vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: NC

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-03-29 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX XXXX, the following notification of reporting error on my credit report. 

" In reviewing the laws and also looking my consumer report, I am deeply disturbed and feel violated. 
According to the law ( 15 us code 1666b ), you have failed to maintain compliance by reporting a late payment on this account to the credit reporting agencies you do business with. Such failed compliance is a violation subject to a fine of {$1000.00} ( 15 us code 1692k ( a ) ( 2 ) ( a ) ). This violation has been reported since XX/XX/XXXX and continues to be reported. In accordance with the law ( 15 us code 1692k ( a ) ( 1 ) ), you are liable for actual damages sustained due to your failure to comply with the law. I was denied credit ( {$52000.00} ) because of this derogatory and defamatory reporting, ( see attached XXXX denial and later cosigned approval ). I had to get a co-signer to secure the loan that ultimately got approved. I expect a check for the incurred damages. 
I certify under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/XXXX. '' No response has been received regarding the continued violation of the laws mentioned herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
This company has been harassing me for the last two months. I have not had any rest. During the first month during the transitional period. Documentation are sent showing they did not wait for formal mortgage company to send funds. The calls began on XXXX requested pay-off quote and process begin on XX/XX/XXXX. They took {$570.00} from my account on XX/XX/XXXX and began harassing calls to my home on XX/XX/XXXX @ XXXXXXXX XXXX XXXX, XXXX stated an error has occurred on my account and would be corrected. On XX/XX/XXXX XXXX calls me on XX/XX/XXXX @ XXXX XXXX. concerning the same problem. Again I requested a supervisor, and XXXX states that the error takes ten days to correct. Today XX/XX/XXXX I get another harassing call about due payment. I was informed that my pay-off payment was received on XX/XX/XXXX. I call back requesting supervisor XXXX, concerning this predatory harassment. My bank sent my mortgage pay-off to Select Portfolio Servicing on XXXX and funds were received on XX/XX/XXXX. This business should not be in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX The correct address should reflect the following : XXXX XXXX XXXX XXXX, GA XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The company is Comenity Bank represented for Victorias Secret. The representative used abusive language and tones and threatened myself if I did not return the call ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX My visa was charged in the amount of {$220.00} from XXXX and {$1900.00} from XXXX vacations. I was assured by a Representative, representing both that the above mentioned charges did not go through and would not be charged. 
I have attached a letter that I was requested by visa to write being as detailed as possible as to why I was reporting this as a fraudulent charge. This letter was date XX/XX/XXXX on the second page in the letter I stated I called visa on XX/XX/XXXX, that date was incorrect I originally called them I believe on XX/XX/XXXX to report this charge as fraudulent after an exhausted effort to resolve with the original website XXXX. Since this letter was sent to Visa via their website, I have been on the phone with them repeatedly trying to get this resolved. Visa keeps passing me from the fraud department to the merchant dispute department ( passing the buck within the organization ) The last conversation I had was yesterday with XXXX who was a supervisor of merchant dispute ( keep in mind I was transferred I believe three times from one department to next and back again ) he refused to give me his last name and also refused to escalate the call to his superior. He stated he could not do that and could not remove the charge. He said someone would call me back its been over 24hours and I have not gotten a returned call. 

Please note the {$220.00} has been removed as of this date but the other charge has not. 
The letter I received yesterday said that its possible it will reappear.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting the following XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA

Complaint narrative:
I have no record of this debt and it is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
On XXXX XXXX I opened my account at the XXXX branch of Atlantic Union My account end in XXXX Routing number XXXX. My account was used by my ex finacee for a fraud. I understand that there would be an investigation for this account. The investigation has been going on for one year and 3 months. The bank has not reached out to me concerning my balance of {$57000.00} until I received a generic letter concerning a domicile account within the next 30 days. I have called and called and no return calls. I have sent a letter to the Senator office as well, I just want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2022 XXXX XXXX XXXX XXXX .... account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX XXXX .... Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX This is a complaint against Synchrony Bank related to my Synchrony Premier Master Card account. 
On XX/XX/XXXX, I contacted Synchrony Customer Service by phone to request copies of ALL billing statements for the period of XX/XX/XXXX to XX/XX/XXXX. I spoke with a Synchrony Customer Service agent by the name of XXXX who said he was located in the XXXX. The customer service agent said that ALL the copies will be sent by US mail within 3 weeks. A recording of the conversation with the customer service agent was made.

I did not receive to date the requested billing statements copies although it has been more than five ( 5 ) weeks since I made the request.

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 2023-03-29 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-03-29 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The company Midland Credit Management is reporting to the credit bureaus that I have 4 accounts with them in which I don't. I do not have an obligation to pay this company anything because there was no notice sent to me from the original creditors saying that this account was sold. Furthermore, they are reporting duplicate accounts with the same account number, but different balances. How is this accurate? The only balance that I've had was with the original creditor XXXX XXXX  FOR {$660.00} and XXXXXXXX XXXX for {$1200.00}, so why are there 2 other accounts reporting? I am under the impression that my information was compromised being that I was involved in a data breach in XXXX which I will attach my claim to this complaint. If you can not prove that I owe the alleged debt, provide a copy of my id and ssc, original contract bearing my signature, license to collect debt in the state of Texas, and explanation as to why there are 2 accounts reporting for account number XXXX and 2 accounts reporting for account number XXXX then remove these account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have not been able to access my account at Ally Bank for the past 5 days. 
Their customer service phone numbers do not work. 
For the past 5 days, the site Ally, com loads but the links are dead. The page then disappears. A message says Something has gone wrong. 
Their customer service phone number ( XXXX XXXX ) connects to a high pressure medical device company. 
Their Report Fraud number ( XXXX XXXX ) does not connect at all. 
Can you help?

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 2023-03-29 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: NC

Complaint narrative:
XX/XX/XXXX : I was reviewing a recent credit report from Experian that was generated on XX/XX/XXXX and noticed an incorrect address on my report. The address is XXXX XXXX XXXX, XXXX XXXX NY XXXX. I have never lived in NY and I have never been associated with this address. I then checked my credit report and noticed that an account for a credit card on XX/XX/XXXX at " XXXXXXXX XXXX XXXX XXXX ''. I did not open this account and I have never heard of the bank. The account status was listed as closed. I immediately called the contact number list, XXXX and left a message. 

XX/XX/XXXX : Received called back message from XXXXXXXX XXXX contact and was told that the fraudulent account was identified immediately and the account was closed on XX/XX/XXXX the day after it was opened. I was told to contact Experian directly and inform them that I had spoken with the company and to request that this account information be flagged as fraud and to be removed from my credit report. 

XX/XX/XXXX : I called Experian and made the request in the form of a dispute to have the account information as well as the address information flagged and removed from my account. Experian informed me to report the fraud and file a report on XXXX I am currently dealing with identity theft that was confirmed by the IRS for my XXXX tax year that XXXX possibly be linked to the same NY fraudulent address.

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 2023-03-29 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: MO

Complaint narrative:
The credit bureau are reporting information on my personal credit report that shouldn't be on it without my permission. I've disputed the following items and they still haven't remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: MO

Complaint narrative:
The credit bureau are reporting information on my personal credit report that shouldn't be on it without my permission. I've disputed the following items and they still haven't remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-03-29 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: CORELOGIC INC
State: CA

Complaint narrative:
Credco XXXX XXXX XXXX XXXX, WAS NEVER AUTHORIZED XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX  BOTH WERE NEVER AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX was never authorized

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