vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I received a letter online that I'm sure is not really from Chase. There is a link in the email to click on ( which I didn't ) and it says it will explain the issue further. I logged into my account through the normal portal and there was no issue with my account. They are pfishing for people 's information and it makes me so mad!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
XXXX debt was paid off through an attorneys office, and payments made as agreed with them. 

Months after this, I received letters from a different collections company about the same debt. I disputed it since they had added that to my credit report. It was taken down. 

Today XX/XX/2021, the same collections is again trying to collect for the same debt. ( South west Credit Systems ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX I contacted EXPERIAN XXXX & other companies displaying on my credit report TO DISPUTE ITEMS OFF MY CREDIT REPORT DUE TO FRAUD THEY HAD 30 -45 days to remove any negative items they did not they continued to report fraudulent information on my credit report including DEBT, inquiries that I did not consent of I then contacted them certified mail to remove all inquiries and items from my credit report ASAP sent all documentation to prove my identity they did not remove items at all this is unacceptable my concern is to remove all negative debt items and in consent inquiries off my credit report ASAP

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 2021-07-30 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:
There seems to be an XXXX XXXX account open in my name or a similar name to mine, and I, on the other hand, never make a late payment. I always have paid my debts, and times I do not have any cards that I was late, so this is ridiculous to let this go that far. Plus, I never opened her XXXX XXXX. Its not my account, and I do believe that this account belongs to my former roommate, XXXX XXXX XXXX, who either used my name when he opened it or just added me as a co-signer. It seems like the credit card was open in XXXX or XX/XX/2020, and its got defaulted, and XXXX or XXXX, and the credit limit shows XXXX, but the balance shows almost {$6000.00}. Would you please help me to take it off my credit report? I did try contacting credit report and agency Experian, and they twice to do told me that its going to stay the way it is, which is ridiculous. Would you please help me? Im just trying my best to live in these challenging times without any problems, and I dont need this in my life right now. Would you please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am having issues with Macy 's. I spoke with them on XX/XX/2021 and they inform me that they are no longer collecting on my account. If they arent collecting on this then I feel it should not be on report. I have trying disputing this too and they still will not do anything also this is over 7 years old. Can you explain to me why they are still reporting this? I hope you can help resolve this issues with and get this remove 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 2021-07-30 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: SC

Complaint narrative:
XXXX XXXX XXXX is continuing to tarnish my credit profile and harm my ability to receive new credit by incorrectly reporting I owe a debt that has been proven to not be mine. After repeated requests they refuse to provide a signed contract by myself and sent a printed letter with an incorrect date of birth attempting to prove the debt belongs to me. 

I've told Equifax, XXXX  and XXXX  that the information is incorrect and it keeps reappearing after being repeatedly told by agents that the company will be blocked from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
Good Day, hope is well. At this time I am stressed out about this account that has been hunting me for too long. I have contact over 12 different representatives, supervisors and managers that has given me the run around.

The account name is Kinum was agreed to pay cash up front and then finance the remaining balance. The remaining payments were paid in cash, debt card or credit card monthly directly to the store. After receiving a notification on my credit report, I contact the company directly. No one seem to see a remaining balance or anything going to collections. Another notification was received but yet no one could find the account beside one manager. He informed me that I had 3 payments left that were not calculated so I did not want any trouble or this account to report negative status, I went ahead and made monthly payment. The Manager assured me that once the payments are paid in full, the account would be removed from my credit report. This account was never removed from my credit report at all. It was reported to another credit bureau as if I owe another balance which is inaccurate information. 

With these action of reporting on my reports are inaccurate and very disrespectful to my character. The crazy part about this account is after speaking with multiple individuals, the account will be transfer from one credit bureau to the next as if the company is deleting the account from one and placing the account on another one. All I am asking is someone to get this right and remove this inaccurate information as soon as possible. My wife is XXXX. 

Hopefully someone will review this information fast before my wife gets upset again. 

Thanks for your time and handling this account soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Did not consent to the following lenders pulling my credit report : XXXX XXXX  Inquiry Date : XX/XX/202XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2XXXX XXXX XXXX Inquiry Date : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
THE BUREAUS INC failed to validate a debt at my request, which is a FDCPA violation, and continued to report a disputed debt to the Credit Bureaus : another FCRA violation! Not only have they ignored my prior requests for validation of debt, but they continue to report this debt to the credit bureaus causing damage to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out via certified mail to the following companies and asked for proof that I gave permission to submit hard inquiries on my credit account and they have either not responded nor removed the inquiries as legally requested, since they were not able to show proof of my request. 

XXXX XXXX XXXX ( XXXX XXXX, XXXX, SC XXXX XXXX XXXX, XXXX, GA XXXX ) XXXX and XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) XXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX ) XXXX XXXX ( XXXX Box XXXX, XXXX, TX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, FL XXXX XXXX XXXX Also, the following Bureau 's have been PAID off and the accounts are now closed ( proof of payments available ). I have reached out to the companies and requested that the accounts be removed from my credit reports. They have agreed to remove the negative remarks and accounts from my credit report however they are still showing. 

XXXX XXXX XXXX ( On behalf of XXXX XXXX ) XXXX  XXXX XXXX XXXX ( On behalf of XXXX XXXX ) I am kindly asking AGAIN that these items are removed from my credit report, as they are either unrecognized and not proven to be mine or have been paid and legally agreed to be removed and they are still showing on all 3 credit reporting platforms ( XXXX XXXX, and Transunion ). 

Please Please Please Remove. 

XXXX XXXX ( SS # XXXX ) XXXX XXXX XXXX  XXXX. 
XXXX XXXX, TX 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 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out via certified mail to the following companies and asked for proof that I gave permission to submit hard inquiries on my credit account and they have either not responded nor removed the inquiries as legally requested, since they were not able to show proof of my request. 

XXXX XXXX XXXX ( XXXX XXXX, XXXX, SC XXXX XXXX XXXX, XXXX, GA XXXX ) XXXX and XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) XXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX ) XXXX XXXX ( XXXX XXXX  XXXX, XXXX, TX XXXX ) XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, FL XXXX ) XXXX Also, the following Bureau 's have been PAID off and the accounts are now closed ( proof of payments available ). I have reached out to the companies and requested that the accounts be removed from my credit reports. They have agreed to remove the negative remarks and accounts from my credit report however they are still showing. 

XXXX XXXX XXXX ( On behalf of XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( On behalf of XXXX XXXX ) I am kindly asking AGAIN that these items are removed from my credit report, as they are either unrecognized and not proven to be mine or have been paid and legally agreed to be removed and they are still showing on all 3 credit reporting platforms ( XXXX, Experian, and XXXX  ). 

Please Please Please Remove. 

XXXX XXXX ( SS # XXXX ) XXXX XXXX XXXX  XXXX. 
XXXX XXXX, TX 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 2021-07-30 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: SC

Complaint narrative:
XXXX XXXX XXXX is continuing to tarnish my credit profile and harm my ability to receive new credit by incorrectly reporting I owe a debt that has been proven to not be mine. After repeated requests they refuse to provide a signed contract by myself and sent a printed letter with an incorrect date of birth attempting to prove the debt belongs to me. 

I've told XXXX, XXXX  and TransUnion that the information is incorrect and it keeps reappearing after being repeatedly told by agents that the company will be blocked 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 2021-07-30 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: SC

Complaint narrative:
XXXX XXXX XXXX is continuing to tarnish my credit profile and harm my ability to receive new credit by incorrectly reporting I owe a debt that has been proven to not be mine. After repeated requests they refuse to provide a signed contract by myself and sent a printed letter with an incorrect date of birth attempting to prove the debt belongs to me. 

I've told XXXX, Experian and XXXX  that the information is incorrect and it keeps reappearing after being repeatedly told by agents that the company will be blocked 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 2021-07-30 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: TN

Complaint narrative:
My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: GA

Complaint narrative:
TransUnion is reporting information on my report that I did not consent to or authorize, and that is in violation of my right to privacy. I did not provide my written consent for them to list the hard inquiry from XXXX, Employment Data listed as XXXX XXXX, and the telephone numbers listed as XXXX and XXXX XXXX XXXX. Therefore, them obtaining this information and putting it on my consumer report is unethical and against the law. 

I contacted them on XX/XX/21 via chat on their webpage as their website was down and I couldn't reach a representative when calling. The representative stated that I would have to provide in writing my request to remove the inquiries 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 2021-07-30 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: PA

Complaint narrative:
FAIR COLLECTIONS & OUT Originally : XXXX  XXXX BY XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I leased a XXXX, XXXX XXXX in XX/XX/2021. I traded in a leased Lexus XXXX. I signed XXXX 's paperwork authorizing them to finalize the trade-in, transfer the plates and take possession of the XXXX XXXX on or about XX/XX/2021. 
Lexus refused to honor the transaction and contacted me numerous times for payments they said I owed. The amounts varied depending on who we called to resolve the issue. More than once they said they would call back with the information to explain the mystery charges and never did. 
Finally they threatened sending the dispute to a collection agency if we did not pay them by XX/XX/2021. 

The XXXX agent was very helpful and contacted Lexus numerous times. He was also given misinformation. Assurances of resolution were not honored. He told me, " that many XXXX agents were getting the same run around '' from Toyota/Lexus Financial. He was delayed for several months trying to get the Title to the car. 
XXXX finally contacted us after debt collectors had contacted us and said the file was closed. 

It is my opinion that Toyota/Lexus are resisting consumer movement to all Electric Vehicles. They have delayed selling their EVs here in the US market. 

I can provide the name and cell number for the XXXX agent that experienced the title transfer delay and can verify the duplicitous assurances of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: MT

Complaint narrative:
I spoke to XXXX XXXX this morning. The account was incorrectly billed to me. They have cleared the balance and collected payment from the correct party. The collection company will not verify this and have reported as unpaid to my credit bureaus. 

The hospital contacted the correct XXXX XXXX and resolved the outstanding balance. It was the hospitals error and it has been corrected on their end. 


XX/XX/XXXX Hospital Encounter at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ServicesProvider : XXXX XXXX XXXX, MDPatient : XXXX XXXX Visit Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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:
XXXX XXXX XXXX XXXX Originally : XXXX XXXX BY XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Originally : XXXX  XXXX BY XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: MO

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX XXXX I called Transunion about 2 inquiries on my credit report that were not valid which were XXXX  from XX/XX/2021 and XXXX  XXXX XXXX XXXX XXXX costumer service would not help and take care of the negative inquiries reporting to 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