vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
i submitted a police report and a FTC report to Equifax of identity theft back in XXXX and they haven't removed the account off of my credit report yet. Also they were suppose to update 2 late payments to paid by request of the creditor and they have yet done so the creditor requested for it to be changed back in XXXX and they have yet to update there system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My synchrony home credit card was closed due to no activity for 6 months. I never received any notice that the account was to be closed and planned on using it for a large purchase only to find the account was closed even though it had always been in good standing and paid off on time. The representative was rude and offered no advice or help to the situation.

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 2022-11-12 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 — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
My first attorney on XX/XX/2022 and again on XX/XX/2022 sent notifications to all three credit bureaus about Suntrust/Truist Bank . My latest attorney sent on XX/XX/2022 a follow up and demand to the bureaus and creditor with no reply at all. I'v called the creditor and get passed around trying to validate this account and do not have anything from them. My attorney feels this is infringing upon my rights and goes against FCRA. With no reply this must be removed off our report IMMEDIATELY before we have to take any further legal action. Please help us get a resolution.

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 2022-11-12 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I've recently viewed my credit file and noticed XXXX has inaccuracies and/or incomplete information, and accounts that is UN-Verified on my credit report. according to the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one each any or all the unproven, noncompliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely deleted.

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 2022-11-12 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: Voss & Klein, LLC
State: FL

Complaint narrative:
Voss & Klein , LLC ( a collection agency ) continues to report a debt that is not mine to the credit buro 's and is causing me serious damages. They are claiming that I owe them over {$1700.00}. I have disputed several times and communicated multiple requests for validation and disputed the report. They don't stop! I ask for proof of the account belonging to me and why they believe that and I have nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
This complaint is reference to Barclays Bank credit card services. I have no specific dates because there have been so many times I have called to try and fix this. I have been dealing with this for over a XXXX now. The amount fluctuates every month. Right now its XXXX. 
It started when I first received my credit card. Before I even used the card fraudulent charges started occurring right away. They would take the charges off but then it would happen again and again. So I made the decision to close my account. So assuming if I closed it no more charges would occur but they did. The fraud charges kept happening even with account closed. Then I started getting billing statements for the fraud charges. I call and they keep saying that its fixed yet I keep getting statements and it is also showing up on my credit report. I have trying to fix for XXXX and each time they say its fixed but clearly its not! I did try to dispute through all XXXX credit bureaus and they said its accurate but clearly that is not right! I did receive a letter from Barclays XX/XX/2022 stating they completed investigation and agreed to change and that it will be removed but they have not! This is my last resort and dont know what else I can do. This is affecting my 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 2022-11-12 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: TX

Complaint narrative:
I have disputed the following accounts with the Credit reporting agencies multiple times directly as well as through previous CFPB complaints! The CRAs continue to state the accounts are accurate without providing the procedure used to verify the accounts. I have also disputed directly with the furnishers of the information and have received correspondence from them that proves the information reflected in my consumer report is not 100 % accurate. In some instances the accounts are not reflected completely and is missing valuable information. All the CFPB does is forward the information this company is not performing a thorough investigation into the issues being provided by the consumers! The following accounts have been continuously reported inaccurately after being made aware of the errors! 
XXXX XXXX ( XXXX ) I will be attaching a copy of a letter sent to me from the creditor. Experian is reflecting XX/XX/XXXX as the open date, however the creditor clearly states XX/XX/XXXX was the open date. Experian also failed to input a closed date which is critical in verifying the accuracy of their data. 
XXXX  ( XXXX ) I will include a CFPB complaint response in which the company clearly states they will have the cras delete this account. 
XXXX XXXX ( XXXX ) I will be attaching a copy of a letter that was sent from the furnisher of this account that they obtained from the original creditor. Experian reflects XX/XX/XXXX as the date XXXX acquired this account ; the original creditor states XXXX acquired this account XX/XX/XXXX. 
XXXX ( XXXX ) This account is reflecting an incompletely. Experian has failed to input the date of closing for this account! How am I supposed to cross reference the accuracy of the information if the account is not 100 % complete? XXXX has made it clear the account was closed on XX/XX/XXXX however due to experian not inputting all the data for this account I would not have known it!

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 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
XXXX XXXX XXXX- {$2500.00} CXXXX XXXX XXXX - {$870.00} XXXX XXXX XXXXXXXX XXXX {$340.00} XXXX XXXX  - {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX- {$2500.00} XXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX XXXX- {$340.00} XXXX XXXX - {$160.00}

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 non-monetary relief
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to remove statements, fraud alerts and extended fraud alerts from all three of my credit bureaus and have been unsuccessful can you please get all of these removed

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 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX  # : XXXX, XXXX, Account Name XXXX XXXX XXXX XXXX # : XXXX, XXXX, Account Name : XXXX XXXX # : XXXX, XXXX, Account Name : XXXX XXXX XXXX : XXXX, Account Name : XXXX # : XXXX, Have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-12 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX  # : XXXX, XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX # : XXXX, XXXX, Account Name : XXXX XXXX # : XXXX, XXXX, Account Name : XXXX XXXX  # : XXXX, Account Name : XXXX # : XXXX, Have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to remove statements, fraud alerts and extended fraud alerts from all three of my credit bureaus and have been unsuccessful can you please get all of these removed

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 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to remove statements, fraud alerts and extended fraud alerts from all three of my credit bureaus and have been unsuccessful can you please get all of these removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: WI

Complaint narrative:
I have asked to be placed on there. Do not call list multiple times they call from different numbers every single day at least twice a day and I mean every single day I have asked so many times to be placed on a do not call list because they have the wrong number. Please have them stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
This is a copy of the letter I sent Chime. They denied my disputes three times and each time I had to continually ask for a reason for the denial. One time I was told because I was in the same city as the charges, which was not true. I am in Nevada and the charges were from California, and another time the reason was because the card was in my possession. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2022 Chime Bank XXXX XXXX XXXX XXXX XXXX, CA Dear Sirs : I am corresponding regarding my fraudulent activities claim. 
I have had several fraudulent transactions posted to my account, generated from XXXX, CA. I reside in XXXX XXXX NV and am elderly and on a fixed income ( social security ) therefore I do not travel. 
I immediately called Chime when these transactions appeared. In fact, while I was on the phone with a customer service representative two of the three charges appeared. I also spoke with a manager from the dispute department at Chime and after reviewing everything, her findings were that of the cloning of my account. I was assured that this issue would be resolved and my money would be returned to me. 
I have received notice that my fraudulent claim has been denied and no one can give me a reason as to why. I have requested to receive a written denial several times to no avail. 
The fraudulent transactions are as follows : XX/XX/2022 {$27.00} at XXXX XXXX XXXX XX/XX/2022 {$200.00} at XXXX XXXX XXXX XXXX XX/XX/2022 {$160.00} at XXXX I would appreciate some help in this matter because as I previously mentioned, I am on a fixed income and am in need of the return of this money. I was in XXXX XXXX NV when these charges occurred. I was also on the phone with your representative when two of the charges went through. 
I trust that someone will get back to me in this regard as soon as possible. Please feel free to contact me at any time if more information is needed. 
Thank you for your time. I look forward to hearing from you. 
XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have had a collections on my credit report for years from XXXX XXXX XXXX for {$150.00} Ive never owed the amount, Ive disputed with TransUnion multiple times, reached out to XXXX services dozens of times. Ive shown proof from original creditor which was XXXXXXXX XXXX XXXXXXXX that I do not owe {$150.00}. This nightmare continues and has adversely affected my credit score. I received email from XXXX services on XXXX XXXX after another dispute that the company can find no record of said amount being owed and that XXXX services requested TransUnion to remove said amount from my report. To this date TransUnion still has not removed the collections account. I contacted TransUnion again on XX/XX/2022 and explained the problem and I got another XXXX employee who told me I needed to file another dispute. I told her Ive already filed multiple disputes.The incompetence of TransUnion is appalling and the fact that they are a credit monitoring company is frightening. I have no doubt millions of people have incorrect information on their credit report because of this company.

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 2022-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I am XXXX XXXXXXXX XXXX and discovered XXXX companies are supposed to waive the annual fee. I have tried to resolve my issues with Chase for nearly a year and keep getting the run around. On XX/XX/2022 I was told by my fellow XXXX XXXX members that XXXX XXXX military member I should not be charged their XXXX annual fee. I showed them my XXXX proof of service, etc. They stated they did not have to give me a refund for the YEARS of charging me the XXXX annual fee when they shouldn't have. I am due nearly XXXX in fees that Chase REFUSES to refund! They keep giving me the run around, transferring me to their " military department '' which doesn't do anything except delay. Obviously, all banks are greedy, but this bank might take the cake. The ONLY correct resolution is refunding me the erroneous charges which they refuse to do. For other XXXX XXXX members, I highly recommend going to XXXX or other companies that actually take care of us and fix our issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
Halstead Financial Services XXXX ( XXXX ) XXXX XXXX, Ohio keep calling me regarding trying to collect something. Have no idea who they are. I do not owe anyone anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is reporting inaccurate information I have submitted the correct information, but the continue to report what they want instead of what i sent them about me. 

addresses phone numbers names jobs

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