vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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: CA

Complaint narrative:
I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2021-12-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citibank card, and on that card, I had a 0 % APR offer on purchases and balance transfers. I have 4 months left on that offer ( exp in XXXX ). I was then offered a flex loan with my Citibank card on available balance and chose an offer with a 10.99 % APR and 48-month terms to payoff ( 48 payments ). I accepted terms and received the loan. This last weekend, I made two payments on my account. One for the non-flex loan 0 % APR balance, and the other to pay the flex loan amount. I then cancelled the second payment for the flex loan, to keep that loan contract valid. I also accepted a second flex loan plan on the amount I freed up by making first payment. Account status should be at that time, 2 flex plans with separate terms and APRs attached, and {$0.00} balance on the APR purchase/transfer portion of my account. Account overview : Once the 0 % APR portion of my credit card balance for the offer, changes at term expiration, it will change to around 20 % APR. Now, after cancelling the 2nd payment, Citibank has allocated my first payment to the flex loan and not the 0 % APR. My account now has a balance with the higher APR rate attached, no original ( first ) 48-month flex plan which says it is paid off, as well as the second flex plan, which I accepted this weekend. My issue is this is a bait-and-switch or misinformation issue. Citibank offers a flex loan with monthly options of payback at 12, 24, 36, 48, 60 months and APR attached, but then treats the loan as a credit card purchase and pays the account based on APR percentage from highest to lowest. I have a regular purchase balance with APR attached, and I have a loan with its own terms, yet they treat these as % based items, and allocate funds accordingly. I request my original flex plan reinstated. I should have 2 flex plans now, equaling almost {$13000.00} with 48-month terms and payment plans attached. I should have no balance on my account associated with purchase or purchase APR. My monthly payments should be {$130.00} and {$200.00} totaling {$340.00} for next 48 months. Please help me get my account back to this state.

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: CT

Complaint narrative:
I deposited a XXXX check on XX/XX/2021! XXXX was made available. Before the remaining could be cleared my accoubt was places on hold then closed. I received an account summary details of what was left in the account XXXX. The check was not for me to deposit but my landlord. However ; its been 6 months with no details of when and where the funds are. The XXXX XXXX the sender of the check is requesting the funds back or a detailed document stating Keybank is still investigating and will return funds to sender. Keybank will mot cooperate with me to get this matter resolved. It is affecting my livelyhood and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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 sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
This account does not belong to me I have contacted the original creditor and collections agency to verify the validity of this account and have yet to receive proof of ownership of the account or service rendered. XXXX XXXX amount owed {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Under 15 USC 1681 ( b ) - Permissible Purposes of consumer reports, ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


I did not give my written consent for anyone to report anything to my consumers credit report. No consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
In XXXX of XXXX, a check was issued to XXXX XXXX XXXX for my home mortgage, it was written from a wells Fargo account. The check was cashed by XXXX Bank in XXXX of XXXX. We have the bank-issued proof of deposit. XXXX stated that this check was never cashed by them reported me as late. Wells Fargo has been notified of this and a Notarized affidavit has been issued to Wells Fargo in XXXX of XXXX. We still have not received this money from Wells Fargo. Wells Fargo and XXXX XXXX are liable for the damage they have caused from XXXX XXXX to the present day XXXX. They have ruined my credit and fraudulently took money from the consumer. The amount of the check was approximately XXXX. In addition, they ruined my credit for over 4 years.

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 2021-12-28 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: MI

Complaint narrative:
Under 15 USC 1681 ( b ) - Permissible Purposes of consumer reports, ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

According to the Fair Credit Reporting Act, these disputed items must be reinvestigated or deleted from my credit record within 30 days. Throughout the investigation period, these items must be removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. In your investigation results, please render the names, addresses, and telephone numbers of individuals you contacted during your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: WA

Complaint narrative:
I have requested on more than one occasion from all three credit reporting agencies that the attached information for the account in question be removed and it remains on my credit report despite it being well over seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I was notified by Chase my Credit Score dropped significantly down to XXXX. I logged on to my account and found the credit card that I am still actively using and making payments for was no longer part of my credit report. It shows as not available. In XXXX, the XXXX years of payment history was shown and my credit score was at the correct level. Now in XXXX, the XXXX years of payment history no longer shows on my credit report with XXXX. I spoke to chase on phone and was told the dispute comment is causing the issue. I requested the dispute comment to be removed and was told it would be resolved. I also contacted XXXX on XX/XX/2021 and was told they would investigate it. The personal XXXX credit report number was XXXX but I had to contact them via phone to access the results. I waited until XX/XX/2021 and contacted Chase to find they did nothing to resolve the issue and my payment history and active credit card account of XXXX was still not restored to my credit report. It's weird because I'm still making active payments and using my credit card. The usage, balance, credit limit, account status, highest balance, payment status and late payments are all missing. The account is not in dispute so I'm not sure why Chase reported that to the XXXX bureau. Chase told me that the comment was what caused the payment history and information to be removed from my credit report. However, I spoke to XXXX on XX/XX/2021 and was told that dispute comment has nothing to do with credit history and Chase needs to report the payment history again to restore it to my account. I've been fighting back and forth for the past XXXX weeks to get this issue resolved. This is the third consecutive year that Chase has somehow managed to XXXX up my credit history and ruin my credit score because they failed to report my payment history and credit card status accurately. I'm missing XXXX years worth of payment history due to their negligence. I was told by XXXX today on XX/XX/2021 that under report XXXX that they should remove the dispute comment and will look into the payment history. However, only Chase can report the payment history and credit card status to be restored to XXXX. XXXX can only receive and use the information for credit score purposes. I'm frustrated because I'm not sure who is telling the truth and would like this resolved promptly. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Under 15 USC 1681 ( b ) - Permissible Purposes of consumer reports, ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates I did not give Transunion my written consent. No consent is 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 non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I made a purchase with Victoria 's secret credit card which was issued by comenity bank. I was paying balance on credit card every month. Finally I paid what was left in full and get the another bill for {$2.00} finance charge. When I called I was told that previously month I had a balance and that's why finance charges were assessed. According to that logic I will always have balance regardless if it is paid in full. I was told that it does not go indefinitely ( lucky me ) but you have to pay balance in full for 2 consecutive months!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: NM

Complaint narrative:
I had a debt for a student Loan with XXXX XXXX. I set up a payment plan for {$50.00} per month, and payed monthly until I recieved a letter from them saying that I was caught up and my debt was payed. I also stopped recieveing any bills, or other correspondance from them. 
A few months ago I got a letter from Conserve saying that i now owed them {$2200.00} and that I had 30 days to dispute. I called within the 30 days and left a message that I had payed the debt. 
I have not recieved an email, phone call, or paper bill from Conserve. Conserve does however keep putting derogatory remarks on my credit score. 
I have emailed them twice and left another voice message, with all of my contact information. 
They refuse to correspond with me regarding the matter, but today they made yet another deragatory remark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2021, Wells Fargo sent 5 emails with confirmation codes to set up and confirm a new account under MY NAME and EMAIL ADDRESS. A 6th email followed with a notification that the email address had been changed. Made a report to both Wells Fargo concerning the fraudulent creation of an account under my name. They required my SSN to preclude any creation of further accounts and provide a report 6 weeks later on their investigation.

I was able to prove that my email account had not been accessed from any other devices. Also, the first 5 emails all had the identical timestamp. None of the emails required verification codes to be entered at the website. It seemed like the initial steps were automated and then moved to a new email address about 10 minutes later. 

On XX/XX/2021, my credit reports were alerting the creation of new accounts at Wells Fargo. 

An online search indicates others are experiencing the same problem- see 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 non-monetary relief
Consumer complaint received 2021-12-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Under 15 USC 1681 ( b ) - Permissible Purposes of consumer reports, ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give Experian any permission to report Anything to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hello good afternoon I informing you today because my debit card was stolen on the XXXX of XXXX in New York I wasnt aware until the following of the next day when I saw transactions on my statements there was XXXX invalid checks that I did not put on my account XXXX for XXXX and XXXX for XXXX. Plus a hold on my card I immediately called Wells Fargo and made a claim of fraud. I just want this problem fixed I am a college student at XXXX XXXX and I cant afford any problems I need to get my degree thank you for your time and I hope you guys get this problem fixed soon

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 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I have a debt collect from a apartment I stayed in from XXXX. I put in a notice to vacate 60 days prior I did a walk through and turned in my keys. Now two years later they are stating I broke my lease and caused damage that I didnt not do. I have asked for a list from it data international and the XXXX  and no one will give it to me. I never got anything from the XXXX  when I moved out. No deposit back. No summary are anything from the via mail email or call and they had my forwarding address. 

The companies involved Iq data international XXXX XXXX

Company response to consumer: Closed with explanation