vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CONTACT # : XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX  Equifax Credit Report still displays a fraudulent account and is the only credit bureau that has this alleged account underneath my name. I am writing to dispute the following information in my credit report file. I have attached serval documents to prove the fraudulent allegation put upon me. This is unfair the items I disputed on the attached copy of the report I received.The information on XXXX XXXX XXXX XXXX or KNOW AS XXXX XXXX XXXX with a balance of {$110.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: IL

Complaint narrative:
Claim submitted on XX/XX/2021 Bank of American for {$84.00} in purchases made through my credit card after I had lost it. I reported the charges as soon as I found out and blocked my card. They sent me a new card and gave me credit for the unauthorized which was later reversed. I have called them multiple times after the credit reversal to get more information and they assured me that they'd review the charges and reinvestigate. However, I haven't heard back from them.

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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way you were able to verify this! I'm invoking my rights as a consumer under Federal Law and they are choosing to blatantly just ignore me. That's why I am filing this complaint

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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian added something to my almost perfect credit. This reduced my score by over 100 points. I can not get through to anyone there to make the correction. I believe they just hung up on me. Is this legal for them to have such an impact on my life and not even have the courtesy to talk to me regarding this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. and some wrong information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am writing concerning my experience with Capital One that is both a grateful thank-you and a pressing request concerning my account. 

I received my Capital One credit card on XX/XX/XXXX and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in XXXX of XXXX I made 1 late payment. 

This letter is regarding a 7 year old Kohls credit card which is issued by Capital One. Ultimately, my Kohls card was closed due to inactivity. No correspondence was ever sent to me encouraging me to use the card. 

The Kohls policy in the terms and conditions does not require them to do so. However, consideration for your clients credit report and score should have been taken into account. A point worth mentioning, my Kohls limit was never increased from {$300.00} in 7 years even though my score is nearly 800. That removal while small in amount hurts my overall credit score length of history, which was through no fault of mine.

Since the late payment does not reflect my current status with your Capital One credit card, Im requesting that you remove the missed payment with the three major credit bureaus.

Not to mention, I have made 200 on time payments with 16 revolving accounts over the course of 4 years.

I sincerely hope that Capital One, as an act of good conscience and fairness will right this wrong. If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. I thank you again for the time you have spent reading this correspondence. 

Very hopefully yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am not familiar with this account. I have been disputing this account for some time now and have reached out to Bank of America for validation of the debt. How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them. It has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity Bank has been repeatedly calling me while I am at work. I have asked them to stop calling me as I have talked with someone about the collection, but they have been continuously calling me at work. This is harassment and is interfering with my job performance and livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I HAVE INCORRECT OLD ADRESSES THAT NEEDS TO BE DELETED I HAVE TRIED SEVERAL TIMES TO GET THIS REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB/AMAZON XX/XX/2020 I did not authorize a credit pull from Amazon. I do not recognize this credit pull. I do not have nor have I ever requested a credit line with Amazon.

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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my 3rd attempt to have incorrect, inconsistent, and unverified information corrected or deleted from my credit profile yet these items remain unchanged. I have not received any correspondence from your company in 60 DAYS. I am demanding that all disputed items below be removed pursuant to 15 USC 1681i ( a ) ( A ) ( 1 ) and 15 USC 1681 ( a ) ( A ) ( C ). 

My first letter was sent XX/XX/2021. There was no response. 
My second letter was sent XX/XX/2021. There was no response. 

As you know, continuing to report this inaccurate, incomplete, and unverified information makes you liable under 15 USC 1681n and/or 15 USC 1681o. The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

I have attached all of the previous letters and a copy of my credit report to this 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 explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted Experian XX/XX/XXXX and XX/XX/XXXX with regards to the account XXXX XXXX XXXX First I advised Experian that I have never opened an account with this company. I requested from Experian to send me a copy of the signed contract or signed agreement that I have with this company and or documentation they used to verify that this is my account. As of today they have not done so. I also asked Experian to explain how can they report an open date of XX/XX/XXXX and a last activity date of XX/XX/XXXX. That's telling me there was no activity since its is the same date. But they are reporting this account as derogatory. Experian continues to report inaccurate information.

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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on AMER FST FIN. Please change the status to Paid or simply " Remove '' the account, and where is the proof of payment history for this account? These statuses are damaging to my report, which would not be happening if the bureau investigated properly and before posting derogatory information. Per FCRA, reporting must be 100 % accurate or this MUST be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: CBC Companies, Inc.
State: TX

Complaint narrative:
FACTUAL DATA Credit Unions and Finance Companies Other Than Personal Finance Companies Individual XXXX XXXX XXXX My wife called into our current Mortgage company XXXX XXXX  to only inquire on how it works to pull our equity out early. I was not in the home nor did I give any permission to pull my credit. 

The agent on the phone asked for my wife 's information in order to pull up our current loan. At no point did my wife give permission to run our credit. We specifically only asked what are the steps and how it works if we were interested in pulling our home equity early. We were not wanting to do this at that time nor did we ask or want our credit pulled. 

We did not request a loan of any kind at the time. The hard pull was done without consent as my wife 's call was specifically only for asking about home equity and how it works. Not asking to do this at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I have a brokerage account with Charles Schwab that was opened around XX/XX/2021 which was supposed to also include a checking account. I called Schwab 's customer service today on XX/XX/2021 to make sure that I could use the brokerage account and checking account as my main deposit and they informed that XXXX XXXX  found negative information about me. I went on XXXX XXXX to pull my report that they have on me and no such negative information was found. I can attach the report that was given to me. I am unsure why I was declined and feel like my money isn't safe in a brokerage account that I can't easily liquidate when that was what they told me when I was opening the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX I sent a letter regarding inaccurate unknown things and late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
I am XXXX XXXX the natural person, consumer and original creditor submitting this complaint. This organization has contacted me without my direct consent also sent a letter containing numerous consumer violations violations and they have in fact invaded my right to privacy as well as several other violations in a debt collection attempt. Envoking my specified remedy pursuant 15 USC 1692k as a consumer set forth in the attached affidavit of truth also mailed by certified mailed to company I demand that action be taken into resolving this matter within 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CONTACT # : XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX XXXX  Credit Report still displays a fraudulent account and is the only credit bureau that has this alleged account underneath my name. I am writing to dispute the following information in my credit report file. I have attached serval documents to prove the fraudulent allegation put upon me. This is unfair the items I disputed on the attached copy of the report I received.The information on XXXX XXXX XXXX XXXX or KNOW AS XXXX XXXX XXXX with a balance of {$110.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

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