vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 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: AL

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 2022-03-04 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: AL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: GA

Complaint narrative:
On XX/XX/2022, 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 XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: GA

Complaint narrative:
On XX/XX/2022, 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 XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Tj Max decreased my credit limit 800 to 600 for no reasoning as I was always paying my bill on time and actively paying down the card. Never missed a payment! Always pay over the minimum balance. Which drastically dropped my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My name is XXXX XXXX, I have been a victim of Fraud Since XXXX, I made a police report in XX/XX/XXXX in the city of XXXX texas. As I was called by a XXXX  agency I used to work for telling me that an unknown person came in looking for work using my personal information. I have since battle with inaccuracies on my credit report, I constantly have to monitor my credit report for fraud information. I will be listing the Fraudulent Inquiries on my credit report as they have been done with out my authorization. I can provide my police report I made in XXXX along with letters I have been receiving from the US Department of Justice advising me of being a victim by 3 individuals whom have been indicted using my information. 

XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX PENTAGON FCU PENTAGON FCU, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL 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
Consumer complaint received 2022-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 I had 2 hard inquiries that I did not do. I think someone may have my information which I hope not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts.

Please review the following accounts : Account Name : XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report.

After you have finished my request, send me a copy o
f my credit report reflecting these changes. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SimpliFast Lending, LLC
State: KS

Complaint narrative:
I don't know the dates. But I'm being sued for a online loan which I have no knowledge of taking out. I went to the XXXX XXXX bank and they said it was account open and closed. The account numbers aren't matching up with the numbers the lawyer has vs the bank paper and the dates aren't either. I was told by the bank to come to this website and make a complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My XXXX was compromised and someone accessed my account to send themselves {$500.00}. They used my name and phone number to pay themselves to a XXXX XXXX account on XX/XX/2022. I have contacted Chase and filed a claim, but they are not promising a resolution. They say I initiated the transfer but I did not. I even called their Executive Team and spoke with a XXXX and all I get is a sorry but we can not help you. Sorry does not cut it. Sorry does not pay the bills, or buy groceries or fuel. Sorry does not put the fraudster behind bars. My account was hacked. XXXX says they can not help. I filed a police report. I just want my money returned to me. I will never again bank with Chase or use a merchant account, like XXXX. They are obviously siding with the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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:
hey, i am XXXX XXXX and I am writing to delete the following information in my file. The items i need deleted are listed below i am vitim of identity theft and did not make these charges on these account. I ask these items to be deleted and my credit report corrected. I authorize to check my credit report and remove all fraudulent accounts aand inquires. Please HELP ME AS ASAP AS THIS IS AN ONGOING ISSUE AND EFFECTING ME NEGATIVELY and you guys are my last line of defense. Fradulent collections XXXX XXXX XXXXXXXX XXXXXXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquires Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: FL

Complaint narrative:
hey, i am XXXX XXXX and I am writing to delete the following information in my file. The items i need deleted are listed below i am vitim of identity theft and did not make these charges on these account. I ask these items to be deleted and my credit report corrected. I authorize to check my credit report and remove all fraudulent accounts aand inquires. Please HELP ME AS ASAP AS THIS IS AN ONGOING ISSUE AND EFFECTING ME NEGATIVELY and you guys are my last line of defense. Fradulent collections XXXX XXXX XXXXXXXX XXXXXXXX XXXX account # XXXX XXXX funding account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX Unauthorized Inquires Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: WI

Complaint narrative:
On XX/XX/2022, 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 2022-03-04 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: SC

Complaint narrative:
SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts.

Please review the following accounts : Account Name : XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report.

After you have finished my request, send me a copy of my credit report reflecting these changes. 

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 non-monetary relief
Consumer complaint received 2022-03-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts.

Please review the following accounts : Account Name XXXX XXXX XXXX  I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report.

After you have finished my request, send me a copy of my credit report reflecting these changes. 

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 non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I was reached By PDM INC XX/XX/2022 by representative XXXX XXXX who is unprofessional he called about a debt which is incorrect information. I asked for the validating documents about this debt which was sent next day and the document that have the client information on it is incorrect which i called and told them i want to speak with the client and they are and was never the management of this property. I carefully viewed the documents, The documents have incorrect client details in which I reached out to speak with client to solve this matter. I call PDM INC back and asked who did they contact to confirm this is correct the Supervisor XXXX XXXX stated he talked with the client and validated it was correct I called the client and the client on the paper work stated this is incorrect information. The client stated they never been over the apartment on the paper work. The client googled the correct Management over the property which was reached and they stated are not over the apartments. I also mailed a letter out to PDM to dispute and send more validating documents to support this debt the company did not answer my request they also over the phone asked me to get my card to pay a debt that has no supporting information to prove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: Atlanticus Services Corporation
State: IL

Complaint narrative:
XXXX, I financed the purchase of a couch financed through Fortiva from XXXX XXXX XXXX furniture for almost {$1400.00}. The couch wasn't delivered to me until XXXX. Upon receipt of the couch, it was the wrong couch. The customer service department told me to keep the couch and they would arrange an exchange. XXXX 's brought the wrong couch to me 5 times between XXXX and XXXX. However I kept making monthly payments on the couch. In XXXX, XXXX XXXX came took the couch because they didn't have the color I ordered in stock. 

I attempted to get the money back from Fortiva that I paid on the couch for a total of {$1600.00} but they would only give me a credit. In XXXX, I used the credit of {$1600.00} to purchase another couch that was {$1800.00}. I am more than willing to pay the difference but Fortiva is stating that I owe {$2000.00} and I don't. I have tried to resolve this matter several times with Fortiva to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
As of XX/XX/2020 my loan was up to date XXXX XXXX transferred my loan to Bayview Loan Servicing in XX/XX/2020 then in XX/XX/2020 Bayview Loan Servicing changed their name to Community Loan Servcing LLC. I was experiencing financial difficulty because of COVID and in XX/XX/2020 I requested and was granted forbearance for the next 18 months. I was hoping that Community Loan Servicing LLC as with other disasters and emergencies, they would be willing or in some cases required to provide forbearance and waiving late fees due to this pandemic. Under the CARES Act, if I was current as of the beginning of my forbearance in XXXX which I was they were not suppose to report late payments. I was granted forbearance in XX/XX/2020 which started with my XX/XX/2020 payment. Community Loan Servicing has reported 22 late payments on all three Credit Reporting agencies. I have tried reaching out to them to get this corrected but they refuse to make it right on my reports. I have had financial hardships ever since. And because of 22 late payments being reported on my reports have been turned down repeatedly for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TX

Complaint narrative:
Account : XXXX ( XXXX ) Date Opened : XX/XX/2020 Balance : XXXX This account is deferred or in forbearance, please remove it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC
State: GA

Complaint narrative:
Please be advised that XXXX XXXX XXXX has reported a debt in the amount of {$2100.00} to my credit through rhe collection company Bay Area Credit Services. I NEVER was informed about the debt in question by XXXX XXXX XXXX and I DO NOT BELIEVE THAT I OWE it. I had a XXXX on XX/XX/2021 and was transported to the hospital via ambulatory services, however my health insurance through my employer paid all parties involved. I contacted XXXX XXXX XXXX and informed them that I never received any notiification of this debt and reiterated that I had medical insurance that would cover the costs so I don't know why this account was never brought to my knowledge and how it was sent to collections without even attempting to collect the moeny that was due. The representative, " XXXX '' informed me that they had the wring address listed after I confirmed my address. I went on to provide her my insurance provider 's information ( which they already had..she confirmed ) as well as my XXXX XXXX XXXX. I also will like to mention that I never signed any documents with XXXX XXXX XXXX that gave them permission to report anything to a third party agency so I also believe that my HIPPA protection laws have been violated .I also have repeatedly called and sent written notifications to Bay Area Credit Services , but i haven't received a response. They reported this debt without notifying me that it existed and placed it in collections and this collection is still reporting on my credit and it has hurt my reports tremendously. I would like this debt removed permanentely and immediately or I will have no choice, but to seek legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation