vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD BANK N.A. is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( TD BANK N.A. XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: KY

Complaint narrative:
I noticed several hard inquiries on my XXXX and Equifax XXXX XXXX that do not belong to me. Ive reached out to the creditors as well as XXXX amd Equifax informing them they were fraudulent and no one helped me. Just gave me the run around. 

Unauthorized Hard Inquiry Listed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Factual Data - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquires Listed on Equifax XXXX XXXXXXXX XXXX USA XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XX/XX/2021 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX account balance XXXX opened date XXXX XXXX this account is not mine I did not open this account with the company an Experian XXXX XXXX XXXX, XXXX XXXX, CA is reporting this account on my consumer report as well

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 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am the consumer, original creditor and natural person. Comenity Capital Bank has denied my right to credit as I applied for a XXXX XXXX credit card account on XX/XX/2022 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), Comenity Capital Bank violated federal law by denying my credit application. Comenity Capital Bank also discriminated against by pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, Comenity Capital Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: United Collection Bureau, Inc.
State: LA

Complaint narrative:
Incorrect information on my credit report Sub-issue : Information belongs to someone else date opened : XX/XX/2021 total amount : {$210.00} cahrgeoff date/collectionsXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: GA

Complaint narrative:
I have contacted this company numerious times now and I feel like they are ignoring the issue and because there was no legitmate reason for closing the account after opening it, I feel think this was a case of discrimination. I have researched all the details of the opening of the account with all three credit bureau 's. I have made two complaints and provided facts and letters from the company itself that supported the reason for the drop in my credit and the opening of the account. I have contacted the credit bureau 's in effort to find out why they would do something like this to me, to find out that there is no reason for them to do this and I have talked to the ( XXXX ) XXXX  who has provided me with no information nor update nor concern for the complete devistation this has caused me. My daughter is getting married next month and I can not use my credit now because of this complete lack of consideration and care from this company. The day I tried to use the XXXX XXXX  card that was issued to me by Chase and it declined I called in and a manager looked up my account and asked me my name. He called me XXXX  like the vice president uses and he told me to please hold while he looked into the account. I believe he put notes on the account that day and he is the reason that this all happened. He then transfered me to a line that never picked up. I went on to days of being put on hold and transfered and given bad information and finally a young girl told me that there were notes on my account saying that they ( chase ) did not want a relationship with me. I had never received a letter stating such! I think he did not like XXXX XXXX and he put that there. I don't know what Chase is doing but they have runined my credit and I spent from XXXX on a program where I spent XXXX a month monitoring and bugeting and watching my credit so I could use it to better my life. They had no right to do this! According to XXXX JPMB Card Checked my credit XXXX  times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they closed a credit line dropping my credit a total of XXXX XXXX. That is just one XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
I have bought {$500.00} Vanilla Visa Gift Card from XXXX grocery store on XXXX XX/XX/2022 at XXXX pm. Card was approved at the XXXX and I got the receipt with approval/Auth. When I tried to use the card for making payment at Car repair shop it does not work and it was very humiliating for me. When I tried to check the balance on vanilla gift card website it was showing system error. After that I have tried to check the balance using the phone XXXX and the automated message told that there is some issue with Card and then talked to the customer care and share the card details but they are not able to resolve the issue. Moreover they are asking with me for more time, I have already made the payment for the card at the XXXX XXXX XXXX and still not able to use it. I hope that Consumer Financial Protection bureau will take proper action against Vanilla Visa Gift card company in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Since XXXX XXXX I have been unemployed. Due to issues with unemployment, i did not receive payments until end of XXXX. I back then informed citibank of my unemployment issues and they reversed 2 ACH fee charges. 
XX/XX/2021, my unemployment was completed, no extension available. Unfortunately, I was sick with XXXX for 4.5 WEEKS. During this time payments to my creditors were on Auto Payment. This created an exorbanant number of charges to my checking account. CItibank has been calling me 2-3 times daily. I have explained to them I have been sick and to ill to manage my account. I am unemployed and have filed for Welfare. I was informed by the banking representative, he apologies for my troubles but i need to pay them for the return payments. 

I have a mortgage of XXXX a month, an exceeding past due and large electric bill. I have zero medical coverage. I can not afford to pay citibank for insufficient fund charges. 
The reps at citibank said there is nothing they can do this is a system issue. there is no manager i can speak with and i will just have to pay. 

I owe citibank over {$600.00} in insufficent charges, they did not cover any of the payments, these are insufficent charges. 

I have not one dollar to my name. 

No one at citibank will help me. Welfare is on a 6 week back up. Also attached is my electric bill validating i can not pay my bills at this time. I am in dire straights. 

Please help 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 2022-01-19 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-19 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-01-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My name was fraudulently forged on a quit claim deed dated XX/XX/XXXX at XXXX. My ex-husband wife XXXX XXXX forged my name giving up my interest in the property. I did not sign the document at all. I had the property in bankruptcy that was filed in XXXX to save the property. I have texts showing that I was negotiating with my ex-husband in XX/XX/XXXX trying to come up with an agreement to sell property. The mortgage company excepted the payoff without verifying all the information making sure it was not forged. I have filed a police report. Even on the document that was forged an address that was used for me I never resided at the address. The address used was an old former address of XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: FL

Complaint narrative:
I XXXX the consumer, Continue to Be damaged by the injurious nature of XXXX XXXX US DEPARTMENT OF EDUCATION. This is in response to XXXX documentation and response thereof. XXXX XXXX has Documented evidence of my account in a forbearance status with no interest incurring. XXXX has also denied my claim which is being rejected. As I am a victim of identity theft due to the fact of XXXX XXXX AND ON BEHALF OF US DEPARTMENT OF EDUCATION ( technical third party with no standing ) TO BUY and securitized my information to EXPERIAN,. This is not authorized.. this is a data breach. It has been stated by XXXX That they must Furnish my account data proving they had no real reason only that must, XXXX claim is not valid only a violation as to having no absolute grounds to furnish and did so WITHOUT MY CONSENT. if a reason was so it would have been listed, WE MUST does not mean we are able to ignore the consumer and make decisions without them. WITHOUT THEIR CONSENT which is in fact identity theft. XXXX XXXX also claims they are lender but not have provided any 1099 A or C copies for my tax purposes, nor 1099 XXXX or any forms that are supposed to be filed with the IRS that have not been and have also been acknowledged on form XXXX. At this time it is being requested : The original transaction with US DEPARTMENT OF EDUCATION to clear up my name and to prove the theft of my Identity. As XXXX is REQUIRED TO PROVIDE THE ORIGINAL TRANSACTION DOCUMENTS pursuant to FCRA sec 609E. And attached. I XXXX the consumer know I am the lender and with the credit, XXXX has still not answered HOW YOU WERE ABLE TO OBTAIN MY INFORMATION. According to XXXX the consumer, you had no PERMISSIBLE PERMISSIBLE OR WRITTEN. CONSENT TO FURNISH A REPORT. In addition to the accuracy of the report pursuant to 15 USC 1681 AE you have not asked the consumer XXXX if the information is actually true. Instead violated my privacy rights, unalienable rights, and federal rights protected as a consumer.

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 2022-01-19 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: LA

Complaint narrative:
Incorrect information on my credit report Sub-issue : Information belongs to someone else date opened : XX/XX/2021 total amount : {$210.00} cahrgeoff date/collections: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 2022-01-19 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: LA

Complaint narrative:
Incorrect information on my credit report Sub-issue : Information belongs to someone else date opened : XX/XX/2021 total amount : {$210.00} cahrgeoff date/collections:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I made 2 individual orders on the XXXX XXXX with the first order amounting to {$980.00} and the second amounting to {$1000.00}. Both orders included a cell phone trade-in box. After submitting back the phones, a credit of {$400.00} each was promised with the presumption that the phones were in good condition, paid off, and factory reset. On the XXXX XXXX, it is stated that {$400.00} was credited on XX/XX/XXXX, and the other trade-in was credited at {$400.00} on XX/XX/XXXX. The first credit is shown on my SynchronyXXXX XXXX account only on XX/XX/XXXX. The second credit was not posted to my account. Additionally, I had noticed a charge amounting to {$31.00} that I did not recognize with the same order number of the previous 2 orders that I did make. On XX/XX/XXXX I reach out to the online chat with SynchronyXXXX XXXX and initiate the dispute for my missing credit and suspicious transaction. On XX/XX/XXXX I receive a letter indicating that I " have already received the {$400.00} credit on XX/XX/XXXX '' but did not include detail about the other {$400.00} that is missing. I initiated an additional dispute on XX/XX/XXXX to indicate my missing credit along with the unknown charge of {$31.00}. The customer service representative assisted my to make a dispute for the missing credit and indicated for me to call a different number to make a fraud claim for the {$31.00} ; additionally they indicated the dispute balance was not to be calculated into my minimum payment until the investigation was concluded. After making the fraud claim, they indicated it will be reviewed. 
On XX/XX/XXXX I contacted the phone customer service support for additional detail and it was indicated that the investigation was concluded and the full balance was due ; additional information related to the " already credited {$400.00} '' went back and forth without consideration for the other {$400.00} that is missing. I requested yet another dispute and received an email letter on XX/XX/XXXX indicated that the dispute was open. 
As of XX/XX/XXXX, the full minimum payment is due and an investigation is supposedly ongoing. 

Note : My suspicion with the additional charge of {$31.00} is that this is an item within the 2nd order of {$1000.00} that shipped very late and charged an additional time once it was sent out. It is the same total cost with tax, but was already included within the original order.

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 2022-01-19 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 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: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on 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 2022-01-19 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: LA

Complaint narrative:
I tried reaching out to this bureau several times about this account that does not belong to me and inquiries that do not belong to me. this information is fraudulent and i want it investigated and removed from my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-01-19 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation