vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-16 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: DISCOVER BANK
State: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : Discover Financial Services ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX Discover Financial Services ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Problem lies with XXXX & Possibly other bureaus. I got information corrected on 4 accts N past 2 yrs & have done everything 2 build back score. XX/XX/XXXX topped @ XXXX, then up/ dn but close & XXXX as of XX/XX/XXXX. Now XXXX put incorrect info back on report & score dn to low XXXX. I have only made positive moves & last month XXXX & other Bureaus saying way to go & reported 36 + on-time pmts. Just paid off XXXX Acct. getting title out of my name & that was about {$31000.00} should be down on auto loan to XXXX bout XXXX. The 4 disputes today were removed or changed in past 2 yrs. but now incorrectly reported again. Please amend to accurately get score back above 700 with all bureaus. Also am paying off 3 or 4 other accts. By end of year.

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 2020-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Small Business Loan through the SBA and was approved on XX/XX/XXXX. On XX/XX/XXXX ( Friday ), the funds were deposited in my checking account. On Saturday, XX/XX/XXXX, I visited the bank ( JP Morgan Chase ), met with the branch Manager and asked  about the funds. She stated that the funds were on hold and that they needed to clear and that I needed to bring proof that I indeed own or had a business. I indicated that I would do so and that as soon as the County Clerk 's office was open, that I would bring a copy of my DBA certificate. On XX/XX/XXXX ( three days later ), the bank arbitrarily and without notification, closed my checking account that I had had for the past 10 years. Upon learning about this, I visited the bank on Friday, XX/XX/XXXX and again spoke to the branch manager ( XXXX ) who placed several calls to the chase customer service number to try to clarify the situation and was unable to. On Saturday, XX/XX/XXXX, I got a letter stating that no action will be take on my account. I am concerned because the SBA loan in the amount of {$33000.00} the bank has not been able to say what happened to the funds. I even presented the loan signing document and promissory note to show that this was a legitimate transaction and they were not able to help. They also froze ALL of my other accounts and thus I have no access to any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: DISCOVER BANK
State: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of  the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : Discover Financial Services ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX Discover Financial Services ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the  right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : XXXX XXXX XXXX ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York 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 2020-08-16 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : XXXX XXXX XXXX ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX Nordstrom/TD Bank USA ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see 30 late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: TX

Complaint narrative:
Equifax took longer than 30days to notify me about the results of an investigation. After several calls to equifax, they tell me the company in question responded to them with in 30day, but per the electronic paper trail on the CFPB complaint site it shows they failed to notify me untill after 30 days. Someone at equifax removed my address information so that I could not contact equifax, after a heated phone conversation about the incident. Equifax 's response is completely unacceptable. Please see attached documents for verification of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings
State: NY

Complaint narrative:
My Credit report states that a payday loan debt aquired in Tennessee in XXXX was purchased by XXXX XXXX XXXX XXXX and is listed as derogatory as of XX/XX/XXXX even though the derogatory account was closed and the payment status charged-off over six ago. I have lived in New York since XXXX of XXXX and far as I understand collection on payday loans and derogatory marks on your credit score as a result of payday loans are illegal in the State of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-08-16 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: HW Holding, Inc
State: FL

Complaint narrative:
I was a tenant at XXXX XXXX XXXX, owner XXXX XXXX XXXX XXXX. As can be concurred by many other residents there was a take over by another company with no formal notification from the above company. Prior to the take over on approximately XXXX XXXX it was arranged Verbally with prior management that I would continue renting month by month due to the fact that I was purchasing a house and close to the closing on the property. Because the closing did not come through as projected I asked the present management XXXX XXXX Preserves to extend my time one more month. I was informed someone has already leased the apartment and will be given until the XXXX of XXXX to vacate the premises. I rented a XXXX on XX/XX/2019 and hired a moving company to assist me and hand over the keys to the office on XX/XX/2019 at approximately XXXX - XXXX XXXX. Pictures of the apartment was Also taken as proof. My deposit was retuned. I surmised few months thereafter I received a letter from Hunter Warfield informing me I owe a balance of {$1500.00}. I did not respond immediately thinking that is a mistake. The calls began followed up with letters. I then responded provided proof of refund check an explanation and also asked to remove the negative reporting From my credit but with no avail and absolutely no response. If necessary I can obtain a copy of documents from 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 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax, XXXX is not responding after the 60 day mark to erroneously and obsolete information that is reporting on my credit report. Please update these account and or remove these items that are being reported on my credit report. I have proof and the letters that were mailed back in XXXX and still no response. This is affecting me and my family to be able to apply for assistance jobs etc during this pandemic. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: AL

Complaint narrative:
Carter-Young INC ( the debt collection agency in Georgia ) has been inaccurately reporting to my credit report for years. Since XXXX, Ive been disputing this apartment complex as not my debt. Theyve completely ignored me and proceeded to harass me so much for collecting me, that I had to block them. In XXXX, during the pandemic, I became literally XXXX. I had know choice but to do a pay to delete. The apartment complex accepted my pay to delete in a 3-way call with Carter-Young and the debt was supposed to be ERASED from my credit report. 20 days later, I get an alerts saying I paid down my debt and that the account is still opened. Luckily i have emails, documents, and other proofs proving that the account was supposed to be deleted. Thank God that I got a pay to delete letter on the same day as the call through email. Im tired of them haunting me. Why break me down when Im already broken??? People are DYING!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Penn Credit Corporation
State: FL

Complaint narrative:
XX/XX/XXXX I discharged a debt owed to XXXX XXXXXXXX XXXX XXXX  in a Chapter XXXX Bankruptcy, Case XXXX filed XX/XX/XXXX. 

After the Bankruptcy I moved out of the state of Florida and now live in XXXX. 

This year Penn Credit submitted to my credit report a debt for XXXX   XXXX XXXX XXXX 

I reached out to the collection agency to notify them that I have not opened or had any accounts with XXXX XXXX XXXX XXXXXXXX since by Bankruptcy and that the debt was discharged. 

Penn Credit refuses to remove the collections from XXXX, XXXX  and XXXX 

PENN CREDIT CORPORATIO Account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NC

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
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NC

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