vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 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: NV

Complaint narrative:
experian has not updated my XXXX acctXXXX is a XXXX balnce and is closed out.im want this update to the correct status immediately

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 2020-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors
State: CA

Complaint narrative:
National Business Factor is reporting a medical collection to my credit report at all 3 credit bureaus. 
I have no idea what this collection is for, and I'm positive it doesn't belong to me. 
I wrote National Business Factor demanding some sort of proof but they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I noticed a credit limit change on a XXXX card runy by Synchrony Bank this is the secnd complaint against this bank as they control multiple companies, I contacted the bank thru XXXX and they insisted a letter was being sent even though they didnt have my information. I asked for a call and later received one from XXXX and we talked for several min he stated he was unable to see why my limit was lowered and mantioned calling me back. he later called back and said that no letter was sent and it was lowered because of lack of use I asked about getting my limit returned and he said he could transfer me, the young lady went over a few things and i then asked her, so your going to run a credit check and see that your own company lowered my credit limit thus lowering my dredit rating, is that correct, she replied maybe, i asked then so the actions your company took then lowered my credit rating by XXXX points and i feel it shoule be fixed, she asked if i wanted to run a credit increase, I SAID NO> asked for her number and said i would call back, on XXXX i received a letter that they denied a INCREASE I NEVER ASKED FOR! this company is manipulating the credit market and should be penalized.

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 2020-11-12 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: OH

Complaint narrative:
I have gone over my file and I noticed that there were a few errors in file. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My SS XXXX DOB XXXX. Please delete/remove any other address from my file. The following addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX APTD XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I have an unverified account from XXXX XXXX Account # XXXX. Please tell this company to cease and desist all contact with me until I see the documents or some type of contracts and negotiable instrument.

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 2020-11-12 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I Called XXXX, and XXXX  to ask them about so inquires that i do not recognize on my credit report. i was informed on how to go about correcting these errors, i was told to contact the creditors who are reporting the inquires. i am diligently working on improving credit. 

I only have 3 primary cards that i have applied for and all of the other cards are authorized user accounts i have a total of 10 inquires on my XXXX report & 7 on XXXX and 5 on XXXX. 

a total of 3 inquires should show on my credit report across all 3 credit reporting agencies. 

i am exercising my rights to have all inaccurate information removed and deleted from my credit reports. i will be attaching a dispute letter with this complaint to show the inquires im referring to also. 

XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX Bank Equifax XXXX XXXX Bank XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX Experian XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CAP XXXX XXXX Bank XXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX F Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : 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 2020-11-12 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: FL

Complaint narrative:
I sent Experian my dispute with report number XXXX on XX/XX/2020which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth? 

If this information can not be provided I request this accounts to be removed from my report due to my original dispute of inaccuracies reported on the accounts mentioned in this 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 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have received calls from these folks for 2 years I have blocked and ignored reported to the company they have the wrong number however they continue to call me. There has to be a stopping point even if I did had a debt what company calls a person everyday 3 to 4 times a day for 2 years? When this company calls they are leaving a message for a XXXX. That's not me I have explained that.

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 2020-11-12 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a legal document in the regular mail that was a Second Notice to Defendant with XXXX XXXX XXXX XXXX, now signed by attorneys for XXXX XXXX XXXX. Stating the Court issued a Continuing Writ of Garnishment on my employer. I have never received anything about this case until now ever! I looked up local court records under my name and apparently there was a default judgment issued against me and for Asset Acceptance LLC on XX/XX/2010! This has never even been on my credit report! I have no knowledge of this matter at all or what it was for. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: TN

Complaint narrative:
TRANSUNION dropped my score XXXX points on XX/XX/XXXX from XXXX. I am a nurse and I watch my scores everyday. I have had perfect payments for two years. I needed a loan from the pandemic and this drop stopped me from getting a needed loan. The drop in score of XXXX points HAD NO ACCOUNT ATTACHED TO IT AS ALL ACCOUNTS WERE PERFECT FIR LAST TWO YEARS. I CALLED TRANSUNION AND SPOKE WITH XXXX A SUPERVISOR ON XX/XX/XXXX XXXX and requested he tell me which account the drop was attached to so I could dispute it. He said hire a credit counselor after he said there was nothing to support a drop. I CAN NOT DISPUTE A XXXX POINT DROP NOT ATTACHED TO ACCOUNT!!! I SHOULD BE ABLE TO KNOW OR IT SHOULD BE OBVIOUS - I NEED THIS CORRECTED AT LEAST TO KNOW WHAT ACCOUNT CAUSED SCORE OR I CAN NOT FIX THIS EGREGIOUS ERROR!! Please HELP!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
If I could give 0 stars I would. I have spent hours after hours on the phone with chase customer service. Back in XXXX of this year I had my XXXX XXXX account hacked and someone proceeded to get an XXXX XXXX for a little over {$5000.00}!!!! Who would even spend money like that on a hotel??? Anyways I had read about other peoples experience with them getting they XXXX XXXX account hacked and they said what happens is they hack someones account and proceed to " book '' an XXXX XXXX but the place they book it with is their own so the money ends up getting sent to them. It has happened to thousands of people. Of course as soon as I saw that charge I called chase and had them shut off my card, they then said they would investigate and for me to also contact XXXX XXXX. I contacted XXXX XXXX and they said since it was fraud my bank would be the ones who would need to investigate and take care of the issue. Well a couple of days later I get a letter in the mail stating the purchase was correct and they wont be getting me my money back. I then called chase right away just to talk to several people who said they would re open the case. Well a couple of days later I try and use my chase card and it declines, CHASE CLOSED MY ACCOUNT. Im guessing they did this so they wouldn't have to give me my money back and just stop the investigation???? LIKE WHAT THE HECK??? I contacted my local police department and they took my written statement but said it would all end up on what my bank could do. Well considering they closed my account, wont return emails and anytime I call I get hung up on or told nothing. It has 8 months and I still haven't got a reasoning or explanation and 0 money back. I thought when you have a chase account you're protected from these things? GUESS NOT!! DO NOT BANK WITH CHASE. I have spoke with my lawyer and it to the point he's about to have to contact chase in order for something to be done about this. I have never had so many issues with a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have send in the information to XXXX  and Comenity Bank about several credit cards that was on my credit due to Indenitity theft. I send in the copy of the police report and the FTC indetity theft report. XXXX and XXXX XXXX has removed the items off my credit report but XXXX and the bank is still sending me the bill to pay I have been trying to get this resloved it has been going on two years and I do not know what to do next This date back to XXXX and the total amount is over {$2000.00} ( which is four credit cards I have not had in my possession at all. One of the cards was removed but the other three are still listed and I am still getting bills from the bank and on the credit report all four came from the same bank, Do not understand how you delete one and not send me the bill for it but still send the bills for the other three all of them was opended around the same time along with several other cards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 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: Chime Financial Inc
State: NV

Complaint narrative:
XX/XX/2020 @ XXXX ct, I noticed an email stating I made a transaction of {$2000.00} to an unknown person named XXXX XXXX through my Chime Account @ XXXX ct. The money was taken from my savings, to my checking, then transferred my {$2000.00} into their account. I dont know a XXXX XXXX, nor did I make any transactions. I couldnt log into my account easily either, I had to re-enter my email & password 3 times instead of my 4 digit pin. I called Chime and told them, I asked them to place a hold on the account for stealing {$2000.00} from me without me knowing. They told me to change my password, lock my card, & file a dispute but wouldnt temporarily place a hold on the thefts account. I filed the dispute but cant wait 2 weeks for a decision when it can be settled in mins. All Chime has to do is place a hold on this XXXX XXXX XXXX XXXX account, investigate the theft, but they choose not too. It feels like my account was hacked or an inside job too be honest!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: FL

Complaint narrative:
I disputed inaccurate on my credit report advising the bureau to validate the accounts if they were unable to validate then remove them off my report. The letter was sent over 30 days ago and I have not received a response. 

The inaccurate accounts XXXX XXXX UNIVERSITY 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 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent Outsourcing a debt collection agency has an unknown debt on my credit report. I have written multiple 609 letters and debt validation letters asking them to validate this debt to me by showing the proper proof this is my debt or remove it from my credit report. They have failed to provide any documentation and I have no knowledge of this debt. Nor have I given my personal identification to this company or the creditor they are representing. Also this same debt is being reported on my credit reports twice. Please have this debt removed from my credit reports as per consumer law they have not legally validated this debt and are inaccurately reporting to my credit reports.

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 2020-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had my BBVA CARD ONLINE BANK LOCKED ALL BECAUSE THEY SAY I SENT A CHECK SO I TRIED TO DO A FRAUD ALERT TO THE FRAUD DEPARTMENT AND ALL THE CUSTOMER SERVICE REP.THAT HELP ME DIDNT WANT ME TO EXPLAINLIKE SHE KNEW MY SOTUATION AND I GOT UPSET AND I HUNG UP THE PHONE SO NOW I CANT GET ANY FUNDS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I have an old credit card account with XXXX XXXX from XXXX. In XXXX filed ChapterXXXX bankruptcy. XXXX XXXX was listed as one of my creditors set to appear at the Bankruptcy " 341 meeting '' in XX/XX/XXXX. XXXX XXXX never showed up for the meeting. I was reviewing my credit reports and notice that they are trying to collect on that old balance. I have asked the credit bureaus to list the account under bankruptcy which they did, yet speaking with my attorney since they received notice to attend the Bankruptcy " 341 meeting '' in XX/XX/XXXX, and they did not respond they foregone their right to collect on this debt and it must be removed from all my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BlueChip Financial
State: IN

Complaint narrative:
Need address and phone number updated please. 

Address XXXX XXXX XXXX XXXX XXXX, Indiana XXXX Phone number XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CITIBANK, N.A.
State: DC

Complaint narrative:
I have the CITI credit card which my limit was only {$2000.00}. Yes I kept a high balance on the card but I decide to pay it off in XX/XX/2020 and when I did CITI decreased my credit limit, I have not once been late on any of my payment it would have been nice for them to increase my limit to {$10000.00} and not decreased to {$500.00} which now have hurt my credit score. I am very disappointed with CITI on how wrongfully that have treated 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 2020-11-12 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: FL

Complaint narrative:
I have sent Experian many disputes and have included MY DRIVER LICENSE and copy of MY SOCIAL SECURITY CARD several times to validate my identity. Yet Experian is saying that It is not me who is disputing these accounts affecting my credit. Do they need a DNA test to proof its me? In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. If the information requested can not be verified, remove this accounts from my report immediately.

1- XXXX XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX 2- XXXX XXXX - Reported XX/XX/XXXX 3- XXXX XXXX XXXX  XXXX Reported XX/XX/XXXX 4- XXXX XXXX  XXXX - Reported XX/XX/XXXX 5- XXXX XXXX - Reported XX/XX/XXXX XXXX- US Dept of Edu - Reported XX/XX/XXXX 7- XXXX/XXXX- Reported XX/XX/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 2020-11-12 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I Contacted Comentiy XXXX XXXX on several occasions regarding an account that had went delinquent XX/XX/2020. I explained to XXXX XXXX why my payment was late. The last time was by mail I explained that I had to do an emergency move from my apartment due to high levels of mold inside and outside of the unit and had to stay in hotel for a month. XXXX XXXX rejected me and I never had an late payment prior to XX/XX/2020. I asked them to take in consideration that we were going through the pandemic on top of me having to find housing fast. Im still out of a place to stay because of the negative inquiry on my credit report. All payments are current at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: CA

Complaint narrative:
XX/XX/2020 I purchased a NetSpend prepaid credit card and I added {$200.00}. I then tried to register the card, to use it, but I was not unable to, I was transferred to a representative, and was told they would not allow me access to use Netspend and my money would not be available to use on the prepaid card ... and further, the representative on the phone told me that I would received a {$200.00} check in the mail, sent to my home, I never received a check and never was not allowed access to my personal property, my {$200.00} ; and further NetSpend phone representative would not disclose the reason for their decision to access my money on the prepaid NetSpend card. 

6 Weeks later, XXXX again for the return of my {$200.00}, when I asked to speak to a supervisor I was put on hold for an hour and 10 minutes during the transfer.

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