vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 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: IL

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Coastal Capital Processing, LLC
State: MA

Complaint narrative:
I file a dispute with XXXX, XXXX  and XXXX  and its has been well over 30 days and I havent receive any investigation results.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-25 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Sun trust bank credit card is showing account open until of XX/XX/XXXX, and the last payment was made in XX/XX/XXXX because when I went into bank in XXXX to try and make a payment they wanted a {$980.00} minimum payment to make it current, so no payment was made on this account since XX/XX/XXXX or before, this account is 7 years and 3 months since any activity and I would like this removed off of my credit 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 2021-06-25 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX SS # XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : I recently pulled a copy of my credit reports and noticed the following creditors and information are in errors : Inquires the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 
Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : ONEMAIN Date : XX/XX/XXXX Creditor : ONEMAIN Date : XX/XX/XXXX Creditor : XXXX  XXXX  Please remove these inquiries from my credit report accordingly. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: UPGRADE, INC.
State: CA

Complaint narrative:
I opened a credit card with the company Upgrade ( upgrade.com ), and found out that they opened an account without my permission with XXXX XXXX XXXX XXXX in XXXX California I've called XXXX XXXX XXXX XXXX and they have told me twice that I can't close the account without Upgrade letting me know that credit card is closed. 

I've attempted to contact Upgrade multiple times and finally got through to a representative who said he was closing my account yesterday XX/XX/21. Today ( XX/XX/21 ) I received an email that said the account is still open but because of my credit I can't use it. 

I do not see how it is legal to open an account at a credit union using my personal financial information without my permission. Both Upgrade and XXXX XXXX will not close my accounts, after I have asked both of them to do so. 

I would like both the XXXX XXXX and Upgrade account closed. I do not trust Upgrade after they provided my financial information to a credit union without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Delivery Financial Services, LLC
State: AZ

Complaint narrative:
I received a bill nearly 7 years ago for medical debt they couldnt prove I owed, sold to a collections agency and damaged my credit. Then this month put it back on my credit and further damaged my credit score. 
They have never provided proof they own the debt, or that I actually owe this debt. The company was Delivery Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
on XX/XX/21 i file a Apply for XXXX credit card so i can get discount on buying something ..it wasn't in till i fill out all questions and and 2 days before i had unlocked my 3 credit union accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and send App in online for credit check that when i found out that XXXX Mask who XXXX was Apply too i just fill out was Chase Bank XXXX XXXX i call up and try fix any question they had about App and they claim they can't conform my phone number with XXXX  that who they take credit scores from. 
So i call XXXX  over phone She said that was total Lie because got all info was giving to them and bank have ways get that info .. they lied about credit check and calling my phone number, Chase bank they like had all 3 credit unions have ALL my info even my phone work .money saving and checking accounts ..sound like people working from home screw up. and Not own up to it .its XX/XX/21 i still have Not got letter from Chase bank why did this, or follow throw, or XXXX didn't inform me before i applied and removing a review and wouldn't re-post warning others online I LOST XXXX POINTS ON MY CREDIT SCORE because these morons games and someone going pay 1 Masking who applying to ,2, never giving a right fair credit 3 informing wrong info to credit unions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
American Express shows that my account was closed on XX/XX/XXXX, and there wasnt a payment made on this account since XX/XX/XXXX, this needs to come off my credit report since its been 7 years and 3 months now, you can reach me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I SOLD MY XXXX XXXX XXXX XXXX XXXX COMPANY CALLED XXXX. XXXX  CONTACT WELLS FARGO TO ADVISED THEM, THE VEHCILE WAS PURCHASED FROM ME ANDT HEY REQUESTED THE PAYOFF AMOUNT. FULL PAYMNET WAS ISSUED TO WELLS FARGO ON THE XX/XX/XXXX. I ALSO PAID MY REGULAR PAYMENT ON XX/XX/XXXX BECAUSE THE FINAL CHECK FROM XXXX XXXX  HAD NO YET CELARED. IMADE APAYMENT OF XXXX, WHICH ONCE THEFULL PAYMENT HS CLEAR FROM XXXX, I WOULD BE OWED A REFUND OF THE OVER PAYMENT. THE CHECK FROM XXXX, CLEARED ON XX/XX/XXXX. WHEN I CALLED WELLS FARGO, I WAS TOLD THAT THEY WOULDNT ISSUEMY REFUND UNTIL WELL FARGO HAD RELEAED THE TITLE TO THE NEW OWNER, WHICH HAS ABSOLUTLY NOTHING TO DO WITH ME. WELLS FARGO INTENTINALLY HELD ON TO MY REFUND EVEN THOUGH THEY HAD FULL PAYMENT AND THE ACCOUNT CLOSED. I CALELD ON SATURDAY XX/XX/XXXX AND WAS TOLD THEY DIDINT KNOW WHERE OR IF I WAS GETTING A REFUND FOR MY OVERPAYMNET. THHATS WHEN MY ISSUED WAS ESCALTED TO THE EXECUTIVE OFFICE. XXXX XXXX. WAS ASSIGNED TO MY ISSUE. SHE CALLED ON XX/XX/XXXX TO INTRODUCE HERSELF AND SAID SHE WOULD LOOK INTOMY ISSUE. A FEW LATER SHE CALLED BACK AND ADVISED THAT HE REFUND PAYMENT WAS SENT BACK TO MY BACK ON XX/XX/XXXX. I SAID THATS IMPOSSIBLE CAUSE ON SATURDAY XX/XX/XXXX THE RESP RESENTIAVES WASNT EVEN SURE WHERE MY REFUND WAS. SO I TOLD HER OK, I GIVE IT TO FRIDAY XXXX/XXXX/XXXX. I CHECKED MY ACCOUNT WITH XXXX XXXX AND THEY ADVISED THEY DO NOT HAVE ANY PENDING PAYMNET FROM WELLS FARGO AND IT SHOULDNT TAKE MYRE THAN 2 OR 3 DAYS TO RECV A REFUNDED PAYMNET. I CALLED WELLS FARGO BACK, THEY ARE GIVEING ME THE RUNNING AROUNDTELLING ME TO CALL MY BANK AFTER I HAVE ALREADY CALLED THEM. NO WONDER WELLS FARGO HAS USCH A SORRY REP, BECASUE THEY TRY ANDGET OVER ON CUSTOMERS AND THEY WELL DOCUMENTED. I WANT MY XXXX BACK NOW!!

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 2021-06-25 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: NC

Complaint narrative:
it's been well over 30 days since my letters and dispute that I send in. I have not hear from anyone about the investigation about the incorrect information on my credit report Yes I send it to all three credit 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 explanation
Consumer complaint received 2021-06-25 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: LA

Complaint narrative:
I XXXX XXXX XXXX the natural person have had my rights violated.Pursuant to 15 USC 1681c-2 ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.Equifax has been given its due process of 4 days to remove these fraudulent accounts from my consumer report.Law is Law there is no substitute for it. I need these accounts removed IMMEDIATELY as they have tarnished my reputation as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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:
Ive sent numerous 605b and FTC reports to XXXX  Equifax and XXXX. All 3 companies have ignored my letters. I also requested updated credit report be sent via us mail. Upon checking my credit in mid XX/XX/2021. I discovered Fraudulent Accounts on my report. 
The following fraudulent accounts are 1XXXX XXXX {$500.00} Ive never done business with this company or entered into a signed contract with this company. This is a fraudulent account 2. XXXX, XXXX XXXX XXXX XXXX {$270.00} Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent!! 
3. XXXX XXXX XXXX is also a fraudulent account! 

XXXX XXXX ( isnt my name ) Ive never used it that way please see ftc report/ 605b all attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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:
Ive sent numerous 605b and FTC reports to XXXX  XXXX  and Experian. All 3 companies have ignored my letters. I also requested updated credit report be sent via us mail. Upon checking my credit in mid XX/XX/2021. I discovered Fraudulent Accounts on my report. 
The following fraudulent accounts are 1.XXXX XXXX {$500.00} Ive never done business with this company or entered into a signed contract with this company. This is a fraudulent account 2. XXXX, XXXX XXXX XXXX XXXX {$270.00} Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent!! 
3. XXXX XXXX XXXX is also a fraudulent account! 

XXXX XXXX ( isnt my name XXXX Ive never used it that way please see ftc report/ 605b all attached

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 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed down 2 credit cards I had with them 1 ) Chase Sapphire Reserve Credit Card and 2 ) Chase Freedom Unlimited. Chase refuses to provide me a reason for closure. I had been a chase customer for over a decade, with business accounts and personal accounts. Supervisor I spoke with over the phone was absolutely rude and informed me that they have decided to end their business banking relationship with me and to never contact them again. 

All of my accounts were up to date and I have an excellent credit rating above XXXX. There was nothing that I can think of that was done from my end that could have caused the closure of my account. 

The credit card shutdowns will significantly impact my credit scores as my chase freedom unlimited credit card was over 10 years old and my oldest account. 

It is unconscionable for a mega corporation to simply close an account, not provide a reason, to never provide a reason for closure, and to treat that holder of said closed account with such disdain and disrespect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX XXXX AMEX is so bad they will take money for XXXX to pay off organized crime. 

Then they will trash your credit and probably try to sue you. 

I've been forced now to pay them XXXX for my own XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am requesting delettion of Department of Educarion/ XXXX removed from my consumer report. XXXX, Equifax and XXXX had no written content from my and PER 15 USC 1681B ( a ) ( 12 ) in accordance with the written instructions of the consumer to who it relates. PLEASE ASK XXXX EQUIFAX AND XXXX TO PRODUCE A CONTRACT IN AFFIDAVIT FORM SHOWING I GAVE THEM MY WRITTEN INSTRUCTIONS TO FURNISH THIS CONSUMER REPORT WITH XXXX  ON IT.

I am requesting this be deleted from my consumer report immediately.

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my right AND for XXXX to be deleted from all 3 agencys, XXXX XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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:
I am requesting delettion of Department of Educarion/ XXXX removed from my consumer report. XXXX XXXX and Experian had no written content from my and PER 15 USC 1681B ( a ) ( 12 ) in accordance with the written instructions of the consumer to who it relates. PLEASE ASK XXXX XXXX AND EXPERIAN TO PRODUCE A CONTRACT IN AFFIDAVIT FORM SHOWING I GAVE THEM MY WRITTEN INSTRUCTIONS TO FURNISH THIS CONSUMER REPORT WITH XXXX ON IT. 
I am requesting this be deleted from my consumer report immediately.

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my right AND for XXXX to be deleted from all 3 agencys, XXXX, Experian and 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 2021-06-25 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:
I am requesting delettion of Department of Educarion/ XXXX removed from my consumer report. Transunion, XXXX and XXXX had no written content from my and PER 15 USC 1681B ( a ) ( 12 ) in accordance with the written instructions of the consumer to who it relates. PLEASE ASK TRANSUNION, XXXX AND XXXX TO PRODUCE A CONTRACT IN AFFIDAVIT FORM SHOWING I GAVE THEM MY WRITTEN INSTRUCTIONS TO FURNISH THIS CONSUMER REPORT WITH XXXX ON IT. 
I am requesting this be deleted from my consumer report immediately.

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my righ t AND for Navient to be deleted from all 3 agencys, Transunion, XXXX and
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 2021-06-25 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
The following accounts and inquiries are not mine, please remove them from all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft AHF Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft AMERICAN FIR Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation