vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 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:
In XX/XX/XXXX, Experian began reporting accounts on my consumer credit report without my written consent. According to the FCRA XXXX Fair Credit Reporting Act ), 15 USC 1681b. ( 2 ) consumer reporting agencies may furnish a consumer report under the following circumstances and no other ; In accordance with the written instructions of the consumer to whom it relates. I have repeatedly requested that Experian remove the below accounts and Experian has ignored my request with their latest dispute results dated XX/XX/XXXX stating The company certified to Experian that the information is accurate and the item was not changed as a result of my dispute. 
Those accounts are : 1. XXXX XXXX XXXX XXXX ( this company sent a request to the consumer reporting agencies to have their account removed from my report but Experian is saying that the company certified its accuracy. Please see the attachment with the companies response about requesting this account to be removed after my CFPB complaint against them dated XX/XX/XXXX ) 2XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX 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 2021-06-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX  Bank Credit Cards XX/XX/XXXX Experian XXXX Sales Financing XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX  Tenant Screeners XX/XX/XXXX Experian XXXX Tenant Screeners XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-06-25 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:
On multiple occasions I have tried connecting with all three credit bueras to have closed and settled accounts removed from my reports. After many attempts neither of all three credit bueras removed these settled accounts from my reports. They continue to give me a hard time and trouble getting these closed XXXX balance accounts removed. They continue to hinder me by not removing these accounts. I am writting to have cfpb step in to apply all laws and regulations. If no problems are to be fix I will have to seek legal action so that my rights are not continued to be violated.

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 2021-06-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I noticed my card was missing so I called my bank to let them know we found a couple of unauthorised charges on my account and we disputed it. A few weeks later I saw the charges posted on my account with a letter saying that they couldnt determine if there was a fraud based on no information. I called the bank again and the my decided to reopen the case and since then I havent heard anything from them tried to call a few times with no straight answer. This complaint will be my first step before going to the legal direction.

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 2021-06-25 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I filed a prior complaint with the CFPB on this issue. I was unable to cancel a credit monitoring service offered by Chase Bank. Chase did respond to my previous complaint and i received an email saying the credit monitoring service was canceled. 
I have received 3 credit monitoring alerts after it was supposedly canceled. 
So it still hasnt been canceled. 

I just want Chase to stop monitoring me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 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: NJ

Complaint narrative:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus, nor have I received any documentation to verify that the information is mine and is correct, which is required under law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failing to do so, will result in legal action being taken against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CA

Complaint narrative:
I sent a 609 letter to Experian and a 30 day demand to comply. via certified mail. I sent it a second time and still no response. I have received nothing in the mail and no communication in the Experian app of a dispute being opened.

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 2021-06-25 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo allowed 2 charges to go through on my account for item I did not purchase and did not walk out of the store with. Wells Fargo refuses to provide anything that has my signature on it and continues to deny my claim. I have contacted them over 50 times between emails and phone calls and no one is helping me. 
The total charge amount was on XX/XX/2021 in the amount of {$3400.00}. This amount came about in two separate charges, the first amount was {$1000.00} and the second amount was {$2300.00}. I do not have the date it was charged because I do not have access to the account anymore. They temporary credited my account and reversed it several times and then refuse to provide and proof for the reversal. These fraudulent transactions caused sever hardship and caused my bank account to go into negative several thousands of dollars.

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 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Please do not hesitate to help me as I XXXX citizen there's no doubt for that, my heart belongs and loves United State of America, please be there and be kind to help me in times of difficult situation of mine to keep going to live. This really affects me a great impact/big deal about closing my account for no reason. I came here to CFPB to help my problem and advocate my favourable concern, I'm not a bad guy or bad person and also I'm not a hacker or else doing something illegal to closed/shut my account off. I am hoping PAYPAL a good company address my problem and justify it fairly. Reinstate my account is my privilege and blessing to continue use my paypal account and to use my pending/hold balance. Due to this problem Im facing, it cause me XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: LEXISNEXIS
State: OK

Complaint narrative:
Please remove all fraudulent bankruptcies 1. They stole the info and didn't have a permisseable purpose to report it. I Wrote the bankruptcy court requesting them to tell you if they reported it to bureaus, they did not, I did not consent to it pursuant to 1681b. ( 2 ) .. I want all of the bankruptcies removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: NM

Complaint narrative:
I bought a car from advantage XXXX a 2017 XXXX XXXX and I bought the gap insurance as well from XXXX XXXX and had full coverage from XXXX XXXX XXXX and my car was claimed a total loss they had me surrender my vehicle and a gap and my insurance company together did not cover the entire price of the vehicle why that happened I don't know I thought Gap was the purpose of finishing paying off if the insurance company did not pay off so now I have {$1600.00} balance on my credit report from Chrysler Capital can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$1400.00} {$2200.00} {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1400.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 









Sincerely, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
MyEquifax has been unable provide a mechanism ( online access ) to temporarily lift the freeze only my Equifax credit report. Their online method of authenticating me is faulty and the agents can't do much either. After 23-25 minutes on a call, they tend to hang up on you, so nothing gets resolved. I've faxed my SSN document, license and utility bill with a cover letter, but there's no confirmation of them having received it or any indication that they're working on it. The agents on call don't have a clue as to what documents you've sent, so you can't check on the status either. This entire company should be in a XXXX for folks to see what XXXX XXXX look like.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
They closed my account any wont let my get my {$25.00} out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed a few accounts on my credit report that are not mine and also a couple of inquiries that I did not authorize

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 2021-06-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed a few accounts on my credit report that are not mine and also a couple of inquiries that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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:
Since XX/XX/2020, I've disputed the creditor XXXX XXXX XXXX XXXXXXXX. I do NOT know this company, never heard of them before, never entered into a contract with them before, yet they appear on my credit report for {$29000.00} in debt. I've requested copies to satisfy the validity of the debt from Experian and XXXX  without success, and this item continues to appear on my credit report negatively impacting my creditworthiness. 
After the dispute, the credit bureaus respond that they " verified the debt '' without providing any documentation that the debt is valid -- they can't because I've NEVER gone into any agreement with this company. They are violating my rights without consequence.

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 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Paypal has put a 180 day hold on about XXXX dollars in my available funds with little to nap explanation. I desperately need my money. I have waited about 4 months at this point, but with covid and recent bills it is critical the funds are released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called capital one to remove a late payment that was fraudulent they will not remove it and it is impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stevens Business Service, Inc.
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
This company added a unknown person to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: NJ

Complaint narrative:
I have not get any letters from this company to let me know if they are investigating or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I can not get my credit report from either Equifax or XXXX XXXX. I have paid for services to get this from them as well and still unsuccessful!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank PayPal XXXX is incorrectly reporting an account that was included in a bankruptcy proceeding. They are reporting this account as open and with 2 late payments. This information must be deleted, it is completely incorrect. I have an ongoing dispute about this account with XXXX, but it is coming back verified by Synchrony. This error must be corrected immediately.

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 2021-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK
State: AR

Complaint narrative:
I sent Gateway Mortgage my XX/XX/2020 payment on XX/XX/XXXX. Due to COVID the mail was behind and they didnt receive the payment until after XX/XX/XXXX causing me to have a late payment reported. I have ask them to please remove this late payment, but have been unsuccessful. I was in contact with them every day once the contacted me letting me know the payment hadnt been received. The representative just kept telling me to call back and they were notating my account and it wouldnt be reported late. That was my main concern and I continued to ask them that. I know they record the calls if they would pull the call they would see I kept calling and was told nothing negative would be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My open XXXX XXXX XXXX XXXX  was removed from my credit report. Experian told me it was because the lender ( XXXX XXXXXXXX XXXX ) told them to do so. I called both parties who blamed one and other and told me there wasnt anything I could do. My account is sure to and paid with a XXXX $ availability. Therefore inaccurate information is being reported. Im not receiving proper information and its directly affecting my credit which I find very unfair! Please help me

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 2021-06-25 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:
Hello. I'm XXXX XXXX! Last 4 of SSN XXXX EQUIFAX HAS NOT HELP ME WITH REMOVING IDENTITY FRAUDULENT INQUIRES ON MY CREDIT REPORT..IVE.ALSO SENT 2 PREVIOUS DISPUTE. LETTERS THIS PAST YEAR. THESE LIST.OF FRAUDULENT. INQUIRES. MUST BE REMOVED!!! I DO NOT.HAVE ANY OPEN.ACCOUNTS.WITH THESE LENDERS. EQUIFAX HAS BEEN IGNORING ME..LIST.BELOW XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation