vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On the XXXX of XXXX, 2020 XXXX  XXXX reported my Balance of approximately XXXX to the Credit Bureaus as the Closing Balance and Usage Rate for XXXX, XXXX, 2020 which was XXXX. 

On the XXXX of XXXX, 2020 Experian disclosed my Credit Score as XXXX from XXXX. 

On the XXXX of XXXX, 2020 Experian disclosed my Credit Score as XXXX from XXXX. 

On the XXXX of XXXX, 2020 I disputed my Credit Score. Experian referred me to the Creditor XXXX XXXX. 

On the XXXX of XXXX, 2020 XXXX  XXXX refused to Report the actual Closing Balance of XXXX, XXXX, 2020 which was XXXX. 

On the XXXX of XXXX, 2020 Experian disclosed my Credit Score of XXXX from XXXX. 

On the XXXX of XXXX, 2020 ; I filed a Complaint with the Consumer Financial Protection Bureau against XXXX XXXX for reporting my Balance on the XXXX of XXXX, 2020 as my Closing Balance and Usage Rate for the XXXX of XXXX, 2020. Complaint Number XXXX - XXXX. 

A particular Credit Card@1XXXX line of Credit ; closes on the XXXX of each month. On XXXX, XXXX, 2020 my Balance was XXXX and on XXXX, XXXX, 2020 the Creditor reported my Usage Rate as the Balance on XXXX, XXXX, 2020 of approximately XXXX and even though I received a letter during approximately XXXX, 2020 that the Creditor might report any given Balance of a Proceeding Cycle for the Closing and Usage Rate of the previous Cycle ; I thought that the Creditor was mistaken ; since alterations of the Closing Balance is possibly illegal. 

On the XXXX of XX/XX/2020 XXXX XXXX did Respond to my Dispute through CFPB, but with the Closing Balance of XXXX, XXXX, 2020 ; when the Dispute is of the Closing Balance of XXXX, XXXX, 2020. 

THE COMPANY 'S RESPONSE INDICATES THE CLOSING BALANCE DURING THE MONTH OF XXXX, 2020. THE COMPLAINT IS IN REFERENCE TO THE CLOSING BALANCE AND USAGE RATE DURING THE MONTH OF XXXX, 2020. 

THE COMPANY 'S RESPONSE OF MY CLOSING BALANCE DURING XXXX, 2020 OF XXXX. IS CORRECT, HOWEVER THE COMPLAINT IS OF THE CLOSING BALANCE AND USAGE RATE DURING XXXX, 2020 WHICH IS NOT CORRECT. THE COMPANY REPORTED 42 % USAGE RATE OR {$420.00} DURING CLOSING ON XXXX, 2020, WHEN THE ACTUAL BALANCE DURING CLOSING ON THE XXXX OF XXXX, 2020 WAS 29 % OR XXXX. 

On the XXXX of XXXX, 2020 Consumer Financial Protection Bureau closed my Dispute. 

On the XXXX of XXXX, 2020 Experian has modified Records.

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 2020-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I bank with JP Morgan Chase bank, I have a business checking account and i do online banking, on XX/XX/2020, I use the XXXX quick pay to send the amount of {$2000.00} to a recipient, I got a receipt that the transaction went through successfully, I sent a copy of the receipt to the recipient, usually this funds would be available immediately and sometimes a few days delay in my experience, In this case the money did not post to the account in over a week, the recipient then told me there was a mix up in the cell number used and that usually the transaction should not go through and i should contact my bank to find out what happened. 
I called my bank customer service to explain the situation and I was told it will take 10 working days to investigate, after more than fifteen working days that I have not heard from them I decided to call back, The representative who attended to me stated that the money went to another recipient and that they have tried to get the money but could not and therefore they can not help me any further, I told them the money was not supposed to go through since the name and number did not match and that I believe the money is still hanging somewhere in the bank, I was told that I should go to my bank for help, I went to my bank but walk ins are not accepted because of coronavirus, I was asked to call XXXX but i insisted i wanted the bank representative to help me do it because there is too much waiting time and they usually hang up on customer and then one has to start all over and that I am already frustrated, I was given an appointment for XX/XX/XXXX but unfortunately I had a family emergency, I asked if i could come the next day but i was told not until XX/XX/XXXX, so up till now i have not got my money back and the recipient is bothering me<please I need help urgently to resolve this situation..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
From XX/XX/20 to XX/XX/20, I had made multiple orders through Banana Republics website. For each of these individual orders, I used reward certificates that I previously earned through their Banana Republic credit card. For some reason, I was not re-issued these reward certificates after I returned the items. Usually, Banana Republic/ Synchrony Bank will re-issue these reward certificates to my account after returns are accepted and processed. The amount of certificates I used totaled up to be {$790.00}. I have attached all the screenshots of the relevant orders. I contacted Synchrony Bank twice about this issue only to have them send letters on XX/XX/20 and XX/XX/20 regarding the topic of gift certificates and gift cards, so it was clear they did not understand my concern at all.

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 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My bankruptcy was completed on XX/XX/2020 which means tradelines for things included should have been removed but they are not. I also want my first name corrected as it is on my documents. My name is XXXX and not XXXX as you continue not to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXXUnauthorized inquiry by Identity Theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My bankruptcy was completed on XX/XX/2020 which means tradelines for things included should have been removed but they are not. I also want my first name corrected as it is on my documents. My name is XXXX and not XXXX as you continue not to correct it.

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 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My bankruptcy was completed on XX/XX/2020 which means tradelines for things included should have been removed but they are not. I also want my first name corrected as it is on my documents. My name is XXXX and not XXXX as you continue not to correct it.

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 2020-12-20 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2020-12-20 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
i check my credit report on XX/XX/20 i come across alt of inquries i have not approve no one to run or check my credit report i have sent a ftc police report to equifax about this matter but i have not got the reponse i been lookinfg for instead i been getting verfield back from equifax i know its my right to dispute fraud on my report as i have done by sending my ftc report to equifax and a leeter from ftc demanding them to block all inquires i have not approve from other lenders here are the lender ran my credit ... 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 ... These areall fruad inquires i did not aprrove no one to run y credit plz remove and stop saying its verfield

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/2020, more than a {$180.00} was debited from my account by Navy Federal. The charge was unlawful. Navy Federal also puts additional money on any account you have with them in order to collect funds from other accounts that were discharged in bankruptcy.

I have accounts for my children with Navy Federal and have just been informed on XX/XX/2020, that they also may have money withdrawn from their accounts for transactions unrelated to them even as minors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I pull my experian report this week and i came acroos so many miss leading things on my report i have tried time after time to dispute to experian by mail cerfield mail and online disputes but no outcome just verfield from experian so i know its my right to get the facts here are the names are wrong on my credit report XXXX XXXX ... .. Here are wrong address on my report that i never stay at or live there XXXX XXXX XXXX XXXX XXXX  va, XXXX But its reporting on my credit report for some reason other address XXXX XXXX XXXX XXXX  va XXXX Acoounts thats on my report that are fruad XXXX XXXX ... Account # XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX  XXXX .... These are all fraud accounts i have seen them delete 1 account by credit control but not delete the rest u all should delete all of the XXXX XXXX  accounts if u deleted the other ... Here are the inquires i did not approve on my credit report thats are fruad ... 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 2020-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: NJ

Complaint narrative:
I have requested that Chicago Title provide me a copy of the Chicago Title policy on file so I can sell my house. It has been over a month and I have not received the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Recently, a scammer utilized my card information to send a payment to themselves through XXXX. Since then, chase has been provided with numerous amounts of information proving that the charge was invalid, including documentation from XXXX proving the charge was not valid and showing their intention to refund, but both sides ( XXXX and chase ) saying the other has possession of the disputed funds. I, as the customer during the coronavirus pandemic unemployed, am being forced to pay {$400.00} for an item that even the merchant wants to refund but cant. When called, chases fraud department responds with we cant assist you. It has been months now with no resolution. Please help me.

Company response to consumer: Closed with explanation