vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To whom it may concern, I was notified on XX/XX/XXXX of 2020 from Experian that a creditor by the name of " XXXX XXXX '' had been verified as inaccurate after investigating and would be deleted off of my credit file. However I have recently logged in on XX/XX/XXXX of 2020 after my new Experian credit report was released and I am still seeing this creditor on my credit file which means Experian has not kept their word and again are not handling their business properly under the FCRA. Experian has already done their investigation and now I'm still being hindered and punished by Experian and their bad business practices. Under the FCRA law anything unverifiable or inaccurate must be removed within 30 days of the dispute by consumer. It has now almost been a month since I've been notified that XXXX XXXX was being deleted off my credit file and nothing has been done. I hereby make Experian aware that by FCRA law they now have 15 days from the date of this letter to uphold the statement and promise they made to remove " XXXX XXXX '' from my credit file! This is unacceptable and again against FCRA rules and regulations. I expect the removal of this creditor within 15 days. I have also attached the notification from the Experian website in regards to the removal. Thank you.

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 2020-02-08 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: IL

Complaint narrative:
hello, experian & XXXX is refusing to re investigate an inaccurate item on my credit file.i have asked for the contract from the original creditor, they are unable to provide me this information.

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 2020-02-08 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: OH

Complaint narrative:
I previously tried to settle this matter with experian about unauthorized inquiries on my consumer report i sent them a letter explaining the problem trying to get experian to resolve the issue but they never did. On XX/XX/2020 i sent out another letter certified about the unauthorized inquiries on my consumer report and i still have not got a response. I requested there method of verification about these inquires and i never received anything from experian i will send a copy of the certified letter that i sent to experian on XX/XX/2020.

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 2020-02-08 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
To whom it may concern, On XX/XX/XXXX of 2020 I reached out to Comenity Bank in regards to an inquiry on my XXXX, XXXX and XXXX  reports. First I do not know and never have done business with Comenity Bank. Secondly I never gave this Business any authorization to run my credit. Thirdly upon calling Comentity Bank  and speaking to a Representative who was absolutely no help it was mentioned in the phone call from the Comenity Bank customer service representative that they had no information nor file they could look up to find of me. Not surprising due to the fact I'VE NEVER EVEN HEARD OF THIS BANK PRIOR. I kindly asked the representative if they could send a letter informing the credit bureaus that the inquiry was obviously incorrect and to have it removed. The Representative replied ... " we are not able to formulate a letter stating or requesting a removal ''. So you mean to tell me a company can illegally authorize without consumer consent or signature an inquiry but can't remove it?!?! Least to say I am furious and want this inaccurate and unauthorized hard inquiry removed from my credit within 30 days under FCRA law. Please note that this company has already sent a letter stating they did not have me nor could find me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
hello, XXXX  & equifax is refusing to re investigate an inaccurate item on my credit file.i have asked for the contract from the original creditor, they are unable to provide me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
The complaint Dept Consumer Financial Protection Bureau My complaint is regarding two companies known as Skytrail Cash and XXXX XXXX, their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX of 2019. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX  credit file. This is not my account and i want it removed from my XXXX  files permanently. 


Account Info Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$870.00} {$600.00} Payment Info Original loan amount {$600.00} Balance {$870.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MOXXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: MI

Complaint narrative:
I contacted SOFI for a personal loan. Personally, I have " excellent '' level credit as defined by the Credit Bureaus. I intended to use the loan for home improvement and personal expenses. I have a XXXX  degree and a history of ZERO missed payments on anything during my lifetime. 
I was pre-approved by SOFI and sent an email to that effect. 

During a call with an incredibly off-putting customer service agent, she ostensibly became confused and marked my intended use of the loan during the application process as " business purposes '' which was entirely and absolutely false. My application, due to this incorrect mark, was summarily denied despite all other factors meeting or exceeding SOFIs requirements. I called customer service and explained after the first denial that the loan was indeed SOLELY for PERSONAL purposes. I spoke to a " XXXX '' who encouraged me to immediately re-apply. I did so. Again, I was denied as a result of that incorrect note by the confused service agent of before. I spoke to a service manager again today who essentially explained that since she made that mark there was nothing they could do. This institution left a hard inquiry on my otherwise IMMACULATE credit report which now is useless because the loan was denied due to the poor service and mistakes of one agent. I strongly dissuade anyone considering a loan through SOFI as my experience was one consisting of confusion on their end, poor service, lack of due diligence on behalf of SOFI management, and borderline illegitimate business practices. 

I have as a result resorted to reporting SOFI to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: NC

Complaint narrative:
In the month of XX/XX/2019, I discovered a inaccurate collection being reported to all three of my credit reports. On XX/XX/2019 XXXX  had fixed and corrected the problem with their investigation. XXXX  and Equifax had failed to fix or correct the problem. Ive sent both credit companies documents and requested numerous of investigations since then. XXXX has been very hard to get a hold of to submit documentation and requests for investigations. Most of the time, Ive had to use their sister organizations with XXXX XXXX and XXXX XXXX just to request an investigation. Both their partners dont accept documentation. Equifax is available to submit investigations and documentation but they fail to look into the relevant information. They are both reporting XXXX/XXXX  collection in the amount of XXXX dollars. XXXX had sent a letter stating that no collection exists in my name. Ive sent this information to both credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My Wife used the American Express Platinum concierge to help book tickets with the XXXX  to use our Airline status for upgrades, we were assured the itinerary was applicable to those benefits, we then booked, the tickets issued were not applicable and then AMEX refused to cancel the itinerary the way in which it was booked, the customer service teams passed me back and forth for more than 6 hours over 2 days and 15+ different people including supervisors. I was then offered XXXX points by an associate as compensation, then they reneged on that the following day. 

The points values are misleading, they have bait and switched us on travel and associated benefits, and they have lied on recorded calls promising compensation and follow up. Their website changes prices and manipulates data to make it more appealing with limited explanation. 

Please investigate the Customer Service, Points Benefits Programs, Travel Price Manipulation and Refund Policies of AMEX Platinum Travel and their affiliates. 

This all happened XX/XX/2020 - XX/XX/2020 and is still ongoing. I have yet to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I thought very highly of Chase Bank, my mortgage lender, until they were over 30 days late paying my homeowners insurance from my escrow, resulting in my policy being cancelled. After speaking with my insurance agent, I was informed that I may be penalized with a higher insurance rate when purchasing a new policy. I spoke with a customer service representative with Chase Bank this morning, and when I told him they provided a late payment he reiterated it was paid on XX/XX/XXXX ( the payment was due XX/XX/XXXX ). He said I will need to follow up with my insurance provider to see why they cancelled my policy. This is not my responsibility. Per the attached letter, it was due to non-payment. Chase is responsible for paying the premium out of my escrow. They dropped the ball, and now I am left without insurance. 

I also tried to reach out to Chase via social media and aside from a generic we understand your concern message in return, they have stopped responding. 

Note : I got married after I purchased my home. My name on my Chase account is XXXX XXXX, my maiden name ( I dont use Chase Bank for any other purpose than to pay my mortgage so I havent gone to the trouble of changing it on my account ) and my name on my insurance policy is under my married name, XXXX XXXX. Please also see the attached marriage certificate for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
The complaint Dept Consumer Financial Protection Bureau My complaint is regarding two companies known as PENN CREDIT CORPORATION AND XXXX XXXX XXXX their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX  credit file. This is not my account and i want it removed from my XXXX  files permanently. 


PENN CREDIT CORPORATIO Original creditor : XXXX XXXX XXXX {$550.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$550.00} {$550.00} Payment Info Original loan amount {$550.00} Balance {$550.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have two collections on my XXXX Credit report from XX/XX/2014, they are from a company called CMRE however it says they are originally from the city of XXXX  XXXX. They showing a balance of {$2000.00} with an original loan amount of {$1300.00}. and another with a balance of {$410.00} I have tried to contact CMRE multiple times and I have not recieved any mail, returned calls, or anyone willing to help verify that this is my debt, I have sent them written requests and I have disputed through XXXX, and XXXX says I have to write another letter. These collections are holding me back from starting my new family and incesting in my future and I would like to file a complaint becasue I feel that by not responding to me and clarifying my debt that they are out of compliance. 

I am 100 % confident this is either a mistake or some sort of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I had a Best Buy Credit Card through CITI Bank there were fraud charges made on my credit card, I submitted a police report regarding fraud charges. CITI Bank choose to ignore my police report and back charge my credit card. Since this happened my credit card was closed by them and maxed out and over the credit limit because instead of removing the charges they re-added charges to my account. I have been in contacted and went through the fraud process with the credit card and they have ignored my claim. Under CITI Privacy Notice it states that there consumer are not responsible for fraudulent charges, which this company lied and doesn't stand by their statement.

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 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I cant get a hold of Equifax dispute department after I already had talked to them to open dispute on an account with no Original creditor information and that is reporting a fake phone number so I cant fix the problem if I cant get in touch with creditor and or Equifax. the only name they have reporting is XXXX XXXX. They have also violated the FCRA by not marking account as in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Countless Disputes With All 3 Bureaus to repeatedly report inaccuracies not to mention a breach of contract with Equifax where my report as well as personal data was compromised. Creditors and Bureaus are not reporting timely payments and paid accounts. However, late payments, charge offs and collections are reported and updated almost immediately. Not a fair or legal practice in which all credit bureaus proclaim and assure. Also, points that are deducted first for late payments or charge offs are never replaced with paid accounts or closed and agreed accounts. How is this considered fair credit reporting especially in a world full of fraud and scams. Equifax is one the leading major credit reporting agencies whom are now under investigation for data breaches but yet and still are deemed reliable to report important data on millions of consumer 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contact XXXX  in regards to a 30 days late in XX/XX/XXXX being reported after I was granted an extension due to natural disaster here in Fl ( hurricane ), I also informed them of my diagnosis of XXXX and have always called and paid on my loan. I recently spoke with an XXXX  agent on XX/XX/XXXX as I had just gotten out of the hospital, and my XXXXyo son attempted to take care of some Bill 's for me but was not aware o didnt use the checking info on file with XXXX  so that payment did not go thru. I usually pay them with my card due to them pulling payments days early when not authorized. I explained that to her and informed her I will be making that XX/XX/XXXX payment soon she advise that I make it by XX/XX/XXXX to avoid a neg reporting on my credit report. Then today XX/XX/XXXX I get an alert from XXXX  stating my account was reported as 30days late, when I attempted to dispute ( per XXXX  advise ) it tells me I cant dispute because I have already disputed the in accurate info from XX/XX/XXXX that was never updated/ changed as well. I would like my report to reflect accurate information as it drops my score when they do this and there is no accountability just the run around. Also I have paid over {$10000.00} on my loan since XX/XX/XXXX and my report only reflects {$2000.00} has been paid over the course of 3 years.

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 2020-02-09 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: FL

Complaint narrative:
I have contact XXXX  in regards to a 30 days late in XX/XX/XXXX being reported after I was granted an extension due to natural disaster here in Fl ( hurricane ), I also informed them of my diagnosis of XXXX and have always called and paid on my loan. I recently spoke with an XXXX  agent on XX/XX/XXXX as I had just gotten out of the hospital, and my XXXXyo son attempted to take care of some Bill 's for me but was not aware o didnt use the checking info on file with XXXX  so that payment did not go thru. I usually pay them with my card due to them pulling payments days early when not authorized. I explained that to her and informed her I will be making that XX/XX/XXXX payment soon she advise that I make it by XX/XX/XXXX to avoid a neg reporting on my credit report. Then today XX/XX/XXXX I get an alert from XXXX  stating my account was reported as 30days late, when I attempted to dispute ( per XXXX  advise ) it tells me I cant dispute because I have already disputed the in accurate info from XX/XX/XXXX that was never updated/ changed as well. I would like my report to reflect accurate information as it drops my score when they do this and there is no accountability just the run around. Also I have paid over {$10000.00} on my loan since XX/XX/XXXX and my report only reflects {$2000.00} has been paid over the course of 3 years.

Company response to consumer: Closed with explanation