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: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
My two credit card accounts with American Express were opened XXXX XXXX, XXXX XXXX and XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/2017 when I told AMerican express, via phone, that my bank account on file experience fraud and I had to change the payment account with american express to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. American express kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/2017. I would like to have the charge off and closed account removed from my credit because this is the fault of American Express. I've reached out to American Express several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. American Express should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.

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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
My credit card account with JPM Chase was opened XXXX XXXX, XXXX XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/XXXX when I told Chase, via phone, that my bank account on file experience fraud and I had to change the payment account with Chase to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. Chase kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/XXXX. I would like to have the charge off and closed account removed from my credit because this is the fault of Chase. I've reached out to Chase several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. Chase should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 10 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit 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 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: NC

Complaint narrative:
I contacted Experian via mail to verify the accuracy of an alleged bankruptcy listed on my credit report. Experian responded that the information was collected from XXXX and from the US Bankruptcy Court. I called Experian, and was too informed that the aggregator of public record information, specifically bankruptcies, for Experian is XXXX. Also Experian 's website lists XXXX as the source of all bankruptcy information listed on consumer reports. I pulled the copy of my credit report, provided to my by Experian and shocked to see that the SSN number listed for me was too incorrect. Appalled by the inaccuracy of this damaging information being reflected on my credit profile, I contacted XXXX. Upon investigation, XXXX deleted information from my consumer report, and therefore sent copies of their investigation findings from my consumer report to myself and Experian on XX/XX/2021. Experian 's reinvestigation came back as verified on XX/XX/2021. Experian directed me to contact the furnisher of the information from the public record source listed on my consumer report. Since Experian has thus changed the source used in their investigative findings, I also contacted the number listed on my Experian consumer report to verify the information that Experian received upon the completion of their investigation. The number listed on my consumer report for the US Bankruptcy Court is some person 's personal cell phone number. Being that is so, how was this information verified by Experian? In addition, every letter that I have sent Experian has the last four digits of my SSN number listed. How was this information verified if the number listed on my credit report is different than my SSN? I have sent multiple certified letters to Experian with my correct consumer identifiers to ensure of accuracy of myself, and so that Experian can too match this information to what they have on file in my consumer report. Section 611 ( 6 ) ( B ) ( iii ) of FCRA states that a description of the procedure used to determine the the accuracy and the completeness of the information shall be provided to the consumer by the agency including the business name, address and telephone number of such furnisher. Since this information can not be verified, the FCRA states that this information must be promptly deleted. I have highlighted the inaccuracies on my attached credit report that I received directly from Experian after their investigation.

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: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
My two credit card accounts with American Express were opened XXXX XXXX, XXXX  XXXX and XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/2017 when I told AMerican express, via phone, that my bank account on file experience fraud and I had to change the payment account with american express to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. American express kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/2017. I would like to have the charge off and closed account removed from my credit because this is the fault of American Express. I've reached out to American Express several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. American Express should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.

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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were 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 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were 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 non-monetary relief
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: CITIBANK, N.A.
State: NY

Complaint narrative:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were 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 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: U.S. BANCORP
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were 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 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: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were 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 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were 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: 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

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: DISCOVER BANK
State: UT

Complaint narrative:
My credit card account with Discover was opened XXXX XXXX, XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/XXXX when I told Discover, via phone, that my bank account on file experience fraud and I had to change the payment account with Discover to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. Discover kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/XXXX. I would like to have the charge off and closed account removed from my credit because this is the fault of Discover. I've reached out to Discover several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. Discover should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: OK

Complaint narrative:
I have been havjng problems with my social security number. I know im a victim of identity theft. I still haven't heard anything from the first time it almost seems to be getting worse. I am needing some guidance here because people usually cant help me resolve this i always have to get sent to somebody else nobody can help me directly im very aggrevated its affecting my. Personal life its ruint my name as well and now im dicriminnated everywhere i go the crimes are way past illegal i just want my XXXX money but i cant get to my money because of these problems

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
I was XXXX by a XXXX stranger in a hotel near XXXX, Utah. I suffered a XXXX. I was forced to go to the hospital  by police. I did not want to go. When at the hospital, I told them I want to be released. After the hospital personnel resisted my request and my repeated request to be released, they would only do so if I signed a release. O signed a release document to be released at my own risk. I then walked home at about XXXX XXXX. in the morning. 

XXXX owned by XXXX attempted to collect a medical bill when I had told them all along it was a XXXX and I wanted to be released. I did not authorize the treatment and I did not commit the assault crime against me. 

Eventually XXXX gave the account to CBE, a debt collection company and I was sent a collection notice. I responded on writing with a letter containing my explaination for disputing the debt, informed them of my rights according to FCRA laws and stated for them to cease and desist. I also gave them documentation regarding the offender 's court case with DA and Judge for the case of assault. CBE Group then told me they are closing my file and sending it back to XXXX. That was approximately XX/XX/XXXX, because my letter was sent XX/XX/XXXX. 

Months and months later I received another letter attempting to collect the debt. I informed CBE with a letter that I had already disputed it and they had my letter with documentation about the court case for an assault by a stranger on me. I also informed them that they are violating FCRA laws by attempting to collect it again and contacting me to do so after I have told them in writing to cease and desist as per FCRA regulations. I then called CBE and explained again. I was promised by the CBE representative that they would remove the collection and close my file. They said they would take care of it. 

On XX/XX/XXXX, I received a credit alert email and when I looked at my XXXX credit report, CBE had made an entry that my account was in collections and my score dropped significantly. I have filed a dispute with the credit agency and reporting the error. 

Again, it is not my debt for reasons already explained. I can send copies of the letter I sent to CBE Group along with documentation showing the perpetrator 's court case, sentencing, DA information, Judge, etc. 

I am reporting this collection matter now as an FCRA violation and as fraudulent.

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: Self Financial Inc.
State: TN

Complaint narrative:
I signed up for Self-Lender, and they reported the account opened to the credit reporting agencies. Well I canceled the loan before the first payment. They closed it on my account but will not delete the account off my credit 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I signed up for XXXX, and they reported the account opened to the credit reporting agencies. Well I canceled the loan before the first payment. They closed it on my account but will not delete the account off my credit report.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I woke up Thursday, XX/XX/2021, to an email saying I had something negatively impacting my credit score. I open XXXX  to see I have a {$660.00} collection from Southwest Credit Systems that was opened XX/XX/2021. 
I literally have not even spent that much money in over a year nor do I have any accounts open on anything. I live at home with my parents why I do not have a single bill to pay. 
I never received a letter in the mail, I never received a phone call, and I never received any type of notification if this collection was even real. 
I decided to dispute this over XXXX recommended system and nothing has been resolved yet.

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

Complaint narrative:
My Paypal account was permanently limited for no reason last XXXX of XXXX. They hold my funds for 180 days, received an email last XX/XX/XXXX that my funds are ready for withdrawal. I tried withdrawing my funds from my account using the linked bank account on my Paypal account, unfortunately, the bank account is already inactive, so the bank transferred back the money to my Paypal account. Now, I can't withdraw my funds since I am not allowed to add another bank or to transfer my funds to another Paypal account holder since my account is permanently limited.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When the world emerges from this crisis Many, many consumers faces the prospect of missing payments as a unpredicted of income loss during the pandemic COVID-19. Capital One Credit did not offer or work with me to provide accomodations such as payment skip payments, lower monthly payments, lower interest rates, or credit protection. However weeks after on the web page it is stated that they are responding to consumers who are impacted by the crisis and to call the customer service. I called the customer service number and spoke to different ppl and explained how i was impacted and were told there were no accomodations being offered but told i was appreciated being a customer of capital one. Extremely disappointed and frustrated with negative impacts on my credit report. Capital One has failed and made violations of withholding notices, FCRA act, and the CARES Act.

Company response to consumer: Closed with non-monetary relief