vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This company has violated several federal statutes within the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain the following : 1. information solely as to transactions or experiences between the consumer and the person making the report 2. any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Therefore, my credit card accounts that show balances are a violation of the FCRA and must be removed immediately. 

These account should not show the amount of credit I have been extended or approved for. 

The following account balances shall be removed immediately : 1. XXXX XXXX BANK XXXX 2 XXXX XXXX XXXX BANK XXXX XXXX 3. XXXX XXXX BANK XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX BANK

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 2022-01-17 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: Minto Financial dba Minto Money
State: LA

Complaint narrative:
Hello, I received this letter in my email saying that I have been denied for a loan that I have never applied for. Is this indication that someone is using my personal info in an identity theft matter or is this spam? Also, is this going to reflect a bad reporting on my credit record? Has this been placed on my credit record? Please help me with this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Pursuant to 15 U.S.Code 1681 ( 3 ), Who gave you permission to furnish a consumer report with my personal private information? I did not give Equifax consent to furnish a consumer report with my personal private information. I am demanding that you produce a contract between I and Equifax showing that I granted you the permission to furnish my consumer report. If you have that information, have a senior executive send me a notarized affidavit stating that I granted permission to Equifax to furnish my consumer report. 

You broke the law!!! Pursuant to 15 U.S.Code 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result i will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say. 

I am a natural person and I am pursuing my legal rights under 15 USC 1681n, Equifax obtained information on my consumer report under false pretenses and knowingly without a permissible purpose. I am demanding a settlement of {$2000.00} mailed to me by check within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
The only 'supportive ' options Navient has offered when one struggles with student loan repayment are options that if you select them, your student loan amount increases and increases. When in coversation with customer agents they offer forebearance as one of the only options ( over and over and over and over again ) but each time you select forebearance your loan increases exponentially so that if you were having trouble paying before, you now REALLY can't afford your payments. When you point this out to the customer service agent they are silent and go right back to the options available. " I can start you on forebearance today and that will bring you current ... '' The problem with student loan interest and management is that the debt increases exponentially due to extremely high interest rates but your income does not increase exponentially at a rate that ever makes the loan payment affordable. So you are in an endless cycle of coming 'from behind " while you sit back and watch the student loan debt amount get bigger and bigger and bigger. It is like being an indentured servant. The demoralization of this trap really can make one feel hopeless and want to give up... then, you live your whole life with a gray cloud over your head.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On my way back from my trip to The XXXX XXXX, I applied for the XXXX card on XX/XX/2021 while on the plane. The staff member was passing out applications. I had heard many good things about it and since I wanted to keep traveling I felt like it was something I needed. I got a letter in the mail saying I got approved about 3 weeks later. The was the last letter I ever received. In the last 6 months I didnt receive a card, no mail, a XXXX $ charge, ( which doesnt make sense if I never received the card ). I have called Barclays Bank to resolve this issue and they cant locate this account anywhere, and it still shows on my credit file. I have submitted XXXX disputes to close this account on XX/XX/XXXX and XX/XX/2021 because Im sure someone did some type of fraud with my information. This account shows as open on my credit file with great payment history but I havent made any payments since I have no access to it. An account number was never provided, no info was ever provided. They keep sending me emails that I have to make payments for an account that cant be located in their system and was charged XXXX $ without me ever receiving a card. I have called Barclays more than 10 times in the last 6 months and nothing has been resolved. I have good credit that I worked very hard to build and I dont want this to ruin it. I dont understand how it can appear in my credit file but yet they cant locate it with my Social Security XXXX or any of my information. Please help.

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 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello My complaint is with Experian credit reporting agency. I have been requesting that the stop CHARGING my account each and every month. This has gone on for over a half a year. A guy named XXXX never cancels it but rather always asks me for my credit card number. I have made it abundantly clear that I should not have to give my information to cancel my membership. I tried to go onto the website to remove my card but, they wont remove an existing card UNLESS you put a new card first. This is unscrupulous behavior on the part of Experian. I have had with this bureau. They also lowered my score 16 points for NO reason.

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 2022-01-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXX ACCOUNT : XXXX Closed Account number XXXX I have always maintained that I had paid this account and then only then they started charging late fees, but I wanted this account off of my Experian credit report so when I received the settlement offer I took it. 
Looking at my Experian credit report now, there are discrepancies : the charge off 's that you could find up to XX/XX/XXXX have been removed. 
The Fair Credit Reporting says that information on a credit report has to be " timely, verifiable and accurate ''. 
They changed the data, what they did was they created false data saying that they hadn't reported for 18 months and only report one CO in XX/XX/XXXX so they made it inaccurate .incomplete and is no longer fair. 
This account should be deleted from my credit report. 







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 2022-01-17 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: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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 has locked my account and this has caused me to be unable to take out my funds which is 85 and thats a lot of money for me and I really needed it I tried contact them but they said I need to wait 180 days but I really need my money quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received an on-line promotional offer from Synchrony Bank on XX/XX/2021. The promotion was for a MasterCard that offered 2 % cash back, as well as a {$100.00} bonus for spending {$1000.00} within the first 3 months. I applied and was approved for the card the same day. The promotional offer was confirmed on paper to which the card itself was physically attached. By XXXX XXXX I had fulfilled the requirement for spending {$1000.00}. However, despite repeated inquiries and requests, the promotional offer was never honored.

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 monetary relief
Consumer complaint received 2022-01-17 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: TX

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 2022-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have received a SBA PPP loan and deposited into my capital one simply checking account. I was using that loan amount to support my business during the pandemic period but capital one frozen my account recently and now I see that the amount was withdrawn from my account without my concent, with no proof of where it was sent. Capital one did not provide any reason why they took this action and neither did they reach out to me for any clarification. I did feel like capital one did not act as a financial service provider rather felt like a simple working man was harassed for no reason. I need my money back into my account if not then full written clarification of where my money was sent and reason for it asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: GA

Complaint narrative:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management is attempting to collect on a debt not owed. Midland Credit Management They bought this from another debt collector. I do not owe {$1100.00} to Midland Credit Management. They are fabricating a debt. I have never done business with them. This is being recycled to various debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
This debt is invalid. The account was put on hold with the medical service provider while the provider reviews the account with the health insurance provider. I have spoken with the business office for the service provider ( XXXX / XXXX XXXX ) and they have confirmed that no account in my name has been sent to a debt collector. I have repeatedly advised the debt collector that the debt they seek to collect is invalid, disputed the collection, requested proof of the debt based on their information and asked them to stop calling. They continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX. Im trying to solve the problem with my incorrect credit score. Here is the situation : I opened my credit card at XXXX XXXX in XXXX and after 6 months of opening it I started to see my XXXX score ( which was reported from XXXX ) on my XXXX XXXX XXXX. When I opened the card I didnt have SSN, however, as soon as I obtained my ssn in XX/XX/XXXX I updated my personal information and added it to my XXXX XXXX XXXX. After obtaining my ssn I also opened XXXX, XXXX, and TransUnion accounts to see my credit score. However, Transunion doesnt have my XXXX XXXX XXXX XXXX on my profile. It only has one credit card from XXXX which was opened less than 6 months.

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 2022-01-17 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: U.S. BANCORP
State: IL

Complaint narrative:
Each month, Elan Financial is reporting inaccurate credit card balances to the credit reporting agencies. These inaccuracies are preventing me from obtaining credit. 

Ive reached out to Elan about this issue and they told me that the inaccurate / incorrect balances reported, are mistakes of the Credit reporting agencies : XXXX, XXXX and XXXX. ( The reported credit card balances are the same for each agency. ) Ive reached out to each credit agency, and each one stated that Elan sends over this information electronically and thats where the account balances come from. My credit card statements have been closing between the 4th and 7th day of each month. Based on my credit reports, Elan has been reporting my balances to the credit agencies on the last day of the month. This month, however, they reported my balance on the 14th of the month, and they reported a higher balance than what my credit card statement says for XX/XX/2022. The balances owed, per my credit card statements, are not the same balances reported to the credit agencies, nor are the balances being updated on a systematic or consistent basis. These inaccuracies need to stop as they are negatively affecting my credit and my ability to obtain credit.

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 2022-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARS National Services, Inc.
State: VA

Complaint narrative:
ARS XXXX  have called both myself and my spouse regarding a debt collection for a debt that is not ours and threatening legal action if we dont respond. When I call they are looking for a person with the same first and last name, but different DOB and SSN. I I tell them my info and ask how I can get them to stop calling, they hang up. 

Calling 1-2 times daily. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  etc They also call using a spoofing device to make it appear from a local number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I contacted western union XXXX XX/XX/XXXX to make a bill payment to my Mortgage company XXXX XXXX. I used my Mastercard ending in XXXX. I am a XXXX XXXX Veteran who is on XXXX. The amount was for {$1000.00} MTCN XXXX. On XX/XX/XXXX I went to use my card and it was declined. I looked at my account to find Western Union had made an unauthorized charge to my account on on XX/XX/XXXX for the same amount of {$1000.00}. I immediately contacted them. They advised it was a glitch in their system they are fixing and my account would be refunded. .They gave a case number of XXXX. I called them four other times to be told it would be refunded. On XX/XX/XXXX I called again and they asked to have a copy of my statement which I previously asked if they needed. I sent it in. they gave another case number of XXXX. I contacted them again XX/XX/XXXX and the matter is still not resolved. I am still getting the run around. The money is not back non my account, my other bills are bing returned. I am beyond horrified by their actions and lack of customer service in resolving this issue. I need immediate assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
During the late morning of XX/XX/2022, I attempted to login online to my XXXX CHASE credit card account. Four times I clicked " send me a code ''. Not only four times, but six times, Chase telephoned me- each time with a recording stating that " this is not a valid entry. Goodbye. However, I did not have a chance to enter anything, all I did was say hello. But, while doing so, the XXXX DESIGNED XXXX XXXX  about not being an entry and hung up. Clearly, J. P. Morgan Chase Bank has a malfunctioning online IT system. Moreover, starting at the top with billionaire leftist fascist CEO XXXX XXXX, there is no accountability, no responsibility to the consuming public.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I went to check my credit and it says I have a debt with a energy company from when I was XXXX XXXX XXXX and Im currently XXXX XXXX XXXX and I live and XXXX and I wanted to know if I could get that debt off my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation