vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report It has been over 48 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax date breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continues to inaccurately report two charged off accounts on my credit file. The two accounts in question are XXXX/XXXX and XXXX  XXXX/XXXX. Both accounts have been paid/settled in full and the credit bureau continues to report the accounts have not been paid. I have disputed both accounts on multiple occasions. Every time I dispute these accounts the credit bureau states they completed an investigation, but the accounts continue to report inaccurate information. Each time they " update '' something from the disputes ; something more inaccurate than what was previously reporting appears. Per the FCRA this should have been corrected within 30 days of the first dispute, but this is not the case. Please see the disputed dates below : XXXX/XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX With the last dispute, I provided letters from the collection companies that show the accounts have been settled in full ( see attached ). However, neither accounts ' payment status reflects this. Both accounts appear as though they are charged off and make no mention of the account balances being paid. 

The inaccurate reporting of these accounts is causing me great financial harm. I am unable to attain credit with a reasonable interest rate. In addition, this is preventing me from being able to take out a parent loan for my son to attend college in the fall and it is contributing to the prevention of me being able to get approved for a home loan. 

Something needs to be done to hold the bureaus accountable when they continuously report misinformation despite multiple disputes.

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 2021-03-08 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: FL

Complaint narrative:
A law firm charged my Citi Double Cash card {$1500.00} onXX/XX/2021. This charge was completely unauthorized. I disputed the charge. The law firm submitted 23 pages of documentation to Citi. I had extensive conversations with this attorney but never agreed to hire her or pay them {$1500.00}. Nowhere in those 23 pages could they show that I authorized any type of charge to my card. Above that, they could not even show that I HIRED the attorney. You file out a retainer agreement when you hire attorney. Not only did I not authorize the charge, I never agreed to hire the attorney. Citi Bank then put a negative mark on my credit bureau report and Macy 's closed my Amex card. Citi then closed my 2 credit cards. Over a completely UNAUTHORIZED charge. They gave the merchant the chance to show authorization but the merchant couldn't even come close to showing that. They couldn't even show that I agreed to hire them. Citi Bank 's practices are abusive and predatory.

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 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/2016 I went to XXXX XXXX for XXXX XXXX XXXX  under my chin. I was told about the program at that point 1 session was done. When that session was over I inquired why I still had the grey hairs on my chin I was told XXXX or remove black hairs, and for the grey hairs I would have to purchase another plan on top of this plan I advised agent no I do not want to do that because as you can see 90 % of the hair on my chin are grey, so when I advised her she is now trying to get more money from me know it would not work I want to cancel the contract and pay for services that was just rendered. I was told I would get a call to make that payment she could not take it. About 2 weeks later I got that call to make a payment for {$130.00} and I paid it never received no more calls then about 6 months later started to reflect on my credit for 5 years I have been contacting them with no response then they sold it to XXXX XXXX. This has ruined my credit for 5 plus years, and this is very unfair that companies play these games. That is how I know they got the cancellation I was contacted that 1 time paid and never contacted again they just sold it to collection agency. Having facial issues like this is very depressing, and I thought this would be good, but they gave me fraud information to get more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Allied Collection Services, Inc. (Nevada)
State: OK

Complaint narrative:
Allied Collection Services of Nevada is reporting that I owe XXXX {$510.00} when in fact, in do not. 
They reported this to the credit bureaus when don't even own the debt, XXXX, whom I settled the debt with, as XXXX advised me to do since they knew that I did not even owe them the money, but since they turned me over to a collection agency, all they could do was to tell me to settle with XXXX for less, and I did. 
I sent Allied documentation showing they are reporting this error, but they want to give me the run around! 
The documents included the receipt showing I paid XXXX. 
I want them remove this error from my credit bureaus.

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 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Date claim was originally filed : XX/XX/2020 Claim # XXXX On XX/XX/2020 I, XXXX XXXX, purchased two tickets for flight numbers : XXXX XXXX, departing XXXX XXXX on XXXX XX/XX/2020 at XXXX and connecting at XXXX or XXXX XXXX XXXX XXXX XXXX XXXX flight XXXX  XXXX on XX/XX/2020 destination, XXXX XXXX . 
I planned to return on XX/XX/2020 on spirit flight number : XXXX  XXXX ( XXXX or XXXX XXXX XXXX XXXX ) at XXXX and departing from XXXX at XXXX on Flight number XXXX XXXX arriving in XXXX XXXX XXXX XX/XX/2020 at XXXX. 
I/Account holder, XXXX declare that I was denied the benefit agreed upon by said merchant which was intended by Account holder to be in exchange for Account holders authorized payment. 
I/Account holder authorized the payment of {$450.00} contingent upon me being allowed to board the purchased spirit flights Numbers on the date and time agreed upon:1 ) XXXX  XXXX and XXXX ) XXXX  XXXX I have knowledge and believe that the Chase bank claims Investigator who biasedly determined my claim did so without proper evidence or true facts. I believe that Chase Bank is working in concert to deprive Account holder of reserved rights and money or wellbeing. 
The merchant has willfully mislead Chase Bank Investigator 's by erroneously stating that I/Account holder actually boarded said flights. 
I declare protest to the herein referenced bias unsupported theory which has been presumed as facts or truth by Chase Bank Investigator 's.

I/Account holder has/have Disputed the foregoing transaction and Chase Bank Investigator 's not only refuse to do a proper Investigation into this matter. Chase bank denied my claim based upon hearsay and or opinion and not actual material facts as required. Then after I/Account holder filed appeal, Chase Bank denied it erroneously stating that " the debt was already charged off ''. This can't be true because The funds were actually taken from Account holders Account. No charge off. 
Chase bank has a duty to act under the directive of the account holder and willfully refused to act in the interest of the account holder in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
About 3 years ago, it was reported to my credit report that I owed a debt of nearly {$2000.00} to an online lending company ( SpeedyCash ) I never have had business with. 
I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RSI Enterprises, Inc.
State: TX

Complaint narrative:
I am choosing to settle this debt with original creditor XXXX XXXX XXXX, I know that its their obligation to assist me with this matter since they are a nonprofit organization they must help please cease and desist all collections activities and stop reporting this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I XXXX XXXX ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH CHRYSLER CAPITAL ON XX/XX/XXXX. A CONSUMER CREDIT TRANSACTION IS A TRANSACTION IN WHICH A FINANCE CHARGE IS INVOLVED. PURSUANT TO 15 USC 1605 A FINACE CHARGE IS THE SUM OF ALL CHARGES IN A CONSUMER CREDIT TRANSACTION. BECAUSE I KNOW THE FINANCE CHARGE IS THE SUM OF ALL CHARGES I WAS NOT EXPECTING A BILL. ON XX/XX/XXXX CHRYSLER CAPITAL MAILED ME A BILL WHICH IS A VIOLATION OF 15 USC 1692B.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TX

Complaint narrative:
I have an account XXXX XXXX XXXX on my Equifax report that has inaccurate and incomplete information. 

I have been disputing with Equifax to have the account deleted due to these inaccuracies yet, the report keeps coming back verified as being my account and that's never been my dispute. 

I also asked for the method and contact information of the furnisher of data as part of the investigation of my dispute and I never received what I requested. 

the last dispute result from Equifax came back stating my dispute was unclear, yet I was very clear about what I was disputing. See below. 

Even though the account was disputed, the Furnisher has not reported as such in the comment section. 

Actual Payment Amount : a ) Equifax is reporting {$16000.00}, and XXXX is reporting {$21000.00}. The data does not match and is grossly different and therefore can not be reporting accurately. Please correct or delete account immediately. 

Date of Last Payment : a ) Equifax is reporting XXXX as XX/XX/XXXX. However, it also reporting Charged Off as of XX/XX/XXXX. How can that be accurate reporting with a 14 month difference in dates? Please correct or delete account immediately. In addition, I never made a payment in XXXX. 

Term Duration : a ) Equifax is reporting it as ( 8 ) and XXXX is reporting it as ( 80 ), therefore the data is being reported inaccurately. Please correct or delete account immediately. 

Lastly, the contact information is different. on XXXX it says XXXX XXXX phone number XXXX. On Equifax it shows XXXX as the contact, different address and a different phone number XXXX. So which one is the factual data?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2021-03-08 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander is reporting inaccurate and incomplete data on my XXXX  and XXXX reports. 

I disputed with them as part of the XX/XX/XXXX Class Action Lawsuit to get the account deleted. However they never responded to my certified letter that was received by them on XX/XX/XXXX. 

I also disputed on XX/XX/XXXX via recorded phone call and was told the account was not being serviced by them since XXXX. 

I asked for the documents regarding a repossession that's showing on the account and was told they were being sent to me. As of today, I have not received anything, nor is the account showing disputed by Consumer yet it shows date last reported on my XXXX  credit report as XX/XX/XXXX. 

Santander is providing incorrect data on my reports despite several attempts to have it corrected and or deleted. 

I also disputed with XXXX XXXX on XX/XX/XXXX and was received by XXXX on XX/XX/XXXX. No response to date. 

on XX/XX/XXXX I contacted XXXX via recorded phone call and was told they no longer service the account and was outsourced to XXXX XXXX XXXX, but XXXX XXXX XXXX is the collection agency handling requests. I asked again for the documents related to the repossession showing on my report and was told they were being requested. 

this seems very very shady to meXXXX five companies associated with one account? No wonder the data is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have a credit card from CAPITAL ONE BANK USA N, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA N and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: WA

Complaint narrative:
I have a credit card from XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX with no successful resolution. XXXX XXXX and TransUnion reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

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 2021-03-08 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have a credit card from XXXX XXXX XXXX XXXXXXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX Equifax, XXXX and XXXX XXXX XXXX XXXX  XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a credit card from XXXX  XXXX XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  XXXX XXXX  XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

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 2021-03-08 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: VA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Cascade Capital, LLC
State: TX

Complaint narrative:
XXXX is reporting inaccurate and incomplete data on my XXXX  and XXXX  reports. 

I disputed with them as part of the XX/XX/XXXX Class Action Lawsuit to get the account deleted. However they never responded to my certified letter that was received by them on XX/XX/XXXX. 

I also disputed on XX/XX/XXXX via recorded phone call and was told the account was not being serviced by them since XXXX. 

I asked for the documents regarding a repossession that's showing on the account and was told they were being sent to me. As of today, I have not received anything, nor is the account showing disputed by Consumer yet it shows date last reported on my XXXX  credit report as XX/XX/XXXX. 

XXXX is providing incorrect data on my reports despite several attempts to have it corrected and or deleted. 

I also disputed with Cascade Capital on XX/XX/XXXX and was received by Cascade on XX/XX/XXXX. No response to date. 

on XX/XX/XXXX I contacted Cascade via recorded phone call and was told they no longer service the account and was outsourced to XXXX XXXX XXXX, but XXXX XXXX XXXX is the collection agency handling requests. I asked again for the documents related to the repossession showing on my report and was told they were being requested. 

this seems very very shady to me. five companies associated with one account? No wonder the data is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation