vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-30 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THIS SITUATION IS BEYOND MY CONTROL AND I AM TRYING THE BEST WAY THAT I CAN TO GET IT RESOLVED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

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 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
XXXX  allows Weekly access to Credit Reports due to Covid-19 equifax has made obtaining credit report online impossible ; with security questions that I have no idea the answer to, as not relevant to my credit .... 
I sent a packet USPS with a Tracking # on it, which equifax received in early XXXX, and equifax has failed to update the report sent to me in the mail accordingly. I have an old dispute login for equifax that has a memorized password, but equifax doesnt have updates

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Trying to connect my PNC account to XXXX  and it will not let me, I have had a XXXX  account for almost 2 years and never had an issue in the past with it connecting but now i do. I would like to keep using this app to save money and would like for PNC to allow it to connect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

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 2020-05-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

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 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Hello. On XX/XX/XXXX, I discovered a {$12.00} service fee. This was because I didn't meet the criteria for " free checking '' which were to make a direct deposit once a month or have {$1500.00} in the account every day or have {$5000.00}. I wrote to them because I felt that is predatory to do this when 40 million of us are unemployed and can't reach those requirements. They did a one time reversal on the fee, but they will charge me from now on. This is absolutely sick to do to millions of Chase customers. Doing this during a pandemic is sick.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to contact all three bureaus several times the addresses reporting on my credit profile are invalid I was part of the recent security breech involving XXXX  and filed a FTC report was filed yet they are still reporting false addresses I never heard of on my credit profile.

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 2020-05-30 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: TX

Complaint narrative:
I have tried to contact all three bureaus several times the addresses reporting on my credit profile are invalid I was part of the recent security breech involving Equifax and filed a FTC report was filed yet they are still reporting false addresses I never heard of on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: MO

Complaint narrative:
The bank charged me for three amounts Im trying to put money into the account and it wont let me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: PA

Complaint narrative:
Ive disputed these accounts with the credit bureau and asked for them to remove these items on my credit report. Not only do I not have any recollection of these items per the FCRA they have yet to be verified to be my accounts and are currently MAJOR REPORTING VIOLATIONS on my credit report. These issues are hurting my credit in a major way and I simply want them to be removed.

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 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Last year in the year of XXXX in XXXX I noticed that my credit card was not being reported. Capital one verified that it wasnt being reported and I spoke with someone from XXXX XXXX who then went and removed the credit card off my credit report all together. Im making on time payments and it is not being reported because its not on my credit anymore. I have two credit cards with the company. It would be the account opened in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX of 2019 I was going through financial hardship, and I couldn't afford the minimum payment. I was fairly new to credit, I thought I would pay a late fee and maybe get hit 50 points. My credit score took a huge hit from that missed payment, and I have been making on time payments trying to repair the damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: KY

Complaint narrative:
THIS IS NOT A REPORT OF IDENTITY THEFT Experian has ignored ALL previous attempts citing that the use of Law verbatim, formatting, and font implies that my dispute communication is from some other party than myself. This is very frustrating, I am attempting to purchase a home. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than XXXX years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX  XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX Creditor : XXXX  - Account : XXXX Creditor : XXXX XXXX  XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX XXXX  - Account : XXXX Creditor : XXXX  - Account : XXXX Creditor : XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX. XXXX, XXXX - Account : XXXX Creditor : XXXX XXXX - Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Earlier this year, XXXX XXXX, my auto insurance at the time, took a payment of {$370.00} from my CapitalOne account that I did not authorize. I disputed this charge and used an alternative method to make this payment when I was able to. On XX/XX/XXXX CapitalOne reversed the credit to my account, and ended the dispute in favor of XXXX XXXX. Their reasoning was that I wasnt able to provide them with a statement proving I made the payment to XXXX XXXX with another method. I told them its none of their business, and that the only thing that concerned them was that I didnt authorize the charge. I spoke to the CapitalOne team multiple times always to no avail. I stated i would escalate to the Consumer Finance Protection Bureau if the dispute wasnt corrected in my favor. This month, I received a debt collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Tried reaching credit bureau to correct incorrect reporting of erroneous addresses on my credit profile but they are still reporting incorrect information. My information was leaked as part of a security breech.

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 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I just found out pnc has stopped users from linking directly to robinhood, no warnings or notices anywhere, Im apparently now not " allowed '' to invest my money into stocks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
I contact you about the derogatory mark that is appear to my credit report, I tried to contact many time no one can answer the phone so they can give me the reason wry it appear to my credit report. Therefore, I contact CFPB so you guys can help me solve that issue. Here is the number that I contacted them XXXX there are unprofessional. and please I want this matter solve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: TX

Complaint narrative:
I received statement of account ending in XXXX from Discover on XX/XX/XXXX. I never applied for nor received any account from Discover since I paid in full and closed my account. I put security freeze on my account with all the major financial institution to make it impossible for any company from opening any account on my name. I do not apply for any account from from Discover. Discover is sending me statement of account I did not open from them. I want Discover to stop sending any statement to me and if Discover opened any unauthorized account on my name, it should please close such an account. I do not have any account with Discover as such it should remove my name from the list of its customers. 
I do no want further contact by the Discover credit card. 
Discover should not open or operate any account on my name. I had earlier reported my complaint with XXXX XXXX XXXX  ; I only received acknowledgement. I do not want to wait for Discover to contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I booked a newly opened guest suite at XXXX de XXXX at standard rate on XXXX. No mention whatsoever that rate was non-refundable. See XXXX email reservation confirmation as well as XXXX email description of suite attached. 
I inquired on XXXX re : XXXX  cancellation policy in light of COVID19 pandemic. Response from XXXX that suite was non-refundable. 
I cancelled XXXX reservation on XXXX. 
Filed dispute with Citi-Mastercard on XXXX. Case XXXX. 
Received response from Citi denying claim on XXXX with response from XXXX indicating that a refund would be issued if COVID19 state of emergency and travel bans extended through our planned travel date of XXXX I submitted an appeal of Citi denial of claim on XXXX providing documentation Citi requested including confirmation of my cancellation of booking and XXXX statement to refund. 
I received an electronic letter dated XXXX from Citi stating ( incorrectly ) that I had not provided required documentation. 
I submitted another appeal to Citi on XXXX correctly stating that I had provided the required documentation. 
On XXXX, Citi sent me an electronic letter stating that they may be able to assist me if the merchant agreed to credit my account. I provided the documentation again which XXXX had submitted to Citi that a refund would be issued if travel bans were still in effect. 
On XXXX I again submitted documentation with specific citations and quotations from XXXX  re ; a refund. 
On XXXX Citi sent me an electronic letter stating that they are unable to require the merchant to issue credit. 

I have made every effort to be responsive to Citi 's requests of me in an attempt to correct the record that the hotel did not disclose that the booking was non-refundable and that the hotel in its own response to Citi stated that it would refund me in the event that the COVID19 state of emergency continued to cover our planned booking date at the end of XXXX. From the attached correspondence, I believe that Citi overlooked the documentation I provided on numerous occasions. In summary, a fair non-partial review of the materials would warrant a refund of my booking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-30 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: GA

Complaint narrative:
I took a look at my credit report I saw a few fraudulent accounts on my report. I have been trying to remove them but I was unable to remove them. Please help me remove the accounts.

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 2020-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
This account has been closed for over three years. It has per my credit report been charged off 32 times. It now shows open as of XXXX. The representative stated that a manager stated XXXX  would take care of this balance but is still saying it is owed. I have never been contacted from any other representative or third party. I also did not give authorization to send my information to 32 organizations/third party. This account has been closed and shown closed for over three years and as of XX/XX/2020 this company reopened my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I got a notice from my loan services stating that I had been entered into an in school l deferment program till year XXXX  in which Im currently not in school also with added interest which that mean the correct balance is not showing on credit report nor proper status of loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I took a look at my credit report I saw a few fraudulent accounts on my report. I have been trying to remove them but I was unable to remove them. Please help me remove the accounts.

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 2020-05-30 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: GA

Complaint narrative:
I took a look at my credit report I saw a few fraudulent accounts on my report. I have been trying to remove them but I was unable to remove them. Please help me remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: GA

Complaint narrative:
I got a notice from my loan services stating that I had been entered into an in school l deferment program till year XXXX  in which Im currently not in school also with added interest which that mean the correct balance is not showing on credit report nor proper status of loan

Company response to consumer: Closed with explanation