vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-03 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: EQUIFAX, INC.
State: WI

Complaint narrative:
1. XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00}, I have disputed the inaccurate information multiple times with no response. 

2. XXXX XXXX XXXX. XX/XX/XXXX, {$280.00}, I have disputed the inaccurate information multiple times with no response. 

3. XXXX XXXX XXXX ,  XX/XX/XXXX, {$440.00}, I have disputed the inaccurate information multiple times with no response. 

4. XXXX, XX/XX/XXXX, {$240.00}, I have disputed the inaccurate information multiple times with no response 5. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 6. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 7. XXXX, XX/XX/XXXX, {$160.00}, I have disputed the inaccurate information multiple times with no response 8. XXXX, XX/XX/XXXX, {$140.00}, I have disputed the inaccurate information multiple times with no response 9. XXXX, XX/XX/XXXX, {$450.00}, I have disputed the inaccurate information multiple times with no response 10. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 11. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 12. XXXX, XX/XX/XXXX, {$270.00}, I have disputed the inaccurate information multiple times with no response 13. XXXX, XX/XX/XXXX, {$310.00}, I have disputed the inaccurate information multiple times with no response 14. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 15. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 16. XXXX, XX/XX/XXXX, {$410.00}, I have disputed the inaccurate information multiple times with no response 17. XXXX, XX/XX/XXXX, {$170.00}, I have disputed the inaccurate information multiple times with no response 18. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 19. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 20. XXXX, XX/XX/XXXX, {$340.00}, I have disputed the inaccurate information multiple times with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}, {$11000.00}, {$5800.00}, {$5300.00}. 
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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.

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 2021-01-03 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: LEXISNEXIS
State: AZ

Complaint narrative:
On XX/XX/2020 LexisNexis received my dispute from the U.S. Post Office with a return receipt with signature confirmation concerning multiple errors pertaining to my LexisNexis C.L.U.E . report. 

Since XX/XX/2020 I have waited for over two months for their response and nothing has been rectified since my dispute was delivered. 

It has been over 60 days and LexisNexis had 30 days to respond and the extra 5 business days after completing the investigation to notify me of the results of the disputes. 

There were no extra disputes mailed after XX/XX/2020 which would of made this dispute stretch to 45 days or more. 

Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. 
if the credit reporting agency does not respond within 30 days they are obligated to remove the disputed record ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I recieved a letter from American Express dated XX/XX/XXXX that stated, " We are writing to inform you that after a recent review of your American Express account referenced above, we have cancelled the account because it was not being used for its intended purpose. '' This letter came after I was called by an American Express representative stating that my account was to be cancelled, which I thought it was a " scam '' call. I contacted American Express and they told me that indeed my card was cancelled, but they could not tell me why and could not put me in touch with anyone that could do so. I have been a cardholder since XXXX and I have never had any problems or issues associated with this account. 

My wife and I are currently in a Covid19 mortgage forbearance with XXXX XXXX and my wife 's career has been affected by the Covid 19 virus. She is currently collecting XXXX. We also recieve XXXX benefits and XXXX. We pay all of our bills on time and have above average credit rating. The cancellation of my American Express card will affect my credit rating, as I have had this card for over 16 years. I feel they are being evasive and lack transparency in their communication regarding this matter. I can only assume this may be related to our current Covid19 related forbearance and our participation in public assistance programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: Self Financial Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX I had {$2000.00} stolen from my Bank of America card that I receive my unemployment benefits on. I have filed a police report and I have repeatedly called the bank at least once a week every week since then. Every time I call, they say my claim is still under review for investigation. I called again on XX/XX/XXXX to check on the status of the investigation only to learn that my card was closed and my claim was not under review. When I called before, I was told that my claim was being looked at and investigated. Every time I call, I am told different information. I only receive vague answers and nobody seems eager to help me at all. If there is anything you could do to help me get my stolen money back it would be incredibly appreciated. I do not have enough money for rent and I currently have no money to buy food. I believe there is a zero liability policy for those who become victims of fraud. It is the middle of a pandemic and I am unemployed. I desperately need this stolen money back.

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 2021-01-03 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: NY

Complaint narrative:
Summary : I believe that Equifax is in violation of Federal consumer financial laws. Please require Equifax to timely provide me with copies of my free annual credit report immediately and annually hereinafter without delay or further harassment. And please require Equifax to allow me to request and receive copies of my free annual credit report online rather than requiring me to send my requests in writing. 

Timeline of Facts : XX/XX/XXXX - I tried to request a copy of my free annual credit report from Equifax online. Equifax refused to provide me with a copy online. Equifax 's automated online response to my request was that I could not request a copy of my free credit report online. Equifax did not provide any specific reason as to why not. It stated that I had to send a hardcopy of my request. 

XX/XX/XXXX - I sent to Equifax another request for a copy of my annual credit report. I used Equifax 's Annual Credit Report Request Form ( hardcopy ). I sent the request form with the requested supporting documentation to Equifax by US Mail to Equifax 's listed address which was XXXX. XXXX XXXX, XXXX, GA XXXX. 

XX/XX/XXXX - Approximately 45 days after my initial request for a copy of my annual credit report, I received a letter from Equifax requesting me to submit yet another request with additional supporting documentation in order for me to obtain a copy of my annual credit report. 

XX/XX/XXXX - I sent to Equifax yet another request for a copy of my annual credit report with the requested supporting documentation. I sent the request by US Postal Service letter to Equifax 's listed address which was a different address than was previously provided to me. Now I was being requested to send it to XXXX. XXXX XXXX, XXXX, GA XXXX. Equifax did not provide me with an answer as to why they changed the address or why I could not obtain a copy of my credit report online or why it did not fulfill my prior request for copies of my credit report. 

XX/XX/XXXX - It's now the XXXX XXXX ( XXXX ) and I am am still sitting here waiting for my a copy of my annual free credit report from last year ( XXXX ). Its been approximately 95 days since my initial request, and approximately 48 days from my last request, and I still have no free annual credit report which, by law, Equifax is required to provide me. Not even a timely response from Equifax. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: MA

Complaint narrative:
I have tried disputing these accounts with Experian since the beginning of last year. I disputed even with the original creditors and for some reason the information was removed from the other two credit reports but not from Experian. They have made it really difficult for me to dispute this information and keep going back and forth with this with no resolution. I do not have the means to hire a lawyer as I am a XXXX XXXX veteran.. The following accounts should not be reporting on my report : XXXX {$520.00}, XXXX XXXX XXXX XXXX  for XXXX XXXX  XXXX  for {$660.00} and 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 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent in several letters to transunion, equifax, experian and collection accounts. On these dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I sent letters regarding inaccurate, unknown and not the same information reporting across the credit bureaus on my credit report and there has been no changes. Bankruptcy docket #, the courthouse states that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. This information is public records. So it needs to be removed immediately. This is willful negligence on their behalf and a violation of the FCRA. As a result it is affecting my credit score and causing damage to my reputation. They keep sending from one person to another. I have been dealing with this for a year now and the accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I demand that these accounts be promptly deleted.

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 2021-01-03 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: CA

Complaint narrative:
I have repeatedly sent them the paperwork of a lawsuit that shows this info should be deleted off my credit report and not report at all. I sent them paperwork where the other reporting agencies deleted it but this agency refusing to delete and keep changing information and hurting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XX/XX/XXXX - CFPB ID No. XXXX On XX/XX/XXXX, I wrote Barclays, acting as Debt Collector, stating that I have already presented/submitted all documentary evidence to prove that I have not receive the order. Since they charged my credit card for the price of the order amounting to {$71.00} and continue to charge monthly interest thereto, since XX/XX/XXXX, I demanded proof of delivery. 

I am having XXXX  and XXXX XXXX, since XX/XX/XXXX, due Barclay 's refusal to credit my card and stop charging interest, even though the Vendor, XXXX XXXX, can not even produce a semblance of proof of delivery, much more their claimed that I signed delivery receipt on XX/XX/XXXX. 

This is tantamount to violation of Fair Debt Collection Practice Act, for acting as Debt Collector of a Vendor, Staples Direct.

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 2021-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
ON XX/XX/2020 I SENT CERTIFIED LETTERS TO XXXX AND XXXX EXPLAINING THE INACCURATE REPORTING AND ERRORS I FOUND ON MY CREDIT REPORT ABOUT WRONG ADDRESSES AND ACCOUNTS FOR THE AMOUNT OF {$110.00} FROM XXXX XXXX  AND {$130.00} FROM XXXX XXXX. THE ADDRESSES WAS CORRECTED BUT THEY COMPLETELY IGNORED THE REST. I RECEIVED A RESPONSE FROM XXXX  ON XX/XX/2020 WITH A CONFIRMATION # CORRECTING MY ADDRESS THATS ALL THEY NEVER RESPONDED ABOUT DISPUTE IN INVESTIGATION I HAVE YET TO RECEIVE ANY INFORMATION ABOUT ACCOUNTS PERTAINING TO ME FROM XXXX XXXX IN XXXX, TX XXXX OR XXXX XXXX IN XXXX XXXX, TX XXXX OR BUREAUS

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Numerous complaints have been filed in reference to two ( 2 ) charges with XXXX XXXX XXXX, a mobile cellular service company. I've got a PLETHORA of documentation, dates and times in reference to two ( 2 ) charges that have been opened, closed, reopened, closed an reopened multiple times due to the timetables set by the internal fraud department at Synchrony Bank, not allowing me to fill out a formal affidavit in a timely manner. 

Just today, I wasted another roughly thirty ( 30 ) minutes of my time in reference to two ( 2 ) charges from XXXX XXXX XXXX that was billed as XXXX on my account, a company I've been personally been investigating for over five ( 5 ) years. 

Unbeknownst to myself, a charge was made on XX/XX/XXXX to open the account for XXXX, as well as XX/XX/XXXX for XXXX with the merchant/bank as XXXX. I've filed NUMEROUS fraud complaints against these charges and as stated above the case was opened and closed multiple times due to paperwork arriving late and Synchrony Bank closing out the case without allowing me to state my case. 

In a document ( coded XXXX ) received electronically via email DATED XX/XX/XXXX a " Claim Review Completed '' document was received that stated - " The Synchrony Fraud Team reviewed your claim and is unable to approve it for the following reason ( s ) : X You authorized, participated in, or benefited from the purchase. 

The documentation I was waiting for to fill in a formal affidavit was coded XXXX XXXX XXXX ( XXXX ), dated XX/XX/XXXX and received AFTER their fifteen ( 15 ) day timetable as referenced in their letter even though the letter explicitly states " Please note : A fraud investigation can take up to 90 days. You will be notified by mail withing 7 to 10 days of the case closure. '' Everything done by Synchrony Bank is FRAUDULENT in nature with the reasoning for the formal complaint as I've spent hours and hours and hours on this to no avail.

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 2021-01-03 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: PA

Complaint narrative:
I reached out to the credit bureau to ask them to get in contact with a collection agency that was reporting an account on my profile. I asked that they do an investigation to provide me with original documentation that states that this account belonged to me because I do not recognize this account. I also asked experian to provide me with information regarding how they received this information to report on my account and who they spoke to. I received nothing but a verified. It is my understanding that the information must be 100 percent accurate and Its my right to request those things. experian did not prove or provide me any information that connect me to this collection account.

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 2021-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have an auto loan from BANK OF AMERICA, N.A., and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA, N.A. and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, BANK OF AMERICA, N.A. has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and BANK OF AMERICA, N.A. with no successful resolution.XXXX XXXX  and XXXX reporting me 30 days late. There was an error on their part. I was never 30 days late three times.

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