vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have been a victim of identity theft, noticed fraudulent accounta 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 2020-05-26 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: SC

Complaint narrative:
To Whom It May Concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize nor initiate any inquries made by GUESS WHO? XXXX  XXXX XXXX Inquiries : XXXX  XXXX XXXX XXXX I did not Initiate or authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

IF YOU COME TO THE CONCLUSION THAT I SUBMITTED AN APPLICATION VIA ONLINE please provide THE IP ADDRESS AND THE WEBSITE I USED TO SUBMIT THE APPLICATION. 

In the absence of any such documentation bearing my signature, IP ADDRESS AND WEBSITE USED TO SUBMIT APPLICATION I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number ANDSEND ME A COMPLETE UPDATED CREDIT REPORT AFTER DELETIING THE INACCURATE UNAUTHORIZED INFORMATION Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina 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 2020-05-26 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: FL

Complaint narrative:
I opened up dispute with credit bureaus last month in XXXX regarding this alleged debt, ,and I was sent a letter with no documentation stating that they have the legal right to come after me for debt. There is no proof I owe this alleged debt and and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: NY

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2020-05-26 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: NY

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
Barclay Card US Uber VISA Card changed their rewards program completely without informing customers. When I originally signed up for this credit card, they offered a percent back on " Dining & Entertainment '' and because of that I immediately began using the credit card for all of my dining. I have spent many thousands of dollars in the last year and a half of owning the card, but in XXXX of 2020 they changed the rewards program from allowing me to choose how the rewards are applied, to forcing me to create an Uber account and apply the rewards to that account. The problem is that I don't have an Uber account, and do not want to open an account. When I originally opened the credit card, this aspect of the card was not required to take part in the benefits program, and I was never informed that it may change. I was never informed that it DID change either. But now I find in the last week when I went online to redeem my rewards I can no longer do so because I don't have an Uber account. This entire time I've been using the credit card with the intention of using the rewards program in the exact same way they told me I would be able to use it when I signed up. I understand that some of the finer details may change, but now they've completed the bait and switch technique and are refusing to allow me to redeem the rewards that they promised me when I signed up for the credit card.

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 2020-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This collection Agency Midland Credit Management recently sent a letter advising of ALLEGE debt with creditor XXXX. The letter listed a random account #, amount owed, date the account opened, andthe date the debt was charged of. As of now, I am disputing the validity of this debt and I am requesting that XXXX  XXXX, the creditor indicated on the letter send me viamail " REAL PROOF '' regarding this alleged debt. Also, Midland has NOT considered the STATUE OF LIMITATIONS which varies per state when they bought this account in 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I opened up dispute with credit bureaus last month in XXXX regarding this alleged debt, ,and I was sent a letter with no documentation stating that they have the legal right to come after me for debt. There is no proof I owe this alleged debt and and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
1. 5 to 6 month ago my credit score dropped over 20 points. called Experian a week or so later my 20 points back. 
2. yesterday I receive an email that my score has changed. and again dropped 23 points for no reason. 
3. have not done anything I owe about {$300.00} to {$400.00} dollars with limits up to {$40000.00} 4. tired to keep calling, experian was tolled to file a complaint with you hope you can help thanks.

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 2020-05-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/XXXX statement USAA POLICY TO BEGIN INVESTIGATIONS USAA POSTS Adjustment Purchases which are internal temporary credits until merchant credits post while investigating TOTAL {$320.00}. ( WHY DID USAA POST TEMPORARY CREDITS OF {$320.00} XX/XX/XXXX IF NO FRAUDULENT ACTIVITY ON THIS ACCOUNT? ) see attatched XX/XX/XXXX statement Adjustment Purchases Temporary Credits TO BEGIN FRAUD INVESTIGATIONS TOTAL {$1.00}, XXXX WHY DID USAA POST THESE TEMPORARY CREDITS? THERE IS NO RESOLVE TO ANY OF THIS FRAUD XX/XX/XXXX & XX/XX/XXXX TOTALING {$2.00}, XXXX. BEGINING INVESTIGATIONS OF FRAUD NEVER RESOLVED.??? WHAT IS RESOLVE OF ALL THESE INVESTIGATIONS BEGUN XX/XX/XXXX & XX/XX/XXXX?? STATUES STATE 2 BILLING PERIODS RESOLVE. Why has there been no documentation OF COMPLETION OF THESE INVESTIGATIONS.?????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Block, Inc.
State: MI

Complaint narrative:
The company name as cash app I've been using them for a little while now and never had a problem until all of a sudden something happen with their system which made it seem like there is unusual activity on my card when I tried to resolve the issue by sending them everything that I needed that they needed they still have not responded if going on almost a week and a 1/2 and they have my money that was issued by unemployment for my bills and I can even use it and they're not trying at all the time to resolve anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: TN

Complaint narrative:
According to my credit report, my account with XXXX XXXX shows no activity in the second half of XXXX and the suddenly in XX/XX/XXXX it shows a 30 day Delq mark. It also reflects my payment status as " Current '' in XXXX and XX/XX/XXXX. 

This information in inaccurate. I disputed this with XXXX XXXX directly and they confirmed that my account did not reflect a balance or payment due between XX/XX/XXXX and XX/XX/XXXX. They also sent me a itemized transaction history of my account that reflects this. 

I disputed the information on my report directly with both XXXX  and Equifax originally as my credit limit was not accurate and also disputed the inaccurate payment history. I provided a response from both agencies that the information was verified as accurately reporting. 

I contacted XXXX XXXX back and was advised they never received any disputes from XXXX  or Equifax and again advised me.of my payment history. 

These two delq marks are causing me difficulty in obtaining preapproval status for a mortgage. I have exhausted all attempts to resolve this issue directly. Attached to my complaint is the documentation sent to me by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
I opened up dispute with credit bureaus last month in XXXX regarding this alleged debt. There is no proof I owe this alleged debt and and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Per my recent credit report, a collection was placed for the amount of {$82.00} on or about XX/XX/2018. Per the collection, the original lender is my XXXX office. I have never received a bill from my provider. There is no account number listed on the collection. This is not my debt.

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 2020-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
According to my credit report, my account with XXXX XXXX shows no activity in the second half of XXXX and the suddenly in XX/XX/XXXX it shows a 30 day Delq mark. It also reflects my payment status as " Current '' in XXXX and XX/XX/XXXX. 

This information in inaccurate. I disputed this with XXXX XXXX directly and they confirmed that my account did not reflect a balance or payment due between XX/XX/XXXX and XX/XX/XXXX. They also sent me a itemized transaction history of my account that reflects this. 

I disputed the information on my report directly with both Transunion and XXXX  originally as my credit limit was not accurate and also disputed the inaccurate payment history. I provided a response from both agencies that the information was verified as accurately reporting. 

I contacted XXXX XXXX back and was advised they never received any disputes from Transunion or XXXX  and again advised me.of my payment history. 

These two delq marks are causing me difficulty in obtaining preapproval status for a mortgage. I have exhausted all attempts to resolve this issue directly. Attached to my complaint is the documentation sent to me by 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 2020-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
My wife and I both have accounts with synchrony bank. Both my wife and My score has gone down in recent months to the mid 500s. We have been synchrony bank customers for a few year now and have never missed a payment on our cards. Now over the curse of the las t couples of month they have literly closed most of our account really throwing bad negatives on our 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 2020-05-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The problem was fixed on XX/XX/2020 on XX/XX/2020 they reverted the problem back now its showing late again. The creditor reported it was never late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I opened up dispute with credit bureaus last month in XXXX regarding this alleged debts ( Medical Bill and XXXX Bill ). There is no proof I owe this alleged debts and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida

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 2020-05-26 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: AES/PHEAA
State: MO

Complaint narrative:
Theres been multiple attempts made w/the servicer, FedLoan, as well as all 3 credit bureaus, which even shows in the remarks sections on my reports that Ive disputed under FedLoan. Two major issues, not being corrected. I have SIX ( 6 ) open loans w/ FedLoan, 4 of those loans are being reported CLOSED on XXXX . Those same 4, were originally owned accts by XXXX & transferred to FedLoan. These 4 loans show current & open on XXXX  & XXXX. 

XXXX Original Loan info : {$3500.00} disbursed XX/XX/XXXX transfer date unk {$6000.00} disbursed XX/XX/XXXX transfer date unk {$1700.00} disbursed XX/XX/XXXX transfer date unk {$2900.00} disbursed XX/XX/XXXX transfer date unk 2. My other major issue w/FedLoan is that only on XXXX  report in the remarks section, on the 4 CLOSED loans. My Chapter XXXX Bankruptcy information is listed as if I filed w/FedLoan included. NO student loans were included in my Chapter XXXX Bankruptcy, filed XX/XX/XXXX, later discharged XX/XX/XXXX. Bankruptcy case filed in XXXX  XXXX, MO. US Bankruptcy Court # XXXX XXXX. It was filed under my married name. Which I am now back to my maiden name. They can always verify that information, Ive disputed several times w/ documentation & it still has not been corrected by XXXX  nor FedLoan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 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: TX

Complaint narrative:
Ive contacted the company numerous times with no resolution on a XXXX XXXX account. This account is fraudulent. I have also Contacted all Three credit bureaus and only XXXX  has responded and stated to me to contact the company. 

I have yet to receive a response from Transunion and XXXX  on this matter

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 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I had opened an Account with chase bank. I recieved my debit card. And was trying to add funds to the Account. It would not let me..so I called chase bank and they told me I was cancelled because you guys called and told them I was a risk.. i have been having trouble with trying to get an Account because i had lost my job and have family tried to send me funds.. also have a inheritance in which I need to open 2 bank accounts to deposit these funds. I lost my job that should not be a reason for a bank or you to not allow me to open an account ... .I fell on hard times. I'm not a scammer nor am I a crook..and I can prove that this inheritance exists.. and I'm in serious trouble trying to pay off my debt.. this has been a nightmare for me and my Fience.. we are to be married soon but she is stuck in Georgia waiting for me to send her emergency funds from the inheritance.. which is stuck in court and waiting for me to give them Account information, I cant do that when you guys put me in a catastrophic situation.. I need help obviously, and its important that I receive this inheritance so I can pay off all my debts and start fresh.. thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Mortgage Research Center, LLC
State: NM

Complaint narrative:
I did not authorize Veteran 's United XXXX  XXXX to run a credit report on me. Twice they have pulled my credit without authorization. I did speak to a representative and asked that they not pull my credit report. My ex spouse who is the service member specifically stated to the representative that we are not married and that my credit should not be pulled for loan approval. I am not military affiliated and and no longer a dependent of a service member. 
XX/XX/XXXX and XX/XX/XXXX are showing on my credit report as inquiries by this company and also have listed my address as that of my ex husband and we do not live in the same state. 
It appears these inquiries have affected my credit score by a few points.

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 2020-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Theres been multiple attempts made w/the servicer, XXXX, as well as all 3 credit bureaus, which even shows in the remarks sections on my reports that Ive disputed under XXXX. Two major issues, not being corrected. I have SIX ( 6 ) open loans w/ XXXX, 4 of those loans are being reported CLOSED on TransUnion . Those same 4, were originally owned accts by XXXX & transferred to XXXX. These 4 loans show current & open on XXXX  & XXXX. 

XXXX Original Loan info : {$3500.00} disbursed XX/XX/XXXX transfer date unk {$6000.00} disbursed XX/XX/XXXX transfer date unk {$1700.00} disbursed XX/XX/XXXX transfer date unk {$2900.00} disbursed XX/XX/XXXX transfer date unk 2. My other major issue w/XXXX  is that only on TransUnion report in the remarks section, on the 4 CLOSED loans. My Chapter XXXX Bankruptcy information is listed as if I filed w/XXXX included. NO student loans were included in my Chapter XXXX Bankruptcy, filed XX/XX/XXXX, later discharged XX/XX/XXXX. Bankruptcy case filed in XXXX XXXX, MO. US Bankruptcy Court # XXXX XXXX. It was filed under my married name. Which I am now back to my maiden name. They can always verify that information, Ive disputed several times w/ documentation & it still has not been corrected by TransUnion nor 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 non-monetary relief