vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have repeated requested to have Experian update the payment history information for XXXX which is a closed account. I can no longer dispute this on their website. During XXXX through XX/XX/XXXX. Experian reported inaccurate payment history status ; the account history status showed inaccurate information I submitted a copy of the comparison between experian and neither were consistent during this time period plainly showing inaccurate reporting of account history and payment status. As a credit consumer if there are inaccuracies in the way information is reported the credit bureau must remove that information. I have repeatedly asked this to be removed. It is still showing up in my payment and account history status during the time period of XXXX to XX/XX/XXXX. This has not been addressed this has not been removed and is violating my rights as a consumer!

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 2021-09-20 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On XX/XX/2021 I received an email about a new inquiry on my credit report from a company called Acima. About a month prior to that, I also had inquiries from XXXX and XXXX. I had not open new accounts with any of these companies. XXXX and XXXX were able to cancel the fraudulent accounts immediately and correct my credit. Acima has been able to cancel my account and report this as fraud to fix my credit. I have filed a police report and am now filing this in hope of getting Acima to close the account. The balance on the account appears to be {$4400.00}. When I initially found out about the account, I spoke to an Acima employee on the phone and was told it was obvious it was fraud due to i fake email address and bad address. Acima has been able to cancel the fraudulent account as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
hello i sent a dispute over 45 days ago still no response it currently states that i have missed payments for my fed loan witch is incorrect there should be no late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
hello i sent a dispute over 45 days ago still no response it currently states that i have missed payments for my fed loan witch is incorrect there should be no late payments

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 2021-09-20 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 — Problem with personal statement of dispute
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I submitted a complaint in reference to Acima kept reporting my account as 30 days late. For over 4 months, after I was told they would not report my late payments because I had loss my job because of XXXX a natural disaster. They responded that I declined a deferred arrangements with them on XXXX XXXX which is not true. I am requesting a copy of that phone call where I said I did not want to keep my credit straight by doing this. If I would have done this then I would not be in the situation I would not keep filing complaints against them. I had a 24month lease which I paid off within 7 months. They also said that it is only on XXXX well it do not matter weather they do one Credit Bureau or ALL 3 it is still harmful to my XXXX account. Late payments does matter and it show a person is not paying their bills. I didn't pay the bill, my fault that we had a natural disaster and I loss my job and had to file for unemployment and once I received it I paid the account off. I WANT THE PHONE CALL, SINCE THEY RESPONDED THAT THEY LISTEN TO THE CALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: GA

Complaint narrative:
I am writing to delete the information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I have made several attempts to have these accounts removed from my report to no resolve. A timely follow up on this mater would be great, as this is causing trauma to my mental health. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on {$14000.00} and a balance of XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: MI

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I need a compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Had XXXX XXXX  do work to my teeth comenity capital gave me the loan i was behind on payments so i went to XXXX XXXX for loan they sent check to comenity capital for XXXX on XX/XX/2020 three days later they sent me a letter saying they sold my account. They cashed the check and said they have no idea where the money is. This is still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: AL

Complaint narrative:
In XXXX and XX/XX/XXXX, I filed a dispute with this credit bureau about incorrect reporting of address on my credit report : XXXX XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX. 
. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about errors as of today. Thank you

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 2021-09-20 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: PNC Bank N.A.
State: PA

Complaint narrative:
I changed my address I did not receive any statements in the mail. On top of that they trashed my credit score over a small amount of money. When I worked extremely hard to sustain my scores. Its not fair I got no statement in mail. I changed my address with the manager XXXX XXXX. In XXXX pa My mother pays my bill because she holds this card. Its not fair I got my credit trashed with out being warranted of the statement that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: MI

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I need a compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-09-21 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, Equifax & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX A Account number XXXX with a balance of {$1400.00} and another alleged account {$200.00} is inaccurate. I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
Collection on my credit report on account ( XXXX XXXX ) opened on XX/XX/2019. Do not know anything about it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Plus Inc
State: MI

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. On XX/XX/XXXX a finance inquiry was posted to my credit report initiated by Credit Plus This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( Credit Plus ) can only furnish a consumer report in accordance with written instructions by ( myself ) the consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as the consumer have been violated and my privacy has been breached. The company the responded : Hello, We have received notification that you have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), under the date of XX/XX/XXXX, regarding an inquiry from Credit Plus on XX/XX/XXXX reporting on your credit report. Please be advised that Credit Plus , Inc. is a reseller of credit reports and it was out client XXXX XXXX that pulled your credit report on XX/XX/XXXX. If you do not believe that you authorized this inquiry, please contact us directly, our contact information is below. Thank you, Credit Plus , Inc. XXXX XXXX XXXX XXXX, MD XXXX Phone : XXXX Fax : XXXX Email : XXXX Herein lies admission to being involved as a third party. The company never gave me the solution I demanded but rather shifted responsibility. Per attached exhibit- the company Credit Plus ( IS ) listed as the reporter. So pursuant to 15USC 1692e this is misleading representation and this is a violation of my consumer rights. This false representation includes but is not limited to the use of any business, company, or organization name other than the TRUE NAME of the debt collectors business, company or organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
On XX/XX/21, I received a notice from Sequim Asset Solutions that I owed {$330.00} to XXXX. This was the third time I have disputed this XXXX bill as it was paid in full. I have sent a notice on XX/XX/21 to Sequim disputing the debt, along with proof of payment and requesting debt verification. It was sent certified # XXXX XXXX XXXX XXXX XXXX. Sequium has failed to verify the debt, but yet has reported this to the credit bureau. When I disputed this through XXXX, Sequium just said " it is valid '', but still has yet to provide ANY proof or remove it since it was PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: PA

Complaint narrative:
These accounts on my consumer report are unauthorized and are not from me. I also wrote EQUIFAX an identity theft report. EQUIFAX said they have recieved my identity theft report and was takkng these false accounts off my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I am writing this formal complaint as I have asked FedLoan Servicing to review my case to include past payments made under the income based repayment plan. I made several payments listed in the attachment to my lender from XXXX XXXX. None of my payments are being counted toward my loan forgiveness even though I had the same employer under which 4 payments with the lender XXXX XXXX are being counted toward my forgiveness. After XXXX XXXX, my loans were sent to FedLoan Servicing. I submitted the payments from XXXX for review 4 times and though I was making payments under the income based repayment at my qualifying institution, they refuse to count them. They specifically asked me to show proof of the payments by downloading the payments from the website at XXXX and submitting them to FedLoan Servicing. I have done this several times. I would like to submit a complaint of dishonestly and fraudulent claims by FedLoan Servicing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I applied online for a Chase Freedom XXXX Credit Card on XX/XX/XXXX, 2021.. The reason I applied was the advertised feature of 5 % cash back on supermarket purchases and {$200.00} bonus reward if {$500.00} was charged within the first three months. I was instantly approved. A week later I received the card in the mail which also included various brochures including a Guide to Benefits. That Guide did not mention either the 5 % cash back on supermarket purchases or the {$200.00} bonus. I assumed that Chase sent me the wrong card. I phoned Chase customer service and was told by the person answering the call that I received the correct card but Chase doesn't put in writing the terms of its promotional offer. I couldn't believe it so I asked to speak with a supervisor. The supervisor who would only give me his first name, XXXX in Missouri, did say that if a cardholder specially requested the terms of the offer, Chase would disclose them in writing which would take 10-14 business days. Also only when I asked, he told me that the operative date for determining the three month period was the date Chase approved my card even though I didn't have a card to use for part of that three month period. 

I believe that the practices described above are outrageous and that Chase should be sanctioned. In addition Chase should be required to disclose all terms of its reward program including promotional terms in the package included with the card delivery and that any time limited offer such as the three month period to accumulate bonus rewards should begin on the date the card is activated, not the date Chase approved the card.

Company response to consumer: Closed with explanation