vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OBTAINED BY AN INDIVIDUAL WHO WAS ABLE TO GAIN ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION IS BEYOND MY CONTROL. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: DC

Complaint narrative:
I have filed a fraud complaint with Macys store card team and they sent me an email as a receipt as attached saying " Thank you for your recent inquiry regarding your account ending in XXXX. Please click here, print and complete the attached form and return it to us with a copy of one form of identification that includes your signature, ( i.e. Driver 's License, work ID, etc. ) to the address or fax number listed below. '' but the email has no attachments and the link in the email takes me to a page " Permission Denied You do not have permission to access this document. '' Maycs fraud team is coercing me to pay for charges on my account but not following process of my submission of the claim. This is violation of my rights to dispute charges on my card. Macys is using " no documention '' provided as an excuse to not help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-07-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I noticed an account placed on my credit by this company. How do you want me to pay a debt but have yet to verify who or what you are? Furthermore, if the company as yet to validate the debt it is not fair practice to keep placing this on my credit! Collecting on a debt but refusing to send proper validation! Unbelievable!

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 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2020 at XXXX, loan amount changed from {$200000.00} to {$190000.00}. Discount points were increased from 1.155 % to 1.655 % an increase of .500 %. Closing was scheduled for XX/XX/2020 at XXXX. 
We were never informed of the changes. 
Chase exception department decided the changes and timing of the changes were because our Cash to Buyer at closing was too high. There is a limit of less than {$2000.00}. When the loan amount changed to {$190000.00} the threshold for points was higher so they added the .500 %. 
Our contention is we didnt request the loan amount when applying for the loan. The amount was decided by Chase. 
Changing the loan amount wasnt a problem for us but the addition {$980.00} in closing costs, and doing so without warning was grievous. 
We did close XX/XX/2020 after going back and forth with Chase. The decision to continue with the closing was difficult but we had worked for over a month to get this refinanced closed and were worried about interest rates. 
XX/XX/2020 we emailed a package to Chase escalation department outlining our complaint. They denied our complaint. Escalation ECW XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mines. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments ( inconsistent ) on the dates below : 30 days late starting XX/XX/XXXX ( all 3 bureaus ) 60 days late as of XX/XX/XXXX ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me. My payments are on autopay, so this makes me even more confused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I placed an order from XXXX XXXX  for {$56.00} on XXXX. I theirs to cancel the order several times with emails and received a message there was no order for me under that number or email address. Citcards reaches out to the merchant received no shipping information and only a letter stating an item was shipped and they decided this was enough. I have not received anything and I am disputing this as a fraudulent transaction since I have received nothing from the seller.

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 2020-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXXDispute XXXX/XXXXDispute  XXXX   XXXXDispute OFFICE OF THE ATTY GENERDispute OFFICE OF THE ATTY GENERDispute XXXX XXXXDispute all ftc violations sent and filed

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 2020-07-02 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: TX

Complaint narrative:
show tooltip button  XXXX XXXX XXXX XXXXDispute XXXX XXXX, XXXXDispute XXXX/XXXXDispute XXXX   XXXXDispute OFFICE OF THE ATTY GENERDispute OFFICE OF THE ATTY GENERDispute XXXX XXXXDispute all ftc violations sent and filed

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 2020-07-02 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: CA

Complaint narrative:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and ID card for reference. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I have tried contacting GM Financial several times in order to have this debt validated which I have yet to receive anything and also removed from my credit report and it is still being reported. I have sent several certified mailings to the company on several occasions XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I still have not received anything. At this point it has gotten a little ridiculous because this debt dates back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: TX

Complaint narrative:
show tooltip button XXXX XXXX XXXX XXXXDispute XXXX XXXX, XXXX.Dispute XXXXDispute XXXX   XXXXDispute OFFICE OF THE ATTY GENERDispute OFFICE OF THE ATTY GENERDispute XXXX XXXXDispute all ftc violations sent and filed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NC

Complaint narrative:
TransUnion Illegally Removed My Positive Account XXXX  # XXXX from my credit report they claim I said the card was not mine which is a 100 % Lie I dont have any issues with the XXXX  or XXXX reporting my account every month. 


I spoke with XXXX  XXXX  XXXX  Who handles the account and was informed they send updated account information every 3rd of the month And TransUnion is Blocking the account they have Tried numerous times to get my account reinstated with TransUnion and they have yet to do so. 

This is causing me financial harm by it not reporting to my TransUnion account my credit score is not being adjusted properly. 

I have had this account for 4 years with no issues TransUnion needs to fix this.

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 2020-07-02 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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Company  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: TX

Complaint narrative:
XXXX ONEDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX  XXXXDispute XXXX  XXXX   XXXX, XXXXDispute XXXX  XXXX XXXXDispute XXXX   XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXXDispute all file to the ftc violations that occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have some collections on my report from Portfolio Recovery. I sent them a validation of debt letter because this is something I need to be verified as the amounts do not sound correct. All they sent me was a credit card statement from the original creditor. As I am looking over the statements the amounts that they are saying I owe on my report are not accurate compared to the statements they have mailed to me. I disputed with all 3 bureaus I did do this online without knowing I should do this with a mailed letter. I asked the bureaus to do an independent investigation rather than taking their word for it. The bureaus did just that and took their word. I am trying to buy a home and this is damaging my credit report. I understand the collection agencies are to report information exactly how the original creditor provides to them. Not add a few cents on the dollar to collect from me. The bureaus claim its accurate and said it is updated when in fact it is not updated. The same info appears and all they did was update the Date of last activity on 2 of the 3 bureaus. I am asking this to be investigated thoroughly since the bureaus wont do it. I want this information deleted from my reports because the info they are provided is not true and accurate. Reporting past due balances on some of the collection accounts the account is past due by default. Reporting payment history after the close date. These are all things that should not be happening. I can not get the bureaus to do a thorough investigation so I am asking you to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$3400.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report ; a copy of the settlement letter, along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was settled and needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
For match 2020 until the current day, I've been trying to apply for a mortgage. Equifax has given me the run around. Fake promises and lying

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This is the third time I've had an issue with applying for bank account or credit card ( over a 10 year period ). Nearly 10 years ago we had major problems filing with XXXX XXXX for both our Bank Account and our Credit card. This year we moved to a regional XXXX   XXXX and we experienced problems with setting up the bank account. On Friday XX/XX/XXXX we went to the bank to get a credit card. We had all of our paperwork in order. We provided the Denominations letter of 501c3 status from the IRS. We had our subordinates letter from the XXXX XXXX XXXX. We were told this was not the proper information - but it is. I checked with other pastors - this is a routine problem. Either is is a form of systemic anti church bias or it is a systemic lack of training across many banks and credit institutions. I discussed this with my sister who is a Bank Trainer. She compared our treatment to a local Girl Scout troop. A church is not a girl scout troop. My 173 year old congregation should not be put through this kind of challenge every time we try to institute a banking relationship. We have outlasted 4 banks in our lifetime we have only changed banks this one time due to dissatisfaction with the bank. I talked to our denominational leaders and they also have had trouble trying to resolve this issue. Lastly I called the IRS and nobody answered my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OBTAINED BY AN INDIVIDUAL WHO WAS ABLE TO GAIN ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION IS BEYOND MY CONTROL. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-02 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OBTAINED BY AN INDIVIDUAL WHO WAS ABLE TO GAIN ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION IS BEYOND MY CONTROL. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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