vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 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: NY

Complaint narrative:
I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old XXXX XXXX account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as XXXX XXXX. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  XXXX ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with XXXX XXXX. Yet I believe that XXXX XXXX   obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from XXXX  XXXX. It is difficult to believe that a publicly traded company such as XXXX XXXX would be XXXX enough to sell the same debt twice. Accordingly, I claim identity theft by XXXX XXXX from either XXXX XXXX XXXX or from XXXX XXXX directly. I paid my XXXX XXXX account directly with XXXX XXXX XXXX. My disputes with XXXX XXXX   went nowhere, where this fraudulent company stated to the bureaus that the XXXX XXXX debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, Equifax and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from XXXX XXXX, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens Bank recently XXXX XX/XX/XXXX XXXX reported a charge-off to my XXXX and XXXX credit reports. I dispute ownership of this account. I disputed with XXXX  and it was removed the next day. XXXX refuses to remove it despite me pointing out that it's a duplicate of a charge-off that is reported already on my account. I also dispute ownership of that account. The same account is being reported as two separate charge-offs. 

I disputed a second time with XXXX because Citizens Bank is re-aging this account so that it will appear on my credit longer. The duplicate account shows date of last payment as XX/XX/XXXX, but Citizens Bank is reporting it as XX/XX/XXXX. XXXX will not correct this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: FL

Complaint narrative:
I disputed the following account with XXXX XXXX XXXX XXXX because it was not my account and was opened fraudulently by someone else in Pennsylvania. I have never lived in Pennsylvania nor have I have been associated with the address on my credit report. I had asked them in the past to remove address as it is related to identity theft. I sent in a ftc complaint for this account and it was removed from my credit report. Experian has reinserted it on my credit report after deleting the 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 non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A fraudulent loan company gain access to my account information by pretending they were going to loan money. When i realized it was a scam I contacted Chase bank on XX/XX/XXXX. Chase bank froze/restricted the account on XX/XX/XXXX after the fraudulent activity on XX/XX/XXXX. I receive Social Security Retirement benefits which are directly deposited on the XXXX of the month. When i went into the bank i was told that my account had been restricted for the fraudulent activity and that Social Security Direct deposit for XX/XX/XXXX had not been accepted and would be returned and that any payments that I had setup to pay from my account would also be returned. I was also told that chase no longer wanted me for a customer and they were closing my account. 
I informed them that i had contacted the bank on XX/XX/XXXX to let them know about the fraud/scam and that i had filed a police report as well with the local authorities. I then went to Social Security to change my direct deposit information on XX/XX/XXXX. On Monday XX/XX/XXXX I contacted Social Security to see if the direct deposit had came back and I was informed that it had not. I then contacted Chase bank and found that they had received the Social Security direct deposit on XX/XX/XXXX and it was on that account, however they had refused my debits that came in to be paid on XX/XX/XXXX. I went into my local Chase branch and they are refusing to release my Social Security payment for XX/XX/XXXX because of the fraud/scam activity on the account. I have no other source of income and none of my bills are being paid for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for a Chase Credit card and was denied credit. I immediately called the Chase credit card department at XXXX and spoke with XXXX, got disconnected and later spoke with XXXX, both on XXXX XX/XX/2019, at XXXX XXXX. through XXXX XXXX I asked XXXX for the main reason of denial for the credit card. She stated I had an 18-year-old Bankruptcy against XXXX, that account in question was charged off through the bankruptcy as bad debt, however, JP Morgan Chase recovered most of the money through federal subsidies. Furthermore, it is against the Consumer Credit Protection Act of 1968. to use information no longer listed on my current credit report. I told XXXX that I was only looking for a {$2500.00} credit limit and Chase had no business using old records on file. It took me over ten years to clear the bankruptcy on file and that alone can not be used against me to deny me credit. My credit report is very good, XXXX. I also asked XXXX to please reconsider me for a Chase credit card, In good faith, to slowly build my credit. The Denial letter was sent back to the bank for further review. I have not heard anything as of yet. For them to reconsider their decision. I have a XXXX Credit Score, no outstanding debt, payments are always on time. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: LA

Complaint narrative:
On XX/XX/XXXX my childs XXXX posted to the card. I paid my light bill. Then 2 days later I tried to purchase something at a store and it declined it. It wasn't but an 8 dollar purchase and I knew I had over XXXX on there. So I called to check the balance and I entered in the last 4 of my card number like it asked. Only this time instead of asking for my pin it asked for my 16 digit card number or social security number. I enter that in and it puts me on hold. And automated voice tells me high call volumes and wait time is over 45 minutes. I wait on hold for an hour and 20 minutes then the phone goes silent and im disconnected. Im raging mad now so I call back. Same scenario, I wait and wait for over an hour and phone goes silent and it hangs up. I have done this every single day, at different hours of the day with this card company Direct Express. I have not yet, after a week, gotten to speak to anyone on the phone. They are holding my money and my info hostage and not giving any of their card holders much info. I have XXXX this issue and its happening to soo many people. Some are being evicted and some are getting lights cut off bc they rely on this money. I'm lucky enough I have some money to back me up but all those others lives tossed upside down because of this company. I'm also sending this to the news crews around here. I have filed a complaint with the XXXX. I can't log into my online account. It says those credentials aren't correct when I know they are. This isn't just an uh oh they get to ignore us all problem. I need answers and I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am sending this complaint over some accounts that I have on my credit file that need to be properly updated and removed from my credit report. Please delete/remove XXXX XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have already filed a CFPB complaint against these companies and the account were not accurate or valid.

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 2019-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
There wasn't a category to specifically identify my issue ; however, this category is the closest. 

On XX/XX/2019, Walmart ( XXXX XXXX / XXXX ) pulled an unauthorized amount of {$300.00} from my checking account. However, the unathorized amount, categorized as a payment, on the transaction details, hasn't been posted to my account. 

My regularly scheduled monthly automatic payments have been processed on the XXXX or XXXX of the month for several years. My regularly scheduled automatic payment was processed on XX/XX/2019. XXXX personnel aren't able to locate the payment even though I've provided them with the transaction details. 

Walmart is in the process of moving my credit card account from XXXX to Capital One. It appears that someone within the establishment ( XXXX XXXX or XXXX ) has fraudulently taken advantage of my automatic payment information. Now, XXXX XXXX is refusing to acknowledge the issue, although Ive provided them with the transaction details. 

Per the transaction details, the " Sending Bank '' is XXXX XXXX. When I called the " Bank Phone Number '' that included in the transaction details, I was transferred to XXXX. Although I've provided the transaction details to XXXX 3 times, they've sent me another message asking for the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am sending this complaint over some accounts that I have on my credit file that need to be properly updated and removed from my credit report. Please delete/remove XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. I have already filed a CFPB complaint against these companies and the account were not accurate or valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am sending this complaint over some accounts that I have on my credit file that need to be properly updated and removed from my credit report. Please delete/remove XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX , XXXX # XXXX. I have already filed a CFPB complaint against these companies and the account were not accurate or valid.

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 2019-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Orions Management Group, LLC
State: UT

Complaint narrative:
This account was opened in XXXX of 2015 fraudulently. My identity was stolen and several accounts were opened in my name. I have filed with the FTC and a police report and have sent this to the company and they have ignored it. They have since sold it to Orions Management Group LLC and this company will not leave me alone. They keep calling me and harassing me and threatening me with civil lawsuit and judgement. When I told them the last time they called that this account was fraud due to identity theft they tried to blame it on my family and my husband. The account they claim was used is not mine. Orions have also put this on my credit report and this has hurt my credit. I also have told Orions that they broke the CROA law and that this has exceeded the Statue of Limitations for fraud and identity theft. I asked them to provide me with paperwork that has my actual signature on it and they told me they do not have it. They sent me paperwork via my email that was emails sent from a phone that was not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: GA

Complaint narrative:
I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I have two open and current accounts that are not showing on my credit report. The first account is with Commenity Bank XXXX and the second is XXXX XXXX credit card. Commenity back I have had numerous problems with and my current account with them was showing on my report for a while but it just somehow disappeared today even though the account is still open and in good standing. This hurt my credit file drastically. The next is a XXXX XXXX credit card that is in good standing but doesnt show on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 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: PA

Complaint narrative:
Equifax continually lowers my XXXX score by mis rating and connecting a XXXX XXXX XXXX   Account, Interest is accruing, but loan is not due payable for 6 months yet, I can not pay interest until payment is due ... this is incorrect, and they need to stop this baloney

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: GRANITE STATE MANAGEMENT & RESOURCES
State: PA

Complaint narrative:
XXXX continually lowers my XXXX score by mis rating and connecting a Gran9te State Management Account, Interest is accruing, but loan is not due payable for 6 months yet, I can not pay interest until payment is due ... this is incorrect, and they need to stop this baloney

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I have reached out to One Main several times by certified mail to address this inquiry showing on my credit report. it has now been over 30 days and i still havent received the proper validation for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Regarding credit collections for XXXX XXXX XXXX   {$970.00} Please send me a detailed credit report that shows where this collections is being classified as a " medical/healthcare collections '' as is required by FCRA Section 623 ( a ) ( 9 ) which explicitly states that both the original creditor AND its agent ( XXXX XXXX XXXX in this case ) must be classified as medical/healthcare. 
I've asked for this information on 6 different occasions and you keep sending the same exact report format that does not contain this information. I'm sorry but I will NOT go off your representatives word alone that it is properly classified as a medical collections. 
Quit sending me the same report without verifying that it has the information you claim that it does!!! Either SHOW ME PROOF OR DELETE IF FROM MY RECORDS!!! I'm going to file a lawsuit if this is not remedied IMMEDIATELY. 
What are you not understanding about this request??? 
I've attached a copy of the last 4 credit reports you've mailed me that DO NOT contain evidence of its classification as your representatives assured me via RECORDED phone call it would. 
Attached : XX/XX/XXXX Credit Report - NO PROOF OF THIS IS BEING ACCURATELY CLASSIFIED AS MEDICAL/HEALTHCARE AS OUTLINED IN THE Credit Reporting Resource Guide, via population of the Creditor Classification ( K segment field ) XX/XX/XXXX Credit Report - NO PROOF OF THIS IS BEING ACCURATELY CLASSIFIED AS MEDICAL/HEALTHCARE AS OUTLINED IN THE Credit Reporting Resource Guide, via population of the Creditor Classification ( K segment field ) XX/XX/XXXX Credit Report - NO PROOF OF THIS IS BEING ACCURATELY CLASSIFIED AS MEDICAL/HEALTHCARE AS OUTLINED IN THE Credit Reporting Resource Guide, via population of the Creditor Classification ( K segment field ) XX/XX/XXXX Credit Report - NO PROOF OF THIS IS BEING ACCURATELY CLASSIFIED AS MEDICAL/HEALTHCARE AS OUTLINED IN THE Credit Reporting Resource Guide, via population of the Creditor Classification ( K segment field )

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 2019-10-10 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: IL

Complaint narrative:
I have reached out to XXXX XXXX several times by certified mail to address this inquiry showing on my credit report. it has now been over 30 days and i still havent received the proper validation for this matter.

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 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I had made several attempts over the past 5 years to get a lower monthly payment with Barclays. I went in to the hardship program twice. The initial time I only had to make payments of {$100.00} and the second time it went to {$150.00} which at the time I informed them I could not afford. Once the card went back to regular payment plans they request over {$400.00} a month in monthly payments just to maintain the balance. I do not truly owe the entire amount shown on the account as a majority of it lies in fees, penalties, and interest. They would only allow me to go in to hardship once I was behind on payments, which I was penalized for, and kept increasing the hardship payments. It was a battle and struggle to just maintain the debt on this account. I would like to reach a settlement with this company with reasonable monthly payments that I can afford. There is no way I can afford a {$400.00} a month card payment to keep the same balance while also paying a car payment and student loans and so on.

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