vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My XXXX credit score decreased by 38 points and the reason is not clear. I have over $ XXXX in credit with 100 % on-time payments. I have consistently kept my credit card balances within 2 % to 4 % per card and total credit across all cards.. I typically pay balances in full immediately or within 60 days. I had to replace the a/c in my home and used ~ {$7800.00} of one card that has a credit limit of over $ XXXX. My credit score immediately plunged and continued to decrease with each subsequent purchase. 

I worked very hard for nine years to increase my credit score from low 600s to 800s. I have earned my credit and should not be unduly penalized if I occasionally have to use my credit. My total balance owed across all cards is less than 10 %. I have significantly paid down or paid off installment loans while managing credit cards.

I can not understand the reason for the drastic changes in my credit 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 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Receivables Group, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX called requested information on file, called XXXX  XXXX to see when where and who. Hospital said the information I was given went to some one elses medical record. Address name and birthdate. Called healthcare i was told they would look into it called XXXX  XXXX  again to see if anything at there hospital was in collections other than the account I already had with a different company ran a diffrent computer check whichs came up empty. This company as of XXXX has added them selves to my XXXX and was already on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
A week ago, I received several chargeges from XXXX that I didn't order. 
After several fees and double charge, i still had a 59+ balance but my card kept getting declined. 
I have tried several times to make purchases and transfer cash but nothing works. 
I received a direct deposit from my paycheck, and I still can't access my money. 
This started almost 5 days ago, XXXX. 
The cuatomer service number is automated and doesn't give an option for any resolution. 
Please investigate American Express XXXX XXXX, Bluebird prepaid cards, I fear I am being robbed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23 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: GA

Complaint narrative:
I reviewed a current copy of my credit report and show inaccuarte accounts listed to my report. I also filed an FTC report with XXXX  and information was deleted and/or blocked and I show that creditors information was reinserted back to my report inaccuratly and or direct viloation for 15 USC 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Due to non-compliance from creditors and non-reciept of written notice which is beyond 5 business due to the reinsertion. I request to have all account listed attahced to FTC report deleted or blocked permanetly.

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 2021-07-23 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: GA

Complaint narrative:
I reviewed a copy of my credit report and show inaccuarte information listed. I filed an FTC report and Equifax has deleted or blocked informtion. I show that Equifax has allowed the creditors to reinsert informtion back on my credit report without my consent and or I have not be contacted which the law states that creditors must send me a wirtten notice with in 5 business day of items being place on my report. This is a direct viloaton of 15 USC 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account:XXXX debit:XXXX dispute chase bank my debit:XXXX been close since XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit acceptance has been reporting an account from the past as a current account. They are increasing my balance to this date every month for a vehicle I no longer have. The vehicle is at XXXX XXXX in XXXX PA XXXX. There is the phone number to validate this. The shop owner told me I can't have the vehicle because it belongs to credit acceptance. But credit acceptance is not releasing the vehicle to me!! This has been going on for years.. so here I am stuck with no vehicle. That I keep being charged for. This is illegal. If I am being charged I should have the truck!! But I can't get the truck. So which is it here. Give me the truck back if I still have an open account. They can't do both!! This is fraud. They have been found guilty years ago if fraudulent charges. Please help me here. I am also putting a picture of my report to show you my balance is being increased monthly for a vehicle that I don't have anymore that credit acceptance says I have. just call the shop yourself. They will verify all I have said in this letter. These people are crooks. This account should either be closed an placed as a charge off for a repossession or the vehicle should be returned to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Receivables Management Partners, LLC
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: GLA Collection Company, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: I.C. System, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
Penny Mac refuses to allow early partial payments of my mortgage. This seems like an intentional decision on the part of Penny Mac to make it difficult to make mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: CA

Complaint narrative:
I can not believe that Equifax decreased my credit score wrongfully AGAIN despite the fact that I had disputed ( Confirmation number : XXXX, Dispute date : XX/XX/2021 ) months ago for the very exact reason ( Decreasing of my credit score significantly upon a wrongfully late payment remark in our XXXX XXXX ( Auto ) account ). Equifax corrected my credit score after I had provided a letter from XXXX XXXX ( Auto ) showing that I had no delinquency and paid each of my payments on time and in full. Again, this was months ago. 

Today, I found out that Equifax decreased my credit score AGAIN for the very same reason. 

I am attaching a letter -AGAIN- from the aforementioned company in order to be added to my dispute file. 

Please correct this item in my credit report and correct and restore my credit score. 

Thank you for your time. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX a payment of XXXX was made for services that were never rendered. Within 90 days from the payment date a dispute was opened with American Express on XX/XX/XXXX regarding my dissatisfaction the services we did not receive. As the issuing cardholder I uploaded documents and stated the case that under the FTC I was dissatisfied with the Quality of Goods and Services I did not received from this merchant. The credit that was posted was recharged on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
status of any debt. All of the account statements that was sent to me in a positive balance was very deceptive in me thinking that I had a positive account balance every month not an alleged debt. The civil liability for this violation is {$1000.00}.

Pursuant to 15 USC 1692c- I did not give any prior consent to communicate to me about the collection of any debt. Communication is reporting any information to my credit file that suggest I owe an alleged debt. That is a direct violation and civil liability for this violation is {$1000.00}.

Pursuant to 15 USC 1692d- A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I am being harassed by having this alleged debt on my credit file and its damaging my reputation. You are purposely trying to oppress and abuse me with the collection of this alleged debt. The civil liability for this violation is {$1000.00}.

Pursuant to 15 USC 1692g- The validation of debt that was provided to me in past
account statements is incorrect. If this alleged debt was created from my open end credit plan my credit card which is my social security on the credit application then I would be the original creditor. If I am the original creditor to myself, how could I be in debt to myself? 15 USC 1602- Truth In Lending- tells me that my social security card is a credit card. Its not just a credit card but an open ended credit card. If I am the one who initiated the alleged debt and was given credit that I originally extended then how could I be forced to pay it back. Can you provide me any documents where I signed a Loan Application which would show that any money was actually given to me? If a Credit Application was signed then that is two completely different things and should be handled differently. I am the original creditor and I can not be in debt with myself. The civil liability for this violation is {$1000.00}.

I am a federally protected consumer and my rights are being violated. I am being abused and mistreated and my intelligence is being insulted with this alleged debt that you are sayin I owe. I demand that the account be deleted from your system and zeroed out in balance and any liability be taken away from me. I demand that any reporting of this account be deleted from any credit reporting agency system. I demand that any payments that was received on this account be mailed to me via check to my address. I demand
that I am paid {$7000.00} for the violations that was committed against me violating my consumer rights. I have been more than reasonable trying to get this issue handled for many month using communication through the CFBP and the FTC and I have a long paper trail. I refuse to keep being abused and taken advantage of. If my demands are not met then I will escalate my issue and seek further remedies! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief