vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-04 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: DE

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: PA

Complaint narrative:
Last month received a credit card application for XXXX XXXX from Chime. My information has been on the web and had the same problem with XXXX. I tried to call Chime but could not get anyone. They said need to respond by email. After several emails explaining the situation Chime has not taken any action. Got so frustrated I went to the XXXX  and had them work with Chime. Still no action by Chime. 

Every email Chime asks for something else which I have sent to them. 

I already opened a police report with the City of XXXX. They said you can freeze your credit. I said it is frozen. XXXX Police responded " they issued a credit card and your credit is frozen ''. 

I have also sent a copy of my drivers license and a picture of me holding my drivers license signed and dated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: AZ

Complaint narrative:
Just pulled updates of my credit report! I dont see any changes! It makes me worries, because I dont know who is using my personal information. I never applied for it!

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 2022-01-04 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: DE

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-01-04 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: CA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are some accounts on my credit reports that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are some accounts on my credit reports that I do not recognize.

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 2022-01-04 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To Whom It may Concern, Chase Credit Card services has failed to address the error reporting to my credit report. I have forwarded detail information to them that gives them ample reason to remove all derogatory information reporting to my credit profile. 

Furthermore Chase is violating the FCRA ( fair credit reporting act ). The late payment they are reporting is not derived by way of a purchase but is the cause of an internal annual fee. 

Please see the attached letters i have written to chase for your consideration in resolving my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: TX

Complaint narrative:
I have reached out to Equifax and also to the collector XXXX regarding the account in question. They are reporting this account as an open account and reporting the payment history as " OK '' in the history section. however in the account status they are reporting this as derogatory account/ collection account. I was trying to investigate this account but there is not an original creditor listed for me to reach out to to validate this debt. Please have this account removed as it is hindering my credit and i cant validate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: TX

Complaint narrative:
I have reached out to both Equifax and the Collection agency Named XXXX XXXX XXXX regarding this account. I have asked them to validate this debt. This account is unverifiable not listing the original creditor for me to investigate and is also falsely reporting inaccurate information such as XXXX is reporting a date of last activity as XX/XX/XXXX while Equifax is reporting a date of last activity as XX/XX/XXXX. In the payment history, XXXX continues to report this account as a charged off account, while Equifax is reporting " OK '' payment history on this account up to XX/XX/XXXX late 120 days. I don't even recognize this account and its erroneous reporting is damaging my ability to get credit needed. Please investigate and have this account removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: TX

Complaint narrative:
I have reached out to both XXXX and the Collection agency Named XXXX XXXX XXXX regarding this account. I have asked them to validate this debt. This account is unverifiable not listing the original creditor for me to investigate and is also falsely reporting inaccurate information such as experian is reporting a date of last activity as XX/XX/XXXX while XXXX is reporting a date of last activity as XX/XX/XXXX. In the payment history, Experian continues to report this account as a charged off account, while XXXX is reporting " OK '' payment history on this account up to XX/XX/XXXX late 120 days. I don't even recognize this account and its erroneous reporting is damaging my ability to get credit needed. Please investigate and have this account removed immediately

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 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have ( had ) a Synchrony Bank Care Credit card. This card specifically for medical or veterinary care. I got it when my dog was sick and needed life-saving treatment. I made all the payments on time and had a zero balance. I kept that card because if another medical emergency came up, it was peace of mind to know I could pay whatever was requested up front and then pay off the card later. This weekend I was alerted by XXXX XXXX that my card had been closed. As a result, my credit score went down. 
I called Synchrony Bank on XX/XX/22 and they said in their fine print they can close any account at any time for any reason. In my case the reason was inactivity. But it's not a card where you can just occasionally charge something somewhere and pay it off, since it's only for medical or veterinary use. They told me my only recourse was to reapply for the card again. I told them that would impact my credit score twice. I asked to speak to a supervisor who told me the same thing - that they closed it due to lack of use, and that there was nothing they could do.

This is unfair and frustrating. Not only was my credit score negatively impacted but now I do not have that card or the peace of mind that came with knowing I could pay in an emergency situation. Looking online, I see that this is a common occurrence with Synchrony. It is so wrong. I hope you can do something about it. 

Thank you. 

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 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: NY

Complaint narrative:
My mortgage company incorrectly sent a payment to an insurance company that does not ensure the property that they hold the mortgage for. They basically double-paid for another policy. They used a policy number and amount that correspond to a different policy. They incorrectly paid {$3300.00} out of my escrow account and now won't refund or get the money back. please see attached the policy number does not match this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
I was checking my credit report and I dont understand why you put these negative accounts on my name. I m sure that someone have my personal information. I dont know where they came from

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
the Eviction history that is on my record should be empty due to the cases being dismissed, per the Judge noting should be on my Eviction history report because the cases was dismissed the company name is XXXX XXXX XXXX XXXX. Again the cases was dismissed they should not be reported at all. this is consumer Fraud because the case was closed and not to be opened nor shown on any record.

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 2022-01-04 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have reached out to XXXX and also to the collector MIDLANDCRE regarding the account in question. They are reporting this account as an open account and reporting the payment history as " OK '' in the history section. however in the account status they are reporting this as derogatory account/ collection account. I was trying to investigate this account but there is not an original creditor listed for me to reach out to to validate this debt. Please have this account removed as it is hindering my credit and i cant validate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
To Whom It Ma Concern : Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that there appears to be a late payment for XXXX 2017 reported by Kia Motor Finance. My payment due date at that time was the XXXX of the month. My XX/XX/2017 payment ( due on the XXXX ) was actually paid on XX/XX/2017. I have tried disputing this with XXXX however, they do not investigate and only submit an electronic request to Kia. Kia then responds that the information is accurate so they refuse to do any further investigation.I have spoken directly with them and they refuse to obtain any records fromn Kia and inform me that I need a letter from Kia in order to have the inaccuracy fixed. 

I feel that these agencies are not willing to aid the consumer, but in essence allow businesses to continuously report inaccurate information which negatively impact the consumer. 

I have attached records of my payment due date and payment history for your review.

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 2022-01-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XXXX is reporting my USAA old credit card account incorrectly. Paid XXXX XXXX {$350.00} to settle in full the {$800.00} balance on XXXX per USAAs instructions. I have a letter dated XXXX from XXXX stating I have a XXXX balance with USAA Savings Bank acct ending in XXXX after my payment. The letter also states the account is now settled in full. I uploaded this letter to XXXX, but they would not delete the incorrect info on my account saying I have a {$430.00} balance left on the account and they did not put settled in full on my USAA account on the credit report. I disputed both online and via phone again on XXXX with no change. Yet both XXXX and XXXX updated my account correctly within 3 weeks to {$0.00} balance and settled in full and my scores went up. My XXXX credit report is lowered due to incorrect reporting. Please fix asap!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/21 I opened a savings account in a branch so I could better manage my money. I was told I wouldnt be charged any fees on the account if I didnt transfer money from the account more than the allowed times per month. 

In XXXX, I noticed a fee was charged for {$8.00} and had no idea why. I reached out to BofA and was told to message them on XXXX and asked for the fee to be waived and how I could avoid the fee in the future. 

I was called by XXXX, ID # DYYJC today and he was rude and combative from the beginning. I let him know I was never given any information pertaining to the fee that was charged and he said there may have been a promotional period on the account to prevent the fee. I advised I never got any emails, letters or papers from the branch I opened the account in and that Im a college student taking care of my mother who just recovered from XXXX XXXX. He still refused to waive the fee and told me Im liable even though Ive never had a fee waived prior in reference to this account. This is the first time Ive requested this fee to be waived and its robbery for BofA to tell me Im liable for a fee I had no idea about. We are in the middle of a pandemic and the {$8.00} fee is enough for food and gas, yet BofA decides to nickel and dime me with no reasonable explanation. Had they waived the fee and told me how to prevent it, I wouldve been satisfied. However, they did nothing of the sort.

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 monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE & Weiner at XXXX XXXX XXXX XXXX XXXX CA XXXX has been sending me collection notices in the amount of {$910.00} the collected has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: MD

Complaint narrative:
Experian is reporting incorrect unverified incorrect Bankruptcies on my credit report i have requested several investigations into my correcting my report but the issue still hasn't been investigated or corrected and was claimed to be verified through XXXX i recently obtained a copy of my XXXX report which show no Bankruptcy being reported so i am requesting and investigation to correct the issue

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 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
They are constantly locking my prepaid card claiming its fraud then putting a person on the line that doesn't speak English

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 2022-01-04 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: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
The following account is showing on my credit bureau. I have no knowledge of this account. I have been a victim of name fraud- there have been multiple accounts and claims made in my name. This company has not provided me with any information, or a copy of the application to have this added to the police report. I did not open an account with this company in XXXX as it is reporting on the bureaus. I have now been denied a student loan due to this fictitious information. I had disputed the information with the bureaus and was told it meets fcra requirements even though no documentation has been provided. I have attached the police report referenced above. 
Account name RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4900.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance - Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation