vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 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: CITIBANK, N.A.
State: GA

Complaint narrative:
During XXXX XXXX XX/XX/ I was a victim of identity theft and my information was used to apply for several accounts, which resulted in me filing a report with Identitytheft.gov and contacting each bureau to resolve as well as dispute the hard inquiries acquired. I reached out to XXXX XXXX XXXX regarding the fraudulent application and was informed that someone from the fraud investigation team would be contacting me, but no one ever did. XXXX informed me that the account was closed and would be updated with all three bureaus to reflect as fraudulent but only a few months were deleted from only my XXXX report and not the overall account as it is still reporting as delinquent and negative. I also contacted CITIBANK to inform them that I had not submitted an application and was told, " the application was submitted online and flagged as potentially fraudulent, which resulted in an instant denial due to further review being needed '', and was informed that it would be removed within 90 days but that wasn't the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
During XXXX XXXX XX/XX/ I was a victim of identity theft and my information was used to apply for several accounts, which resulted in me filing a report with Identitytheft.gov and contacting each bureau to resolve as well as dispute the hard inquiries acquired. I reached out to Bank of America regarding the fraudulent application and was informed that someone from the fraud investigation team would be contacting me, but no one ever did. XXXX informed me that the account was closed and would be updated with all three bureaus to reflect as fraudulent but only a few months were deleted from only my XXXX report and not the overall account as it is still reporting as delinquent and negative. I also contacted XXXX to inform them that I had not submitted an application and was told, " the application was submitted online and flagged as potentially fraudulent, which resulted in an instant denial due to further review being needed '', and was informed that it would be removed within 90 days but that wasn't the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
This company is reporting on my credit report that money is owed to them but I never received a letter to dispute debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: NC

Complaint narrative:
XXXX XXXX  XXXX  XXXX, XX/XX/2021 reported a medical collections account to the credit bureaus, the company has violated my Hippa laws, and this company has failed to make any contact with my to verify any debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XXXX I received a letter from Resurgent Capital Services. The letter stated that enclosed was a document that I request. I requested validation of an alleged dept pursuant to 15 USC 1692g. All I received was a statement detailing false information, such as listing XXXX XXXX  as an original creditor, where 15 U.S. Code 1692a defines a creditor as " any person who offers or extends credit '' which in fact XXXX XXXX  can not do. This statement along with the attached document is a violation of 15 U.S. Code 1692j, as I requested validation but instead was issued a deceptive form of a statement and a letter stating than an alleged debt was owed, which is also a violation of 15 USC 1692b ( 2 ) which details how a debt collector shall " not state that such consumer owes any debt ''. Additionaly this organization has violated USC 1681 ( 4 ) of the FCRA when they obtained my location information from an unauthorized 3rd party " LVNV Funding '' and then contacted me without my receiving " prior consent '' as mandated in 15 USC 1692c of the FDCPA. Pursuant to federal law, this organization has violated several laws of the FDCPA as well as FCRA and is liable for both willful and civil negligence. This negligence has tarnished my reputation, as well damaged my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : Inquiries : 1. XXXX/XXXX-Date of inquiry XX/XX/XXXX 2. XXXX-Date of inquiry XX/XX/XXXX 3. XXXX-Date of inquiry XX/XX/XXXX 4. XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I have collection that was removed already from my credit report because they dont belong to me and these same collections have reappeared on my report : CAVALRY PORTFOLIO SE ACCT # XXXX ( which is a collection agency ) stated i opened an account on XX/XX/XXXX which is false! I have no knowledge of this account. Reporting to all 3 credit bureaus XXXX  XXXX XXXX ACCT # XXXX ( which is a collection agency ) stated i opened an account XX/XX/XXXX which is false i have no knowledge of this account. 

Both collections reporting to my XXXX report. 

XXXX XXXX XXXX XXXX  ACCT # XXXX ( Which is an collection company ) stated I opened an account XX/XX/XXXX which is false because this account doesnt belong to me. This account is reporting to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: NY

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, to about 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should have been deleted promptly. I demand these accounts 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 gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
previously had cellular service with XXXX and had nothing but issues from cellular signal and then the last straw was a technical support rep telling me to buy a new device {$500.00} more, would fix the problem but of course it did not. So after several calls to customer service I had a new phone and a opportunity to switch to a new provider. I did just that in XX/XX/XXXX however XXXX continued to take a autopay setup for my XXXX credit card. ( not bank account ) CREDIT CARD. I noticed the charge and called in to have the problem resolved on XX/XX/XXXX and as notated you can see I am refunded all the charges and my bill is then at a REFUND XXXX. The following bill has a mention of a " charge back '' as well as a fee for the " NSF '' but again we are talking about a credit card payment being returned? XXXX XXXX Confirmed said Charge to my credit card. on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: GA

Complaint narrative:
COLLECTION BUREAU OF FWB. amount : {$1300.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of .....

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED i would like this account to be removed from any credit bureau it is reporting to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TX

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT FILE. I DISPUTED SOME ITEMS THAT WERE NOT AUTHORIZED. TWO OF THE THREE CREDIT BUREAUS REMOVED THOSE ITEMS. I HAVE SENT A COPY OF THE ITEMS THAT WERE REMOVED, UNDER THE FCRA ANY ITEMS THAT HAVE BEEN FOUND TO BE IN ERROR OR REMOVED MUST SHARE THEIR FINDING WITH THE OTHER THREE MAJOR BUREAUS ARE REMOVE ACCORDINGLY. THEY REFUSE TO FOLLOW THEIR OWN GUIDELINES IN PLACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
I paid my full amount due on XX/XX/XXXX to my Indigo Mastercard, no late payment, the payment is posted, bothe on the card and from my checking account, but I have no available credit through the card yet. The website says payments posted take 24 hours and they said it will take up to 14 business days for my credit to be available.

I have other credit cards and they post within 2 days at most.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX  XXXX  XXXX, XX/XX/2021 reported a medical collections account to the credit bureaus, the company has violated my Hippa laws, and this company has failed to make any contact with my to verify any debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: NC

Complaint narrative:
XXXX XXXX  XXXX  XXXX, XX/XX/2021 reported a medical collections account to the credit bureaus, the company has violated my Hippa laws, and this company has failed to make any contact with my to verify any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to report XXXX student loan provider as a bad actor in reporting false information to the major credit bureaus XXXX, TransUnion and XXXX. It has been falsely reported on my credit reports that I have 14 delinquent accounts with the company. I recently spoke with a representative from XXXX that advised me all my accounts were reported as in good standing, however this verbal response poses as a discrepancy compared to my actual credit reports. I previously consolidated my 14 loan accounts into 2 accounts. However, the loans were in good standing before consolidation and are now being reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to report XXXX student loan provider as a bad actor in reporting false information to the major credit bureaus XXXX, XXXX and Equifax. It has been falsely reported on my credit reports that I have 14 delinquent accounts with the company. I recently spoke with a representative from XXXX that advised me all my accounts were reported as in good standing, however this verbal response poses as a discrepancy compared to my actual credit reports. I previously consolidated my 14 loan accounts into 2 accounts. However, the loans were in good standing before consolidation and are now being reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: FL

Complaint narrative:
I would like to report XXXX student loan provider as a bad actor in reporting false information to the major credit bureaus Experian, XXXX and XXXX. It has been falsely reported on my credit reports that I have 14 delinquent accounts with the company. I recently spoke with a representative from XXXX that advised me all my accounts were reported as in good standing, however this verbal response poses as a discrepancy compared to my actual credit reports. I previously consolidated my 14 loan accounts into 2 accounts. However, the loans were in good standing before consolidation and are now being reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
Chase Bank has a promotional offer called " My Chase Plan '' which allows you to pay off large purchase over a period of time at 0 % APR. After making a substantial purchase ( {$3400.00} ) which posted to my account, I clicked on the create a plan tab on the website for my Chase account which directed me to the " start a plan '' option. When I wanted to start a plan, it did not show that purchase as being eligible. Per their guidelines of current purchase being over {$100.00}, it should have been eligible. After several messages back and forth with Chase 's credit card specialists, none of them could tell me specifically why that purchase was ineligible, furthermore there is nothing stating pre-purchase which may or may not be eligible until after you made the actual purchase. The fact that they could not tell me exactly why the purchase was ineligible other than " the purchase can be ineligible for various reasons '' and that the " My Chase Plan '' was clearly available to me since the click to start a plan was an option on the Chase website for my account is purely a bait and switch scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
I entered into an agreement for a car loan with XXXX on XX/XX/15. The loan was for 60 months at interest rate of XXXX for a total amount of {$35000.00}. After 2 months the loan was sold to Bridgecrest, which I believe is the same company as XXXX based on the telephone numbers I called to make payments. During the course of the loan there was a repossession which was cured but the money paid to cure the repo was not reported on my payment history. There were late payments on the account which were charged {$50.00} per my contract for each month the payment was paid late. They did put 7 monthly payments at the end of the loan which would have made the loan a 67 month loan to payoff. I continued to make payments and realized that I'd made 72 payments. I called Bridgecrest to speak with someone but I kept getting the run around. I sent 2 letters asking for why the loan wasn't paid off yet since I'd made 72 payments on a 60 month loan. Even if they added the 7 extra months it still should be finished. I continued calling and finally stopped paying the loan until I get an answer about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30,60, and 90 days late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation