vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I had a JPMorgan credit card account that was used for a business. The business was sold and I was not aware that any further charges would be coming through the card. The new owners of the business did not forward the account statement to me. I found out today that there were {$180.00} in charges on the account and they were reporting past due 60 days to the credit bureaus through an alert from XXXX. I immediately called Chase to pay the balance and try to clear up what happened. Chase had zero compassion for me -- even though I have never missed a payment, have always paid every bill on time and it was totally out of character for a payment to be past due. Chase did NOTHING to try to alert me to the fact that my account was not in good standing- they sent two statements. They said they fulfilled their minimum requirements by sending the statements. No phone calls, no emails, no additional ways to try to alert me that something was wrong with the account. The impact to me is huge. My credit score dropped from over XXXX to XXXX over this. The account will also show as closed by them. Chase is refusing any responsibility here- stating they did the minimum required. I feel like Chase should be able to recognize my excellent credit standing with them prior to this and realize that I need some help to avoid this huge impact to my credit score. Chase is not caring for their customer at all or showing any compassion for a simple oversight. The consequences to this far outweigh the mistake. I would like Chase to correct the credit reporting to show the account in good standing and also implement processes to recognize when additional reach outs to help their customers may be in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: PA

Complaint narrative:
I previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and proof of my identity and FTC report and I also made police report and receive a report number. Thanks 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 2021-08-23 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: PA

Complaint narrative:
I previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and proof of my identity and FTC report and I also made police report and receive a report number. Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have called so many times, I faxed and mailed equifax and I mailed XXXX  and neither company updates my account with my correct address that I have had since forever. I dont even know how my address got taken off my report or how an incorrect address was put on it. Im so tired of not being able to get my credit reports bc of these two companies. This has been ongoing since the beginning of last year and it shouldnt take this XXXX long for them to update my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: DC

Complaint narrative:
Id received a U.S. Bank XXXX in the mail today ( XX/XX/2021 ). The issue is, Id never applied for unemployment. Ive been working for almost 20 years. Even during the pandemic, Ive been working. 

I was transferred from person to person. A specialist did take my call. Shed informed me that the card was in fact for unemployment. Shed stated that she was going to get me over to the unemployment department. Where they can pull the application. As well as close it out. 

Placed on hold. Someone picked the call, they never responded. They just held the phone. So Id decided to look for a site on the documents placed in the envelope with the credit card. 

Therefore, Im reaching out to you all for further assistance on this matter. I do not know the amount on the card. I did not activate this card. 

Kind Regards,

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 2021-08-23 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have a total permanent XXXX and my student loans have been discharged. 

I am having trouble getting the student loans ( 2 ) that I am a co-signer on deleted from my credit report. NAVIENT XXXX BAL . {$15000.00} and NAVIENT XXXX BAL : {$3300.00} On all 3 credit bureaus.

I don't understand how these accounts can remain on my credit report when my own student loans have been discharged. There has to be a way to delete these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The payment status for my loan has been incorrectly reported to the credit agencies XXXX  and Transunion and as a result my credit score has gone from Exceptional to Fair. Both show me as 120 days delinquent on the XX/XX/XXXX mortgage payment, even though my mortgage was paid off in XX/XX/XXXX. Note, from XX/XX/XXXX through XX/XX/XXXX I was in forbearance, and was approved to be in forbearance until XX/XX/XXXX. 

Attached are documents from XXXX XXXX confirming my forbearance, and confirming that my loan was paid in full. Note, I had extreme difficulty in closing my loan with XXXX XXXX. The company did not respond to my requests to obtain the title of my apartment ( stock certificate to my coop ) in preparation for closing. I believe it only did so -- 4 months after my initial request -- as a result of my complaint with CFPB. The erroneous reporting of my mortgage status is another example of XXXX XXXX 's gross negligence. 

I am also writing to the three credit agencies to dispute my score. 

Attached documents : -- Compliant to XXXX XXXX ( two documents ) -- Confirmation of forbearance from XXXX XXXX -- Closing documents demonstrating that the loan is closed -- Transunion & XXXX credit reports. I am still trying to get the XXXX  report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The payment status for my loan has been incorrectly reported to the credit agencies Experian and XXXX  and as a result my credit score has gone from Exceptional to Fair. Both show me as 120 days delinquent on the XX/XX/XXXX mortgage payment, even though my mortgage was paid off in XX/XX/XXXX. Note, from XX/XX/XXXX through XX/XX/XXXX I was in forbearance, and was approved to be in forbearance until XX/XX/XXXX. 

Attached are documents from XXXX XXXX confirming my forbearance, and confirming that my loan was paid in full. Note, I had extreme difficulty in closing my loan with XXXX XXXX. The company did not respond to my requests to obtain the title of my apartment ( stock certificate to my coop ) in preparation for closing. I believe it only did so -- 4 months after my initial request -- as a result of my complaint with CFPB. The erroneous reporting of my mortgage status is another example of XXXX XXXX 's gross negligence. 

I am also writing to the three credit agencies to dispute my score. 

Attached documents : -- Compliant to XXXX XXXX ( XXXX documents ) -- Confirmation of forbearance from XXXX XXXX -- Closing documents demonstrating that the loan is closed -- XXXX  & Experian credit reports. I am still trying to get the XXXX  report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Hello, This debt is the result of a residential electric bill at the home where I resided from XX/XX/XXXX - XX/XX/XXXX. 
In order to comply with FRCA guidelines, this debt is too old to be reported. 
Please have it removed from all tradelines. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TX

Complaint narrative:
I am a victim of Identity Theft. I've already contacted and sent letters to credit bureaus last XXXX it almost 30 days now but no response yet. I need help with this Issued. My credit score gets worse because of transactions without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Saturday XX/XX/2021, I opened a checking account at Chase. There was no mention that Chase was going to review my account worthiness. Then I received a letter in the mail on XX/XX/XXXX, that Chase was closing my account on XX/XX/XXXX, the letter was dated XX/XX/XXXX. They didn't send me an email or even call me, they just sent a letter that could take a while to get to me, which it did. I had already received my debit card and changed all my bills over to Chase. On Monday XX/XX/XXXX, I called Chase at XXXX to find out why they were closing my account after I just opened it. I talked to XXXX and he stated after reviewing the account Chase decided they could " No longer manage my account ''. I asked which reporting company they received this information from and he would not provide me that information. I then asked to speak to his supervisor and after waiting for 20 minutes, XXXX came on the line and she would not provide me the information either. She just kept stating in the terms and conditions that I signed Chase has the right to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: PA

Complaint narrative:
I sent letters to Equifax Credit Bureaus 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 Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX-Balance {$200.00} XXXX-XXXX-Balance {$0.00} XXXX-XXXX-Balance {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I contacted all three credit bureaus such as XXXX, XXXX, and XXXX XXXX in XXXX and XX/XX/XXXX regarding the account with Capital One Bank was opened fraudulent. Capital One is reporting it with the collection agency XXXX XXXX XXXX, XXXX. I also sent a letter to the creditor and the collection agency explaining the situation with supporting documentation. Credit Bureaus are still reporting the accounts and the creditor still say the accounts belong to me. Capital One Bank ( XXXX ) N.A {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
1. Pursuant to 15 US Code 1666b of the Consumer Credit Protection Act A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As per 15 US Code 1666b of the Consumer Credit Protection Act, I find that Capital One Bank has been violating my consumer credit rights since XXXX of XXXX by continuously reporting late payments to my consumer credit reports. These violations have and continue to occur a total of 4 times across all three major credit reporting agencies. I hereby invoke my consumer credit rights and demand the removal of all reported late payments from my consumer credit reports immediately. This includes but is not limited to XXXX, XXXX  and XXXX. 

2. Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

This demand to remove letter hereby serves as written instruction to Capital One Bank to remove any all reported late payments from my consumer credit reports and files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A Bank of America Pre-Paid Card was issued to me on behalf of the State Of XXXX Division of Child Support Services. This card was closed and any outstanding future payments owed to me were removed. 

I was notified on XX/XX/2021, by the State of XXXX, where I currently live, that the California State Controllers Office, Department for Unclaimed Property had been notified that Bank of America had unclaimed property, a cash balance of {$5500.00}, which had not been issued to me. 

In the letter issued by the State of XXXX, I was instructed to contact the business entity to claim my property. I contacted Bank of America to claim my property. They refused to assist me or provide me any claim forms so that I could collect the money they possessed that I am owed. I believe Bank of America is trying to block my attempts to collect the funds owed to me. 

I would like any assistance CFPB can provide to collect all funds owed me on any Pre-Paid, closed accounts held by Bank of America.

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 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been disputing a bankruptcy showing on my report for years. Transunion and XXXX  refuse to investigate and provide verification on who they spoke with to obtain the information used to verify this bankruptcy as belonging to me. I have mailed Transunion and XXXX  documents relating to the bankruptcy, proving that the bankruptcy should not be shown on my credit profile. They refuse to remove it resulting in my credit profile suffering tremendously. Transunion and XXXX  also refuse to remove inquiries on my profile that were not authorized.

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 2021-08-23 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: TX

Complaint narrative:
I am a victim of Identity Theft. I've already contacted and sent letters to credit bureaus last XXXX it almost 30 days now but no response yet. I need help with this Issued. My credit score gets worse because of transactions without my permission.

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 2021-08-23 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: TX

Complaint narrative:
I am a victim of Identity Theft. I've already contacted and sent letters to credit bureaus last XXXX it almost 30 days now but no response yet. I need help with this Issued. My credit score gets worse because of transactions without my permission.

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 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I've been in contact with this company as well as the credit bureaus to advise that information that they're reporting on credit report for 2 Navy Federal accounts. Once account number is XXXX and the other one account number is XXXX. I've been advising them that the accounts aren't mine, and they're reporting the accounts as Navy Federal accounts on my credit reports, but I keep getting collection notices from in the mail from XXXX stating that they're the creditor for these accounts. I never received anything from Navy Federal even after my letter to them. I sent letters to their P.O. Box address that they have listed on my credit report and also their direct physical address that they have listed on my credit report, and again I didn't get a response from them at all! How is it that XXXX  is stating they're getting responses from Navy Federal, but Navy Federal hasn't responded to me AT ALL???? There's no way possible that these accounts can have 2 creditors for each individual accounts. By law, only one creditor is allowed to report this account and that creditor must say XXXX since they're the ones trying to collect on this account. Please remove these inaccurate accounts from my credit report. XXXX  advised in the last dispute that they made that change, but that is also incorrect information. As you can see from the credit report attached to this claim directly from XXXX, the information still is reporting the same. This is a violation of my consumer rights and I will be taking legal action if this is not removed in this last attempt to resolve this matter. Also, if this account was closed and sold to a collection agency it shouldn't still have payment history reporting on these ; this is also a violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Multiple times over the last 36+ months I have requested my annual credit report and have been and STILL Im getting denied. I have sent by certified mail and fax identifying documents and have talked by telephone to EQUIFAX agents from nations outside of the contiguous USA and still can not get my consumer credit report, scores, NOTHING because EQUIFAX says the information I am providing does not match whats in EQUIFAXs records! The result of this egregious failure by EQUIFAX has caused my creditworthiness plummet in to the 500s and has ruined my ability to participate competitively or at all. I am also unable to dispute the several inaccurate, unvalidated accounts and remove the several unauthorized inquiries. My MOST RECENT request was made on XXXX XX/XX/2021 via fax to the fax number XXXX.

Company response to consumer: Closed with explanation