vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have working DILIGENTLY on my credit and Transunion seems to be working against me at every corner. I paid of one credit cards, the account is still active and in good standing, which lowered my utilization but I loss 28 points! I am so confused as to why, I should have gained MORE points not loss them.

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 2021-11-01 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On XX/XX/2021, I placed an order for a used XXXX XXXX on Amazon.com. A 3rd party seller called " XXXX XXXX XXXX '' sold me the XXXX for {$420.00} on Amazon.com. On XX/XX/2021, the charge appeared on my Chase credit statement. I received the XXXX in the mail. I played the console for about 2 weeks, and then it refused to power on. I tried different power outlets and held down the power button. The XXXX would not power on. 

I went on Amazon.com and requested a replacement. Amazon.com shows that a replacement order was shipped and was scheduled to arrive by XX/XX/2021. The XXXX never arrived. I contacted XXXX and they reached out to " XXXX XXXX XXXX ''. " XXXX XXXX XXXX '' confirmed that they received the XXXX I sent back. The seller refused to send me a replacement XXXX or issue a refund to my Chase credit account. I contacted Chase Bank to file a claim for a refund. Chase Bank issued me a refund of {$420.00} while they investigated my claim. Then, Chase Bank denied the claim and reversed the {$420.00} refund. I closed the Chase credit account. Now, I don't have a XXXX and {$420.00} is charged to my ( closed ) Chase credit account, the charge will accumulate interest, and the charge will negatively affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I received Chase Debit Card in the mail. But I do not have a current Chase Bank account. This account was established fraudulently. I did not consent nor authorized this account to be established.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: FL

Complaint narrative:
The credit bureaus are NOT complying with their own policies in a timely manner! I have submitted a dispute by mail 30 days ago and have NOT receive a response or a dispute on these items listed on my reports. Equifax letter of dispute for acct # XXXX, XXXX, XXXX. XXXX  acct # XXXX, XXXX acct # XXXX. All have failed to comply in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: 2288984 Ontario Inc.
State: MS

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that XXXX XXXX XXXX, XXXX report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

Reference # XXXX Current Credit : XXXX XXXX XXXX XXXX XXXX Current creditors account # : XXXX Original Creditor : Money Key Original acct # : XXXX Current account balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: OH

Complaint narrative:
On XX/XX/2021, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX and I had been a Commenity Bank credit card holder for over 6 years. In XXXX and XXXX of XXXX Comenity Bank decided to close both my Lane Bryant and XXXX XXXX. I was told that the account were closed due to some negative information on my credit report. I found this out after I was trying to purchase items to buy in the store. I called customer service and they said that there were negative items that were on my credit report and they decided to part ways and shut down my accounts after 6 years of on time payment history. I was never late and always paid on time. I was entirely shocked and couldn't believe it at all. So I contact the credit bureaus and the items that were negative were not mines. These accounts were opened without my authorization. So I disputed the items as fraud I had to go and get a police report and FTC Affidavit and I forwarded these items to the credit bureaus and within a month or so the items were removed due to identity fraud. So having this new information I then mailed all these documents to commenity to show them that my accounts should be reopened as those negative items have since been removed as identity fraud. I called customer service and explained to them and they pulled up the documents and said this to me. The account was closed and they were unable to reopen the account and the representative also stated that they had received the documents before the account was fully closed but basically they dropped the ball and didn't update the account and just let it close. I said well you have the proof reopen and she said there is nothing that she could do it was out of here hands. I asked for a supervisor and still got the same response that yes we got the documents but there was nothing they could do because the account closed. I was livid this made absolutely no sense. If you know that Comenity made an error then your supposed to correct it. All I wanted was my accounts to be opened and then that was that. But all I received was the same events over and over. Nothing has been rectified and its not right at all. I need this to be resolved correctly and the accounts to be opened. I even tried to reapply and was denied because of the status of my other accounts and they told me to reapply and still didn't do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
Credit Corp Solutions sent me a letter stating that I owe a bill for {$120.00} to XXXX but never had a bill on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and also said its not on my credit report by asking me for information on myself which I didn't give to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
Franklin Collection Services is trying to collect a debt of {$1100.00} from " XXXX XXXX XXXX '' that I have no knowledge or am aware of. I am very aware of my rights and the Fair Credit Reporting Act. I demand that Franklin Collection Services provide documented proof ( My signature on a contract with them or XXXX XXXX XXXX ) that shows I had any sort of business with them. Otherwise I am prepared to take full legal action against Franklin Collection Services for illegally trying to collect a debt from me that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 my Stepson " XXXX XXXX XXXX '' suddenly passed away, I've been devastated, my family and I have been completely distraught, then on XX/XX/2021, I received an alert from my Experian monitoring service that American Express reported me 30 days late to the Credit Bureaus, I immediately contacted American Express paid the past due balance, American Express waived the late fee, however the agent said they could not help me with the late postings to contact their disputes department. I had no idea a payment was due for this account, I had paid the account in full on XX/XX/2021, I didn't receive my American Express monthly statement, I didn't receive any late notices or telephone calls from American Express. 
My credit score dropped drastically because of this late posting, I've had a perfect payment history with American Express and all my accounts, I've never once had a late posting to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
Got an alert from a credit monitoring service that a collection was placed on my credit report. I called the number listed on my credit report to see what it was about and explained to the gentleman that I never received any notification of ANY type of debt or any request for payment. He proceeded to rudely tell me that this debt had been to several other collections agencies ( untrue ) and now it was with them and I needed to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus are NOT complying with their own policies in a timely manner! I have submitted a dispute by mail 30 days ago and have NOT receive a response or a dispute on these items listed on my reports. XXXX letter of dispute for acct # XXXX, XXXX, XXXX. XXXX  acct # XXXX, transunion acct # XXXX. All have failed to comply in a timely manner.

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 2021-11-01 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: FL

Complaint narrative:
The credit bureaus are NOT complying with their own policies in a timely manner! I have submitted a dispute by mail 30 days ago and have NOT receive a response or a dispute on these items listed on my reports. XXXX letter of dispute for acct # XXXX, XXXX, XXXX. Experian acct # XXXX, XXXX acct # XXXX. All have failed to comply in a timely manner.

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 2021-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2021-11-01 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: GA

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 60 days!!! When I call to check on each respected document with each bureau ; I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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:
Information regarding a XXXX XXXX credit card was placed on my report. I was no notified and the information just appeared on my report causing my credit to be affected in a negative way. This information is not mines and is misleading others to deny me of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
We used our Capital One credit card to pay for a move from XXXX to XXXX. The movers contract stated that they would deliver in 30 business days or less. They didn't deliver until 40 business days and also damaged 50 % of our items and is claiming to the Capital One that they performed their services with no issues or damage. Capital One says they can't step in because its a legal issue. The Attorney Generals office disagrees and says that its a fraud issue and that they didn't fulfill their contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: TN

Complaint narrative:
Experian has a bankruptcy on my credit report and has failed to remove it. I have sent over dispute letters along with the letter from the court house they claimed to have used to verify this inaccuracy proving that they did not receive this information from them because they do not report these kinds of things to credit bureaus. They have placed this information on my credit report and will not remove it as asked. They have violated my rights according to the FCRA because they did not have my permission to violate my privacy and place this upon my report. This being on credit report has caused me great trouble and harm with finding a place to live and so many other life traumatizing things.

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 2021-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/2021 I made application for a credit card at Lowes. The information indicated that since I did this online, all I needed to do was to make my purchase and go to the Customer Service desk and they would process the transaction and use the credit card which would give me 5 % discount up to certain amount of the purchase and a 20 % discount up to a maximum of {$100.00}.

I made a substantial purchase totaling {$6500.00}, went to the Customer Service desk as required and was told my application was denied. The person at the desk tried to make application for the card again, but it was denied again. Obviously, I was a little confused/not happy, because I know my Credit Score is in the area of XXXX and have an impeccable payment record. She told me I would be receiving an explanation as to why I was denied. 

The letter I received from Synchrony Bank on XXXX XXXX is in the attachment. 

All of the reasons given in this letter seem to me to be reasons to accept my application. 

I called the phone number on the letter to find out what the issue was with my application and was inundated with a sales push from XXXX to get me to use their services and was told they will send out a letter in 15 days to explain why I was denied. I am assuming it will be the exact same information that I already received from Synchrony Bank. 

I purchase a lot of product from Lowes since they are 10 minutes away from my house and would like to take advantage of the discounts offered by having their credit card. 

This is the first time in my life I have ever been denied credit for anything.

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 2021-11-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today I spoke with the Experian resolution dispute center. They were rather unhelpful in that they denied that there were any issues with my payment history even though they stated on their website ( screen shot available ) that I should Pay On Time The FICO Score Simulator can help you see how your actions may impact your FICO Score 8. What could happen to your score if you paid all your bills on time? 
Your Current Score XXXX Very Good **Based on Experian data as of XX/XX/2021 I do pay my bills on time as indicated by the same web site : Your payment history is EXCEPTIONAL 0 Late Payments 30+ Days Number of your accounts that were ever 30 or more days late, or have a derogatory indicator.

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 2021-11-01 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: CA

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation