vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 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: TX

Complaint narrative:
Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. 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 NOT CAPTURED - XXXX XXXX XXXX - XXXX ; and XXXX XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-04-21 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: Credit Plus Inc
State: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX Inquiry : XX/XX/2021 XXXX XXXX Inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: FISERV FINXACT CORE
State: MA

Complaint narrative:
On XXXX I tried to use my credit card and it was turned off. I called and found that there were 4 charges that I didn't make. The company flagged this and shut off the card. Two of the charges were pending and the company denied them. Two of the charges, however, they let go through. The charges were dated XXXX for {$100.00} each. There were two identical charges. I disputed those two charges and on XX/XX/XXXX received a denial letter from them stating that the merchant provided " compelling evidence which included your name, address, and phone number. '' I called the merchant and they had no record of my name, address or phone number. I called the card company back and requested the documentation they relied on in making their decision and was told that it would be mailed in ten days. They supposedly sent it out on XX/XX/XXXX. I never received it. I called again on XXXX and they requested the documents be mailed again. The were supposedly mailed to me on XXXX and as of XX/XX/XXXX have not received them. I'm told the fraud department does not take phone calls. They will not email the information to me. There is no way for anyone to tell me verbally what information they had on file. The only thing the can do is request the documentation again. This has been over a month and I am still getting a run around with them. They told me I could send another letter, but without knowing what they used to rely on, I feel that's a waste of time. Hopefully you can help resolve this? They were two charges I did not make or authorize. They were for gift cards that were emailed to someone using my card and nobody can provide any information about anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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:
XX/XX/XXXX and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. 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 NOT CAPTURED - XXXX XXXX XXXX - XXXX ; and XXXX XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XXXX XXXX, I found XXXX XXXX charged several purchases to my Chase credit ( ending in XXXX ) with the receipts not my name/address, but to another person.I reported Chase to deny these charges, Unfortunately on XXXX. XXXX Chase rebilled me again to my newly issued card ( ending in XXXX ) without my permission. 
On XX/XX/XXXX, XXXX XXXX from Chase called me asking me if somebody stole my credit card. I told her I am unaware if the credit card number had been stolen, Especially I was in XXXX from XXXX, XXXX until XXXX XXXX, XXXX, still showed 5 charges in my statement with the receipts not my name /address, but to another person. I never give permission to XXXX XXXX to do in this way, Chase should be credit back to my credit the amount. 
On XX/XX/XXXX, Supervisor XXXX from Chase called, she said she couldn't give me her last name, and her Chase employee number she said she has evidence of my physical card being inserted into the chip reader, I told her even if my physical card was used, the receipts provided by XXXX XXXX  show the purchases were done by another person and a mailing address that is not mine. She forced me to pay all of the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: FL

Complaint narrative:
In XX/XX/XXXX I noticed fraudulent accounts on my credit report and proceeded the identity theft dispute process by providing all necessary documentation including FTC and police reports. As of XX/XX/XXXX all items in questions were removed from report as they were verified to be fraud. On my credit report for XX/XX/XXXX I noticed a XXXX XXXX credit card that was previously removed was added back to report. I proceeded to dispute again on XX/XX/XXXX and XX/XX/XXXX. I called in the disputes as well and Experian and XXXX informed me that there was nothing they could do to help even though they could see that it was previously removed due to fraud. This has caused an indescribable amount of stress and hinderance in allowing me to qualify for credit because of this account dragging my score down over 50 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America does not send monthly or even quarterly Certificate of Deposit statements, so I have no way of knowing how much interest we accrue on our CD and on what date. I am unable to reconcile my accounting software with the actual bank balance unless I am just lucky enough to log onto my account on the exact date the interest posts, as even the online statement does not show the accrual. 

Is there not a law that states that they must send a statement, at least quarterly, if interest has been posted to our account? Even if it was available online, that would be better than nothing, but the online account does not create a statement either. I have to waste time being passed between different departments when I call to get the information. Absolutely ridiculous. I have already registered a complaint with the bank, twice this year alone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/2021 a friend of mines sent me XXXX worth of bitcoin roughly {$510.00} in USD. Ive been using bitcoin features on my cash app for a year with no issues receiving or sending so i told him to send it to my cash app wallet address which is ( XXXX ). It suppose to change after every confirmed deposit. My friend confirmed with me with a picture that he sent it to that exact address and it had 3 confirmations. i have not received my bitcoin at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity bank-HSN -Card I had and paid off in XX/XX/2018. I called Community Bank and they no record of me owing anything. I have an old credit report stating it was paid. 

XXXX from XXXX has called me and my brother ( I don't know how he got his number ). He has threatened and continued to call and wants immediate payment. He is very nasty. His number is XXXX number says XXXX, NY. He needs to be stopped. He is scamming and trying to get money that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have a store credit card provided by Synchrony Financial for their " Luxury '' accounts. I opened this account in XXXX of XXXX to finance a piece of jewelery. I was told at that time there would be an 18-month interest free promotional period. The initial purchase price was {$10000.00}. In XXXX of XXXX I received my statement showing that the promotional period had ended and the interest ( approx : {$3500.00} ) added back to my balance. I called Synchrony and they explained that I was only given a 12-month promotional period and that I needed to call the merchant to discuss what happened. I then called the merchant and they explained that somehow it got messed up in processing and they were happy to fix it. The merchant and Synchrony communicated ( Approx. XX/XX/XXXX ) and the merchant provided the correct documentation to Synchrony stating that the promotional period should have been 18 months. After that, I spoke to an associate with Synchrony who confirmed that the documents were received and they would begin correcting the account. They informed me that this update would take up to ( 2 ) billing cycles to correct. After my second billing cycle ( XXXX Statement ) with no update, I then called back into Synchrony to ask what is going on. This call took place at the beginning of XXXX ( I dont have the exact date because I was at a training for the military ) and I was explained to then that it actually could take up to 60 days rather than two billing cycles. I was told that they called the " account management or merchant services '' team with Synchrony and they had received it and were currently processing it. On XX/XX/XXXX I called back into Synchrony because I have not received any further communication and nothing has been updated on my account. After speaking to the associate, they told me that nothing has been received and that a promotional period can not be extended after it has ended. Then I was told that there has been no record of this request. I now have an additional {$4500.00} of interest on the account and no one at Synchrony seems to want to help correct this error.

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 monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN ADVISORS GROUP
State: VA

Complaint narrative:
Early in XXXX, we closed in on a reverse mortgage with a company XXXX. Their spokesman is actor XXXX XXXX. The ads on the Tv. seemed honest. We were told we had substantial equity and assumed we had some cash coming at the closing. The notary said there is no cash instead an amount of XXXX XXXX dollars was set aside for needed repairs. The money to be given to us after the repairs are made. I told them I need some of the money for a down payment for the repairs to get started, but they say no way. Now I have been informed that the loan is in default because the repairs are not done. With the covid and no money for a 30 percent down payment, I am locked out. The XXXX not-so-nice department sent me a letter of the statement says I have a credit line of XXXX to use. I call them in XX/XX/XXXX and I asked to have the money for a down payment for repairs and they told me I can not have the money because the loan is in default. Why did they send the letter to me in the first place? Now in XXXX I contacted the XXXX office which is accounting and residency verification told me that the XXXX office is breaking the law that that money is mine and to be used for any bill or project I choose. They told me that putting the loan in default has gone against us in the credit line making us look like we are behind in payments, there are no payments in a reverse mortgage. Either way this makes us look bad, it's like we are being punished for nothing.. The XXXX office is trying to straighten things out but the XXXX is not coperating. Nothing seems to be going anywhere. I would suggest starting with the XXXX office as they are trying to be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: Lending Club Corp
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX LENDING CLUB XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: NV

Complaint narrative:
XXXX HOW IS THIS ACCOUNT 150 DAYS LATE AFTER CHARGE OFF? Upon viewing my credit reports I noticed account TARGET/TD had a discrepancy in the DATE OPENED & DATE OF LAST ACTIVITY section of the listing XXXX and Experian are reporting different dates. Date open on XXXX report says XX/XX/XXXX but on Experian it says XX/XX/XXXX. Also, on the date of last activity it also has different dates, XXXX says XX/XX/XXXX and Experian says XX/XX/XXXX. If this is the same account, reported by the same creditor how are these dates different? Additionally, the HIGH BALANCE says {$810.00} on XXXX but on Experian say {$0.00}, which balance is it {$0.00} or {$810.00}? Lastly, Experian pay history does not meet FCRA regulations. How is it possible to be 150 days late after an account has already been charged off? Look at Experian pay history of XX/XX/XXXX!!!! Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE this item immediately. 


the statement above was a list of factual reason why the account in question should have been removed but Experian replied with the account being verified. I feel they didn't do a real investigation and is in violation of FCRA regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Incorrect information reporting on credit for XXXX, XXXX, and XXXX. 

XXXX XXXX Capital One, appears on credit as Capital One Bank USA N incorrect balance, and multiple received mailings with different balances, different transactions, from actual account. 

XX/XX/2019, reported fraud on account, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, inaccurate information reporting on credit bureaus, multiple mailings received from different payment and billing offices. 

XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: DISCOVER BANK
State: OH

Complaint narrative:
Incorrect information reporting on credit for XXXX, XXXX, and XXXX. 

XXXX XXXX XXXX XXXX, appears on credit as XXXX  XXXX XXXX XXXX N incorrect balance, and multiple received mailings with different balances, different transactions, from actual account. 

XX/XX/2019, reported fraud on account, Discover, Discover Financial Services, Discover Bank, Discover FIN SVCS LLC, inaccurate information reporting on credit bureaus, multiple mailings received from different payment and billing offices. 

XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX and XXXX XXXX Discover Card XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief