vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-26 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: MI

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I filed a dispute with CHASE Card Member Services regarding a charge of {$200.00} that was applied to my account based on false and scandalous claims from the service provider known XXXX XXXX  located in XXXX XXXX XXXX 

The vehicle in question was indeed rented on XX/XX/21 at XXXX free of any significant damage, but not without minor swirl and scuff mark damage. The vehicle was returned on XX/XX/21 at XXXX AM and left in the XXXX parking lot in the same like condition as when it was initially picked -up. This fact has been supported by my wife who was with me during our entire stay and has further testified that the vehicle was in fact never involved in any infraction or sustained any damage under my care. 

When I called to complain to CHASE Card Member service I was advised to submit a formal dispute if I disagree with the charge, I was cautioned that a valid charge finding would go against my credit report. Upon my formal filing I received a letter from CHASE stating the charge was found to valid based on research conducted. I was floored by this response as I knew the charge was a scam from a privately owned XXXX rent-a-car office located in XXXX airport XXXX XXXX. I've rented cars from XXXX for over XXXX years and have never been accused of unfounded damages like this. I called CHASE to complain and they instructed me to resubmit an appeal dispute with additional information to support my claim, which I did on XXXX I provided a very comprehensive and time consuming appeal. On XX/XX/XXXX I received a formal response letter from chase saying again that based on their review and the merchants charge is valid ... After the shock of reading CHASE 's response I called again ( XXXX ) and again was told to resubmit yet another dispute, which I denied and requested to speak to a supervisor as I felt like I was just waiting my time and being strung along. After a heated conversation it came to light that my dispute exceeded a XXXX complaint threshold and all the facts, time and disputing was all a big farce of its own. 

In all of the phone conversations, dispute submissions and response letters from CHASE not one mentioned anything about a time sensitive response. What's worst of all the second response letter from CHASE stated a phony investigation statement that the additional information that I submitted was thoroughly reviewed and the charge stands? The fact is that my dispute fell outside of their eligible review widow and none of what I sent in as supporting proof to my claim was ever considered ... Outrageous! 

On top of it all CHASE tries to buy me off by offing to apply a {$100.00} credit to my account. Since the charge is fraudulent I refused and my complaint was sent over to their review board. To date four weeks later I've heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: MA

Complaint narrative:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: OH

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: KY

Complaint narrative:
I was previously a victim of identity theft and had several accounts opened under my name without my knowledge an account by XXXX was among those debts and previously blocked from my credit report now it has been sold to another collection agency and placed back onto my credit file when it is supposed to be blocked I have submitted police reports and identity theft reports and it is still being put back on my credit file XXXX XXXX XXXX XXXX acct no. XXXX Collection opened XX/XX/2021 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 2021-11-26 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: WA

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Signed up for Kabbage checking account offering a {$300.00} cash bonus if terms are met. Met the terms of the promotion. Account was then locked for security reasons for several weeks. After hours and hours on hold I finally got Kabbage to unlock the account and confirm that I met the terms of the {$300.00} cash bonus. Said that due to an " error '' the {$300.00} would need to manually credited. 

The bonus has still not been applied to the account and I'm afraid to use the checking account because it was locked for no reason. I can not get anybody in customer service to respond to me either by email or by phone. When I call the phone, I wait on hold for 30-60 minutes and then am automatically disconnected. This is the worst, most disorganize, most understaffed bank I've ever dealt with. Give me the {$300.00} bonus I am due, per your own promotion terms. 

This promotion is STILL BEING ACTIVELY ADVERTISED HERE : https : //www.kabbage.com/checking/

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CHECK INTO CASH INC.
State: VA

Complaint narrative:
In XXXX of this year I received a high interest loan from XXXX XXXX. In XXXX I was unable to keep up with the payments which were not moving my balance and requested that the cease EFT debits- which they did. 

In XXXX the loan was sold to CC recoveries. In doing some research it appears this loan is not legal in the state of VA. I called CC Recoveries on XX/XX/XXXX and advised I plan to report the illegal loan to the states AG and requested a copy of the contract. I was assured it would be emailed to me by COB that day. The collector asked me repeatedly if I could make a payment - which I told them I could not. The collector ended the call by stating they will continue to pursue the debt and I will get daily calls ( they call MULTIPLE times per day ). Fast forward to today ( XX/XX/XXXX ) I go to check my bank account and see that CC Recoveries has withdrawn nearly {$700.00} from my checking account. I did not authorize this withdrawal. I called their office and spoke to XXXX who advised since I authorized XXXX XXXX, that authorization carried over to their office - although revoked. How can this be? They are a 3rd party who I have no agreement with, I told them I was disputing the legality of the debt under VA law and they still believe they can randomly hit my account for {$700.00}? 

This company and XXXX XXXX need to be investigated for illegal practices- repay phone calls, unauthorized withdraws, legality of loan in VA. 

CC Recoveries can be reached at XXXX. My account number is listed as XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26 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: MO

Complaint narrative:
The problem is with Experian. I made numerous calls to them about this issue and nothing has been done. Because of this my credit score is horrible. This past XXXX I had 2 inquiries on my report that were to be removed and they never were removed even though these two companies sent letters to Experian telling them to remove the inquiries. I called Experian and spoke to someone and he was rude and told me I had to go on line to fo it. I tried and it said I had to call. I then filed a complaint with the XXXX XXXX XXXX  and Experian will not get back to them.

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 2021-11-26 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: IL

Complaint narrative:
Atlantic Recovery Agency has been harassing my family.They call different people I know and is extremely rude and aggressive. They also call from a regular phone ( XXXX ) or a ( XXXX ) number but when they leave a voicemail they have us call back a ( XXXX ) number. I was supposed to be receiving a email or a letter with the XXXX collection information, and have yet to receive it. But Theyre constantly calling me I get at least 15-20 calls a day from these people

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: CT

Complaint narrative:
Hi, I just wanted to follow up. It's been over a month since I requested you to look into the inaccuracies in my report but you have not replied. It was on XX/XX/2021 to be exact and I was told that I should get some kind of response from your organization but I haven't so I am wondering what's going on for I am sure that letter was received. PLease lem me know what's going on and if you haven't taken action please do now. thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: CT

Complaint narrative:
Hi, I just wanted to follow up. It's been over a month since I requested you to look into the inaccuracies in my report but you have not replied. It was on XX/XX/2021 to be exact and I was told that I should get some kind of response from your organization but I haven't so I am wondering what's going on for I am sure that letter was received. PLease lem me know what's going on and if you haven't taken action please do now. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX mailed a check from the escrow account from refinancing my home {$7000.00} check mailed XX/XX/XXXX Delivered XX/XX/XXXX Cashed XX/XX/XXXX I called to find out what happened .... I emailed them the copy of the cleared check, the escrow account information, contact information ... EVERYTHING .... they are STILL charging me fees... reporting non payments ... even though I still made additional payments .... they are showing me past due, non payments, charging me all kinds of fees ... and now telling me that it will take up to TWO more billing cycles to fix .... that on XX/XX/XXXX it was sent to " processing " and processing can take up to XXXX MORE billing cycles This is illegal!! 
I am a 100 % XXXX veteran and I don't have {$7000.00} to loose... there is NO REASON they should be reporting late, overdue, and non payments to credit ..I... no reason they should still be charging me fees and more fees .....

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 2021-11-26 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: Harris & Harris, Ltd.
State: MD

Complaint narrative:
There is a medical bill from XXXX reporting a collection on XXXX of my credit reports. The bill is from the birth of my XXXX in XX/XX/2018. At the time I was admitted into the hospital I was covered under VA insurance for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also added my XXXX  to my employer 's XXXX plan and it was back-dated to her date of birth. Additionally, I was in bankruptcy at the time of her birth. The collections is under XXXX and XXXX and says the original debt was incurred this year, which it wasn't. This debt should have been disclosed XXXX years ago, but I am just being billed for it this year. All of the previous claims that XXXX has sent me were handled by the VA. I have documentation to prove my claims and somehow the XXXX and XXXX are claiming that the debt is valid and correctly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: KY

Complaint narrative:
I was previously a victim of identity theft and had several accounts opened under my name without my knowledge an account by XXXX was among those debts and previously blocked from my credit report now it has been sold to another collection agency and placed back onto my credit file when it is supposed to be blocked I have submitted police reports and identity theft reports and it is still being put back on my credit file XXXX XXXX XXXX /XXXX  acct no. XXXX XXXX opened XX/XX/2021 XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: KY

Complaint narrative:
I was previously a victim of identity theft and had several accounts opened under my name without my knowledge an account by XXXX was among those debts and previously blocked from my credit report now it has been sold to another collection agency and placed back onto my credit file when it is supposed to be blocked I have submitted police reports and identity theft reports and it is still being put back on my credit file XXXX XXXX XXXX /XXXX acct no. XXXX XXXX opened XX/XX/2021 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: IN

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation