vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
A lady named XXXX XXXX called and said I had a case against me and told me that they would take me to court even gave me a case number at the end of the call, told me they were going to call my job and talk to my supervisor about my inability to pay, called my parents and told them about my finical irresponsibility and " wished me good luck '' because someone would come and find me soon. Feel really threatened, like I feel like not only am I a criminal, but made me feel like someone was going to come beat me up and ruin my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CA

Complaint narrative:
I sent a letter to all three credit bureaus asking them to verify the accuracy of an account that is reporting on my credit report. I sent that letter on XX/XX/2020 and have not heard anything back. I am sending them another letter addressing the fact that they havent gotten this investigation completed in a timely manner which I believe is 30 days. 

What is reporting on my credit report is actually hindering my ability to be approved for a place to live and thus it is really crucial that this situation is resolved.

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 2020-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I had a promotional plan for 12 months no interest, i requested for the Pandemic 3 no payments months i had a {$20.00} dollars balance and now they're charging me {$120.00} Interest for a {$20.00} dollars balance!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I've submitted certified letters and documentations to the XXXX XXXX XXXX and the 3 major credit bureaus. I paid the 2 accounts and was told they would delete. Theses 2 accounts were charged off XX/XX/2018 and the creditor is reporting that I have 27 charge offs on my account. I was told by XXXX XXXX XXXX that I needed to send a letter to them to ask them to " delete my Consumer dispute '' and they would be able to fix. I sent letters and have not received a response. I've disputed them. XXXX and XXXX  show Paid and 27 charge offs, Transunion show no payment history. I've received numerous letters from XXXX XXXX XXXX stating they don't know what I am disputing. This is very conflicting with what answers I get. I am following everything the bureaus are asking as well as 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 2020-11-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I've submitted certified letters and documentations to the XXXX XXXX XXXX and the 3 major credit bureaus. I paid the 2 accounts and was told they would delete. Theses 2 accounts were charged off XX/XX/2018 and the creditor is reporting that I have 27 charge offs on my account. I was told by XXXX XXXX XXXX that I needed to send a letter to them to ask them to " delete my Consumer dispute '' and they would be able to fix. I sent letters and have not received a response. I've disputed them. Equifax and XXXX show Paid and 27 charge offs, XXXX show no payment history. I've received numerous letters from XXXX XXXX XXXX stating they don't know what I am disputing. This is very conflicting with what answers I get. I am following everything the bureaus are asking as well as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I've submitted certified letters and documentations to the XXXX XXXX XXXX and the 3 major credit bureaus. I paid the 2 accounts and was told they would delete. Theses 2 accounts were charged off XX/XX/2018 and the creditor is reporting that I have 27 charge offs on my account. I was told by XXXX XXXX XXXX that I needed to send a letter to them to ask them to " delete my Consumer dispute '' and they would be able to fix. I sent letters and have not received a response. I've disputed them. XXXX and Experian show Paid and 27 charge offs, XXXX show no payment history. I've received numerous letters from XXXX XXXX XXXX stating they don't know what I am disputing. This is very conflicting with what answers I get. I am following everything the bureaus are asking as well as 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 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I filed a dispute of charges on my bank account. My debit card was fraudulently used to charge {$30.00} for parking on XX/XX/XXXX, {$30.00} for parking on XX/XX/XXXX and for XXXX XXXX XX/XX/XXXX for {$71.00}. Total charges of {$130.00} on my bank account. Chase Bank initially refunded all three charges but then mailed me a letter saying they would not support my dispute. I have contacted Chase Bank three times to discuss the refund I should be given but Chase says there is nothing they can do.. Chase says that because I had a separate dispute in XX/XX/XXXX, that they did support and refund, and at that time they sent me a new debit card which had a new expiration date but not a new number, that their policy is any diputes within 60 days of the first initial dispute will be considered. Although the XXXX diaputes are unrelated to the XXXX dispute, and Chase sent me same card number being their error AND NOT MY REQUEST, they will not refund my money. Being a young college student with my first account on my own, I am trying to manage my account as best I can. The amount of money they will not give back to me takes two weeks of work for me to earn. Chase made the error to not send me a totally new card and I did not know that a new expiration date was not enough to protect me from fraud. It is Chase Bank 's job to protect me from fraud. I talked to customer service agent " XXXX '' on XX/XX/XXXX and her supervisor " XXXX '' who said they are unable to refund and it is past 60 days. These 3 claims were filed within a few days of occurrence, but more than 60 days from separate XX/XX/XXXX dispute. They made the error with the card they sent me, not me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03 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: TN

Complaint narrative:
Additional items need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: NC

Complaint narrative:
I HAVE INFORM AND PUT ON NOTICE THAT THESE ARE NOT MY ACCOUNTS THEY HAVE YET TO REMOVE THEM FROM MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CA

Complaint narrative:
I sent a letter to all three credit bureaus asking them to verify the accuracy of an account that is reporting on my credit report. I sent that letter on XX/XX/2020 and have not heard anything back. I am sending them another letter addressing the fact that they havent gotten this investigation completed in a timely manner which I believe is 30 days. 

What is reporting on my credit report is actually hindering my ability to be approved for a place to live and thus it is really crucial that this situation is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CA

Complaint narrative:
I sent a letter to all three credit bureaus asking them to verify the accuracy of an account that is reporting on my credit report. I sent that letter on XX/XX/2020 and have not heard anything back. I am sending them another letter addressing the fact that they havent gotten this investigation completed in a timely manner which I believe is 30 days. 

What is reporting on my credit report is actually hindering my ability to be approved for a place to live and thus it is really crucial that this situation is resolved.

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 2020-11-03 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: VA

Complaint narrative:
Back in XXXX I sent a dispute to the major credit bureaus for XXXX XXXX XXXX  XXXX I do not owe these people a single XXXX they're trying to collect on a debt that I paid my entire 3 year contract. I sent a debt validation letter to the collection company and never received a response. 

I also made the credit bureaus aware of this mistake and did not receive a response. I realized in XXXX that more than 2 months had went by so I sent the credit bureaus a 30-day no response letter XX/XX/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 2020-11-03 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: Navient Solutions, LLC.
State: CT

Complaint narrative:
Paid off my loan with Navient on XX/XX/XXXX. They are reporting my student loan as open with a {$250.00} balance. A recent XXXX  denial letter shows they reported my account as delinquent after it was completely paid off. They are also inaccurately reporting that my old student loans first defaulted in XXXX. Those loans first defaulted in XXXX and thus should have aged off my report. I have uploaded all supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management -- XXXX XXXX XXXX XXXX, XXXX TX XXXX Collection Agency. Reported to Credit Score co for {$1700.00} with original creditor XXXX XXXX. 

Spoke with collection agency over phone when they called. Explained that they had the WRONG PERSON! That I did not even live at the place where the bill was charged. 

But they still reported to 2 of the 3 credit score companies causing over XXXX pointsDROP in my XXXX  score. Just as I am about to make purchase a housing causing me to stop! 

I don't know what else I could have done. IT IS OUTRIGHT ABUSE of this collection agency. They reported me only because I have similar name and was coming after me for collection. t seem VERY ILLEGAL for them to do that and RUIN MY CREDIT SCORE which was above XXXX points for YEARS! NOW it came down to XXXX 's. Please INVESTIGATE! My name is XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 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: NM

Complaint narrative:
I am disputing inquiries on my credit report from Equifax and XXXX. My list can go on with dates and CSR I've spoken with. For the past 6+ months I've done everything these 2 credit bureaus have asked. I was told I needed to contact the companies that " pulled these inquires '' I did, I was told with all the inquires that my information wasn't on file. I would call Equifax and XXXX  and then was prompted to place a " fraud alert '' on my account. Equifax did and XXXX  failed to until I called for the 100th time. I was then told I needed to file a " police report. '' I went to the local Police department and was turned away. I then called Equifax and XXXX and was told that their was nothing the could do. Basically, I needed to leave them and let them fall off. I had NO ISSUES with XXXX  at all they placed the fraud alert and helped me dispute the inquires right away. I had 33 and was able to dispute all but 5. I then called again. I was told by a rep with XXXX  to file a complaint through CFPB. I have many on both reports that are affecting my credit score. This is very exhausting and I feel I have no other choice but to file this complaint. Every time I speak to someone, we have such a language barrier and ask to be transferred to a US rep. I'm told that the US office is closed. I'm very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: NC

Complaint narrative:
I HAVE INFORM AND PUT ON NOTICE THAT THESE ARE NOT MY ACCOUNTS THEY HAVE YET TO REMOVE THEM FROM 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 2020-11-03 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: NC

Complaint narrative:
I HAVE INFORM AND PUT ON NOTICE THAT THESE ARE NOT MY ACCOUNTS THEY HAVE YET TO REMOVE THEM FROM 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 2020-11-03 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: TN

Complaint narrative:
There are two of student loans on my credit file that I have been disputing since XXXXThe loans are being reported inaccurately with late payments..XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX.I was never late the accounts were in active Forbearance.I provided proof from the data furnisher.The accounts were not corrected to Paid As Agreed.The CRA has answered my disputes as Verified as Accurate which is impossible if a reasonable investigation had been carried out.It is a violation of the law to continue to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: TN

Complaint narrative:
There are two of student loans on my credit file that I have been disputing since XX/XX/XXXX.The loans are being reported inaccurately with late payments..XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX.I was never late the accounts were in active Forbearance.I provided proof from the data furnisher.The accounts were not corrected to Paid As Agreed.The CRA has answered my disputes as Verified as Accurate which is impossible if a reasonable investigation had been carried out.It is a violation of the law to continue to report inaccurate 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 2020-11-03 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: MS

Complaint narrative:
MY INFORMATION WAS STOLEN AND ACCOUNTS OPENED IN MY NAME I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO REMOVE THEM

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 2020-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optima Recovery Services LLC.
State: GA

Complaint narrative:
I paid this debt in full three and a half years ago and its still reporting on my credit report. It's hindering me from getting credit. This issue was resolve and had to be resolved before I can get another apartment.

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 2020-11-03 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: MS

Complaint narrative:
MY INFORMATION WAS STOLEN AND ACCOUNTS OPENED IN MY NAME I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO REMOVE THEM

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 2020-11-03 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: MS

Complaint narrative:
MY INFORMATION WAS STOLEN AND ACCOUNTS OPENED IN MY NAME I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO REMOVE THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XX/XX/2020 shows a credit inquiry that was not made by me or with my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
was looking over my credit report and I noticed that 30 and 60 day late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were 2- 2020, 3- 2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations

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 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have had this account for years. I recently tried to use card and it failed. I called on and read they put a " hold '' onto my card/account. I did nothing wrong and card should had never been " held ''. I am requesting my card to be active again ASAP as I need access to MY funds in the account. I am XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX IL card # XXXX

Company response to consumer: Closed with explanation