vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 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: AK

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: CA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX my Discover credit card has been extensively used by a scammer. I opened this card mainly for the purpose of balance transfer from another card, I set up a minimum amount to pay back every month, I barely used the card and did not pay attention to the billing statements. 

It was not until XX/XX/XXXX that I found out about the fraud amounts on this card, I contacted Discover right away and they promised me to resolve this ; within the month they returned the amounts disputed of {$250.00} back to my card, but that was not the full amount, Discover still owed me {$130.00} but I never heard from them again. 

I thought it'd be over and I could move on but no, the card was again used by scammers and charges continued to occur well into XX/XX/XXXX. I reported the issue to Discover and asked for a new card and the company again promised to resolve it. By this time, the overall charges were {$770.00}. Discover later refunded me {$540.00} but the remaining amount of XXXX XXXXwas never received. 

However, in XX/XX/XXXX Discover charged me {$460.00} out of the previous disputed amounts. In XX/XX/XXXX I  disputed for the third time against the amount charged in XX/XX/XXXX with them, and they again promised to help me. 

Today is XX/XX/XXXX and I have not heard or received any response from them, I have called and followed up with the company at least 5 times. I just finished a phone call with Discover representative and was told the fraud department had completed the investigation one month ago on XX/XX/XXXX, and determined the charges were my liability. In addition, without any new information I can not open another dispute with them. However, during my previous followups nobody had told me if they made any progress in my case, and all of a sudden now they are telling me I am responsible for these charges. 

We are now burdened with an extra {$620.00} to pay which was fraudulently used. We have been working hard to pay off our debts, but with situations like this we will never achieve a debt free life. Please consider our complaint and uphold justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Call chase on XX/XX/XXXX in to XX/XX/XXXX. Account locked and no one can tell me why but to call back at a later time, while my account is locked and I was placed on hold for 15 min until the operator waited for the appropriate department to close. Now I have not access to my bank on line account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase keeps denying my credit increase request when my payment history is sound. They denied my credit when I had a good score and denied it when I had a bad score. Speaking with someone there at Chase said something to the effect that they use " judgmental lending '' meaning it is arbitrary. They claim to use my credit score/report but this is a smokescreen. 

I tried to contact the cowards at Chase but the person who responded to my last complaint always goes to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: AK

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 2019-04-26 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: VA

Complaint narrative:
The major three credit reporting agencies is not abiding by the rules and laws within the FCRA. These three major credit bureaus are constantly reporting unverified and unauthorized accounts inwhich is unconstitutional. I have requested the Method Of Verification used in previous investigations but did not receive any response from either of the 3 credit reporting agencies. My identity has been compromised and accounts has been opened and closed in my name. I have no contracts with any of these corporations inwhich the 3 major  reporting agencies are reporting. I'm now demanding that this accounts be blocked from my credit data immediately. And if these accounts are not blocked / removed accordingly then I will file suit as of my rights as a consumer. Please block these fraudulently opened and unauthorized accounts, account # 1 ( XXXX XXXX XXXX ) account # 2 ( XXXX XXXX XXXX {$400.00} ) account # 3 ( XXXX XXXX {$4100.00} ) account # 4 ( XXXX XXXX XXXX {$0.00} ) account # 5 ( XXXX XXXX XXXX XXXX {$31000.00} ) account 6 ( XXXX XXXX XXXXt {$500.00} ) account 7 ( XXXX XXXX   {$870.00} ) account 8 ( XXXX XXXX XXXX {$1200.00} ), account 9 ( XXXX XXXX {$7300.00} ), account 10 ( XXXX XXXX {$8300.00} ), account 11 ( XXXX XXXX {$8000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: VA

Complaint narrative:
The major threXXXX credit reporting agencies is not abiding by the rules and laws within the FCRA. These three major credit bureaus are constantly reporting unverified and unauthorized accounts inwhich is unconstitutional. I have requested the Method Of Verification used in previous investigations but did not receive any response from either of the 3 credit reporting agencies. My identity has been compromised and accounts has been opened and closed in my name. I have no contracts with any of these corporations inwhich the 3 major reporting agencies are reporting. I'm now demanding that this accounts be blocked from my credit data immediately. And if these accounts are not blocked / removed accordingly then I will file suit as of my rights as a consumer. Please block these fraudulently opened and unauthorized accounts, account # 1 ( XXXX XXXX XXXX ) account # 2 ( XXXX XXXX XXXX {$400.00} ) account # 3 ( XXXX XXXX {$4100.00} ) account # 4 ( XXXX XXXX XXXX {$0.00} ) account # 5 ( XXXX XXXX  XXXX XXXX {$31000.00} ) account 6 ( XXXX XXXX XXXX {$500.00} ) account 7 ( XXXX XXXX  {$870.00} ) account 8 ( XXXX XXXX XXXX {$1200.00} ), account 9 ( XXXX XXXX  {$7300.00} ), account 10 ( XXXX XXXX {$8300.00} ), account 11 ( XXXX XXXX {$8000.00} )

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 2019-04-26 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:
XXXX loan has reported past Loan terms of 24 months. Filed complaint with attorney general. XXXX deleted the information as well as 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 2019-04-26 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: GA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: MN

Complaint narrative:
Between XXXX of 2018 and XX/XX/2018 I accrued a number of medical charges due to XXXX XXXX, a XXXX XXXX, a hospitalization, and a serious illness. 

XXXX XXXX I had both Medicare/Medicaid and employee XXXX.All of my bills were paid and deductable settled.When I ended XXXX XXXX, my co-pays were minimal. 

It took a great deal of effort on my part because both insurance entities were making error after error. It was really appalling. However, I finally documented that everything was paid. I got an email from XXXX XXXX XXXX saying my balance was XXXX. 

I got a phone call from Diversified a collection agency. They said this account was placed with them. I explained that it was paid and the rep said just wait a bit, it will drop off. 

I received two letters in XXXX from them. Both cite almost exactly the same amount owed, so two bills for over {$5000.00} total. Enclosed with each letter, I suppose as an attempt to document this claim, was a single sheet of paper with four collumns : entity name, amount, fees, total. 

There are just sums listed. No dates of service, no doctors names or procedure codes, nothing. These bills have been paid. I dont need to deal with this because its not owed. 

Further, they have not supplied legitimate documentation. I have hundreds of bills and lists of charges. How do i know what these sums represent. 

Please, please help. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: GA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank Of America ( The creditor ) agreed to delete this account from all the three credit bureaus XXXX XXXX & XXXX. The charge off was paid off & theres no payment is owed to the creditor. Before the charge off was submitted to all three credit bureaus XXXX XXXX & XXXXx. I was making direct installments payments to the creditor ( Bank Of America ) &  unfortunately once the credit card was paid off they reported it as charged off 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
Consumer complaint received 2019-04-26 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: IN

Complaint narrative:
On XX/XX/2019 I discovered that XXXX XXXX XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX XXXX XXXX remove this from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2019 I discovered that XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that XXXX XXXX remove this from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2019 I discovered that XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX & Equifax remove this from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX or XX/XX/XXXX, Equifax has blocked all reporting of authorized user accounts to my credit report. They deleted 5 open accounts that were never late. Although I am not primary card holder on the accounts, i have spent the last 3 years working hard to pay all cards and accounts on time for my husband, kids and myself. All of our cards are family authorized cards that I pay the bills on, I manage every penny on each one. We made a goal to build our credit, to obtain a mortgage. This has been three years in the making. We are now going through the home loan process and they have deleted ALL of my positive credit. This is horrific and we could lose out on our home that we have made a priority goal for three years. We opt to use authorized cards because as a family of XXXX, will college kids, it would be hard for me to maintain the accounts for everyone if there were so many individuals floating out there. This has helped to keep our payments in order. I have sompoken with each creditors requesting the accounts be reinserted on my report, they each tried and have come back with equifax is blocking/suppressing the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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/2019 Equifax was mailed a certified letter stating that I wanted to exercise my consumer right under the Fair Credit Reporting Act 611 ( a ), enforce by the FTC, a dispute of the accuracy and completeness of the following creditor information that has been reported to you Equifax, and is currently contained in your credit file : being inaccurate, and harmful, impacting my credit score. I also requested that in any notice of results of investigation provided back to me under this dispute, that Equifax provide to me, under the statutory provisions of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), a full written " description of the procedure used to determine the accuracy and completeness of the information '' that I have provided. Within 30 days or after I have yet to receive investigative results from my request. Due to Equifax lack of providing a description of the procedure used to verify the accuracy I sent another request under FCRA 611 ( a ) ( 7 ) a 15 day response on XX/XX/2019 again Equifax has failed to provide me with a description of the procedure to verify the accuracy of my previous dispute. It is my belief that Equifax is in violation of FCRA ( a ) ( 7 ) and have been willfully non compliant and have surpassed the statute of limitation on their investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2019 I discovered that XXXX XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX XXXX & Equifax remove this from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2019 I discovered that XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX remove this from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: Selene Finance LP
State: NC

Complaint narrative:
This account was in bankruptcy until XX/XX/2018. Selene finance said that 3 payment were late not true and in XXXX of this years they said XXXX payment was late also not true. Need this investigation fone one this company bad business

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: World Acceptance Corporation
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX They are reporting the same account twice to each of the three credit bureaus making it look like I have more charged off accounts than I actually do. I've already attempted to dispute this and XXXX XXXX has yet to correct their reporting. I want this fixed on my XXXX, XXXX, and XXXX credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This account was in bankruptcy until XX/XX/2018. XXXX XXXX said that 3 payment were late not true and in XXXX of this years they said XXXX payment was late also not true. Need this investigation fone one this company bad business

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 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Original Creditor : XXXX XXXX Collection Agency : Credence Resource Manage Amount {$440.00} Claiming I Owe **** Unverified **** Date Disputed :XX/XX/2019 Disputed Charges & And Asked For VOD Validation Of Debt *** Not Validate *** Resolution : XX/XX/2019 Account Statues : Per XXXX   Account Information Disputed By Consumer Meets FCRA Requirements

Company response to consumer: Closed with explanation