vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: Global Lending Services LLC
State: CT

Complaint narrative:
ON XX/XX/2021 THERE WAS AN INQUIRY ON MY REPORT I DID NOT RECOGNIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: MN

Complaint narrative:
had damaged card. ordered new card over phone. no direct assistant attendant available to speak with. happens to me quite often.. especially during an emergency situation. i, order new replacement debit card and recording identifies my address by asking if my XXXX XXXX XXXX is XXXX if i pay {$13.00}, i can receive my new card in 2 days. i agree, and never receive my card. payments need to be paid or late charges accure. card never shows up, because not allowed to express delivery card to any po box . i learned this after nearly two weeks waiting for my card and having nearly no answer by direct express .com banking system to respond 24/7 days a week. no, fuel for transpo to court hearings, many important payments and im expected to always eat the charges? well now i have a new card, worked for a week. and now card is frozen for any further activity.. it cost me {$13.00} for a week of activity.. and i call day and night all hours and no answer, but once and been told my account is with fraud department. so they transfer me and no answer, while waiting for an hour.. no, call back, and still no answer..can you contact them and release the freeze on my card, so i can be able to use it and most likely move to anther bank. card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. thank you most appreciated. and if possible, i would like both card payments returned along with {$500.00} dollars in fees of late charges and punitive damages. thank you once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or a similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is in 15 USC 1602 ( 2 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice Congress said any card. The credit card is my social security card. They should all be removed from my report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

I declare that this is a true and factual statement pursuant 28 USC1746.

Sworn : XXXX XXXX Signed : XXXX XXXX SS 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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
My name is XXXX XXXX. XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This just proves that XXXX, XXXX and XXXX Credit Bureaus are lack proper record keeping. Now, this account is reporting to be mine, yet it is not familiar to me and pulling my scores down. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was not mine. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
My name is XXXX XXXX. XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This just proves that XXXX, XXXX and XXXX Credit Bureaus are lack proper record keeping. Now, this account is reporting to be mine, yet it is not familiar to me and pulling my scores down. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was not mine. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.

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 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime closed my back account XX/XX/2021. I reached out to them asking for my remaining balance to be sent by check several times. I was not able to talk to anyone regarding this matter. I have been trying to figure out what to do. I'm hoping someone can help me get my funds or lead me in the right direction on how to move forward. I just want them to send my remaining balance that was left in mt account. I am aware that they can close my account due to their rules, process or procedures but I will not allow them to take my money from me. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: MD

Complaint narrative:
These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the aguish and pain it has caused me in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX and XXXX have a XXXX XXXX account for XXXX not mine a XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX inquires on my reports that are not mine please remove from credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 at XXXX XXXX  I deposited {$6200.00} into a Bank of America ATM at XXXX at XXXX XXXX XXXX California, The ATM machine gave me an error and told me to write in the amount of money I deposited and then it printed a slip with {$300.00} deposited into my account and saying that it apologize for the inconvenience and create an issue required that will be attached to your transaction. I have talk to the electronic claim associate but they have not solve my issue

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 2021-10-06 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: TX

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 XXXX  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 2021-10-06 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: Netspend Corporation
State: AL

Complaint narrative:
I purchased a XXXX pre paid card to pay some bills. I then tired to get the account closed and refunded for the money on the account. They missed the address up on the account and sent the check to the worse address after I gave them the correct address multiple times. They then stated that I would have to wait 7 days to void the check that they messed up and wait any additional 14 days after I had previously waited 14 days to receive a check. I havent received and communication or emails from them. I was put on hold for over a hour. They also stated that they could not expedite me my money.

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 2021-10-06 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: STERLING JEWELERS, INC.
State: IN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Placement Services, LLC
State: IN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: TX

Complaint narrative:
XX/XX/XXXX ( XXXX XXXX  ) Experian sent report that dispute has been solved. I disagree because of the missing and incorrect information in the Experian Report dated XX/XX/XXXX used to solve the dispute. 
On XX/XX/XXXX report XXXX, XXXX, and XXXX are missing. 

XX/XX/XXXX was the first date of delinquency ( 30 days late according to Experian Report dated XX/XX/XXXX. 
XXXX XXXX ( late 30 days XXXX XXXX ( late 60 days ), XXXX XXXX 60 days and XX/XX/XXXX late 120 days Report dated XXXX is incorrect. 

XXXX XXXX Should have been removed XX/XX/XXXX The first date of delinquency ws XX/XX/XXXX. XXXX XXXX and XXXX account was late 30, 60, and 60 days. 


I am requesting that the ccounts be removed from my report because of account age

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 2021-10-06 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: DC

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the aguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello! I sent out mails and letters to the credit bureaus about some inaccurate data on my credit report. It's been over 60 days and I never received a response from them. Section 611 ( a ), stated that 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 already. This situation has caused me a lot of XXXX  and I wish to have it resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a request for reinvestigation due to inaccurate information reporting on my credit report. I want to bring attention to the follow law which is 15 U.S Code 1681e Compliance procedures ( b ) accuracy of report. The law states the bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information reporting. They have failed to do that and my rights have been violated. The laws also state there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I even demanded that they provide me with the methods use to verify such information and have not received any response as required under 15 U.S. Code 1681 ( b ) Reasonable Procedures. I have not received any correspondence of any investigation being initiated on my behalf which is again a violation of my consumer rights. The law states that any and all unverifiable information is immediately deleted and blocked from my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
After I told this debt collector that I would pay even though I dont have memory of this account they still decided to harass me. They would also call my grandma and uncles asking for me last year XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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:
To whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or a similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is in 15 USC 1602 ( 2 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice Congress said any card. The credit card is my social security card. They should all be removed from my report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I declare that this is a true and factual statement pursuant 28 USC1746. Sworn :
XX/XX/2021 Signed : XXXX XXXX SS # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
i sent dispute letters to equifax on XX/XX/2021 and the 30 day mark for them to reply was XX/XX/XXXX. it is XXXX the XXXX 2021 and they still have yet to reply to my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
After I told this debt collector that I would pay even though I dont have memory of this account they still decided to harass me. They would also call my grandma and uncles asking for me last year Im XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX has seized my account for ppp loan. I sent in all docum Showing business owner. They stated not accepted. Please note this loan is 4months old. And has already been repaid. I sent documents showing forgiveness and amount sent to lender.. how can I qualify for loan and FORGIVENESS and XXXX  XXXX seize my account and label me fraud with the same XXXX receipts and tax forms. Im feelin attacked. They have closed my crdit accounts with them as well. Causing a negative credit rating. For a loan I no longer owe and definitely qualified for. They stated my funds in my personal account are being sent to lender but why would they do that if I have provided PROOF I have no debt with Sba! Its been forgiven. I have included the letter with seal and proof of no debt. Loan no longer owed!

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