I immediately sent the second payment for {$420.00} to cover the amount for the second statement, which I assume is also {$44.00}. Upon receipt of the third statement ( XXXX ) by mail, I noticed that the balance owed was more than the amount I expected to still owe the company. It turns out that they charged me {$29.00} late fee for XXXX and {$40.00} late fee for XXXX including {$0.00} for interest fee. I called the company to dispute the fees and they agreed to refund me the {$40.00}. However, the other fees are still enforced. I just want to report that the business practices of this company regarding the fees are unconscionable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: CA

Complaint narrative:
I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have incorrect information reporting to my credit and it is preventing me from purchasing a home for my family through XXXX XXXX XXXXXXXX. Ive reached out to these companies several times and have explain to them that this is not my debt And they have failed several times to give me proof. On top of that My insurance premium is going up because of these collections and they are saying is mine luckily I still have my job and I havent missed out on any opportunities because of my credit score however it is harder for me to rent an apartment and that is the main reason why Im looking to get home. The deposit that I have to pay for my utilities as well as Internet is outrageous all because they are going based off my credit. At this point I dont feel like I can build wealth in America or even retire because of the falsely accused collections that are on my credit report. I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: CITIBANK, N.A.
State: GA

Complaint narrative:
My dispute has been forwarded to citi executive response team to resolve my fraudulent charges on my Sears Credit Card # XXXX. They sent me pdf messages that when I recieved them the time were already expired. I tried to explain to them that Im a XXXX XXXX and dont understand a lot of computer stuff and my phone dont work correctly. 
Ive talked to several persons at citi executive response team XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX supposed to call me back on XXXX of XXXX 2021. I called her back the voice message forward me to another person. They keep passing the Torch. So this is why I requested that we communicate in Writting by Mail and send it through the United States Postal Service. So I can have proof of what the conversations was about resolving the fraudulent charges on my sears credit card.

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 monetary relief
Consumer complaint received 2021-12-20 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: CA

Complaint narrative:
I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing a bankruptcy with Equifax that has been dismissed. Recently, I got a response that the bankruptcy is not reporting on my Equifax report so I got excited. But I logged in to my Equifax report today, but surprisingly the bankruptcy is still on there! This is absolutely false reporting and dispute results as well as devastating!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Yes I messaged Navy federal about unauthorized charges on my credit card account they ignored the issue and proceeded to close my account and have it in a frozen status they even locked me out of my account. I did an investigation to remove the inaccurate information from my report it took more than 30 days and they did not update me they just said it was verified from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM 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 COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE 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 2021-12-20 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: Lending Club Corp
State: GA

Complaint narrative:
I refinanced my home in order to use the equity to pay off debt. My due date with Lending Club was XX/XX/XXXX. There is a 15 day grace period. My mortgage refinance didn't close until XX/XX/XXXX. The Mortgage company sent me checks which were already made out to my creditors, including Lending Club. I received the checks on XXXX XXXX and put them in the mail that day. ( With excitement, I might add. ) All my creditors except for Lending Club posted the payment to my account on XXXX XXXX. 

Lending Club claims that they post payments when they receive them. However, they did NOT post the payment to my account until XX/XX/XXXX. Then they reported me over 30 days late to the credit bureaus. The check they received is even dated XXXX XXXX. There is no way it took them 2 weeks to receive the check. Their delay in posting the payment resulted in me being reported 30 days late. This is the epitome of unfair. I called them to ask that they fix this error. The claim they did not err. So in affect, if you are 20 days late with Lending Club, they will report you as 30 days late after they dawdle with your payment. They have the envelope that the payment arrived in which shows the post mark arriving to them in XXXX. Not XXXX. 

Look at the uploaded examples of some of the other check recipients. They show that they were all able to post the payment on XX/XX/XXXX. The checks were ALL mailed at the same moment. No way did Lending Club NOT get their check on the same day the others did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM 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 COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one credit card company is doing two three credit inquiries a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several accounts that I did not consent to be on my consumer credit file. I've sent in several requests to remove unauthorized information on my consumer credit file to this company directly. Instead of removing the accounts, they've chosen to simply " parrot '' verification from untrustworthy sources. They have willfully chosen not to comply with my demands. I have attached a document detailing my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
XXXX XXXX has been reporting a collection on my account in the amount of {$2100.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: FL

Complaint narrative:
Yes I messaged XXXX XXXX  about unauthorized charges on my credit card account they ignored the issue and proceeded to close my account and have it in a frozen status they even locked me out of my account. I did an investigation to remove the inaccurate information from my report it took more than 30 days and they did not update me they just said it was verified from transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 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: FL

Complaint narrative:
Yes I messaged XXXX XXXX  about unauthorized charges on my credit card account they ignored the issue and proceeded to close my account and have it in a frozen status they even locked me out of my account. I did an investigation to remove the inaccurate information from my report it took more than 30 days and they did not update me they just said it was verified from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: FL

Complaint narrative:
Yes I messaged XXXX XXXX  about unauthorized charges on my credit card account they ignored the issue and proceeded to close my account and have it in a frozen status they even locked me out of my account. I did an investigation to remove the inaccurate information from my report it took more than 30 days and they did not update me they just said it was verified from 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 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: KS

Complaint narrative:
On XX/XX/XXXX, Chime bank emailed me requesting documentation to keep my account active. I replied on XX/XX/XXXX requesting more time. On XX/XX/XXXX, they closed my account. I provided requested documents on XX/XX/XXXX and they never replied. I tried calling and accessing the website. There automated phone services hangs up on me because my account is inactive. The only way to communicate with them is through email and they will not email back. I had about {$160.00} in that account. Without having access to the app, I do not have exact numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, a number was mistyped on a XXXX transaction. The recipient in error was contacted and they instructed their bank to withdraw the funds from their account so that Chase can request for it back. I sent a message on the Chases secure message portal with all the information ( recipient name is XXXX, the mothers name is XXXX XXXX ). We have been trying for over two months to get Chase to request the funds back and they will not do so or help in any way. 

I spoke with the Claims Department on XX/XX/XXXX, and was told that it will take 2-3 weeks to claim the funds back. I waited and called on the XXXX of XXXX after the funds was still not in my account. I was told that they will reopen the claim and call back. I called back on XX/XX/2010 & XXXX, XX/XX/XXXX & XXXX, went to the XXXX branch on the XXXX and called again today XX/XX/XXXX. Spoke to a supervisor who told me that at this point Chase will not and can not do anything to recover my money that is being held by the other financial institution unless we send a subpoena to Chase. 

Chase participates in XXXX and willingly helps move the funds, but washes their hands if something goes wrong and has been utterly unwilling to help resolve this matter. We dont even know what bank has the money. Chase does, but they cant tell us for privacy reasons. They wont even ask the other bank for the money because it was our error, so they dont want to get involved. They created this form of funds transfer. They should help resolve it without having to resort to legal options, but they dont seem to care one bit about their customers.

Company response to consumer: Closed with explanation