vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( CHRYSLER CAPITAL- XXXX ). Because of the following information by your company and XXXX, XXXX, and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
My car was totaled out on XX/XX/XXXX my insurance had the total loss settlement done by the XXXX the same day my self and insurance company called Bridgecrest letting them know to send a title with XXXX name on it I order for a check to be sent. Everyday I called asking had it been done and it didn't. Finally on XX/XX/XXXX I made a conference call with insurance and they said they requested it as of that day. I'm not sure why it took 13 days to do so. Now I am two months down the line and still waiting on this issue to be resolved. There total loss department does not have contact information for the public. I get the run around from there employees. Today XX/XX/XXXX I called and they can not locate the check my insurance sent over. I'm still responsible for the car. I have to keep continuing to pay {$240.00} every two weeks. They have been prolonging this issue changing and adding to my pay off amount having the interest go up on this car loan. Resulting in me not being able to get another car. No supervisor is ever available to speak with. I have maxed out all my efforts with this company with trying to have this issue resolved in a timely manner. I have phone logs and recorded conversations with this company for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: FL

Complaint narrative:
On XX/XX/2018 Chapter XXXX Bankruptcy discharge under public records has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting public records Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of bankruptcy that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EQUIFAX, XXXX AND XXXX IS CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. I have notified the Bankruptcy Court and their response letter is attached stating they do not report information directly to the credit reporting agencies. Therefore, how could you verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I pulled my consumer report and noticed your company pulled my report without my permission. No consent is identity theft. Permissible purposes of consumer reports { 15 U.S.C. 1681b } for an entity to view a consumer 's credit report without a " permissible purpose. '' Therefore due to the damages that have been done to my report, you are civilly liable to me in the amount of { {$1000.00} } per 15 U.S.C 1681n. Second, because the address do not exist, then it is still considered unlawful to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 Chapter XXXX Bankruptcy discharge under public records has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting public records Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of bankruptcy that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX IS CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. I have notified the Bankruptcy Court and their response letter is attached stating they do not report information directly to the credit reporting agencies. Therefore, how could you verify this account.

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 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( XXXX XXXX XXXX ). Because of the following information by your company and XXXX, XXXX, and TransUnion are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing

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 2021-09-17 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: TX

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( XXXX XXXX XXXX ). Because of the following information by your company and XXXX, Equifax, and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TX

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( XXXX XXXX XXXX ). Because of the following information by your company and Experian, XXXX, and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing

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 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX of 2021, I received two notifications from BB & T that I no longer wanted overdraft protection for two different accounts which I never opened.

I immediately contacted them and was told an identity theft report would be filed.

Than I received another notice stating that the pin request mailed had been returned. I again contacted them and was told that the accounts were closed due to possibly being fraudulent.

I requested a call back from a bank supervisor and was told I would be contacted by the fraud department. I am still waiting to be contacted by someone.

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 2021-09-17 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: MN

Complaint narrative:
I am challenging the incorrect information on my credit report with XXXX account number ( XXXX ) there are 3 different dates of last activity i attached a copy of report its inaccurate and going against FCRA and i need removed immediately please and 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 explanation
Consumer complaint received 2021-09-17 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: MN

Complaint narrative:
I am challenging the incorrect information on my credit report with XXXX account number ( XXXX ) there are 3 different dates of last activity i attached a copy of report its inaccurate and going against FCRA and i need removed immediately please and 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 explanation
Consumer complaint received 2021-09-17 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am challenging the incorrect information on my credit report with XXXX account number ( XXXX ) there are 3 different dates of last activity i attached a copy of report its inaccurate and going against FCRA and i need removed immediately please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Charge 's on my credit which has been breached Navient student loans over charge and wrong charge 's due to school closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have a discover credit card where i make a XXXX minimum monthly payment. I recently have gone through financial hardship and have been late on making a monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MO

Complaint narrative:
ECSI is reporting on loans that were on forbearance inaccurately. Customer service say that I wasn't required to make payments while on covid forbearance yet report it as late for a period of 10 months. When contacted the chat agent directed me to call the school instead??? School directed me to call servicer as they don't deal with reporting?! Essentially both the school and the servicer don't know what is going on, so I guess it's up to the borrower to figure it out somehow? Also, I am signed up for paper mail but was not notified by mail that my eligibility was ending and they needed paperwork by some XXXX date. Apparently, it was only sent by email which is not my primary form of communication. I believe this is intentional and by design. One would expect any time sensitive material to be communicated by the means the borrower is signed up for. Customer service claimed they only send out notices when bills are due and some specific types of communication and could not really explain why I was not contacted by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Charge 's on my credit which has been breached XXXX student loans over charge and wrong charge 's due to school closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: CA

Complaint narrative:
The Department of Education has been knowingly infringing upon my right to privacy by sharing my information with third parties when I NEVER gave them permissible purpose to do so. The accounts in dispute are a result of identity theft. These accounts do not belong to me, but were verified. It is impossible to verify these accounts on my behalf because I am the original creditor and consumer and I'm the only person who could verify any debt. Also, debt means any alleged obligation and we all know pursuant to 18 usc 8 all obligations are securities of the United States. I need to you to cease and desist all collection efforts or else I will be forced to litigate. You are criminally and civilly liable for infringing on my consumer rights pursuant to 15 usc 1611, 15 usc 1640, and 15 usc 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
The following XXXX XXXX  checking account listed on my Chex Systems Consumer Report : XXXX is a fraudulent account and not my account : Ending In : XXXX, balance : {$4600.00}. I never applied for or opened a checking account with 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 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I applied and was approved for a new Chase Sapphire Visa Card. Due to the problems with the US Postal Service, I had to re-order a new card, delaying its arrival and activation by 20 days. Once I activated the card I called my bank/card company Chase, in XX/XX/XXXX, to change the due date to a mid-month payment instead of a first of the month payment. They said that they would change my due-date but never did. 

I called again last month in XX/XX/XXXX to change the due date- and for about 2 weeks when I would check the account it appeared as if it had been changed to due on the XXXX of each month. However, when I checked my bank account today, the XXXX of XXXX, the due-date for payment has somehow reverted back to the XXXX of the month. 

I have sent a message to Chase and I am wary that they will do the right thing by me, as I have had to have a conversation with them every month since I have activated this credit card. 

When I spoke to to the representative they alleged that they would send me a letter through the chase app/online banking portal this is the message that they sent me. That being said, when I open the documents center NO SUCH LETTER is available. 

We posted a new notice or letter in your Chase Mobile app and at chase.com/statements. 

Here 's what it's about We changed your payment due date. 
We encourage you to read the entire letter, because it contains specific information about your account. 

View your letter in two ways From Chase Mobile, go to your profile and choose " Statements and documents. '' At chase.com/statements, just sign in to your account. 
Youll see your letter under Notices and letters. 

To view or change your delivery settings, please sign in to Chase Mobile or chase.com.

Letters and notices sent may be from subsidiaries and/or affiliates of JPMorgan Chase Bank , N.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Apelles, LLC
State: MN

Complaint narrative:
I am receiving phone calls of harassment, abusive and profane language, and threats of jail, prison and death from Apelles Debt Collection Representatives for the following Apelles Account : XXXX from XXXX XXXX. The account is a fraudulent account and not my account, and is the result of identity theft. I never applied for or opened up an account with XXXX XXXX. Apelles is violating the Fair Debt Collection Practices Act ( FDCPA ) under federal law by constantly harassing and threatening me with death and jail for a fraudulent account thats not my account, and is the result of identity theft.

Company response to consumer: Closed with explanation