vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
I noticed a debt on my credit report back in XXXX for services back in XX/XX/2021 from a debt collection agency Wakefield in Associates I sent them a validation letter one XX/XX/2021 and they sent me a blank letter back I called them and they can not give me any information about this debt but a balance owed I have tried to dispute this three times with the credit bureau agencies or three and have gotten nowhere with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and with the balance of {$21000.00} as reported in my Equifax Credit Bureau. Lets correct this immediately. The Equifax Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: KY

Complaint narrative:
I have a collection account on my credit report that was forwarded to Southwest Credit Systems by XXXX for an amount of {$190.00}. For non-returned equipment. The modem /router this is related to was in fact returned through a return label that a windstream representative mailed to me last year. The equipment was returned to them. They refuse to remove the collection from my credit report, because they claim they can not find the equipment. They asked me a tracking number for a return label THEY SENT TO ME! This is a nightmare and is severely damaging my credit report. XXXX is failing at their customer service. Their overseas reps often smart off to you. Make false promises to call you back. They talk over you. Will say anything to try and get you off the phone. This is an absolute nightmare and I really need help. I reached out to the collection regarding this matter only to have them refer me back to the original creditor. XXXX. At this point we are getting nowhere with this exhausting matter. Meanwhile my credit is tarnished because of this matter. I really need help. 

The account number for my old service is : XXXX The original order number for the equipment being sent to me is : XXXX The return info is something they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have been disputing some incorrect information in my credit reports since XX/XX/XXXX. On XX/XX/XXXX I sent dispute letters to the credit bureaus regarding the inaccurate information listed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX. After not hearing back from the credit bureaus and not receiving any responses, I sent another sent of dispute letters via mail to XXXX, XXXX, and transition on XX/XX/XXXX. No response again. So on XX/XX/XXXX I sent another set of dispute letters to the 3 credit bureaus on XX/XX/XXXX. I don't understand why I am being ignored! I have sent 3 dispute letters to the 3 credit bureaus each and not one response! I am requesting the removal of the disputed accounts due to the credit bureaus not responding and failing to comply with the law. It's been more than 4 months and NOTHING! This is ILLIGAL! Please investigate this case and have XXXX, XXXX, and transition remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  from my credit reports XXXX

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 2021-11-03 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: DE

Complaint narrative:
I have been disputing some incorrect information in my credit reports since XX/XX/XXXX. On XX/XX/XXXX I sent dispute letters to the credit bureaus regarding the inaccurate information listed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX  XXXX XXXX. After not hearing back from the credit bureaus and not receiving any responses, I sent another sent of dispute letters via mail to experian, equifax, and transition on XX/XX/XXXX. No response again. So on XX/XX/XXXX I sent another set of dispute letters to the 3 credit bureaus on XX/XX/XXXX. I don't understand why I am being ignored! I have sent 3 dispute letters to the 3 credit bureaus each and not one response! I am requesting the removal of the disputed accounts due to the credit bureaus not responding and failing to comply with the law. It's been more than 4 months and NOTHING! This is ILLIGAL! Please investigate this case and have XXXX, equifax, and transition remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX  from my credit reports .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: OH

Complaint narrative:
My FTC Identity Theft Report is attached because I, XXXX XXXX XXXX, was a victim of identity theft. I have given my complete approval to this notification and its implementation. My identity theft affidavit was also mailed to all relevant credit reporting agencies. I have never provided my written consent or endorsed anything, identity theft happens, and I have a right to privacy XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

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 2021-11-03 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: Block, Inc.
State: CA

Complaint narrative:
i have been using the XXXX XXXX app for aproximatley 5-6 years, the last 4 years I have used the tax portion of the appt to do my taxes, here is why : 1. its easy 2. its free I Recently went in the XXXX XXXX app to pull up my Tax Documents from previous years due to me being in the market for buying a house. 
Know Credit Karma Prompts me to download the Cash App Tax app to get my Tax Documents. 
XXXX HAVE NEVER AUTHORIZED XXXX XXXX  TO GIVE MY TAX DOCUEMENTS TO CASH APP TAX*** This is very concerning to me. NOT only have i wasted days trying to recover my Tax documents form Cash App they are giving me a run around to get my Tax documents, and i still have not received them. there is a section on the Cash APP Tax app that list " DOCUMENTS '' however my tax forms are not in there. 

i have never authorize XXXX XXXX to give my tax documents to Cash app Tax. i do have supporting screen shots in my phone i can send the screenshots to an email if you wish to provide me with one.

i am already on my 3rd day trying to work with Cash App Tax and still have not received my tax documents. i want to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I received a notification that a debt has been reported to XXXX. Upon checking, I noticed that it was a debt under dispute. 

I received a letter dated XX/XX/2021 from Knight Adjustment Bureau ( KAB ) and quickly sent a response by mail on XX/XX/2021. They did not include proof of the debt either than a letter ( copy attached ). 

I explained that my debit card got lost and was used fraudulently and do not owe the debt.

The debt was report to the credit bureaus by KAB on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have student loans through Navient. At this time, my husband is unemployed and I am the sole income provider for my family. I have expressed this to Navient on several occasions. They have offered me payment plans that are well outside the amount that I can currently pay with the situation I am experiencing. Regardless, they continue to call me several times a day. Today for example, I spoke to them at XXXX and advised them of the above. I stated that I would go online and make a payment of what I could afford. I went online and made the small payments. They advised that they would note the file and that would stop the calls for 7 days. At XXXX, I received a phone call from XXXX who then put a Navient representative on the phone to discuss my account. They call me almost every hour every day from XXXX, sometimes multiple times in a row. It feels as though they are trying to harass me in to paying the loans that I am unable to pay at this time and have expressed to them on multiple occasions. I have 3 small children who most nights I am trying to get fed, bathed and put to bed when they are calling me relentlessly. I understand that the debt is mine to pay but once they have been made aware that I am unable to do that at this time, there is no need for them to call me several times a day every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I closed my chase checking account on or about XX/XX/2021. The reason I closed the account was XXXX fraudulently took {$650.00} and {$650.00} a second time for a total of {$1300.00}. I went into Chase bank and reported it as fraud. I attempted to purchase a puppy off XXXX for {$650.00} but XXXX sent that amount twice! 
1 ) First of all I never received a puppy 2 ) Second, I never purchased 2 puppy 's, only 1 which I never received. 
3 ) This entire post and purchase was fraudulent.

4 ) My SSDI check went direct deposit into the chase checking account in the amount of {$1200.00} on XX/XX/2021. Since chase was showing a negative balance due to the fraudulent puppy purchase of {$650.00} X {$650.00} or {$1300.00}, chase applied my XXXX check to said negative balance and overdraft fees associated with it. 
5 ) That transaction left a negative balance in my chase checking account.

6 ) Even though the account was closed, Treasury direct deposited my VA XXXX check into the closed Chase checking account despite me calling VA by XX/XX/XXXX and providing the VA my new routing and account number so my XXXX check would be sent to my new bank, VA sent my check to the closed Chase checking account. 
7 ) I now have a positive balance of {$3600.00} in my closed chase checking account and chase will not release my money to me. I was at the chase branch in XXXX, TX. this morning to no avail. 
8 ) I am a totally and permanently XXXX XXXX Veteran and my checks from XXXX & VA are what I live on, so now I can not pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I suspect that your company may be guilty of fraudulently obtaining my personal information which is identity theft ( PLEASE SEE ATTACHED FTC IDENTITY THEFT REPORT, Attorney general complaint and letter for validation )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I can not open with ANY BANK everyone denies me and I have no idea why I've asked and no one wants to tell me what the issue is! I had an identity theft problem and I can only thing I c think of that as being why I havent deposited or less done anything to cause this to happeb

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 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
This is a follow up to complaint # XXXX First Citizens Bank has not refunded the 2 days of interest nor have they paid me the over payment on the account. They did close the account but that's all they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I applied for an apple credit card and was declined after my application was accepted. I received an email on XX/XX/21 stating that my application was reviewed and that I was denied for having too many inquiries and high limits on current cards even though Im paying my bills on time. This is discrimination again me a federally protected consumer who has the right to extend credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I see a couple of hard inquiries I never authorized and theyre really effecting my credit. Ive been trying to put my credit on freeze and have a fraud hold on it.

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When the pandemic started last year ( 2020 ) I contacted XXXX XXXX to request the deferment of my payments- due to COVID-19 and job-loss. XXXX XXXX was very nice and agreed to defer all my payments for 6-months, they also told me that I would not need to make any payments and that they would not report any late payments on my credit reports. Fast forward to today, and XXXX XXXX is reporting several late payments on my credit reports. They said that they would not report late payments but, they did, this is not right! I am trying to buy a house and their late payments are stopping me from being able to get a mortgage. Please help me get these late payments removed, per our original agreement.

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 2021-11-03 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: FL

Complaint narrative:
When the pandemic started last year ( 2020 ) I contacted XXXX XXXX to request the deferment of my payments- due to COVID-19 and job-loss. XXXX XXXX was very nice and agreed to defer all my payments for 6-months, they also told me that I would not need to make any payments and that they would not report any late payments on my credit reports. Fast forward to today, and XXXX XXXX is reporting several late payments on my credit reports. They said that they would not report late payments but, they did, this is not right! I am trying to buy a house and their late payments are stopping me from being able to get a mortgage. Please help me get these late payments removed, per our original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: LEXISNEXIS
State: PA

Complaint narrative:
I have filed a dispute for incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a letter from Chase dated XXXX ( Exhibit A ), informing me that my 3 credit cards with them would be closed " because a previous credit card, deposit or investment account '' had been closed. I called the number on the letter and was told that it was a " Chase affiliate '' but they could not tell me anything else and would have to write to them. Before I composed my letter I called both XXXX and XXXX ( cards that I have held for 17 years and 11 years with perfect payment histories ). Both told me that this was a Chase Bank decision and not theirs. My letter ( Exhibit B ) along with my credit history credit score of XXXX ( Exhibit C ) was mailed to Chase on XXXX. As stated in my letter, I have no other relationships with Chase. I have a credit history that is exemplary. I have been retired sinceXX/XX/XXXXand am not a signer on any corporate, partnership or non-profit accounts. 

The letter from Chase, in response, dated XXXX states that the closures are because of an affiliate is ending their banking relationship with me. 

All I wish to to find out what this relationship is. 

Thank you, XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation