vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This report is for Experian Small Business Credit Report Service. 

I have been attempting to remove a Judgement from my Company 's Credit Report since XX/XX/2022. When I first attempted to get my free business report, they told me I wasn't elligible. So I purchased the Subscription to monitory my report monthly... I submitted a ticket to remove the judgement and sent them the documents showing the Judgement was not correct or owed. 6 months later, they told me that the judgement was correct and closed the case. I opened a second case to start the process over again. Still no response. 

They constantly give very little information or some direction on how to remove the judgement from our record that is not correct. They don't answer their emails and very rarely answer the phone or if they do answer they just say they are working on it. We won the case in court that shows on our record... but for some reason they still show that we lost the case. I have been unable to secure a line of credit for my business at a decent rate at a time when I need it most. I need help. This is damaging our business. I don't know how to get our record cleared at this point.

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 2022-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
We received a letter that someone applied for a mortgage on our home. IT Is NOT US. 
What do do we do now to protect ourselves against this fraud. We have NO Mortgage or liens against the property.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: NY

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX They ran hard inquiries on my credit. I do not know who this company is. I have also been calling them and unable to reach anyone at their company. I believe it is a fake company and would like the inquiries investigated and removed from my 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 non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
On XX/XX/2022 I disputed a debt unknown to me through XXXX XXXX from Portfolio Recovery. The account was not immediately marked disputed, nor have I received paperwork regarding the outcome of that dispute within the 30 days they have to send me one. I then received legal paperwork taking me to court on the XXXX of XXXX. I contacted portfolio recovery via the number given on the legal paperwork stating I had never received any information regarding this debt and requested all information be mailed to me. Again the account was not marked disputed, I did not receive said paperwork. Contacted them again on XX/XX/2022, was informed the account in fact had not been marked disputed but could be today, as well as my paperwork had just been mailed out that same day employee was unable to answer any of my questions. Contacted company again a week later as no paperwork had gotten to me, was informed it was sent, then the employee back tracked on what she had told me saying it shows I never requested any paperwork. After looking into all credit reports the dates they opened this account dont even match on most of them it shows multiple dates. This company has violated a few different FDCPA rules, and still has yet to get me any further information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: TX

Complaint narrative:
I have disputed multiple account working on my credit report to no avail. I do not believe a fair and accurate investigate was conducted into the accounts. I am requesting again a complete and accurate DEBT VALIDATION of the accounts. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I wish to receive accurate reporting of accounts, complete report with validation method and itemized report of debt due and a signed copy of debt origination with my signature. 

XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX According to the 15 USC 1681 , i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my information with third-party people. I believe these are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: VA

Complaint narrative:
On XX/XX/2021 a check that was sent to refund our client their funds that were held in trust, was stolen, altered and cashed by another person. It came to our attention on XX/XX/2021 that the funds never made it to the client and were stolen. We immediately called our bank that day to alert them and start the process of getting the funds back. After submitting the required paperwork to our bank in the required time frame, Chase, as well as speaking with the local bank that cashed the check and filing a police report against the person, we continue to not have our clients funds returned. The person who stole the funds has been arrested and the other bank had the funds ready to return. For 8 months we have been reaching out to Chase to find out what is going on and getting the run around. They state they have been contacting the other bank while the other bank has never received any communication and has tried reaching out to Chase. Chase refuses to reach out via other methods other than mail to push for the funds returned or refund the funds until they can get them returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: FL

Complaint narrative:
Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from Unknown with account # XXXX and a balance of {$75.00}. The original creditor is Unknown. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Filed a complaint against Clarity on XX/XX/XXXX, for inaccurate reporting to the CRA, particularly Experian. Until then, this issue has not been resolved. Nor has Clarity provided verification and validation of such debt. I am requesting immediate action on this item by informing the company to cease and desist from reporting inaccurate information to my credit report. This violates the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, not to mention Defamation of Character. I have been a victim of identity theft and have been fighting since XXXX to keep my file updated. Hence, I am taking a vigilant approach to protecting my credit report and FICO score, which as of a couple of days ago was 755. Because of this erroneous reporting, my FICO score has dropped 60 points. Reporting the medical collection also violates my HIPAA rights as I do not and have not ever had a medical account with 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 2022-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: KY

Complaint narrative:
XX/XX/XXXX I got an email that my savings and checking accounts at Discover bank had been closed. I called multiple times speaking to representatives from their security team ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX ). No one could tell me why the account was frozen. When asked when I would get my money back, they told me 60 days from the last date of deposit. Which would of been XX/XX/XXXX. Randomly, I received an email about a month or so after saying my accounts were closed. XXXX on XX/XX/XXXX said that i would not get my money back until 60-90 days. This was the first I had heard of 90 days at all. On XX/XX/XXXX, I spoke to XXXX who then said it has to be XXXX business days, and that they had until XX/XX/XXXX to release the funds. She offered to email " them '' to expedite the release of the funds. This was with no guarantee that it would actually happen. The XXXX business days was also new information. There has been nothing but inconsistencies with them. They do not tell you why your accounts were closed and treat you as if you are doing illegal activity. They refuse to give me my money back pending investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I contacted Synchrony bank after my last payment in XX/XX/2022 and let them know I was having a hardship and would be late on payments until XX/XX/2022- I was informed that as long as I resumed payments by XX/XX/2022 my account would remain open. I was not offered hardship assistance. On XX/XX/2022 they closed the account with out notification which has now ruined my credit for the next 7 years and will prevent me from buying a car or a home.

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 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted an application for the Capital One Saks Fifth Avenue Mastercard at the Saks Fifth Avenue store in XXXX XXXX XXXX. At the time, the employee failed to informe me that if I had an existing store card my application was going to be automatically declined. A few day later I received a letter from Capital One declining the application due to having too many Capital One Saks Fifth Avenue accounts. After the letter, I called Capital One and I was told that because I had already a XXXX account my application was declined and the only way to have the application re-reviewed was to close the existing account which I agree to close the account and have the application review again. I just received another declined letter stating the same thing the first letter stated which is the application was declined due to having too many Capital One Saks Fifth Avenue accounts. Today, XX/XX/2022, I called Capital One and I was informed that even though I closed my original XXXX account the application was automatically turned down because their system does not recognize that the existing account had been closed which I was never informed on my first call. I believe this a deceiving practice and now my credit card was pulled. If this information had been giving to me before submitting the application on XX/XX/2022, I would have been able to make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: FL

Complaint narrative:
This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me!

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 2022-08-22 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: FL

Complaint narrative:
This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me!

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 2022-08-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LEXISNEXIS
State: GA

Complaint narrative:
LEXIS NEXIS SUPPLIED FRAUDULENT INFORMATION TO THE CFPB regarding complaint # XXXX. Lexis Nexis stated the information was removed per the letter to the CFPB, my insurance rates yet increased again to {$430.00} dollars a month starting in XXXX. I was notified via another Insurance Company as their rates were vastly different with a rate of $ XXXXa month. 

LexisNexis has violated the following : 1. 15 USC 1681 ( a ) ( 4 ) " Infringed Upon a Consumer 's right to privacy '' and 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I had recently received notification from a customer service representative from XXXX as my insurance rate has increased ; when I inquired about the increase in my insurance premiums, the rep advised that it was due to a report obtained from Lexis Nexis and a ticket that I was reported in XX/XX/2021 I am still waiting for the case to reset regarding the alleged ticket issued due to the request for reasonable accommodations based on my XXXX. ( See attachments from the courts ). Therefore, the Information obtained is inaccurate and fraudulent at BEST. 

Accordingly, I REQUEST THE FRAUDULENT INFORMATION THAT IS BEING REPORTED TO BE REMOVED EFFECTIVE IMMEDIATELY BEFORE A LAWSUIT IS ENSUED AGAINST LexisNexis/XXXX 

Based on my XXXX and the discriminatory terms provided I will also contact the U.S. Department of Justice civil rights against LexisNexis. I am REQUESTING USAA DELETE THE INFORMATION FROM LEXISNEXIS due to their violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. 

A complaint with the FTC and CFPB along with Securities and Exchange Commission ( SEC ), Commodities and Future Trade Commission ( CFTC ) and the IRS will be filed to include the Department of Justice for FINANCIAL CRIMES AND INSURANCE FRAUD. I am utterly disgusted of the fraudulent, deceptive business trade acts of the insurance companies and banks and LEXISNEXIS for provided the deceptive information to a federal agency to avoid penalties. However, they continue to has no regard for stealing from consumers by any means NECESSARY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: NJ

Complaint narrative:
I applied for a credit card just now and and was notified by the credit card company that I applied to that they couldn't give me an answer because my Experian credit information was frozen. I have no idea WHY it was frozen because I never requested this. 

They gave me an XXXX # to call Experian and get the credit unfrozen. I have spent the last hour trying to do just that and realized that Experian offers absolutely no option to do so at that number. Also, no way to speak to a representative or human being in order to express this. You can FREEZE your credit at that number, but there is no option to UNFREEZE. I tried choosing every option they make available, and there is none for unfreezing. Also, I kept saying " representative '', but the recording kept repeating back that they would let me speak to a rep only after they figured out how " best '' to direct my call to the proper representative, and then kept offering me the same automated options and did nothing to actually direct me to a representative. After trying this several different times, hanging up each time and redialing and exhausting every option they offer, I went online to see if there was any other customer service number. Of course there isn't! 

I then decided to try and unfreeze it online. I had to go to the trouble of setting up an account, which I tried to do. Then they said they were going to need 2 forms of ID and specified what they were, and said you could either mail them in or call a number to find out how to submit them. Only it turns out the phone number they gave for instructions on submitting them was the same one which I had just been trying to find the proper option on for an hour, and which I was now intimately familiar with, and which I damned well knew didn't have any such option.

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 2022-08-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
On XX/XX/2022, I came to XXXX to browse only. They pressured us into checking to see if we could possibly get a pet through financing. An associate named XXXX said that they had financing options that had nothing to do with credit. She said there would be no hard inquiry and no strings attached. She told me that I was approved for financing if I wanted to take the dog home, but I refused the offer. I received an email today, XX/XX/2022, that I had a new credit card with Comenity Capital for {$11000.00} ( For XXXX  ). I never signed a paper for XXXX to inquire credit wise, nevertheless sign for a credit card. I had the card closed immediately, since I didnt want it and will never use it. It is not yet showing up on my credit report, but I would like neither the hard inquiry or the closed account be on the credit report since it was unauthorized. XXXX has no paperwork to support that this was not a fraudulent opening of a credit card on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 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: CA

Complaint narrative:
Since XXXXXXXX XXXX XXXXXXXX XXXX XXXX reported to the 3 credit bureaus a false address - XXXX XXXX XXXX, XXXX XXXX Ca XXXX ( which doesn't exist ) and a suspicious credit card under my name and that affected my credit score for years.

Company response to consumer: Closed with explanation