vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-29 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:
Equifax, XXXX and XXXX The credit bureaus have failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed along with Inquiries was authorized by me. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified Also under Section 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996.

They have refused to supply me with documents and overlook this statue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: MD

Complaint narrative:
I paid off this loan on the XXXX of XXXX with a Check in the amount of {$34000.00}, check number XXXX. The bank states that the check cleared on the XXXX of XXXX. XXXX XXXX XXXX XXXX  maintains that the check has not cleared. This loan should be paid off now. They have a balance reporting on my account. And they posted a let fee onto my account and 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 non-monetary relief
Consumer complaint received 2020-02-29 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: TX

Complaint narrative:
Equifax is usually the lowest of a consumer 's 3 credit scores but they are the most difficult to retrieve a credit report from. In addition, they do not provide access to credit scores to individuals without payment. When applying for a mortgage, it often prevents approval because it is so much lower than the other two and the least transparent to the borrower. It appears that the credit reporting industry is unregulated and far too powerful in Americans ' lives. For-profit companies like this block home ownership and other opportunities from those that would benefit the most. All 3 major consumer credit reporting agencies should be required to provide credit scores along with the free annual credit report that is available. Equifax not only fails at doing this, but the annual credit report is notoriously difficult to access for most people. Security questions are often incorrect and requests by mail are ignored. What is the CFPB doing about this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On Friday, XX/XX/20, I contacted Bank of America to find out about their balance transfer terms due to the website making it sound like their was an offer available but verification was needed on my account. I called and got transferred to the bt department, or so I was told, the woman asked me if I owned my home, which was an odd question. She said in order to do the BT they needed to update my account. I provided the answer and she needed to transfer me now to the credit department. The next representative ( 3rd person ) said they needed my annual income to get me the terms. They said it was going to be a soft hit on my bureau and no impact to my credit score. I was then placed on hold. 

I have a car loan through Bank of America and 2 credit cards. One with an open line of {$14000.00} and one with over {$5000.00} available. 

When he came back in the phone, the gentleman said not only was he unable to give me the terms on the bt, but he was a closing my account and reducing my other line to {$500.00}. I never asked for this and it will now negatively impact my credit score and something needs to be made right.

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 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR

Complaint narrative:
I found this on my credit report and tried to dispute it there. XXXX XXXX emailed me on XX/XX/XXXX stating that I had 30 Days to remit the final payment. I set up a bill pay for the final payment and it to be paid XX/XX/XXXX. I paid the balance in full. This account was sent to IQ Data for collection even though it was paid in full. I called IQ Data to resolve and the rep XXXX was completely unprofessional and conducted herself with attitude. This call occurred on XX/XX/XXXX. They have been impacting me credit since XX/XX/XXXX and this debt was paid via my bill pay.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 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: NV

Complaint narrative:
These are not my accounts. Please remove them from my credit profile.

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 2020-02-29 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: NV

Complaint narrative:
These are not my accounts. Please remove them from my credit profile.

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 2020-02-29 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: NV

Complaint narrative:
These are not my accounts. Please remove them from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: NY

Complaint narrative:
On XXXX XX/XX/XXXX I noticed that an account listed on my consumer credit report by Equifax was too old to be listed on my report. The information for the closed account says it was closed in XXXX.The account was closed in XXXX. The account is still listed on my report, even though it is too old to be listed on my report. I want the account removed from my report. I contacted Equifax through their automated dispute resolution service on XXXX XX/XX/XXXX. They have acknowledged receipt of my dispute, and updated the account to disclose that the information is disputed, but that was 3 months ago, and they haven't done anything since. The account needs to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, I am writing this complaint, since Discover Financial Services, closed my account for no objective reason. I have never had a late payment with them. I always followed all the rules. I have been a Discover card customer for more than 1 year ( From XXXX / XXXX XXXX, with an excellent payment history, and as a result, Discover has increased the credit limit 3 times ( Currently the limit is {$3500.00} XXXX. I started by having a secured card with them, then they evaluated my excellent payment history and offered me a regular credit card with their banking institution. From that moment to the present, for having used my card correctly and making all my payments in an excellent way, they increased the limit 3 times. On XX/XX/XXXX they put my account on hold, and they asked me to send personal information about me from XXXX, when that account was opened in XX/XX/XXXX. I immediately sent the information they requested. In that email, they told me in a discriminatory way, since I am XXXX, that I had 5 days to send that information, otherwise they would close my account. DISCOVER Financial Services is discriminating me for being XXXX. Today XX/XX/XXXX, I received a letter to my email, indicating that they closed my account immediately, with a fictitious reason. I have worked very hard to keep my credit always excellent. I request that they RE-OPEN my account immediately and my credit limit be restored. My account number is # XXXX XXXX XXXX XXXX. My phone number is XXXX XXXX XXXX XXXX, the email registered in my account XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: TX

Complaint narrative:
XXXX, XXXX  and Transunion The credit bureaus have failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed along with Inquiries was authorized by me. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified Also under Section 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996.

They have refused to supply me with documents and overlook this statue.

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 2020-02-29 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: TX

Complaint narrative:
XXXX, Experian and XXXX The credit bureaus have failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed along with Inquiries was authorized by me. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified Also under Section 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996.

They have refused to supply me with documents and overlook this statue.

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 2020-02-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
TD Retail Card Services ( TDRCS ) opened a XXXX account in my name without my knowledge or authorization. I contacted them, submitted an affidavit and other materials and they are in the process of resolving the issue. One credit bureau has removed the account and charge but the other two have not yet. However, my complaint concerns my rights of the Fair Credit Reporting Act ( FCRA ) which says that TDRCS   MUST give me copies of applications and other business records relating to transactions and accounts that resulted from the identity theft if requested in writing. I sent my written request on XX/XX/20 to the email address provided to me for submitting the affidavit and other supporting documents. I called yesterday, XX/XX/20, to verify that my request had been received and was told by XXXX ID XXXX that TDRCS  would not release that information to me. I am not sure how they can deny that information to me as the FCRA specifically provides me the right to the requested documents. 

I would also like to file a complaint on the charge against the fraudulent account. My credit monitoring service alerted me to a hard inquiry on XX/XX/20 and I called TDRCS on that date to report the fraud and was told that no charges had been made against the account and was assured that they would not allow any charges to be processed while they investigated my fraud report. However, 6 days later on XX/XX/20, TDRCS  allowed the fraudster to make a charge against the account even though I had reported the fraud 6 days earlier and TDRCS assured me that all activity would be blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TRANS UNION ( AKA " TU " XXXX HAS BEEN STEALING MONEY FROM MY XXXX ACCOUNT!!!!!!!!! AGAIN!!!!! NEW STEALING BY TU HAPPENING THIS YEAR!! ( 2020 ) Dear CFPB - I have to keep this brief - because I am suffering from eye problems!!!! & because I need to write other letters to other people about other things! 

I have filed more detailed complaints about TU before! I will file more detailed complaints about TU later! For now - I need to keep this short! 

I cancelled tu 's so-called " service " months ago! 

I made it clear that they were NOT - repeat! NOT!!! allowed to take any more money from my accounts! 

Apparently - - - tu used a different merchant id to steal more $ $ $ from my 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 2020-02-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson capital system is reporting a debt on my credit report in the amount of {$13000.00}. This debt was reported on my credit starting XX/XX/XXXX. The loan which was originally provided by XXXX XXXX XXXX, was paid off in XXXX. Not only is Jefferson Capital reporting a debt that I do not owe, they have the wrong date of the account which is hurting my credit even more. I was never notified of my right to dispute this before it was reported on my credit. I disputed through transunion and XXXX  website in XX/XX/XXXX, but Jefferson capital still has not removed this off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
Carrington mortgage services outdated software has caused me to incur fees and unwanted stress from issues surrounding electronic payments from online banks. They are now refusing to accept a payment from me that isn't certified funds based on their errors even though the account is not yet in default. They are going to cause the account to be in default purposefully by not accepting payments via ACH or by bank issued check, both of which have been attempted and funds are available immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
AARGON AGENCY INC XXXX XXXX XXXX  XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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 2020-02-29 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:
I purchased an item that was defective and tried to return it, but they would not accept. 
The problem is that chase credit card bank is violating my rights under the fcba in regards to disputes. they never notified me in writing of the dispute or anything else for that matter, they did not issue a temporary credit as they stated to me. there is no where for me to see the staus of this dispute and they refuse to answer secure emails other than we will respond to you in one business day. I have 6 or 8 of these emails with no actual information supplied in regard to the dispute. I talked to a supv today named XXXX that refused to give me an employee number other then he is in ohio. and again refused to do a temporary credit or send me a letter of the dispute. they have never sent me anything in over 2 weeks andf actually refuse to do anything as per the FCBA regulations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( 10 XXXX  XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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 2020-02-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: NM

Complaint narrative:
I applied for a car loan on XX/XX/XXXX of 2020. 
I was sent a denial letter, based on information from a credit reporting company called SageStream LLC. I have never heard of this company, and I did not give them permission to report on my credit, or to have an information file under my name in any way, shape or form. This company is a hidden credit bureau that secretly collects information for companies to use, in order to charge much higher interest rates to consumers. 
Being that I was a victim of identity theft, the accounts listed in the report from SageStream, should not be on my credit account in any way. Since the company has chosen not to make itself known to consumers, it is impossible for a consumer to maintain the accuracy of such a credit report. 
Once again, I have never had knowledge of a credit reporting business named SAGESTREAM, and I DO NOT give them permission to report to companies with my personal information.

Company response to consumer: Closed with explanation