vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Erroneous, damaging information was not removed from my credit file. Experian, XXXX, XXXX  did not verify information within the prescribed 30 days. Have not removed erroneous accounts from credit file.

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 2020-10-15 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: CA

Complaint narrative:
THIS IS NOT A DUPLICATE CLAIM. EQUIFAX HAS NEVER RESPONDED TO THE FAIR TRADE CREDIT REPORTING ACT/LAW THAT STATES THEY MUST INVESTIGATE WITHIN 30 DAYS!

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 2020-10-15 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: AL

Complaint narrative:
Experian is not giving me point toward my credit for lowering my utilization and paying my bills on time for the last 9 months. They are inaccurately reporting information on my FICO 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 2020-10-15 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 — Card was charged for something you did not purchase with the card
Company: KEYCORP
State: NY

Complaint narrative:
I am a long time customer of Key Bank and have always had my savings linked to my overdraft protection. The manager of the branch kept telling me I needed a card but I never authorized or activated it.

They sent me a card and I still have it never activated as I have {$100000.00} in my savings which has been linked to my account for 25 years.
In XX/XX/XXXX,

the bank without my permission or authority activated the card and disconnected the link between my savings and checking account. I only found out by the at least 5 phone calls a day I receive every day from the banks collection department. The branch manager where this error occurred refuses to address the inappropriate phone calls even though the bank error is under a bank internal investigation. The banks error is causing chaos with my good credit rating and the phone calls are bordering on harassment as no one at bank will take responsibility. I have over {$300000.00} in Key Bank and this was their error. No customer service skills. I am concerned that others have experienced the same problem a
s the issue seems systemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE CLAIM. XXXX  HAS NEVER RESPONDED TO THE FAIR TRADE CREDIT REPORTING ACT/LAW THAT STATES THEY MUST INVESTIGATE WITHIN 30 DAYS!

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 2020-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
FedLoan has incorrectly held my XXXX payment as " ineligible '' towards my Public Sector Loan Forgiveness payments. It alleges my payment was made outside of the 15 day window of when it was due,  however, my payments are always due on the XXXX of the month and my payment was made on the XXXX of XX/XX/2019. Therefore, my payment was made within the 15 day window. I would like this corrected immediately.

I have attached screenshots, the payment history, and the XXXX billing statement to show the due date of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo employees stole my ID and applied for loans in my name from the SBA and open accounts at their facility. I was forced to freeze my account and cards. Wells Fargo refused to contact the credit bureau to remove the inquiry from my report.

This has prevented me from using my accounts to buy gas or opening any other credit

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 2020-10-15 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: WA

Complaint narrative:
There are currently numerous inquiries and accounts listed on my credit report that I have no knowledge of. These inquiries and accounts were not authorized or initiated by me and was a result of fraud or malpractice.

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 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accredited Collection Service, Inc.
State: IA

Complaint narrative:
OnXX/XX/XXXX debt collected sent a notice in past due account. Paid bill within a week and asked for written confirmation debt was paid in full. Have repeated request twice and each time they give us different excuse for not sending out letter. They have also provided incorrect information before on how much was discounted by original company and when letters were sent out. When I have pointed out what occurred in the past they blame me. Original provider even admitted there was a mistake on their end on how process was handled

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 2020-10-15 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: IL

Complaint narrative:
XXXX XXXX and I agreed to a settlement amount for an account I was listed as a cosigner on. They assured me that the status would be updated with all three credit bureaus to reflect the paid with a XXXX   balance. I spoke with all three credit bureaus who stated that an update was not submitted. I was treated like a tennis ball in a tennis match regarding this matter by them and the credit bureaus. Each one off them begin to blame one another as being at fault for the inaccurate information being reported and reluctance to make the changes accordingly. The amount that is currently reported on my credit reports for this creditor is {$7400.00} with a status of written off as bad debt/collection which is inaccurate.

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 2020-10-15 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: IL

Complaint narrative:
XXXX XXXX and I agreed to a settlement amount for an account I was listed as a cosigner on. They assured me that the status would be updated with all three credit bureaus to reflect the paid with a XXXX   balance. I spoke with all three credit bureaus who stated that an update was not submitted. I was treated like a tennis ball in a tennis match regarding this matter by them and the credit bureaus. Each one off them begin to blame one another as being at fault for the inaccurate information being reported and reluctance to make the changes accordingly. The amount that is currently reported on my credit reports for this creditor is {$7400.00} with a status of written off as bad debt/collection which is inaccurate.

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 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/2020 I opened a new account with Chase Bank online. I received the new debit card and information to begin direct deposit by XX/XX/2020 I would also receive a {$200.00} bonus for doing so and how to download and use the Chase app on my XXXX. As I received SSXXXX I missed the XXXX deadlind for direct deposit so set up for direct deposit to begin in XXXX. I received a small rebate check from XXXX so using the phone app I deposited the check into my new Chase Account. It never rolled over to funds I could use. I then received a letter on XX/XX/2020 dated XX/XX/2020 that Chase would be closing my account as I had not provided them information requested. I immediately called Chase as I have not be asked to provide anything more. After a substantial hold the agent came back and said they were closing my account as the XXXX check is a third party check it isnt mine. I escalated immediately as this check is mine with my name and my address the same as this account. The excalation supervisor looked it all up and agreed there was nothing wrong on my behalf. The Chase banking system had linked it incorrectly to another persons account. I did nothing wrong. However Chase still was closing the account they could do nothing. I asked about them then opening a new account as they were the ones to mess up not me. I was flatly told if I wanted a Chase account it was up to me to go reapply. I recalled and asked additional agents. Emails were sent to the CEO of consumer banking and the Chairmans office. Nothing ever answered. I am owed back my XXXX money. I should have the bonus. Now I have no account for the SSXXXX  check. Chase thinks its fine. They XXXX  up on their systems. They call me the liar despite the proof is in their hands and they do nothing for service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: MD

Complaint narrative:
My credit report shows inaccurate information. An account on my credit report has been re-aged ( XXXX XXXX XXXX ) which is a very serious violation. I have a proof showing that. I have sent a letter to the credit bureaus to notify them but they did not reply to me, it has now been more than thirty ( 30 ) days and the inaccurate information is still on my report. I have the USPS return receipt showing that credit bureaus received my letter almost 2 months ago and they have still not replied to  me. In addition of being re-aged the XXXX  XXXX XXXX account shows a lot of inaccuracies such as incorrect payment history, incorrect high balance, incorrect credit limit

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 2020-10-15 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: LA

Complaint narrative:
i have been trying to get help with deleting these unauthorized inquiries from my credit report that are damaging my credit report.I have sent XXXX and Equifax letters on XX/XX/2020 regarding these inaccurate inquiries they are reporting against me and i have receive any documents to prove otherwise. Please assist me in this matter cause its causing me great stress and disappointment in getting things

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: MI

Complaint narrative:
Hello, I was notified by XXXX XXXX through XXXX XXXX about an inquire on XX/XX/XXXX. Inquire was from Small Business association, I called the SBA they explained that an individual has opened up a loan in my name for {$17000.00} they explained the steps I needed to do I called them back a few days later they stated that they stopped the approved process and stopped the check. I was told to submit a police complaint, I did hear nothing back from XXXX County as of yet online only. I have submitted online to XXXX, Equifax and XXXX and they have not removed this inquire either. I also am trying to press charges against the individual and seem to be getting nowhere. I have had fraud happen to me several times in the last 7 years, enough is enough. All these credit companies and business advocates make it impossible to clean anything,. So I will be taking this further and hiring a lawyer. I want all my duplicate inquires removed and especially the SBA inquire removed off my credit. I probably will just submit to State Police since County has not notified me in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: MI

Complaint narrative:
Hello, I was notified by XXXX XXXX through XXXX XXXX about an inquire on XX/XX/XXXX. Inquire was from Small Business association, I called the SBA they explained that an individual has opened up a loan in my name for {$17000.00} they explained the steps I needed to do I called them back a few days later they stated that they stopped the approved process and stopped the check. I was told to submit a police complaint, I did hear nothing back from XXXX County as of yet online only. I have submitted online to XXXX XXXX and Experian and they have not removed this inquire either. I also am trying to press charges against the individual and seem to be getting nowhere. I have had fraud happen to me several times in the last 7 years, enough is enough. All these credit companies and business advocates make it impossible to clean anything,. So I will be taking this further and hiring a lawyer. I want all my duplicate inquires removed and especially the SBA inquire removed off my credit. I probably will just submit to State Police since County has not notified me in a month.

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 2020-10-15 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: MS

Complaint narrative:
Customer service would not help and take care of inquiries reporting to credit report. 

XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
In XXXX my lease on a XXXX XXXX XXXX XXXX was coming to an end in XXXX. I leased a new XXXX XXXX XXXX XXXX from XXXX XXXX  XXXX. Part of the lease agreement was that XXXX XXXX XXXX would pay my last lease payment on the XXXX XXXX XXXX. 

XXXX XXXX XXXX failed to pay off the last payment in a timely manner ( they paid it in XX/XX/XXXX, 6+ months after signing the lease agreement ). This resulted on Hyundai Motor finance reporting me to the credit bureaus. 

I disputed this with Hyundai and was denied ( 5 weeks after sending in the letter ) stating " the disputed information is accurate as reported. '' I called Hyundai and they were unable to provide the information that was reported and refused to provide any further information to me over the phone. They advised XXXX XXXX   XXXX is a third party and is not responsible for the payment. Which means that I was held responsible for paying the final payment even though the dealership agreed to pay it contractually.

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 2020-10-15 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: MS

Complaint narrative:
on XX/XX/2020, i sent a dispute letter and update report for my information correcting the inaccurate items and information that they are reporting negative on my report.I haven't receive any documentation regarding the accounts that i requested.i have attached a copy of the letters below

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 2020-10-15 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I applied for a mortgage loan on XX/XX/2020 and was notified that an account was showing on my credit that was reflecting 4 times delinquent and was really hurting my credit score and causing the cost of the loan to be significantly higher. I had no clue who the creditor was, I got all the information on the debt that was reflected on the credit and called the company. 

The company reporting is SYNCB/Care Credit. 

I called the company on XX/XX/2020 and after they researched my social, date of birth name and address they confirmed they have NO RECORD OF ME AT ALL and that I have NO connection to the account or the poor marks they put on my credit. 

I requested a letter stating this, they said no. I asked them to please correct the credit report and they told me no, they would review this in " credit committee '' and would decide after that how to proceed. I explained they had verified I have no relationship with them and I needed this corrected, they didnt care and would correct the negative marks on my credit that will cost me additional thousands of dollars on my refinance.

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 2020-10-15 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: NC

Complaint narrative:
SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: NC

Complaint narrative:
SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT 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 2020-10-15 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

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 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: GA

Complaint narrative:
I made my XXXX payment on time in person with cash via XXXX XXXX and this company could not locate my payment. I have my receipt of this payment. Due to the company not being able to assist me with locating this payment I requested for my account to be closed. Now this company is reporting that I was 30 days late in XX/XX/2020 when my account with this company was closed in XX/XX/2020.

Company response to consumer: Closed with explanation