vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 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: CA

Complaint narrative:
Dear administration, After my second complain credit agency add to my report more than 40 request for a loan. 
I do understand you make it angry and now they start discriminated me. 
They block my password and I can not log in, I am old and write my password to list, no chance any mistakes. 
After first complain was been 4 request for the loans, and two not belong to me at all, right now you can see attached list. 
I never do any from this requests. 
I had two credit cards, XXXX XXXX and XXXX XXXX, one loan from XXXX XXXX, XXXX car what take from XXXX XXXX. 
I do request from XXXX XXXX for credit card, they send me offer and when I fill this application they answer you do not qualifiyed, and XXXX XXXX XXXX. 
Please do not forget now easy find a location the person use mobile phone. 
I can bring you evidence I do not travel to this company or not do any request online, I have not debt and do not see necessary request for many companies about a loan. 
Right now this fraud from Experian, humiliates and discrimination. 
Please remove all what you add illegality!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently tried to pull my credit information XXXX XXXX and it stated that another names an email was connected to my identity when that is fraud because I am the true person. I was unable to pull my credit report from TransUnion XXXX  an XXXX  to check my personal credit because someone is using my credit as me. I am requesting that I have access to my credit reports and to XXXX XXXX, and to have access to use my own report which is law. And if there are any accounts open active and present that they should be closed because they are fraud. Any accounts on there need to be investigated and deleted from my credit record within 30 days I am disputing that this must be removed from my credit report if anything is reporting items and I need all debts to be validated through the Constitutional collection activity I have never used my credit and I have put myself in the system of opt-in and opt-out and I've also provided below proof of Fraud and a in a police 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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently tried to pull my credit information XXXX XXXX and it stated that another names an email was connected to my identity when that is fraud because I am the true person. I was unable to pull my credit report from XXXX  Equifax an XXXX  to check my personal credit because someone is using my credit as me. I am requesting that I have access to my credit reports and to XXXX XXXX, and to have access to use my own report which is law. And if there are any accounts open active and present that they should be closed because they are fraud. Any accounts on there need to be investigated and deleted from my credit record within 30 days I am disputing that this must be removed from my credit report if anything is reporting items and I need all debts to be validated through the Constitutional collection activity I have never used my credit and I have put myself in the system of opt-in and opt-out and I've also provided below proof of Fraud and a in a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: GA

Complaint narrative:
I submitted a dispute ( s ) with Equifax regarding accounts reporting on my credit report on XX/XX/2020. Equifax received my dispute letter on XX/XX/2020. On XX/XX/2020, I mailed them a 30 day no response letter. It is now XX/XX/2020 and I still haven't received a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: MS

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Help me! 

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 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had a paypal credit account and was paying it every month. While paying it my pay pal account was then changed to a MasterCard account with Synchorny Bank. In doing so they charged off my account. And was told although I want to pay the entire balance off. I was told that it will remain on my credit for seven years. This has infringe my possibilities to refinanced my home for seven years. 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 2020-10-08 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: NY

Complaint narrative:
I XXXX XXXX have no other recourse but to see if an act of kindness can be ascertained through the Consumer Financial Protection Bureau. During the year 2019 I was traveling to my original country on business and family matters, and my wife was in charge of family business, which included paying my bills on time. However, as a mother of XXXX children she lost focus. My statements with XXXX XXXX XXXX XXXX XXXX were not attended to properly, and therefore my perfect credit history was tarnished. I therefore request this member of the credit reporting agency system to give an  honest review of my payment history and the removal of my late payments of XX/XX/2019 and XX/XX/2019. I am not disputing the current rating, but I am asking for an honest review and to be given every consideration for the negative payment removal. 
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 2020-10-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WSFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX took over this debt around 2017. The debt in questioned a principal balance amount and a Non Interest bearing amount of approximately $ XXXX. I tried to negotiate a payoff with the holder of the debt XXXX whom XXXX would not provide me with the contact information. I dealt with an individual at that time called XXXX XXXX who made me complete a hardship form, against my wishes in order for me to attempt to negotiate a payoff. I wanted to payoff the loan and my reason was not as a result of a hardship. I stressed this over and over again and he said. " If you want to try and do this then you have to fill it out '' I reluctantly did and the following he call and said very curtly that it had been declined without providing me a reason. 

It was then that XXXX began harassing me accusing me of non payment. In the past 2 1/2 years I began receiving calls from XXXX  representatives informing me that this is an attempt to collect a debt. On each occasion I have been accused of non payment. 

The problem : My principal balance is not at XXXX cents. I have been making payments on time each and every month yet XXXX seem unable to apply my payments. Instead the monies are not applied but are shown on the statement listed as an " Unapplied payment ''. This is when the phone calls begin stating that they are attempting to collect a debt. 

I have attempted on countless occasions to resolve what is a payment processing problem by XXXX. I have spoken to numerous individuals who have apologized profusely and have promised that they will rectify what they have admitted to me is their problem. This has never been achieved and every 3 months I begin receiving calls from XXXX representatives attempting to collect a debt. I am going to attach the escrow statement that I received from XXXX when they last denied my claim to have late fees removed. 

During this time XXXX  have sent people on at least 3 occasions to the property. A property that my XXXX year old mother lives in. These individual were taking pictures of the home. My mother called me distraught that she was getting thrown out of her home. 

I have tried my best to be reasonable with XXXX  XXXX  and after almost 3 years I have given up. 

I have attached the escrow account provided to me by XXXX showing the numerous occasions where I had to request return of late fees. 

I would like to report XXXX for harassing myself and my mother for almost 3 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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I XXXX XXXX have no other recourse but to see if an act of kindness can be ascertained through the Consumer Financial Protection Bureau. During the year 2019 I was traveling to my original country on business and family matters, and my wife was in charge of family business, which included paying my bills on time. However, as a mother of XXXX children she lost focus. My statements with XXXX XXXX XXXX XXXX XXXX were not attended to properly, and therefore my perfect credit history was tarnished. I therefore request this member of the credit reporting agency system to give an honest review of my payment history and the removal of my late payments of XX/XX/2019 and XX/XX/2019. I am not disputing the current rating, but I am asking for an honest review and to be given every consideration for the negative payment removal. 
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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX have no other recourse but to see if an act of kindness can be ascertained through the Consumer Financial Protection Bureau. During the year 2019 I was traveling to my original country on business and family matters, and my wife was in charge of family business, which included paying my bills on time. However, as a mother of XXXX children she lost focus. My statements with XXXX XXXX XXXX XXXX XXXX were not attended to properly, and therefore my perfect credit history was tarnished. I therefore request this member of the credit reporting agency system to give an honest review of my payment history and the removal of my late payments of XX/XX/2019 and XX/XX/2019. I am not disputing the current rating, but I am asking for an honest review and to be given every consideration for the negative payment removal. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: First Help Financial, LLC
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MN

Complaint narrative:
I opened a Discover account in XXXX. I had a single late payment ( not 30+ days late ), and they closed my account in XXXX. The account was open for around 12-13 months at the maximum. Discover sent me a notice saying that they were closing my account in XXXX. At that time, I submitted a complaint and did not receive a satisfactory response. Fast forward to today, and I filled out a " pre approval '' form for a Discover account. I received a message that my approval was denied due to the " status '' of a current or previous account. Knowing that my account was never seriously delinquent and was paid in full, I messaged Discover to see if I could figure out the issue.

After over one hour chatting with Discover, I was told that my account status reflected a 148 day past due status. That is simply not true, and there is something in their records that is factually accurate. The chat representative refused to take my complaint, refused to escalate me to anyone else, and disconnected the chat without resolution.

Specifically, I need to know why my account reflects a 148 day past due status when I was never even close to 30 days past due. I also would like to know why I have been declined for credit incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: MS

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Help me! 

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 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a high school checking account under my mom for three years I finally went to change to a college account. Once I got home I was not able to log in account I called the bank they advised me account was restricted call back another day. My high school account was closed and so was my college account for no reason representative told me they have no reason after they did Investigation on my account for a whole week to find out my account will remain closed and I can not bank with chase with no valid reason. I called executive office I was in contact with  XXXX case # XXXX representative name was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Its reporting on all major companies XXXX, XXXX, XXXX, XXXX XXXX that I am behind on credit cards and accounts that I have played off or balances are incorrect I have proof of current accounts which I will post below in the evidence. Then I have an account that is old and it keeps reaccuring and I never did business with the company it was removed in XXXX, and resurfaced in XXXX of XXXX. 
XXXX XXXX  credit card Macy account card I literally begged and was hung up on and avoided from XXXX For Macys to close my account they report it to you as close yet continuing to charge me then I pay the account off once in. XXXX down to half requested to close and I look up and I have a XXXX $ plus bill I pay off XXXX on XX/XX/XXXX to settle the debt to a XXXX balance and they will not update it Citi bank gas card I updated and paid the balance {$220.00} on XX/XX/XXXX and they still have yet to update the payments on my accounts I will attach proof of these below its law to report accurate I formation on a debt according to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 i ( a ) ]. 9 I am disputing the amount on these items and I asked that an update on all my credit card accounts be issued in an  investigation to the correct amount and to report XXXX balance and when the accounts were properly close and to a erase XXXX XXXX  card which is not mines it keeps reappearing after it's been removed in XXXX I added new lines with XXXX  XXXX yet they haven't updated and its withholding my score jts not fair that I have paid off accounts and they wo t update the information

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 2020-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Roughly a year ago I signed up for credit monitoring so I could correct my score. I took care of all of them but XXXX XXXX because I had no knowledge of this account ever. 3 month ago roughly I called them and asked them to explain the agent took all my information and assured me she would send me all supporting documents validating this attempt to collect what seems to me a wrongful debt. A couple months latter I sent them a email with all my information again requesting proof of this debt within 30 days no response at all via email. Then I sent a certified letter on XX/XX/XXXX final request to validate this debt with all and any signed documents by me opening this account on XX/XX/XXXX to send proof or demand they remove account off all my reports immediately with letter to all bureaus stating it was a fraudulent debt. The agent said no. So I talked to dispute supervisor. She claims last week they sent proof of this debt to my house and it has been validated to be true now mind you the last year in a half I have been disputing the same debt through XXXX XXXX, XXXX, XXXX XXXX  and no results just ignored all request. I'm a single father of XXXX trying to get my credit to a decent score so I can get my family a house and XXXX  straight ignores all request and not one has showed me proof in any manner that this is my debt. They are I violation of my rights a ruined my life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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