vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In 2019 I was let go from my job while on maternity leave so there for bills got tight. I got in a program with chase which prevents my account from becoming delinquent. After advising of hardship I was put on payment plan and was told that my account would report past due. But after reviewing my credit report I discovered it was indeed reporting delinquent on my credit report for several months. 

I reached out to chase spoke to the credit reporting department and they acknowledged the issue that the representative set the payment plan due for a date after 30 days which it resulted in my account being reporting late every month which I was unaware of. 

This is an error by chase and not mines and should not was the consequences. These late payment hurts my credit score and chances of buying a home. I have showed exceptional payment through out my time with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is account has been removed off the XX/XX/XXXXand XX/XX/XXXXand Experian refuse the remove the account XXXX XXXX XXXX # XXXX. As this is account is not my mines. 

Please see attachment.

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 2020-11-17 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: NV

Complaint narrative:
I have a major problem with the credit bureaus. First my data was breached in an XX/XX/XXXXdata breach and then someone used my info to get cars, credit cards, student loans, loans, medical care, and many other things in my name. I have filed a police report with XXXX XXXX XXXX and also and identity theft report with the FTC. I also filed disputes with all three credit bureaus and still they have done NOTHING and are trying to hold me liable for stuff I never personally received or authorized myself. There was even names, addresses, and other personal info that is fraudulent on my report as well. I have disputed some of this stuff multiple times and got NOWHERE.

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 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
I have a debt for a phone bill on my credit report for a XXXX account I never opened. It is not mine. I was incarcerated. You can look up my department of corrections history and see that there is absolutely no way I couldve been using a phone while I was in prison. I want this debt removed from my credit report because I have no debt anywhere else and now this one single thing is preventing me from beginning to start building a good score. I will never pay for a debt that is not mine. Ive reached out to the collection agency and then they tell me to contact sprint-sprint no longer exists they are XXXX now and they say they have no record of my debt anywhere in the system. Please remove this from my credit report as it is not mine. 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 2020-11-17 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: AL

Complaint narrative:
During the months of XXXX to XXXX time frame. I mailed out notarized credit dispute letters certified mail return receipt all coming back verified without the information needed to prove the account belong to me .Under the FCRA section 609 an original contract with my signature on it and FCRA section 611 your method of verification. These vital parts was not given to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: GA

Complaint narrative:
I have submitted two dispute requests with Equifax and both times the results left the incorrect information on my report. They are reporting two missed payments for XX/XX/XXXX XXXX XXXX, my auto loan provider. The first dispute was submitted on XX/XX/20 and the second dispute was submitted on XX/XX/20. Out of all three credit bureaus, Equifax is the only one that has the status of my auto loan as delinquent or a missed payment. I have reached out toXX/XX/XXXXXXXX XXXX multiple times and each time they notify me that they are not reporting any missed payments to Equifax. They have even provided me a document stating such. Equifax 's incorrect information has caused me to be declined for a credit card at a time in my life when I really need it. Their website is always down and I was abnormally long when calling in for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Experian credit report Disputed Item : JPMCB Card Account XXXX Date opened : XX/XX/2013 Old info : ( Name was incorrect ) + Balance reported {$13000.00}!

After disputing - New info : Account charged off {$1300.00} ( Corrected spelling of my Name ) This creditor was reporting a balance of {$13000.00} since 2013! They recently updated the amount owed and this factor has been hurting my credit for the past 7 years and this has negatively effected my finances and financial ability to provide for my family. 

Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2020 I sent a dispute letter to XXXX XXXX and all 3 credit bureaus regarding a collection/charge-off. The account is posted on my report twice. XX/XX/XXXX and XX/XX/XXXX is together on one file while XX/XX/XXXX is being reported on another file. All together the account has a total of 5 inaccuracies. It is well over 30 days and the account still has 5 inaccuracies and it hasn't been updated or removed

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 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
BANK OF THE WEST holds a debt of XXXX $ in my name. They have been reporting it against me as a debt by XXXX XXXX XXXX. Ive made several attempts to remedy the debt as a pay for deletion consider they never informed me of the debt in the first place FOR MONTHS. I how ever have proof of my attention to the debt and offers to settle it and they still dont reply. I waited 30days for a reply after I offered XXXX $ XXXX dollars over the amount for a deal. No reply ... just send last offer at {$160.00} yesterday

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: NV

Complaint narrative:
I have a major problem with the credit bureaus. First my data was breached in an XX/XX/XXXX data breach and then someone used my info to get cars, credit cards, student loans, loans, medical care, and many other things in my name. I have filed a police report with XXXX XXXX XXXX and also and identity theft report with the FTC. I also filed disputes with all three credit bureaus and still they have done NOTHING and are trying to hold me liable for stuff I never personally received or authorized myself. There was even names, addresses, and other personal info that is fraudulent on my report as well. I have disputed some of this stuff multiple times and got NOWHERE.

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 2020-11-17 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: NV

Complaint narrative:
I have a major problem with the credit bureaus. First my data was breached in an Equifax data breach and then someone used my info to get cars, credit cards, student loans, loans, medical care, and many other things in my name. I have filed a police report with XXXX XXXX XXXX and also and identity theft report with the FTC. I also filed disputes with all three credit bureaus and still they have done NOTHING and are trying to hold me liable for stuff I never personally received or authorized myself. There was even names, addresses, and other personal info that is fraudulent on my report as well. I have disputed some of this stuff multiple times and got NOWHERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi I opened a 0 % introductory APR for 15 statement dates, and if you spent {$1000.00} i would receive a {$200.00} credit. Okay I finally received my {$200.00} credit. However, they charged me {$5.00} interest. I Called to question this on XX/XX/2020 spoke to a XXXX complaint Ticket Nbr. XXXX said he would look into it. He claimed there was no such credit card. I told him I could send him a copy of the advertisement if he wanted it. This credit card is from AAA Financial Services through Bank of America. 
I received a letter from Bank of America dated XX/XX/2020 acknowledging the complaint. But when I checked on my account they still did not credit the {$5.00} so on XX/XX/2020 - I complained again - and tracking nbr. XXXX again they said they would credit it. So.on XX/XX/2020 they credited the {$5.00}. 

now i got my new statement dated XX/XX/2020 and i was charged {$3.00} interest for what? my balance by the way is {$0.00} no new charges.

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 2020-11-17 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: AL

Complaint narrative:
During the months of XXXX to XXXX time frame. I mailed out notarized credit dispute letters certified mail return receipt all coming back verified without the information needed to prove the account belong to me .Under the FCRA section 609 an original contract with my signature on it and FCRA section 611 your method of verification. These vital parts was not given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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:
Re : Fraudulent Inquiry of XXXXXX/XX/XXXX on XX/XX/2020 via Trans Union LLC.. 

During the last few months I have noticed things on my credit file that DO NOT BELONG TO ME I have been experiencing a significant amount of Fraud and Theft of my identity., The latest discovery is that of XX/XX/XXXX on XX/XX/2020 This Inquiry does not belong to me, neither did I give permission verbally, electronically or over the phone.. In Accordance with section 604 of the FCRA. under Permissible Purpose of Consumer Reports none of them apply to me in reference to the above herein depicted Inquiry., My Attorney of record has advised me to send an Affidavit of Fraudulent Inquiry first before instituting legal action for FCRA Violations.,

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 2020-11-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of XX/XX/XXXX an already paid off as agreed account # was changed and A 30 day late payment was was added. I sent dispute letters and disputed online to remove the late payment and show account was closed in XXXX. But to no avail, so I called the account company XXXXXX/XX/XXXX and they agree the account is paid off in XX/XX/2020 and no 30 day late payment was ever made. All other Major credit bureaus also show all my conn 's accounts closed paid as agreed and with no late payments but equifax has the account extending past XX/XX/2020 and ending in XXXX with a 30 day late. This is my second Compliant on this issue and nothing has been done. It leads me to result to legal action next

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CT

Complaint narrative:
I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contactedXX/XX/XXXX and they are refusing to remove these fraudulent account as well asXX/XX/XXXX and I am not able to gain access to XX/XX/XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XX/XX/XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XX/XX/XXXX and they are refusing to remove these fraudulent account as well as XX/XX/XXXX and I am not able to gain access toXX/XX/XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contactingXX/XX/XXXXI was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XX/XX/XXXXand they are refusing to remove these fraudulent account as well as XXXX  and I am not able to gain access to XX/XX/XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XX/XX/XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: ID Analytics, Inc.
State: GA

Complaint narrative:
on XX/XX/20 I was checking my credit for accuracy when i realize that there were accounts in my credit that didn't belong to me .these accounts are fraudulent I did not authorized these accounts, they should be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at Radius Global Solutions. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also Radius Global Solution or the company the represent never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified Raidus Global Solution that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.

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 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
A collection showed up on my XX/XX/XXXXreport approximately XX/XX/2020 from Sunrise collections, original creditor XXXX. I have disputed this debt. It is fraudulent. I have been a victim of identity theft. I have no knowledge of this debt and this company is not used in the area I live. I want this debt verified and removed from my report. Reported to FTC, IdentityTheft.gov XX/XX/2020. Showing late on my credit everyday. Legal action being taken, law enforcement contacted.

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 2020-11-17 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: NH

Complaint narrative:
They were credit cards taken out in my name and my wifes name and we have tried to get them to come off and no dice we have been through three credit repair services over the past two years and theyve done absolutely nothing but take our money and Trans Union for some reason had my score 100 points lower than the other twoAnd now I have collections on my report thats not even mine and theres stuff on there that shouldnt be there Ive been challenging for a long time and it seems like they dont pay attention to me Im getting tired of it I hope you can help 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