vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 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: FL

Complaint narrative:
EQUIFAX by way of their own admission has falsified information they provided to the CFPB ( see attached documents ). EQUIFAX still continues to violate my rights under the FCRA Section 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ). EQUIFAX has had 2 opportunities to conduct an investigation into the account list below, since more that 30 days have past and EQUIFAX DID NOT RESPOND within the time allowed by Federal law. However EQUIFAX still continues to report this UNVERIFIED account to my credit file. On XX/XX/2022 EQUIFAX responded to my CFPB complaint and stated XXXX XXXX is not currently reporting to my credit file this is a FALSE and misleading statement they made in response to my complaint, this response is nothing but an attempt to close my CFPB complaint, and still continue to violate Federal law. 
Account Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Information on my credit report I incorrect. My name and address is incorrect. 

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Delaware XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Information on my credit report I incorrect. My name and address is incorrect. 

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Delaware XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: Synovus Bank
State: KY

Complaint narrative:
XXXXXXXX XXXX is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i tried to open a bank account, and i tried to open an investment account with Chase Bank. Chase informed me that it would not open my account because i owed Chase money. However, i do not owe Chase money. I went in to the branch, and i also sent correspondence to Chase asking for documentation and evidence of this phantom debt. Chase refused to provide this, and Chase also refused to lift the restriction for my opening accounts. 

the Chase Private Client Banker who is my contact at Chase is XXXX XXXX, who works at the XXXX branch of Chase in XXXX XXXX, Florida. She was very rude and condescending and yelled at me, saying she refused to help me, and that she passed off my issue to her branch manager, who did not try to assist me either. i asked her if my money is at risk with Chase, she would not answer this question or my other questions. 

One other thing is that Chase opened and closed a secure banking account in my name without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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 have been trying to get a credit report for the last few years from Transunion and I get the same run around every time. 
Annualcreditreport.transunion.com tells me " We are unable to complete your request online '' OR " We are experiencing technical difficulties '' and then they proceed to tell me to call their number. 
So I go directly to Transunion website and sign up for an account with all my credentials after entering the site there is no info at all about my credit history on their site. So I try calling their number to request credit reports, they ask for my name, Say your name then spell your name so I do clearly, " My name is XXXX XXXX, XXXX XXXX '' Letters show up at my house with inaccurate names on the letter. Addressed me as XXXX XXXX and XXXX XXXX. 
So I call their offices and explain the problem, they tell me they will investigate the problem and someone will call in the next few days with an answer, No one ever called me nor emailed me. 
So I go back to Transunion website, when I go to login to the site it now tells me " Invalid Credentials : Please Try Again ''. How are they invalid? I just signed up and wrote down my information. 
So I try the " Forgot your Login Information '' and the site just blinks and wipes out the information I just typed in. 
I get this every time I try to get a credit report from Transunion. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21 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: KY

Complaint narrative:
XXXXXXXX XXXX  is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.

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 2022-05-21 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX  is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.

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 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/2022, I purchased an item from a seller on XXXX. On XX/XX/XXXX, It was delivered to my address. I took the item to the XXXX. The XXXX  notified me that the item did not fit my vehicle. I then contacted the seller on XXXX. The seller on XXXX initially was not responding to me. I then requested from XXXX to send me a return shipping label. The label sent to me via email was incorrect. I then purchased my own shipping label from XXXX. The seller on XXXX signed for the package in agreement that he received the item back. I filed a dispute with my bank for merchandise returned. My claim was denied over 10 times. Ive sent in receipts, invoices, tracking numbers and messages and my claim remains denied. I have since then tried to contact XXXX for a refund. They denied my refund as well due to their policy of opening a claim outside of XXXX. Chime has denied my claim several times. My bank stated that they needed an order number. That order number was provided to them and my claim remained denied. I found the sellers personal information online and contacted him. He agreed to do a refund but XXXX is preventing him from doing such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Cpaital one account was charged off greater than 6 years ago and continues to report monthly. Limits within my state is 5 years, will not take off credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CMG Financial Services, Inc.
State: AL

Complaint narrative:
Case XXXX ( re : CMG loan XXXX ) closed because the company provided an explanation. However, they still have not explained why interest continued to be calculated during the period of covid relief. The junior lien paid to HUD and the payoff to CMG was over XXXX, {$12000.00} more than my original loan. I had XXXX late payments and was assured that using the covid relief would not harm me in any way when I agreed to the program. Here is an excerpt of the company 's response to my original claim : " The first payment was for {$8000.00}, this covered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX installments. 
x The second payment was for {$6900.00}, this covered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX installments. 
x The third payment was for {$2700.00}, this covered XX/XX/XXXX and XX/XX/XXXX installments. In addition, there was a contractual payment in the amount of {$1300.00} in the non-interest bearing ( suspense account ) that applied for the XX/XX/XXXX installment. On XX/XX/XXXX, the principal balance was {$170000.00}. '' Please reopen my complaint and insist upon a full explanation of their interest accrual process - my original loan was for XXXX ( Loan No. : XXXX Original Loan Date : XXXX Original Loan Amount : {$180000.00} Loan Type : FHA FHA/VA/MI No XXXX : XXXX Investor No. XXXX XXXX XXXX ) but my payoff when we sold the home, was XXXX to CMG and XXXX to HUD XXXX over XXXX! They could not have followed the correct terms for interest accrual if in fact, they were truthful when they offered the covid relief program. 
Thank you so much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1666b - Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: UPGRADE, INC.
State: OH

Complaint narrative:
In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1666b - Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: KY

Complaint narrative:
XXXX XXXX account was charged off greater than 6 years ago and continues to report monthly. Limits within my state is 5 years, will not take off credit.

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 2022-05-21 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX account was charged off greater than 6 years ago and continues to report monthly. Limits within my state is 5 years, will not take off credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX account was charged off greater than 6 years ago and continues to report monthly. Limits within my state is 5 years, will not take off credit.

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 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Fidelity National Information Services, Inc. (FNIS)
State: DC

Complaint narrative:
Chexsystem reporting incorrect information about me, however, who gave this company permission to have my information. The information is misleading and incorrect there are items are on there that were included in bankruptcy, and is prohibit me from opening an accounts. I would like for this information to remove asap.

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 2022-05-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX / CBNA, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2022-05-21 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: DISCOVER BANK
State: PA

Complaint narrative:
XXXX XXXX has been reporting a late payment on my consumer file with XXXX. XXXX and XXXX XXXX XXXX is reporting a late payment every month since XXXX XXXX and. XX/XX/2022 on a closed account which is in violation of my consumer right 15 USC 1681 ( c ) no adverse action shall not be reported 15 USC. 1681 ( s ) 2 Responsibility of Furnishers has violated my right to accurate information 15 USC 1681 ( I ) a 2 how promptness in how notifications should be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: VA

Complaint narrative:
Chime ( XXXX XXXX XXXX  ) Denied my dispute charges for fraud even though I called several times between XX/XX/2022 and XX/XX/2022 to let them know there had been fraudulent charges. I had to verify my identity multiple times and asked them to suspend my account so those people could stop making charges until the security was changed. Chime reopened my account without telling me while I was at work and those people once again got into my account due to their negligence. They made purchases in another state I dont live in. 
XXXX {$50.00} {$260.00} $ These people cleaned my accounts out and chime refuses to give me my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: TN

Complaint narrative:
I was alerted by XXXX of new activity on my credit report. upon reviewing this alert I learned a collection was placed on my account by prince parker and associates. I looked into it some more and its from XXXX. I called XXXX  who can not find this account which I did not open. after a hour on the phone they were never able to locate account just the account I have with att that's in good standing for 4 years. I have been a victim of identity theft before and I have a fraud alert on my credit file I did not open this account or give permission for it to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following account has violated my rights. 

Account Name Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-05-21 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX / XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2022-05-21 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : Upon inspection of my credit report I noticed the following personal information is incorrect : My full name is : XXXX XXXX There should be no other name listed please remove any other that remain My current address is : XXXX XXXX XXXX XXXX Pa XXXX There should be no other address listed please remove any other that remaim XXXX XXXX XXXX : XXXX XXXX XXXX My phone is number : XXXX Please update your records properly Regards XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21 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: PA

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. 
I feel like I am being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. 
it has been over 60 days so they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you cause me. 
my information was also impacted by the Equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation