vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, I have contacted Chase 3 times attempting to resolve this problem. Each time, I am placed on hold for over 40 minutes and no one answers. The customer service reps have difficulty understanding me and have a poor connection on their phone. The reps transfer me to their credit department and I am left hearing very loud distorted heavy metal music, while on hold for 40 minutes.

Anyways ... my credit report shows the following incorrect information for my Chase credit card.

# 1 - The are remarks from Chase stating " Account is in dispute ''.

# 2 - The payment history shows from XX/XX/XXXX to Present. 

I have never disputed this account. Why are these remarks listed on my credit report? Also, the account was in XX/XX/XXXX. The payment history from XX/XX/XXXX to present should be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 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: NY

Complaint narrative:
To whom it may concern, I recently looked at my XXXX XXXX account and noticed an inaccurate information on my transunion account in derogatory marks. Some random collection agency is saying i owe them money that I do not owe them. I never authorized money that they claim. Anything Involving cell phones was solved years ago. So I am unsure as to why transunion and this collection agency are saying I owe money when I do not. To my understand 4-5 years ago I had a XXXX XXXX XXXX  phone i transfered over to XXXX  on a promotion that XXXX would take care of any payment money if I switched over which I did. So I am unsure as to why XXXX XXXX XXXX Is  saying unpaid when I was right there at XXXX  when they got paid over the phone. So to me this inaccurate. I also have proof with XXXX has it is not shown on there because I do not owe this money in collections that I am being accused of. If anybody wants to contact me directly regarding said matter please feel free to call me. I just want this inaccurate information removed from credit report asap. Attached doucments are equifax where it does not show the item and ill also send you the transunion where I am being accused by a company named enchaned recovery. Again to my understanding this was all taken care of years ago.

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 2020-05-18 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: OH

Complaint narrative:
I cancelled a travel reservation through XXXX.com on XX/XX/2020 and was emailed a receipt XXXX after calling them that showed a refund amount of {$350.00}. They have refused to refund the amount, I started a dispute with my XXXX credit card, and they ruled in favor of the merchant. Im pretty sure they didnt even look at my paperwork or the email receipt, because its pretty plain to see that they agreed to refund 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 monetary relief
Consumer complaint received 2020-05-18 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: GA

Complaint narrative:
These are not my accounts reporting.

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 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: CA

Complaint narrative:
As previously noted, the XXXX  XXXX XXXX owned by Mrs. XXXX XXXX was the victim of a HOSTLE and ANTAGONISTIC assault and battery by an unknown assailant. To be specific, the XXXX XXXX COUNTY SHERIFF 's DEPT. has noted this accident as an assault with a deadly weapon ( A XXXX XXXX XXXX XXXX ; license plate already noted in a previous report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
XX/XX/2020 my direct deposit for my unemployment went on my bluebird card, and they cancelled my card for no reason and they wont let me get my money out XXXX was deposited at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I filed a complaint about Credit Acceptance on XX/XX/14. They are now harassing me by repeated calls. I want them to leave me alone, no calls and communicate in writing, if necessary. I only owe XXXX more payments and I want make them in peace. This is typical of the way they work.

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 2020-05-18 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my 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 2020-05-18 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my 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 2020-05-18 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: AR

Complaint narrative:
I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: CA

Complaint narrative:
I had my credit ran today XX/XX/20 because I'm in the process of buying a house however, I was told that I would not qualify for a home loan due to having accounts with negative history appearing on my credit. I wasn't aware that these accounts were on my credit report because I didn't open any of them. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX. I do not have any written or verbal contract with any of these companies nor did I ever allow them to access my credit. I did not gain anything from these accounts that were opened in my name without my permission and I did not make any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I had an account that went into overdraft with XXXX XXXX XXXX XXXX  back in XXXX. Due to the COVID XXXX home restrictions, I was unable to go into the bank to make a deposit. Once I did - they stated they could not accept my deposit. I never heard back from them nor did they send anything about the account being in the negative via mail. No notification or anything. I applied for a new account with my credit union and they said I was reported to Chexsystems by 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 2020-05-18 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: NJ

Complaint narrative:
These accounts I had nothing to do with.

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 2020-05-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I looked at my credit report in XXXX of 2020 and notice that there was a hard pull on my credit report from SHELL/CITIBANK, NA. On XX/XX/2020, I sent them a letter to the address that they provide on the credit report ( XXXX XXXX XXXX, XXXX, DE XXXX ). The USPS returned it with a yellow sticker that said " Not deliverable as addressed ''. I have also tried calling them and I can't get past the automated system because I don't have an account with them. I can not speak to a live person. I did not authorize this inquiry and it needs to be removed. I tried disputing it back in XXXX, 2020 and my attempt failed due to inaccurate information that SHELL/CITIBANK, NA is providing for people to dispute.

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 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I filed a complaint with CFPB abount one month ago. The complaint was that my wife has a capital one savor account that she uses to pay a household bills. She ordered a card for me for shopping. I did not sign anything, the account is under her SS number. After filing a complaint the reporting of this account was removed from my credit report. one month later it is back on my report. All I get from capital one is lip service and lies. If the CFPB can not fine capital one, please advise. My next step is to have my lawyer file a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 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: CA

Complaint narrative:
I had my credit ran today XX/XX/20 because I'm in the process of buying a house however, I was told that I would not qualify for a home loan due to having accounts with negative history appearing on my credit. I wasn't aware that these accounts were on my credit report because I didn't open any of them. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX. I do not have any written or verbal contract with any of these companies nor did I ever allow them to access my credit. I did not gain anything from these accounts that were opened in my name without my permission and I did not make any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-05-18 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: CA

Complaint narrative:
I had my credit ran today XX/XX/20 because I'm in the process of buying a house however, I was told that I would not qualify for a home loan due to having accounts with negative history appearing on my credit. I wasn't aware that these accounts were on my credit report because I didn't open any of them. The accounts are from these companies. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX. I do not have any written or verbal contract with any of these companies nor did I ever allow them to access my credit. I did not gain anything from these accounts that were opened in my name without my permission and I did not make any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-05-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I received a call on XXXX when this pandemic started from a bank of America representative stating that I had a payment due of my deposit secure credit card of XXXX and I went into an agreement with her letting her know that I was gon na pay the whole amount when I got the taxes during the same week I opened that account in 2018 I tried to call the bank several times so I could pay but when I called they said they were closed they said there wasn't any representative and there were machines answering or hanging calls and I couldn't log into my online account because it was closed, I received two calls from ID callers but nobody answered or there were only machines talking, my work is for driving i had to take my time off from my job to have the Time to fix this situation I found that the bank didn't have my address updated the lady just updated today XX/XX/XXXX at XXXX XXXX an i haven get any statement since XXXX i wasn't updated about my account so i called today and spent 3 hours they were connecting me with the recovery department and i had a conversation with XXXX XXXX about XXXX XXXX and i found that they were already closed my account and they had taken my secured money to closed that account without letting me know on XX/XX/XXXX and reported me in my credit report as a bad debt canceled by credit grantor i asked to the lady to reopened again an that i was going to pay the whole amount with my checking account and she denied it to reopened it and on top of that i have a standing balance of {$250.00} and they are charging me interest rates so my conclusion is they are taking advantage about the coronavirus situation to the customers doing things they aren't suppose ti do it with out consent of the customers they put you in hard situations just to pay and they are denying responsibilities their representatives are lying and taking advantages about the language of the customers my language is XXXX but only English representatives calling me or no XXXX representatives ara available

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 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
THE BUREAUS INC, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Is aggressively attempting to collect on the debt that is not mine ... Numerous attempts to request validation of this debt from them went ignored. Yet they are reporting this to all 3 CRAs on monthly basis further damaging my credit. They claim to be collecting from or on behalf of Original creditor XXXX XXXX XXXX XXXX whom I don't recognize and the original creditor is NOT reporting on my credit report. 
Few letters came undeliverable that were address to The bureaus inc, to the address reported to credit bureaus ( see attached evidence ) I find this account being erroneous, illegal and in violation of FCRA rules and regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: AR

Complaint narrative:
I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2020-05-18 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: AR

Complaint narrative:
I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2020-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased a XXXX XXXX on XXXX XXXX for {$22000.00} from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, NY XXXX I paid {$6000.00} in cash leaving XXXX to be financed. 
On XX/XX/2020 I called the finance company ( capital One ) .To my surprise my loan is $ XXXX called the dealer several times and was told I had to go the the dealership only by appointment and someone would return my call I am attempting to find my $ XXXXThe clerk keeps telling me my call would be returned. I keep calling and all Im told is they are with a customer. 
All I want is to retrieve my {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Would like fraud alerts removed

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 2020-05-18 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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