vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: AL

Complaint narrative:
I am writing because I am a victim of Identity theft. These accounts listed were not made by me. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: AZ

Complaint narrative:
I requested Equifax to remove a Collections that is not mine. They did not remove nor respond to my request. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: OR

Complaint narrative:
I did not order XXXX 's and I was charged XXXX $ for XXXX XXXX XXXX I ordered from XXXX and was overcharged by XXXX $ + in one day. I have multiple purchases XXXX XXXX unknown services that I never utilized or come nsumed. Also I never received an end x certificate from XXXX online. XXXX $ charged though. I also did not take out {$1000.00} from any ATM ever. Also I w as CH argued for a week ly fXXXX XXXX subscription which I on several occasions called to cancel service web site advertising suggests that the cancellation s areceasy and fast guaranteed at anytime. The co marely and spoon however could not locate my account so I was not cancelled like web site promimises. XXXX a week.for XXXX weeks. Also there are a lot of mistakes I an disputing with USBank reliacard asap. 
I just wanted to let ya all be aware so that I'm following legal cha -nnels got go fix my sabatgoed by whomever did these llegal trans. 
To my accountso I can have the bankhurry to reinstate funds to my credit 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 explanation
Consumer complaint received 2021-06-24 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: OH

Complaint narrative:
I have sent multiple notices to Transunion in regards to unauthorize inquires listed on my credit report. Ive already contacted the companies and they have no record of this information being reported. I need for Transunion to investigate and provide proof of signature for these erroneous inquiries listed on my credit report. This has caused so much XXXX  during these hard times.

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 2021-06-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a bankruptcy in XXXX and it was dismissed in XX/XX/XXXX, however in XX/XX/XXXX it was updated to reflect in a current bankruptcy when it should show as dismissed. I contacted the bankruptcy court trustee secretary via phone and was advised that they did not report this information. SO the bankruptcy is accurate but it should show as dismissed. Please update records ASAP as it is affecting my quality of living which includes securing a job and residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
The company Credit Acceptance Corporation charged off my account in XXXX of XXXX and reported it as a charge off/ collection for 4 years. Then in XXXX of XXXX started reporting it again monthly as an open account thats 180 days late every month since then. Theyre doing just to keep my credit score suppressed which is illegal. The account was closed and had no activity, payments, anything. It shouldnt have been reported as an open account after it was closed. I have since settled this debt with the company and want the deragotory information removed from my credit 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 2021-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " YOUR EMAIL HERE ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC
State: NY

Complaint narrative:
I fell behind on my loan and it was charged off. I contacted the company and got current with my payments, I was told since the loan was charged off I would no longer have any interest charges. A few months later I started to notice fees being attached to my monthly amount due. I called the company to inquire I was told it was a late fee so paid it, the following month the fee appeared again on my bill, I called right away but was told that I was now. Being charged interest and the will be on each bill even when paid on time. This is simply not fear but I continue to pay the fee to avoid adverse affects to my credit but it is still negatively affecting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I received notice from my credit monitoring service that this company negatively impacted my credit with a debt Im not liable for from an institution I have not had a relationship with in over a decade. Im XXXX and receive SSD as my only source income. Nevertheless the debt is not mine and Im not liable for this fraudulent charge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a bankruptcy in XXXX and it was dismissed in XX/XX/XXXX, however in XX/XX/XXXX it was updated to reflect in a current bankruptcy when it should show as dismissed. I contacted the bankruptcy court trustee secretary via phone and was advised that they did not report this information. SO the bankruptcy is accurate but it should show as dismissed. Please update records ASAP as it is affecting my quality of living which includes securing a job and residence.

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 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/2021 I applied for a credit application with Navy Federal and was denied based on my credit score and income. I am the natural person and original creditor as defined under 15 USC 1602 ( g ). I'm confused how Navy Federal can deny me from my own credit. When 12 1431 states that the powers and duties of banks is to borrow not loan money. Navy Federal borrows money from the Federal Reserve with the authorization of my social security card and signature. They do not have the authority to deny me credit based on the notion that they are not the creditor and the credit doesn't come directly from them. I demand Navy Federal approve my credit application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: LendingPoint Holdings LLC
State: UT

Complaint narrative:
The personal loan account with Lending Point LLC was opened XX/XX/XXXX ( 4 yrs, 7 month ago ). I set up automatic payments with the company. Everything was fine until around XX/XX/XXXX when I told Lending Point LLC, via phone, that my bank account on file experience fraud and the payment account with Lending Point LLC to another due to this. We changed the payment account over the phone. 
The next payment was never taken out of my new account. Lendingclub LLC kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account. 

I would like to have the charge of and closed account removed from my credit because this is the fault of Lendingpoint LLC. I've reached out to Lendingpoint LLC several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. Lendingpoint should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: NC

Complaint narrative:
Upon checking my credit reports I attempted to contact a creditor via certified mail using the address provided on my Equifax credit report. XXXX also provided the same address for them. The mail ended up being returned to me for a bad address. .I then initiated a dispute based on a false address on my credit report and returned mail via certified mail on XXXX. I sent them supporting evidence of USPS tracking showing the returned mail, the contents of the original letter to the creditor, and the address for the creditor on my credit report, showing the address I sent to. Equifax signed for my letter on XXXXOn XXXX Equifax responded ( confirmation # XXXX " Adverse accounts will be deleted in 7 years '' " We Verified the item belongs to you '' " We verified the item is being reported correctly '' " Contact creditor directly if you have further questions '' Providing the same bad address mind you. 

Nowhere in my letter to Equifax did I ask for verification of the alleged debt, nor it's reporting other than the bad contact address. 

On XXXX I sent a follow up letter to Equifax, the exact same letter with a PS. The PS informed them of their failure to properly investigate my dispute based on the bad contact address for the creditor. I also stated that I have no correct address to send correspondence to the creditor. With this letter I included a picture of the physically returned letter. I demanded a 15 day reinvestigation and if this creditor could not supply a good address to send mail to, to remove the erroneous item from my credit report for providing false information. They signed for my letter on XXXX and responded back to me on XXXX Confirmation # XXXX with simply " Adverse accounts are removed automatically in 7 years ''. Again showing to contact the creditor yet again with the same bad address. 

Clearly this shows an incompetent and botched investigation. At the bare minimum Equifax should have demanded the creditor to provide the correct contact address, or delete the falsely reported item from my report. 

Enclosed are the letters I sent to Equifax with signatures for the letters, Their Responses, An Equifax credit report showing the creditor 's address, A scorsense credit report showing the same address, A picture of the returned mail, and usps tracking showing the letter being returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: IL

Complaint narrative:
I received a personal loan from this company on XX/XX/2021. Per the company policy provided to me at the time I applied for the loan, I called on XX/XX/XXXX, 3 business days before my next repayment due date, and requested to revoke ACH authorization. I also sent the company an e-mail, and was told to call to discuss the account. I called, each representative I spoke to never introduced themselves or identified the company name as " Fox Hills Cash. '' Finally, I was transferred to an account manager, named " XXXX. '' When I asked to revoke ACH authorization, his response was " oh so you don't want to pay us. '' He then proceeded to say " You people always borrow money and refuse to pay it back. '' At the time I made the call, I had not missed any payment. He then threatened that if I did not allow them access to my bank account, they would report to all credit bureaus, and say I defaulted on the loan. Shortly after, my account was placed in collections. When I called them back to ask why me revoking ACH authorization automatically places my account in collections, I was told " that's just how it is. '' The company does not accept any electronic payments, not RCC and I can not call in to make a payment with my debit or credit card. I am fearful about them having my bank account information, and I do not like the way they handled this situation. I never received any confirmation that ACH authorization was revoked and I was bullied by this company just for requesting to remove authorization for them to automatically charge my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: Chime Financial Inc
State: OH

Complaint narrative:
I filed a Dispute with Chime XXXX  XXXX XXXX  and XXXX XXXX  on an unauthorized transaction to a XXXX XXXX XXXX XXXX in XXXX Overseas for the amount of {$1100.00}. My information was stolen from my phone and they hacked into my accounts and changed my information on my Chime Credit Builder account and made unauthorized purchase overseas on XX/XX/2021 Chime member services changed my name to someone else on my account unauthorized. My email and phone number on XX/XX/2021 from this person who hacked my account. I disputed the Transaction and sent them information evidence they sent me threw my new email on my account because had to change old one that was used hacked into.they closed out my cards and sent me new ones on XX/XX/2021. Now I am still fighting for my dispute from money that was stolen out of my account. The Dispute ID # XXXX with Chime The XXXX XXXX  and XXXX XXXX. They keep denying my claim with out sending me information why it was denied. I had a hold and suspicious activity on this account all noted in there systems and emails. I contacted them everyday filed police report, Cyber Crimes report and sent them eviendece 3 times or more and still they denied my dispute. They will not tell me why and hang up on me. This was an international transaction threw XXXX and My international transaction is blocked in my account so I don't see how this happened in my account I think it was an inside job A chime worker who did this. They said on their website that my money was FDIC insured and my data and information was safe but it wasn't safe. I do not trust Chime XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: TN

Complaint narrative:
Hello! I am writing because I am a victim of Identity theft. I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Duncan Solutions, lnc.
State: CT

Complaint narrative:
Had an XXXX on my vehicle it was never detected by the toll system and a bunch of them went into collections I was not aware I thought they were bills. Id like to remove them from collections and the fees removed so I can pay them via my XXXX XXXX

Company response to consumer: Closed with explanation