vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 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:
Reporting incorrect information - 1 ) reported in XXXX 2 ) First Delinquent date incorrect XXXX 3 ) Account was paid - All the dates changed after that 3 ) Tried to fix with XXXX XXXX XXXX- They couldn't find it per the customer service rep. I was instructed to write a letter in XXXX and I did, no response was ever received, over 30 days to investigate. 
4 ) Reported to all the reporting agencies and they will not review old reports to see the issue. The reporting agencies are not following up, or requesting documentation for this error. 


XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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:
Reporting incorrect information - 1 ) reported in XXXX 2 ) First Delinquent date incorrect XXXX 3 ) Account was paid - All the dates changed after that 3 ) Tried to fix with XXXX XXXX XXXX They couldn't find it per the customer service rep. I was instructed to write a letter in XXXX and I did, no response was ever received, over 30 days to investigate. 
4 ) Reported to all the reporting agencies and they will not review old reports to see the issue. The reporting agencies are not following up, or requesting documentation for this error. 


XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX 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 2023-01-05 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: Rocket Mortgage, LLC
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, On XX/XX/XXXX, I was made aware that my account had been closed without my knowledge. I called your company to pay my balance in full and was told by XXXX XXXX XXXX : XXXX that there was a letter mailed to me notifying me of the closure. I never received any letter or notification. I then tried to confirm which address this was sent to, and was told nothing but excuses and lies. XXXX then said that nyour company uses some kind of database to update your client 's addresses/contact information WITHOUT ever confirming accuracy with your client. Your company then used this inaccurate information, and mailed my personal information to an undisclosed address. 

I have been a loyal card holder since XXXX, I have never made a late payment until this year when the father of my child passed away. I was left to pay for funeral expenses, lost time at work and am now a single mother. After 6 years of NOT ONE missed/late payment, this is how I am treated when I am experiencing hardship. Upon explaining this, and attempting to resolve this issue, I was refused help or any kind of resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau.

To resolve the problem, I would like to demand that my account is re-opened and any delinquencies I have received be removed from my credit report. I have spent days trying to dispute this issue to no avail. Your company has been negligent in sending my personal information to an unknown address, closing my account without my knowledge and charging me over {$200.00} in fees. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Fraudulent purchases were made to my Home Depot credit card account. Although the signatures on the sales drafts do not match those of the authorized users, XXXX XXXX contends that I am responsible to pay for the merchandise.

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 2023-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 at XXXX XXXX  I made a call to CMRE Financial Services, a debit collector. 
I made the call to advise them that I was not responsible for a collection notice of {$110.00} that was sent to me. 

The XXXX XXXX XXXX XXXX XXXX paid for all bills related to my XXXX XXXX. As all of my benefits state, the Veteran Responsibility is XXXX. 
Out of the hundreds of lines of bills for my XXXX, this has been my only bill that I have ever received. 

I explained this in detail, to the CMRE representative and she told me that I have no recourse other than dispute the bill. 
I asked her " does this mean I have to go to the FTC to get this straightened out? 

She immediately said I was threatening her by implying that I would go to the FTC, and abruptly ended the conversation. 

What shall I do? 
My credit report is important to me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed a dispute with my credit card issuer ( Chase Bank ) regarding an overseas transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and provided extensive documentation to support my dispute ( attached ). None of the information I provided was ever acknowledged by Chase. In fact, I was specifically informed in one conversation with a customer service representative that my documents would not have been reviewed before the initial dispute response memo from Chase ( in which I was informed that the merchant said the charge was valid ). I requested to reopen the dispute, provided more documentation and repeated my request to Chase to acknowledge review of my documentation. However, I was again informed by memo today ( XXXX XXXX ) that Chase determined my charges to be valid with no explanation provided in response to my specific documentation. 

My documentation is provided with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX In lieu of speaking with my Loan XXXX, he made me aware that XXXX o accounts on my credit report was not updated. This has made my home purchasing situation more diffucult than it should be. I have made several attempts to get this revolved but I have not recevided the corrective actions necessary to my accounts as of yet. I have the credit card statement attached and requesting an immediate update to my credit card balance for XXXX XXXX. Currently it is should I owe more then XXXX XXXX of the credit limit. The documentation provided will show a better reflection of the balance than the update from XX/XX/2022. 

I have the credit statement directly from XXXX sent from a representative to update my credit card balance for XXXX. 

Account XXXX : XXXX XXXX : Account balance not updated. 
Resolve : Update to XXXX credit card statement balance ( attached ) Please investigate this matter and contact the nationwide credit bureaus to have them update the disputed item as soon as possible.

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 2023-01-05 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: TX

Complaint narrative:
On XXXX of XX/XX/XXXX I wrote a dispute letter to your Consumer reporting company to uphold the FAIR CREDIT ACT Section Act 609 that requires them by federal law to verify through the physical verification of the original signed contract any and all accounts that post to your credit reports. The accounts that I requested to be deleted were not authorized by me and do not have my correct name. It has been over 30 days and the accounts have not been deleted. I have sent a " Demand to Comply '' letter on XX/XX/XXXX to delete the disputed items off of my Consumer Report because it has been over 30 days. The consumer reporting agency has not Complied and I demand by Federal Law that they should have complied to my demand. Please enforce this demand and protect my Consumer Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX of XX/XX/XXXX I wrote a dispute letter to your Consumer reporting company to uphold the FAIR CREDIT ACT Section Act 609 that requires them by federal law to verify through the physical verification of the original signed contract any and all accounts that post to your credit reports. The accounts that I requested to be deleted were not authorized by me and do not have my correct name. It has been over 30 days and the accounts have not been deleted. I have sent a " Demand to Comply '' letter on XX/XX/XXXX to delete the disputed items off of my Consumer Report because it has been over 30 days. The consumer reporting agency has not Complied and I demand by Federal Law that they should have complied to my demand. Please enforce this demand and protect my Consumer Rights.

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 2023-01-05 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: CA

Complaint narrative:
XXXX XXXX XXXX. 

1 ) Showing closed and still reporting on-time payments being made 2 ) Dates of first delinquency is incorrect- This should be 2015 3 ) This was reported as Fraud 7 years ago, I no longer have the report 4 ) This is in violation of Fair Reporting Act. -

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 2023-01-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX. 

1 ) Showing closed and still reporting on-time payments being made 2 ) Dates of first delinquency is incorrect- This should be 2015 3 ) This was reported as Fraud 7 years ago, I no longer have the report 4 ) This is in violation of Fair Reporting Act. -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX. 

1 ) Showing closed and still reporting on-time payments being made 2 ) Dates of first delinquency is incorrect- This should be 2015 3 ) This was reported as Fraud 7 years ago, I no longer have the report 4 ) This is in violation of Fair Reporting Act. -

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 2023-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The credit card company is stating I made a late payment and that is not the case. There were two months in 2018 when my payments were returned by them and I had made the payments with a new bank account. They said they didn't receive but the monies showed withdrawn from my checking account and were scheduled automatic payments.

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 2023-01-05 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: AZ

Complaint narrative:
The credit card company is stating I made a late payment and that is not the case. There were two months in 2018 when my payments were returned by them and I had made the payments with a new bank account. They said they didn't receive but the monies showed withdrawn from my checking account and were scheduled automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: AZ

Complaint narrative:
The credit card company is stating I made a late payment and that is not the case. There were two months in 2018 when my payments were returned by them and I had made the payments with a new bank account. They said they didn't receive but the monies showed withdrawn from my checking account and were scheduled automatic payments.

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 2023-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX In lieu of speaking with my Loan officer, he made me aware that one o accounts on my credit report was not updated. This has made my home purchasing situation more diffucult than it should be. I have made several attempts to get this revolved but I have not recevided the corrective actions necessary to my accounts as of yet. I have the credit card statement attached and requesting an immediate update to my credit card balance for XXXX bank. Currently it is should I owe more then 50 % of the credit limit. The documentation provided will show a better reflection of the balance than the update from XX/XX/2022. 

I have the credit statement directly from XXXX sent from a representative to update my credit card balance for XXXX. 

Account Name : XXXX XXXX : Account balance not updated. 
Resolve : Update to XXXX credit card statement balance ( attached ) Please investigate this matter and contact the nationwide credit bureaus to have them update the disputed item as soon as possible.

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 2023-01-05 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX In lieu of speaking with my Loan officer, he made me aware that one o accounts on my credit report was not updated. This has made my home purchasing situation more diffucult than it should be. I have made several attempts to get this revolved but I have not recevided the corrective actions necessary to my accounts as of yet. I have the credit card statement attached and requesting an immediate update to my credit card balance for XXXX bank. Currently it is should I owe more then 50 % of the credit limit. The documentation provided will show a better reflection of the balance than the update from XX/XX/2022. 

I have the credit statement directly from XXXX sent from a representative to update my credit card balance for XXXX. 

Account Name : XXXX XXXX : Account balance not updated. 
Resolve : Update to XXXX credit card statement balance ( attached ) Please investigate this matter and contact the nationwide credit bureaus to have them update the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
My credit report was checked without my permission at a XXXX dealership in XXXX, CA on XX/XX/2023 My uncle was planning to buy a car at the XXXX XXXX dealership in XXXX, CA and they put down my information as a close relative. I did not consent for them to use my credit report towards a financial plan a car my uncle was planning on buying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have an issue with Synchrony Credit Card account. The account # XXXX XXXX XXXX XXXX had fraudulent activity in XXXX of 2022 in the amount of {$5000.00}. When I called the Synchrony bank in XXXX of 2022 they let me know that the fraudulent activity has been confirmed and the account will be closed. A few months later I receive a bill from another account # XXXX XXXX XXXX XXXX. When I called again they told me that they sent me a check for the balance amount. However, I have never received the check and asked them to put stop payment on the check, which they did. I received another bill in XXXX and when I called they notified me that the check has been cashed. I have never received the check and when asked for proof, they informed me that there is nothing that they can do and no further information would be provided. I spoke with the agent XXXX # XXXX, and XXXX, which refused to provide her agent number. Bank refuses to cooperate or to help resolve the issue. My credit score has been seriously affected by this issue. Please advise.

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 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
THIS IS MY XXXX ATTEMPT TO RESOLVE THIS MATTER WITH EXPERIAN WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE EXPERIAN DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. This account below.. 

Account name XXXX, XXXX XXXX XXXXXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$11000.00} XXXX updated XX/XX/XXXX Is not valid this is my third attempt to EXPERIAN to remove, and yet they do not send any debt validations and update it as accurate after a few days as they are not doing the proper protocol under the FCRA regulations. XXXX and XXXX both investigated and found these accounts to not be valid and they were removed. Experian continues to not do there de diligence.

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 2023-01-05 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: LEXISNEXIS
State: SC

Complaint narrative:
I have a Bankruptcy report on my credit report. I've called XXXX and they said that LEXISNEXIS gave them the report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation