vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-06 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: IL

Complaint narrative:
I am trying to remove a dispute from my credit report in the remarks section of XXXX XXXX XXXX. I have called many times and it appears that the agents do not know how to remove remarks from the credit report. When I contacted the other two credit reporting agencies, they were able to remove the remarks within a few hours and not days. Th first time I called on XX/XX/21 they gave me dispute number XXXX. Then, I called again on XX/XX/21 and the agent told me that the first agent did not do this correctly and canceled the dispute and gave me a new dispute numbered XXXX. The dispute was marked resolved on XX/XX/21 but they did not remove the remarks as requested. Instead, they contacted XXXX XXXX asking to verify the information, which is not what I wanted. I just called again on XX/XX/21 and now they gave me another dispute number XXXX. But the issue is still not resolved. If fact it is now worse then before because apparently an agent also put in a dispute for XXXX XXXX 1 which I never disputed. It appears the Equifax does not know how to handle this type of request as the other reporting agencies are able to. Also, now I notice that the other two credit agencies now have a message in the remarks section saying that I disputed this account. I believe this was added because XXXX XXXX sent the updated info a to all 3 reporting agencies when the dispute was filed which now, I must call the other two reporting agencies again to have them remove the remarks again as I am not disputing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: MI

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. it has been over 60 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted at once. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have go into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: NV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 


I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: CA

Complaint narrative:
Ive disputed account with Experian before and yet accounts somehow are still being reported to them with violations in which theyre supposed to verify the accuracy of which the reportings are and remove them if found. XXXX XXXX XXXX is reporting inaccurate information on the reporting and even so reporting a past due on this account which is a violation per the FCRA. This is considered a collection account and collection accounts can not report a past due balance which in this case they are. This account also has inconsistencies with the balance being owed for Experian {$3300.00} and XXXX  as {$3300.00}. They both have the same account number # XXXX but yet reporting different balances when theyre getting the same information from the creditor but differ. 

XXXX XXXX XXXX Has another account for which its reporting a past due balance and is violation. Account number # XXXX which I will provide documentation

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 2021-03-06 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: NY

Complaint narrative:
THE THREE BUREAUS CONTINUE TO REPORT A COLLECTION ACCOUNT FROM XXXX XXXX WITHOUT A PROPER INVESTIGATION INTO THE ACCURACY OF THE INFORMATION. Merely adding a statement that the account is being disputed is not enough. When the creditor refuses to address the dispute and claims that there is a collection agency, that creates a scenario where the consumer can not have any recourse. 
The creditor will not address the derogatory reporting, the collection agency can not and the credit bureau can report as long as the creditor says the information is correct. What is a consumer supposed to do? I have attached the account that is inaccurately being reported. 

Bureaus have not compiled with the requirement that if the creditor does not provide proof in 30 days, the information should be deleted. Please see what was provided by XXXX in response to my requests for proof. I have attached the details of one of the investigations by one of the bureaus. I could not access results of disputes from other bureaus. See dates reported to bureaus and dates of unitemized bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE THREE BUREAUS CONTINUE TO REPORT A COLLECTION ACCOUNT FROM XXXX XXXX WITHOUT A PROPER INVESTIGATION INTO THE ACCURACY OF THE INFORMATION. Merely adding a statement that the account is being disputed is not enough. When the creditor refuses to address the dispute and claims that there is a collection agency, that creates a scenario where the consumer can not have any recourse. 
The creditor will not address the derogatory reporting, the collection agency can not and the credit bureau can report as long as the creditor says the information is correct. What is a consumer supposed to do? I have attached the account that is inaccurately being reported. 

Bureaus have not compiled with the requirement that if the creditor does not provide proof in 30 days, the information should be deleted. Please see what was provided by XXXX in response to my requests for proof. I have attached the details of one of the investigations by one of the bureaus. I could not access results of disputes from other bureaus. See dates reported to bureaus and dates of unitemized bills.

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 2021-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I need to travel from XXXX XXXX to XXXX  in order to try to recover a safe deposit box from my great grandfather that was deposited a safe security box in XXXX XXXX XXXX around 1920, boxes that sometime after were acquired by XXXX ( XXXX XXXX XXXX  ). 
I would like to be sure regarding in which Branch of New York area of XXXX is the Box in order to go directly and assure the existence of the box, in order my travel be profitability, I have been writing repeatability to the safe deposit boxes area of XXXX but unfortunately I did not receive any response, I am attaching these communications, so I am asking for your help in order to obtain the name of the Branch where are the box that my Great grandfather lend us in the last Century. 
According with the control of those years ( around 1920 ) the banks had different controls and I have the proves agreed between XXXX XXXX XXXX and XXXX XXXX cited in the instructions to collect the things lend in this safe security box, below I am citing some of the background regarding this saved things. 

Hereby I give you my broad power of attorney, and quite fulfilled, for me and to act in my name, to collect from the person in charge Mr. XXXX XXXX, the Ranch of my property called XXXX XXXX, located at XXXX, Texas, also collect a house and 4 vacant lots, located in front of XXXX XXXX Hotel from the town of XXXX XXXX, XXXX, that have been rented that house and vacant lots to the American citizen Mr. XXXX , with its corresponding furnitures. Collect from the XXXX XXXX XXXX, property titles of both properties. This delivering of documents will be made by the Bank at the moment of exhibition of this proxy attached with 3 photographs of me and the Ranch. 
And also to answer the claims and counterclaims against my behalf, opposes delaying and preventory exceptions, present all kind of proves, certificate signatures and documents, oppose to argues as false to those be presented as contrary, present witnesses, see protest to the contrary, ask and cross out, structure and solve positions, recuse higher or lower Attorneys for cause or under penalty of Law, hear interlocutory and final sentence, consent of the favorable and ask for revocation for otherwise empire, appeal, supplicate or interpose resource of cassation of the rivals, ask for clarification of sentences, execute, impound and represent me in the impounds declared against my person, ask for the auction of the assets seized, design proficient and recuse to the opposite part, attend to the auctions, develop this trial, receive securities and lend receipts and credit letters, submit the present trial to the judgment of the Judges, and also, to promote all kind of sues or plaint with the aim to favor my rights, endorsing since now all what you do regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I went to XXXX and someone took my XXXX American Express debit card and swipe {$990.00} once I notice that a transaction that big was made I contacted bluebird. A prayer to resolve this matter they sent me an e-mail XX/XX/XXXX and told me in the email that the transactions was authorized if they will be suspending my account I have over {$30000.00} on that card I live out my XXXX I'm a XXXX XXXX I don't have no money to buy food or to pay for a shower I'm an XXXX XXXX this is my business. My text deposit on my card. I have no address

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report. I have accounts with XXXX XXXX XXXX AND XXXX XXXX That show up closed on my transunion /equifax report, yet the accounts are open last payment was XX/XX/2021 and I'm paying them i will provide a receipt in documents I have multiple name spellings and addresses on my report as well they may be relatives yet not mines XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX town XXXX XXXX XXXX XXXX ny

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have been a loyal customer with JCPenny and have had a store card with them for several years. Synchrony Bank is now the lender for JCPenny and I recently received a letter in the mail that my credit limit was reduced from {$1800.00} to {$100.00}. I have a perfect payment history on this credit card, I have never been late. The decision was based on several factors including : Not enough balance paid down over time on first mortgage accounts. Due to the Pandemic, my husband and I had to get hardship assistance on our mortgage. This was no fault of ours that we needed to get assistance. We were assured that this would not impact us negatively if we received hardship assistance on our mortgage. Synchrony Bank/JCPenny has made a permanent decision that impacts my credit score negatively because of temporary hardship assistance that we needed during a pandemic. Synchrony Bank/JCPenny should not have the ability to lower my limit during a pandemic based on hardship assistance that I received during a pandemic, I should not be punished permanently due to a temporary hardship that was no fault of mine. There should be a moratorium on credit limit decrease until after the pandemic.

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 2021-03-06 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:
XXXX Equifax and XXXX is not investigating my dispute I gave them a few instructions and outlines showing that I wasnt late. Instead they give me a result saying I didnt specify what I was saying on my dispute. I dont believe they did a proper investigation because saying not specified means I didnt explain what I mean. So they are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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:
XXXX, XXXX and experian is not investigating my dispute I gave them a few instructions and outlines showing that I wasnt late. Instead they give me a result saying I didnt specify what I was saying on my dispute. I dont believe they did a proper investigation because saying not specified means I didnt explain what I mean. So they are wrong.

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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX Opt-Out Form Confirmation XXXX Thank you for your interest in the XXXX information suppression program. Your request to have information suppressed from publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from XXXX products and services. 

Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 

This suppression request does not expire, and XXXX will attempt to suppress all of the information available based on the information you provided in your request. Due to the variations in personal information contained in public records, or insufficient or inaccurate information provided in a request, it is possible that personal information about you may be reintroduced to XXXX products in the future. If you become aware that your personal information is available through XXXX publicly facing products in the future, please notify the XXXX Privacy Hotline and the issue will be investigated so that we may take appropriate action. 

Should you have any questions regarding this confirmation notice, please contact the XXXX Privacy Hotline at XXXX. 

Enter another suppression request ... 






filed to not have public records

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX Opt-Out Form Confirmation XXXX Thank you for your interest in the XXXX information suppression program. Your request to have information suppressed from publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from XXXX products and services. 

Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 

This suppression request does not expire, and XXXX will attempt to suppress all of the information available based on the information you provided in your request. Due to the variations in personal information contained in public records, or insufficient or inaccurate information provided in a request, it is possible that personal information about you may be reintroduced to XXXX products in the future. If you become aware that your personal information is available through XXXX publicly facing products in the future, please notify the XXXX XXXX XXXX and the issue will be investigated so that we may take appropriate action. 

Should you have any questions regarding this confirmation notice, please contact the XXXX XXXX Hotline at XXXX. 

Enter another suppression request ... 






filed to not have public records

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 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis Opt-Out Form Confirmation XXXX Thank you for your interest in the LexisNexis information suppression program. Your request to have information suppressed from publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from LexisNexis products and services. 

Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet LexisNexis credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 

This suppression request does not expire, and LexisNexis will attempt to suppress all of the information available based on the information you provided in your request. Due to the variations in personal information contained in public records, or insufficient or inaccurate information provided in a request, it is possible that personal information about you may be reintroduced to LexisNexis products in the future. If you become aware that your personal information is available through LexisNexis publicly facing products in the future, please notify the LexisNexis Privacy Hotline and the issue will be investigated so that we may take appropriate action. 

Should you have any questions regarding this confirmation notice, please contact the LexisNexis Privacy Hotline at XXXX. 

Enter another suppression request ... 






filed to not have public records

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: AL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: MO

Complaint narrative:
My account information is being sold to several debt collectors companies and they report it to my credit. One company after another. I send in my information and the debt goes away, then they sell it again and put it on my credit constantly dragging my credit down

Company response to consumer: Closed with non-monetary relief