vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 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:
XXXX XXXX I was notified that a collection had been placed on my file which already has a Fraud alert. Police report and Notarized affidavit on file. I immediately contacted XXXX  and filed a fraud dispute because of the information already present in their records. On XX/XX/2021 a Sunday. I received an automated message that my dispute had been validated by the company. I submitted a 2nd dispute and on Monday I contacted XXXX  for further information. I was given the run around. I was told that I didn't have the accurate information. No one wanted to tell me what I needed. 7 calls later and over 5 hours on the phone I still had no resolve ... I was told another police report and affidavit from the FTC was needed. I provided that on XX/XX/XXXX, and again on XX/XX/XXXX. Today, I spoke to someone and now I am being told that they want a Government issued ID along with my SS card. I have several issues with this. According to the dept. of justice I am not obligated to provide that information, In addition, Why would i provide that to the credit agency that will then share the information with the creditor that already stated " any information obtained with be used for the purpose of collecting a debt '' I do not owe a debt to XXXX XXXX XXXX. XXXX has not attempted to resolve this amicably and seems to be working on the behalf of the collection agency and not a a fair and just party in this situation, This account has been disputed multiple times and and they also alter the statement that I wish to have on my credit file. My statement should indicate that I have disputed as FRAUD and not that I disagree with their findings. If they truly were investigating they would know that this is not my account and I did not authorize anyone to use my information for gain and to destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
XX/XX/21 - my chime bank account was fraudulently charged more that {$500.00} in charges at an XXXX in XXXX. I called bank right away and informed them the charges we not mine and they automatically deactivated the debit card and issued a new one stating that they could not dispute the charges until they had actually posted onto my account instead of just in the pending status. They assured me that they would do everything they could to help me and I transferred out what little bit of money I had from my spending account into my chime credit builder account which was {$380.00}. I changed my passwords and everything I could to try to protect my account once more. 
XX/XX/21 - I receive a email from Chime saying that they have closed all of my accounts and no reason why besides they didnt like the activity that was on my account. I tried calling the one 800 service number and the service number said since my account was closed I had to email chain support. Email try support and Chime support said I need to call the one 800 number. I emailed back and said I couldnt call the number because I couldnt past the your account is closed please email XXXX I tried hitting all kinds of other prompts but I still got the same response. I emailed the child support back back-and-forth for five times asking them to please call me I wanted to know where my money was why my account was closed and what was going on with the fraudulent charges I need to be reimbursed for those those were not my doing. 
The very last email I got stated Thanks for reaching out to Chime Member Services. XXXX here again, I apologize for the inconvenience of this situation. Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. 

Please let me know if I can assist you with anything else. 

Thanks, Chime Member Services And I can not get a response since then so not only did chime close my accounts they also have all of my money and wont communicate with me about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Sent certified mail delivered in the XXXX on XXXX stating this account XXXX XXXX XXXX was not mine and may be fraud. I have many open accounts with XXXX XXXX in good standing and this must be a mistake.

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 2021-04-06 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:
There are multiple accounts on my credit report that are not mine I dont know how they appeared on my credit report and why they are still there since XX/XX/XXXX and the bureaus are not responding back or answering back to me. I need these off my creit report. 

XXXX XXXX - Acct # XXXX Amt $ - XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$9700.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$0.00} INQUIRIES XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  XXXX  - Inquiry date : XX/XX/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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are multiple accounts on my credit report that are not mine I dont know how they appeared on my credit report and why they are still there since XX/XX/XXXX and the bureaus are not responding back or answering back to me. I need these off my creit report. 

XXXX XXXX  - Acct # XXXX Amt $ - XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$9700.00} XXXX  XXXX  XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$0.00} INQUIRIES XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America continues to report checking account fraud and account abuse after my repeated disputes to lawfully get these comments and the entire Bank of America account listing removed from my XXXX XXXX XXXX XXXX XXXX. I've done nothing wrong and Bank of America has yet to prove why it's not removing these illegal comments and the entire account listing for that matter. If Bank of America 's stance is solely based on the fraud/abuse comments within their XXXX  listing, then the entire account listing must be removed from XXXX 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 2021-04-07 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: CA

Complaint narrative:
Discovery has 2 inquires in my account in XX/XX/XXXX and one in XX/XX/XXXX, XXXX has inquiry in XX/XX/XXXX I didnt not authorized per FRCA File # 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 2021-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc.
State: KY

Complaint narrative:
On XX/XX/2021 I reached out to Conns XXXX XXXX about resolving a delinquent bill. They transferred me to another department. When I got to said department I was promised that when I paid the balance in full ... no settlement that they would remove the account in its entirety from my credit report. I paid the balance immediately with this guarantee. I paid the entire amount due of XXXX on my XXXX card. I got notification today from my credit report that they in fact did not remove it in its entirety but only updated the account. I have called Conns Several times today and rude rep after rude rep has been no help in getting this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: TX

Complaint narrative:
I consistently check my report. I notified XXXX XXXX due to it showing I was late for XXXX 's payment when it was made timely. I contacted them and was told XXXX 's payment had been missed as I have never missed a payment on this loan since I acquired the loan. I had a lot of things going on within my family when this mistake occurred. I resolved this issue immediately and made sure to make a payment and set up a deferment plan for one month in which I was told to make a payment in XXXX for an amount given which was done timely per the below agreement. 

Ally Auto Alert Ally Hello, XXXX XXXX XXXX We've got a new document ready for you to sign. 
Your document is waiting for your electronic signature. Log in before the expiration date to review to electronically sign : Retail FFP Extension Agreement Expires : XX/XX/XXXX If you don't sign your document before the expiration date, your due date won't be extended. 


Questions? Call us at XXXX Available Mon Fri, XXXX XXXX  XXXX XXXX  ET Saturday XXXX XXXX XXXX XXXX ET Closed Sunday Access XXXX  Auto Online Services at XXXX I checked my report after the deferment was paid and meet and completed. I saw there was two negative late payments shown for XXXX and XXXX when payments were made on XX/XX/XXXX for {$290.00} and XX/XX/XXXX which is under 30 days and I received a negative report of late payment for both months. I have made a dispute through Experian and this was not fixed or removed to show I was on time for the payments made. I tried to dispute this on another occurrence and was told that I could not dispute the same thing more than once. 

Please see what can be done for this to be corrected. 

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 2021-04-07 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: KY

Complaint narrative:
I have sent letters to Equifax on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to ask that they investigate and provide proof that I authorized several inquiries that are listed on my credit report. To date that have not furnished the proof that I authorized these inquiries because I did not in fact authorize these inquiries. Their failure to abide by the fair credit reporting act is causing my life undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute with XXXX  XXXX over 30 days ago .I informed XXXX  XXXX that I am disputing their claim.moreover I requested that XXXX  XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal XXXX  XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally XXXX  XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute with XXXX  XXXX over 30 days ago .I informed XXXX  XXXX that I am disputing their claim.moreover I requested that XXXX  XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal XXXX  XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally XXXX  XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.

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 2021-04-07 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: TX

Complaint narrative:
XXXX XXXX I was notified that a collection had been placed on my file which already has a Fraud alert. Police report and Notarized affidavit on file. I immediately contacted experian and filed a fraud dispute because of the information already present in their records. On XX/XX/2021 a Sunday. I received an automated message that my dispute had been validated by the company. I submitted a 2nd dispute and on Monday I contacted Experian for further information. I was given the run around. I was told that I didn't have the accurate information. No one wanted to tell me what I needed. 7 calls later and over 5 hours on the phone I still had no resolve ... I was told another police report and affidavit from the FTC was needed. I provided that on XX/XX/XXXX, and again on XX/XX/XXXX. Today, I spoke to someone and now I am being told that they want a Government issued ID along with my SS card. I have several issues with this. According to the dept. of justice I am not obligated to provide that information, In addition, Why would i provide that to the credit agency that will then share the information with the creditor that already stated " any information obtained with be used for the purpose of collecting a debt '' I do not owe a debt to XXXX XXXX XXXX. Experian has not attempted to resolve this amicably and seems to be working on the behalf of the collection agency and not a a fair and just party in this situation, This account has been disputed multiple times and and they also alter the statement that I wish to have on my credit file. My statement should indicate that I have disputed as FRAUD and not that I disagree with their findings. If they truly were investigating they would know that this is not my account and I did not authorize anyone to use my information for gain and to destroy my credit.

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 2021-04-07 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
These accounts have either been sold or transferred. According to my findings, I am no longer liable for the alleged debt, and no written communication, contract, or signature exist. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, this is and attempt to a violation of the FDCPA section 809 it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: FL

Complaint narrative:
IT HAS NOW BEEN MORE THAN 45 DAYS WITHOUT A RESPONSE FROM THE BUREAUS ON INCORRECT ITEMS ON MY CREDIT REPORTS AND I AM REQUESTING THAT THE FRAUDULENT ITEMS TO BE REMOVED FROM MY REPORTS. ACCORDING TO THE ( FCRA ), A CREDIT BUREAU IS REQUIRED TO RESPOND TO YOU AND COMPLETED THEIR INVESTIGATION WITHIN 30 DAYS. IF THEY DO NOT RESPOND WITHIN THE 30 DAYS THEY MUST REMOVE THE NEGATIVE ITEMS BEING DISPUTED. I AM ALSO ATTACHING ALL COMMUNICATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute with XXXX XXXX XXXX XXXX over 30 days ago .I informed XXXX  XXXX XXXX XXXX that I am disputing their claim.moreover I requested that XXXX  XXXX XXXX XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal XXXX  XXXX XXXX XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally XXXX  XXXX XXXX XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute with XXXX XXXX XXXX XXXX over 30 days ago .I informed XXXX  XXXX XXXX XXXX that I am disputing their claim.moreover I requested that XXXX  XXXX XXXX XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal XXXX  XXXX XXXX XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally XXXX  XXXX XXXX XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.

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 2021-04-07 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX  is acting fraudulently on behalf of Wells Fargo by not properly investigating my dispute proving that Wells Fargo had fraudulently misrepresented and reported payment dates regarding a collections account against me stemming from a 2018 fraud investigation I opened in which Wells promised to investigate for months and then closed my Credit account and sent to a 3rd party collections agency without my knowledge. XXXX  keeps closing my dispute and judging on behalf of Wells Fargo and when I ask them if they looked at my documentation they said no and when I ask them if Wells Fargo responded with documentation they told me that Wells Fargo does not have to and that they responded by saying their report to the Credit Bureaus is correct when in fact it is not.

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