vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continually reports fraudulent information on my credit file. I have reported this account numerous times. First of all Ive been a victim of identity theft this has been occurring for years. Experian always unblocks any information they see fit. Regardless if the account is fraudulent or not. I never opened a loan in XX/XX/2021. That wouldnt have been possible my score at that time was XXXX because of the fraud. Yet Experian is reporting the XXXX XXXX credit union account as opened in XX/XX/2021. As an installment loan. Which Ive never done business with this institution. After over 4 years of identity theft I now filed bankruptcy. The my community fraudulent account was included in my bankruptcy filed XX/XX/2021 as well this account is now discharged. Yet Experian keeps reporting it as charge off, refuses to mark the account as chapter XXXX. This is against the law, and the company refuses to follow FCRA bankruptcy laws instead keeps attempting to collect a debt included in bankruptcy.

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 2021-07-11 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: MN

Complaint narrative:
My XXXX XXXX XXXX  MasterCard credit card account : XXXX is lost/stolen. There are fraudulent transactions listed on my credit card account. The following charges are are all fraudulent : XXXX, {$52.00}, XXXX XXXX, {$17.00}, XXXX XXXX {$23.00}, XXXX, {$26.00}, XXXX XXXX XXXX, {$32.00}, XXXX XXXX {$6.00}, XXXX XXXX XXXX$4.00}, XXXX {$31.00} and XXXX for {$52.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: MN

Complaint narrative:
My XXXX XXXX XXXX  MasterCard credit card account : XXXX is lost/stolen. There are fraudulent transactions listed on my credit card account. The following charges are are all fraudulent : XXXX, {$52.00}, XXXX XXXX, {$17.00}, XXXX XXXX {$23.00}, XXXX, {$26.00}, XXXX XXXX XXXX, {$32.00}, XXXX XXXX {$6.00}, XXXX XXXX {$4.00}, XXXX {$31.00} and XXXX for {$52.00}.

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 2021-07-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent multiple letters disputing a chapter XXXX bankruptcy that is not mine. XXXX  has deleted it from my report. Yet the Chapter XXXX Bankruptcy still has not been deleted. They are not following the method of verification '' pursuant to FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office 5. Which document you obtained to verify the bankruptcy. 

They state that it is verified as accurate but have not provided me any of this information.

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 2021-07-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent multiple letters disputing a chapter XXXX bankruptcy that is not mine. XXXX  has deleted it from my report. Yet the Chapter XXXX Bankruptcy still has not been deleted. They are not following the method of verification '' pursuant to FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office 5. Which document you obtained to verify the bankruptcy. 

They state that it is verified as accurate but have not provided me any of this information.

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 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax caused me identity theft after they got hacked in XXXX. Its been years now and equifax still refuses to assist me instead sending me a letter stating I need to mail them my id which I dont have to. After 4 years of the fraud caused by equifax I filed bankruptcy chapter XXXX on XX/XX/XXXX Chapter XXXX. Equifax has accounts on my file that say they havent been updated since XXXX which are fraud. XXXX XXXX was included on the bankruptcy petition. As was prosperity, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. These are all discharged debts yet equifax reports these as charge offs instead of bankruptcy chapter XXXX discharged. This is against the law. None of these debts can be collected legally any further as they were discharged. I do not owe these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/2017 our macy 's credit card was used fraudulently for the initial amount of XXXX the card/account profile continued be used fraudulently via identity theft until the debt reached XXXX and with interest and penalties it reached XXXX. 
A police report was filed on XX/XX/2017 with the XXXX XXXX sheriffs department. An arrest was made, the wallet recovered by them and communicated to us by the XXXX XXXX police department on XX/XX/2017. This was communicated to XXXXacy 's fraud department who has not expunged our record to this date. They through city bank played ping pong with us and sold the debt. I have communicated this to all the debt collectors only to have the debt resold and the issue never fixed.

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 2021-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Im a widow mother of XXXX kids and my husband died XXXX years ago on duty!!! I have information in my emails and also in mail saying that its money for survival families but some how cant reach it!!! Took out a loan for XXXX to go to school and then transferred after a couple months cause its was too much on me! Then decide to do home school! Then I applied For social security for my kids that haveXXXX and XXXX!!! Then I lost my house with everything in it and my identity was stolen so now I jus have unexplained bills transferred transactions and emails spams and so much and cant get back on track

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: Monterey Financial Services LLC
State: UT

Complaint narrative:
On XX/XX/XXXX an account with the name of XXXX XXXX showed up my XXXX  XXXX  on XXXX  Credit Report with a tradeline of {$12000.00}. It said, this account has been active for 6 months. I had an account with XXXX XXXX  and I had it cancelled right after I signed up for it back in XXXX. Now all of a sudden, I got an account showed up, that I never signed up for with Monterey Fin or XXXX. I got an email from XXXX that my account has been reported to bureaus. The account I had cancelled with XXXX and never agreed to signed up with Monterey Fin Or XXXX. I want this account off my credit report, I never agree to any of their terms or ask for it to show up on my credit. It is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have disputed a " XXXX '' account listed on my credit report several times for inconsistencies and inaccurate reporting. I first disputed on XX/XX/XXXX, asking the company to delete the account from my credit report. On XX/XX/XXXX I disputed the " date last active '' because the dates were inconsistent and does not match. I then disputed on XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX. I asked for an " investigation '', " method of verification '', and sent violation letter because the " date last reported '' was not updated even though the account was verified. Also, the payment history on the account is inconsistent and inaccurate

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 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: NV

Complaint narrative:
Im receiving notices from client services that I do not feel I owe. I would like a validation of this bill that they claim I owe. I am retired and on sis and would like to stop being bothered.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Sears mastercard ... My credit card # XXXX XXXX XXXX XXXX ... ..Transaction Dispute..The merchant Has " '' Not Provide Any Product or Services '' '' This is Faulty Claim ... ON XX/XX/XXXX ..I, Order a Electric Bike through XXXXtotal amount $ 434.00..Merchand XXXX XXXX  '' ..order # XXXX XXXX ... BUT XXXX Notified IMMEDIATELY that the Merchand was not selling a Electric Bike ... But instead pieces of bikes ... ANd the order was canceled Immediately ... .Ihave never Reguested or Accepted the SErvices from XXXX ... without any permition XXXXXXXX enter on this process ... on XX/XX/XXXX the money Returnded ..BUT XXXX took the money..FOR.. the last 5 mounths I, have been disputing this fraud charges ... My card Sears Mastercard..On XX/XX/XXXX returned..ANd SEARS On XX/XX/XXXX Sented Me a Letter indicating that the MATTER Was RESOLVED ... BUT once Again XXXX, XXXXFAULTY.. issue a second Claim Fot the same Canceled product on XXXX BuT time XX/XX/XXXX that i, have order and Receipted the same BIKE From the same MErchant..THIS IS CORRUPTION, FRAUD,,, and ABUSE, ,of ht highest KIND ... SEARS Has NOT protected Me as a EXCELLENT card Holder ... HAS NOT Protected MY Rights..BY Accepting the SAME FAULTY CLAIM..I, am Holding SEARS and XXXX for VIOLATING MY SECTION 75 OF the CONSUMERS RIGHTS Credit Card ACT 1974 ... I, WANT this Situation Of ABUSE AND CORRUPTION to STOP IMMEDIALY, ,IT IS VERY DISTURBING THE HAVE SEARS MASTERCARD, ,Who Knows what And Excellent Card Member I AM..AND TREATED ME WITH ABUSE AND DISRESPECT OF THAT LEVER ... .RESPECTFULLY 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 2021-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: IL

Complaint narrative:
I received a Visa debit card from a company named Cash App, issued by XXXX XXXX. It is under my name and mailed to my home address on XX/XX/2021, but I never authorized this and havent even heard of Cash App before. I contacted Cash App and they sent me an email with a set of questions, which I already replied back to with the answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: IL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my credit report when I paid cash for an item. My credit report stated that it will be removed on XX/XX/XXXX. On XX/XX/XXXX my score was increased at the Other agencies by 20 points. However Experian reported false information and instead of increasing my score by 24 points they decreased it by 24 points. This credit check attached is proof of what they did. This was my score as of XX/XX/2021 XXXX. My account shows no open accounts or inquiries made within those 30 days so my score should have increased instead they stole 24 points when they should have increase it by 24 points as the other 2 agencies did. Suddenly my score was decreased to XXXX for no reason. My score was supposed to go up another 24 points as it did at the other two agencies. Experian reported false information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Why can ; t we qualify for Credit. I have bought from lowes for years. This is dirty pool being regeted again and again. WE have bought 2 XXXX, 2 XXXX  XXXX XXXX XXXXs 3 XXXX, XXXX XXXX XXXXr and e2e XXXX and 2 XXXX So Why am i DEFINED a LOEWS CREDIT CARD/?? what do i have to do? Buy the company. jJust wanted to tell you its not a very fair conquest. Perhaps i will go to big XXXX, d They gave me a cafd but i prefer LOWES depending onwhat becomes of this situation d

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 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My credit report still contains student loans that were dismissed by US Education and federal government due to XXXX in XXXX, 2020. 

When will these amounts be removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: NJ

Complaint narrative:
I have disputed a " XXXX '' account listed on my credit report several times for inconsistencies and inaccurate reporting. I first disputed on XX/XX/XXXX, asking the company to delete the account from my credit report. On XX/XX/XXXX I disputed the " date last active '' because the dates were inconsistent and does not match. I then disputed on XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX. I asked for an " investigation '', " method of verification '', and sent violation letter because the " date last reported '' was not updated even though the account was verified. Also, the payment history on the account is inconsistent and inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: NJ

Complaint narrative:
I have disputed a " XXXX '' account listed on my credit report several times for inconsistencies and inaccurate reporting. I first disputed on XX/XX/XXXX, asking the company to delete the account from my credit report. On XX/XX/XXXX I disputed the " date last active '' because the dates were inconsistent and does not match. I then disputed on XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX. I asked for an " investigation '', " method of verification '', and sent violation letter because the " date last reported '' was not updated even though the account was verified. Also, the payment history on the account is inconsistent and inaccurate

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 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is not reporting my credit score. I contacted them via phone and they told me they were unable to give me my score as a result of the contents in my file as of XX/XX/2021. I have received my credit score from other credit bureaus. I have received a credit report from Equifax, but not what my score is. They show me that my credit cards are in good standings but are denying me my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX charged my credit card for XXXX. 
Discovery send code to verify purchase to my old phone number which I change XX/XX/2019. 
I sent Discovery Fraud my XXXX phone records to show them They response after their in gestation my phone my number and said if I get more proof send it to them. 
HOW MUCH MORE PROOF DO YOU NEED.Phone records are good enough Police case number District Attonery XX/XX/XXXXFTC case number

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-11 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: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
At the beginning of the Pandemic, CrossCountry Mortgage offered us the option to " pause or skip '' 3 payments under their Covid Forbearance & Cares Act program as most lenders were offering similar pandemic assistance. We were assured by the representative that this would NOT affect our credit. Months later, we decided to sell our home. Once we paid off the loan in full, CrossCountry Mortgage decided to report over 6 months worth of late payments! Our credit scores dropped over 150 points due to this error! We are now forced to rent until our scores improve to purchase another home. My wife & I need our payment history to be updated and reported as on-time/perfect to all 3 credit bureaus ASAP.

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