vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: DISCOVER BANK
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 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: NJ

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report to XXXX, XXXX and Equifax. To this day, over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: MI

Complaint narrative:
US DIST CT Account has reached statue of limitation cant be validated {$23000.00} XXXX XXXX XXXX XXXX Validate Account {$7000.00} Us Dept Ed Validate Account/ Different dates of last activity {$10000.00} XXXX Validate Account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft TARGET/TD Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XX/XX/XXXX I made a purchase of {$1100.00} at best buy using the bestbuy credit card issued by XXXX. The purchase was made through a promotion of of 0 % deferred interest for 2 years. 
I continued to use this account for other transactions and made another purchase for {$650.00} through an 18 month 0 % deferred interest offer on XX/XX/XXXX. 

I continued to make payments on the promotional offers and told citigroup verbally over the phone on XX/XX/XXXX and in writing by registered letter on XX/XX/XXXX that I wanted my payments to go directly to the 0 % promotional offers. 

On XX/XX/XXXX, I was hit with an interest charge of {$800.00} for the XX/XX/XXXX purchase even though the balance was ALL PAID OFF. 

On XX/XX/XXXX I was hit with another interest charge of {$280.00} for the XX/XX/XXXX purchase even though again the balance on that charge was entirely paid off. 

In XX/XX/XXXX I contacted Citi to address the charges and requested that they be reversed. They indicated that nothing could be done about the matter and that it would have to be escalated to a manager. Unfortunately, I over the next several months I had to deal with covid-related family emergencies and wasn't able to take up this issue again until XX/XX/XXXX. 
In XXXX I spoke with a representative and two manageXXXX who again declined to address the matter in a fair and honest manner. In fact they refused to do anything to address the matter.

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 2021-10-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On Sunday, XX/XX/2021 I went to the ATM of the fifth third branch at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. The ATM kept my card and then displayed " This ATM is temporarily out of service ''. 
I went to branch XXXX minutes after it opened the next day to retrieve my card. I was he only person sitting in waiting area to be serviced and now came. I noticed a technician entered the building to repair the ATM ( He announced he was the technician based on the conversation with a teller ). At that point I stood in line, since no one assisted me for the past XXXX minutes while sitting down. Waited another XXXX minutes when there were XXXX tellers and XXXX customer. Finally a teller by the name of XXXX asked how she could help. I gave her my drivers license I.D . and informed her that their ATM kept my card yesterday and I was here to retrieve it. She asked " was it a fifth third card? ' I said " no but I've used this card at fifth third ATM 's for the past 8 years with no problem. '' She said " I cut it up. '' I responded " WHY DID YOU DO THAT? '' She said " if it's not a fifth third card, we cut them up because we have no way of identifying who's it is. '' That action reminded me why I closed all my accounts at that bank 20 years ago. On the surface they look good but they are still doing things the same way as years ago. They could have looked at my identification or even called the company to verify my identity. They did not want to. You don't destroy a card ( anything for that matter ) that does not belong to you. Then she had the nerve to suggest me to contact the card maker, as if I didn't have enough since to do that. 
If fifth third was the last bank on planet XXXX, I would not use their so called services. 
Whatever type of resolution or retribution is available ... ... .I want it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TX

Complaint narrative:
I have a public record on my Transunion credit file I have submitted documents to dispute this item with no response. I have sent these documents certified mail so i know they received them.. I requested a method of validation for this bankruptcy that transunion says is accurate.. i contacted the furniture of public records which is XXXX and disputed this information I received evidence that there no record of a bankruptcy or ref number to that account in their system.. so Transunion claims to be verified as accurate is either untrue or just a lie but this information is inaccurate and should e removed immediately, I also sent identity theft and police report in regard this this matter and 12 INQUIRES that have not been address

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 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX has done XXXX  of dollars in charge backs. Chase Bank was made aware and I was told nothing can be done these activities are permitted even though items were sent directly to her house, expensive vacations to XXXX, XXXX, XXXX, XXXX XXXX and XXXX were all done by her. ( XXXX XXXX XXXX XXXX IL XXXX ) is her address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: MA

Complaint narrative:
Experian has violated the FCRA with XXXX XXXX XXXX account XXXX had been illegally Re-Aged. Re-Aging account is a very serious violation in reporting by Experian. This account has been illegally Re-Aged from XXXX to XXXX. This account has multiple FCRA violations. I have provided proof documentation directly from the credit report circled and highlighted showing the multiple FCRA violations. I have listed the multiple FCRA violations below for the CFPB review. 


( 1 ) Violation of the FCRA illegal Re-Aging account from XX/XX/XXXX to XX/XX/XXXX. 

( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times.

( 3 ) Violation inconsistent reporting by Experian with 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 2021-10-07 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: TX

Complaint narrative:
This complaint is against XXXX XXXX XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. ''

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 2021-10-07 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: Synovus Bank
State: IL

Complaint narrative:
First Progress has cashed a check for the amount of {$100.00} that was a pay for delete agreement written clearly and largely visible on the front. The check number was XXXX dated XX/XX/XXXX. This item was never deleted and in fact it was last reported XX/XX/XXXX this account is reported on a monthly basis and should not be! This account was labeled as a charge and is consistently reporting and has had me turned down for many things due to the fact it shows recent delinquency and that is incorrect! XXXX looks to have delete this item after contacting them in regards and providing proof. However this account continues to negatively report to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is crazy! The amount of incorrect information thats being reported on my credit report is ridiculous. These credit bureau should be ashamed of themselves and its not fair that they get to report what they feel like reporting and its hurting my personal life. I wrote a dispute letter XX/XX/2021 and sent it certified so I can make sure they get my letter. Im going to attach all my letters I sent out, return receipts that I got and proof of my Identity. I want this issue resolved immediately. Please help me take care of this matter CFPB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Flandreau Santee Sioux Tribe
State: IA

Complaint narrative:
I was left a voice message stating that I would be served legal papers for a court date on XXXX XXXX, 2021. I called the number back and was directed to a so called lawyer. This lawyer tried to get personal information and stated that I committed wire fraud on an loan with Rushmore Financial. I began to laugh, as I have not conducted any business with this company. Then the lawyer hung up. The phone number that called was a local area code, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: Phoenix Financial Services LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received an alert for XXXX XXXX XXXX, a collection from Phoenix Financial in the amount of {$510.00} for a medical bill was put on my credit. I immediately called them and spoke with someone trying to verify my information. Unfortunately they asked if my name was XXXX XXXX, I replied no it is XXXX XXXX XXXX, then she continued to ask me if to verify my address, well I guess XXXX XXXX lives in Colorado, I live in California and finally I was not born in XXXX. The lady proceeded to tell me they were in the wrong and I need to file a police report???? I have disputed this issue with XXXX and they found the dispute in the collection agency 's favor. Outrageous!!!! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called Pacer she also said whoever filed the bankruptcies did it themselves no attorney was involved. 
I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. 
I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX : Fraudulent check for {$4400.00} was cashed by an individual ( criminal ). He altered my check to XXXX to him personally and altered the amount from {$400.00} to {$4400.00}. My bank was Suntrust ( Truist ) and depository bank was XXXX XXXX XXXX ( XXXX XXXX XXXX ). Police report was filed. 

XX/XX/XXXX : Fraud identified from Truist statement, confirmed by check copy, and bank was notified of fraud. Bank teller printed check for review and agreed check was visibly fraudulent and bank manager was informed and agreed the check was visibly fraudulent, with obvious white outs and overwriting. 

XX/XX/XXXX : Bank called me once to request additional information. Phone number not recognized and call not heard. 
XX/XX/XXXX-XX/XX/XXXX : Ongoing contacts with Truist bank employees. 

XX/XX/XXXX-XX/XX/XXXX : Affidavit requested and returned. 

XX/XX/XXXX : XXXX XXXX XXXX notifies Truist of denied claim. XXXX XXXX XXXX states bank is not liable as bank was not notified of the alteration within 30 calendar days from the date the bank makes the statement on which the error first appeared available to you. 
XX/XX/XXXX : Truist notifies me of claim denial. Denial referencedXX/XX/XXXX denial for failure to notify the bank within 30 calendar days from discovery. Truist denial is unfair and abusive and justifies regulatory review, as the bank was not providing quality and service by administering the claim in a negligent manner that harmed the consumer. 

XX/XX/XXXX : Letter to Chief Legal Officer requesting payment. XXXX XXXX, XXXX : Claim denied. XXXX XXXX email to CLO, XXXX XXXX denied, follow up denied XXXX XXXX. XXXX XXXX, XXXX attorney letter to Chief Legal Officer requesting payment, XX/XX/XXXX XXXX claim denied.

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 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: TX

Complaint narrative:
i was being repeatedly called by discover financial to pay my credit card and in addition to that my personal information was shared with out my consent by this company and i did not appreciate that. My credit score took a dive because of this and i did not know i could dispute and contest this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
Kay Jewelers is causing an adverse effect on my credit. I would like to have this item removed from my credit report. The account was opened on XX/XX/XXXX and the alleged balance owed is {$250.00}. I personally recall paying off this balance back in XXXX over the phone. It has been over 6 years since this account was opened & it should be removed from my credit expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation