vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The balance of {$7500.00} and past due amount of {$600.00} is not correct because I disputed the charge with XXXX XXXX  and they neglected to conduct the dispute investigation in a thorough manner and did not look all the documentation we provided. I never signed on the receipt of services for which the credit card was charged. 
The credit reporting agency, did not investigate my dispute and did not change my credit report and score.

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 2020-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: KY

Complaint narrative:
The card said to register for online order. I did so. Then the card did not work. Now the website for help and to register the card does not work and the phone number only says there will be an extraordinary wait time and hangs up.

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 2020-09-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7700.00}, {$3500.00}, {$3200.00}, {$11000.00}, {$15000.00}, {$18000.00}, {$0.00}, {$10000.00}, {$3400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- XXXX ACCOUNT 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my 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 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years I have attached a copy on my ID for the correct spelling of my name. Please remove any and all variations of my name and misspelling. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years I have attached a copy on my ID for the correct spelling of my name. Please remove any and all variations of my name and misspelling. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
XX/XX/2020 I paid XXXX dollars I owed to credit management collection company. That payment was initially supposed to go to XXXX  XXXX  XXXX. I paid by money order and mailed it to credit management. I called XXXX  the day I mailed it to let them know. I told them my info, they gathered it and said fine. I called credit management about a week after I mailed the money order to see if they received it and they told me no they haven't. Waited another week called them and they told they do not have my case anymore, spectrum took it back. So I asked you did received payment they told me, we sent everything to XXXX. So I asked is my balance paid with you guys and they said it's not paid but you need to call spectrum because they have your case now. I called XXXX  and now they are saying they don't have any history of me being a customer which I was. And just 2 weeks XXXX  agent and I gathered my information on the phone in there system and now they tell me they don't know who I am.  Neither one of them know what's going on now that I paid them. So I called credit management back and complained about how they had my case and spoke to them before I sent payment and all of a sudden you don't have my case anymore. The agent from credit management kept saying at least it's off your credit report. So I was happy it was off my credit report and had hoped XXXX  got paid and removed me from there system. Now 2 months later on XX/XX/2020 another credit collection agency by the name of XXXX sent a collection notice for the same balance. I really believe all 3 companies are in this together. And I believe XXXX is the same as credit management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc.
State: WA

Complaint narrative:
I originally tried to open a Sofi Money account in XXXX using my sister 's referral. The application would not process because I had started an application over a year ago with a different email and that email had to be used. I spent several weeks figuring this out with customer service and getting access to my old account that had been set up with my previous application. Then I applied again with their new {$120.00} offer and the application wouldn't let me upload my Driver 's Licence. I eventually got this to work, but was declined because the info on my driver 's Licence didn't match. I got this figured out with customer service that my old profile had the wrong info. I finally got my application submitted the deadline of the {$120.00} promotion, but my account said it was setting up and I was unable to transfer money in to meet the qualifications of the bonus. The customer service rep I talked to said not to worry and to get the money transferred in as soon as I could. Fast forward to XX/XX/XXXX, and customer service refused to give me the {$120.00} bonus because I did not meet the deadline, although the previous said it was ok. I asked if I could possibly get the referral bonus that I had applied through so long ago, and they said that deadline for that had passed as well, and I'd get nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: TX

Complaint narrative:
I got an sba loan from government. Sba check my personal tax and approved XXXX. The amount transfer into my account, when i try to spend the money on the business Chase bank doesnt want to release the money. They ask for my tax return, my business card, i also have my cpa wrote a letter to verify my business. I prove all of it, then Chase say still doesnt work, denial all my proof. They believe my business is fraud.Then Chase say i got 10 days to fix it, if not they close up my account. In the mean time, they freeze all my account. 10 days later they send a check for the rest in account, and took the loan, but as right now, i still owe the loan to sba, but i dont have the money with me. Im not sure what they do with it. Chase close down my account, even with online banking, i cant check anything to see where the money go. I got total of 3 different business with my husband, the other two are approved, we got the money but this last 1 is for sole proprietorship, Chase had me run around for all the paper then turn around decline all proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I contacted Experian about an unauthorized request for my credit history from a company I have never had any dealing with. They successfully took the inquiry off my credit and I placed a fraud alert on my credit report. On XX/XX/XXXX, I discovered that they had failed to contact XXXX to place the fraud alert on that one.  XXXX, however they did. It is my understanding that whenever one contacts one of the agencies, it is their responsibility to inform the other two agencies and this was not done. Also, I have now received a bill from a debt collector telling me that I owed money on an account that I did not open. The complaint here is, WHY did the creditor not contact me the way they were supposed to by calling me to verify it was me opening the account? This one goes back to 2 years ago when I placed the FIRST fraud alert on XX/XX/XXXX. Im very upset at the fact that thieves were able to not only open accounts fraudulantly using my identification, but also that they were able to do it WITH a fraud alert in place. The company in question here was XXXX XXXX. Overall, I am very unhappy about the way this system was so easily overridden. What is the point of having a fraud alert in place if the creditors wont follow the rules and call me like the alert asks them too??

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 2020-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I called in XXXX of XXXX to ask my account be reopened and/or to remove closed status off of my credit report. I was told this was not possible then they updated my credit report to reflect the date of my dispute when it needs a close date of XXXX. This incorrect date of XXXX impacts my credit negatively. Because it pushes the the recorded time on my credit report out until XXXX instead of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 I contacted Capital One to let them know that XXXX was showing that negative mark on one of my Capital One accounts. XXXX would not give me details about this negative mark and asked me to contact Capital One. I told Capital One this did not make sense since I did not have a balance with them nor have I made a late payment. In fact, I have not had any balance with Capital One for many many months. I told them this negative mark by Capital One was causing a significantly lower credit score ( by 30 points at least ) on my credit report. The Capital One representative could not tell me what they negative mark was and told me to write to Capital One. I have written to Capital One ask them what negative mark they put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my 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 2020-09-07 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I have been doing everything in my power especially during the pandemic to make my credit score go up and it has but yesterday I noticed that Nissan reported a negative comment on my report during in the pandemic I was late with one payment I decided to dispute it yesterday and today my credit score went down 18 points why is that when I have already turned in my car lease and why would they give me a negative report during the pandemic causing very very sad

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My employment was affected by Covid 19. I informed Capital One and they have assistance but I was charged late fees and I was credited the fees except for one that is {$25.00}. I called in XXXX and was told it would be credited. I then called in XXXX and told the same thing. But when I called in XXXX I was told they would not credit the {$25.00} fee cause it was from XXXX. That's not what I was told therefore I it should be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I contacted XXXX XXXX to let them know that Transunion was showing that negative mark on one of my XXXX XXXX accounts. Transunion would not give me details about this negative mark and asked me to contact XXXX XXXX. I told XXXX XXXX this did not make sense since I did not have a balance with them nor have I made a late payment. In fact, I have not had any balance with XXXX XXXX for many many months. I told them this negative mark by XXXX XXXX was causing a significantly lower credit score ( by 30 points at least ) on my credit report. The XXXX XXXX representative could not tell me what they negative mark was and told me to write to XXXX XXXX. I have written to XXXX XXXX ask them what negative mark they put 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 2020-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I HAVE REPORTED TO THE DEPARTAMENT OF IDENTITY THEFT that my identity was stolen. and sent copys of the IRS with the stam ( oficial ) that i was victim of the of identity theft. 
I HAVE CALL AND TELL THEM ( XXXX  XXXX ) AND THEY FORWARD ME TO THE COMPANY ( RECOVERY PORTAFOLIO OF XXXX  XXXX ) explaining that its not my account or my balance, I request politly to remove this balance from my credit report. 
Prortafolio Ricovery XXXX XXXX XXXX XXXX  XXXX Immediately. they has done nothing. 

please let me Know if need to report this incovenient to the appropriate goverment departmen or to have an attorney for this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are allowing Opportunity financial to continue to report incorrect information on my credit report. The credit bureaus are not doing a hands on manual human being method of verification. They are  using companies like XXXX XXXX, etc.,. They are using a machine to decide & verify & validate this account. That doesnt take into account what the consumer is disputing. This machine is ruining peoples credit. This is so unfair. I have continuously tried to explain to opportunity financial & the credit bureaus why this balance is incorrect. Neither company will budge or verify. Please follow suit with XXXX XXXX and delete this from my account. By law I have the right to dispute inaccurate info and have it removed. You can see the amount was originally paid down & wage deductions. Thanks for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I just pulled a copy of my credit report and noticed several fraudulent accounts on my reports.I have reached out to the bureaus several times to no avail.

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 2020-09-07 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: AL

Complaint narrative:
I just pulled a copy of my credit report and noticed several fraudulent accounts on my reports.I have reached out to the bureaus several times to no avail.

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