vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 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: CA

Complaint narrative:
US DEPT VETS XXXX Balance Owed : {$0.00} - This account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history is inaccurate. These are all violation please delete. 

XXXX XXXX XXXX Balance Owed : {$100.00} - You are reporting an incorrect Date of last activity, an incorrect open date ; it has been changed, and an incorrect balance. These are ALL violation please Delete. 

XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
US DEPT VETS XXXX Balance Owed : {$0.00} - This account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history is inaccurate. These are all violation please delete. 

XXXX XXXX XXXX Balance Owed : {$3000.00} - Account is reporting inconsistent and inaccurate Open Date are showing different dates at each bureau. 

XXXX  XXXX Balance Owed : {$380.00} - The Open Date on the account has been changed. It is a Violation to Re-aged the open, Please Deleted Immediately. 

XXXX XXXX XXXX Balance Owed : {$270.00} - This account has several violations : You are reporting a re-aged open date, Reporting a past due amount on collection account, and incorrect Date of last activity. Please delete for violations. 

XXXX XXXX XXXX Balance Owed : {$530.00} - This account was transferred to another collection company you are reporting this duplicate account. 

XXXX XXXX XXXX Balance Owed : {$100.00} - You are reporting an incorrect Date of last activity, an incorrect open date ; it has been changed, and an incorrect balance. These are ALL violation please Delete. 

XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX  XXXX Balance Owed : {$1000.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX Balance Owed : {$1300.00} - our records are revealing conflicting and incorrect information compared to other bureaus.

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$1100.00} - This account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete 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 2021-01-12 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase Ink, credit card was lost/stolen on or around XX/XX/XXXXXX/XX/XXXX. I reviewed my transaction history on my Chase Ink credit card at the end of the month to make my monthly payment I've noticed fraudulent charges that occurred on my card on XX/XX/XXXX and XXXX. Immediately I went to look for my card which I was unable to locate it, I called chase bank and reported my credit card lost. Fraudulent transactions occurred out of state in Nevada in the amount of {$15000.00}. A police report was filed and sent to the bank. No investigation was completed by Chase they had not contacted the merchant instead they are blaming me for the fraudulent charges and asking me to contact the merchants when my card was lost and not in my possession, and I did not authorize anyone to use the card. Chase did not call me to verify if the transactions were being authorized by me at the time of the incident that took place out of state. 

Last transaction that I've made with the card in my possession was on XX/XX/XXXX at XXXX XXXX XXXX XXXX in the amount of {$3.00} Account # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12 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: PA

Complaint narrative:
XXXX  XXXX Balance Owed : {$10000.00} - Account is reporting inconsistent and inaccurate Open Date are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX Balance Owed : {$10000.00} - Account is reporting inconsistent and inaccurate Open Date are showing different dates at each bureau. 

XXXX XXXX  XXXX Balance Owed : {$550.00} - The Open Date on the account has been changed. It is a Violation to Re-aged the open, Please Deleted Immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove.

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 2021-01-12 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: Chime Financial Inc
State: GA

Complaint narrative:
My account was hack a few days before XXXX, Im working in the XXXX as an XXXX over 130 hrs a week for someone to take my funds from my account and move to ( XXXX XXXX XXXX XXXX ) another then closed the account without my authorization. I spoke with countless of representatives to the floor managers as well through about a dispute over emails and phone calls no one can help me not even with a print out of my past transactions from XXXX showing the money being taken so I can show proof to authorities to pursue filing the police report whomever took over two grand out of my account. Chime ( XXXX XXXX ) has not done anything to assist me with this matter and Ive been banking with them for over 1 year and this is the first and last time Ill never bank with a crooked company such as this one again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: CA

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$1100.00} - This account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/2020 A letter was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, & on XX/XX/2020 a letter was sent to XXXX, XXXX XXXX XXXX XXXX XXXX. Under the cares act it was stated that during the pandemic there is to be no negative reporting to the credit agencies including late fees. I recieved notices and alerts I am being reported for late payments and my score has been affected tremendously. I reached out to the reporting agencies and they refused to help me and ignored a statewide message that was put into law due to COVID -19. I am an XXXX XXXX for a school in XXXX XXXX and everyone know the school systems were shut down half the year last year and partially this year and online schooling is limited or not at all. In order to relieve the financial blow to americans it was said for the creditors and reporting agencies to cease collection activities as jobs were closed and americans suffering with no income due to no fault of ours. They didn't want Americans choosing between feeding their families or paying a bill. We are still in a pandemic and I have asked for forebearances and late payment removals. I suffer from XXXX and this is stressful. I have a daughter and a family I have to support and a mortgage and child care. I am reaching out for clarity because im put in the situation of choosing food over my finances. im not trying to avoid them I just need some help from my creditors until I can get through this crisis and request for them to remove the late payments and not tell the credit agencies to hurt my report and please the legislates that have been passed regarding the debt collections and negative reporting to peoples reports.

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 2021-01-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/2020 A letter was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, & on XX/XX/2020 a letter was sent to XXXX, XXXX XXXX XXXX XXXX XXXX. Under the cares act it was stated that during the pandemic there is to be no negative reporting to the credit agencies including late fees. I recieved notices and alerts I am being reported for late payments and my score has been affected tremendously. I reached out to the reporting agencies and they refused to help me and ignored a statewide message that was put into law due to COVID -19. I am an XXXX XXXX for a school in XXXX XXXX and everyone know the school systems were shut down half the year last year and partially this year and online schooling is limited or not at all. In order to relieve the financial blow to americans it was said for the creditors and reporting agencies to cease collection activities as jobs were closed and americans suffering with no income due to no fault of ours. They didn't want Americans choosing between feeding their families or paying a bill. We are still in a pandemic and I have asked for forebearances and late payment removals. I suffer from XXXX and this is stressful. I have a daughter and a family I have to support and a mortgage and child care. I am reaching out for clarity because im put in the situation of choosing food over my finances. im not trying to avoid them I just need some help from my creditors until I can get through this crisis and request for them to remove the late payments and not tell the credit agencies to hurt my report and please the legislates that have been passed regarding the debt collections and negative reporting to peoples reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: PA

Complaint narrative:
I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXwhich is attached, he following items do not belong to me and is a result of fraud that I did not authorize. 
XXXX XXXX XXXX XXXX Past Due Amount : {$1600.00} XXXX XXXX XXXX Past Due Amount : {$420.00} XXXX XXXX XXXX Past Due Amount : {$94.00}

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 2021-01-12 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: PA

Complaint narrative:
I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXwhich is attached, he following items do not belong to me and is a result of fraud that I did not authorize. 
XXXX XXXX XXXX XXXX Past Due Amount : {$1600.00} XXXX XXXX XXXX Past Due Amount : {$420.00} XXXX XXXX XXXX Past Due Amount : {$94.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have been paying my child support so Im not sure why its on my credit report as being a negative effect. Balance history shows I have been current only as of XX/XX/XXXX and nothing before that but I was XXXX in XXXX  from XX/XX/XXXX until XX/XX/XXXX and had 20 % taken out of my state paycheck every month to go to my child support but on my credit report it shows that I havent paid it at all. This debt is also from XXXX so Im sure this debt has exceeded its statue of limitations as well. Experian has kept me very well informed on what to do so all of my options have been used now im trying this before I have to proceed with my attorney. The child enforcement agency also shows me paying one month in XX/XX/XXXX and of course Im XXXX  at that time so theres no physical way I would of been able to pay that one time. The payments were supposed to be sent every month from the case managers in the prison and the child support office is refusing to report that I have always paid my child support without missing any months since XXXX. Thank you for the help

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 2021-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I receive a letter from an attorney about a lawsuit that has been file against me for credit card debt. and they can garnish my wages and seize my car etc.. i don't have no further information of that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: PA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: PA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: MO

Complaint narrative:
I have had an Direct Express Card for a very long time. And ; recently, I had put in for a new Card. Its been well over 3 weeks now. And ; I have still not gotten it. My Mom ; and I both ; have been trying to call to get this issue cleared up. But ; when can not get ahold of a live person to talk to involving this issue!!. I am on XXXX, my brother had to my rent this month, I havent been able to buy groceries, or anything for that matter. I dont know, what I would of done without the help and the love of my family. But ; its not their situation. And ; I want my new card!?. I dont know what is going on with these people. But ; I after I get my new card. Im, not going to be using them!?. No more!!. But, I need to get my new card with my money!!. Ive, even texted the President of the Company!?. Left my e-mail address and everything!!. No reply!?. Just ; got online with these people again, and, yes, they can help me, For ; a fee, that is!?!. Now, how do these people, want me to pay them a fee, when they have my card and my money. And ; they arent going to get another dime from me!!. Ive called the U.S. Postal Service ; as well. Just ; keep getting recordings of ; Sorry ; due to the Co/Vid ; we are having lack of staff. And ; then it hangs up on you!!. Something ; is terribly wrong, And ; theyre are So many other People ; talking about this Business!!. And ; how they are having trouble ; as well. Thank you for your time. Please ; let me know what 2 do next?!!. Thank you!!.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX Bank of America took hold of my funds in the amount of XXXX in my account of # XXXX I then called to inform them of a transfer that wasnt supposed to go into that account on XX/XX/XXXX and wrote them in letter form of this mistake as well. I then called them the again XX/XX/XXXX to see what I need to do to get my funds returned because they never responded to my letter, Bank of America customer service red flagged line then told me that my funds were being held in there back office for investigation. I then Inform them again of wrong bank information was mistakenly placed down, and couldnt be changed on the SBAs website or by phone. I didnt think it was a big deal but this small mistake has gotten my account closed and red flagged. And Now it has been 6 months today XX/XX/XXXX of investigations on me making me look like I did something wrong which wasnt the case. Bank of America has treated me so terrible during this process that I need to seek legal actions. I have uploaded all information on what I have on them and paperwork that Ive sent them to get them to understand I am not a criminal, Im a XXXX XXXX of the company XXXX XXXX, and my Name is Ms XXXX XXXX. But they will not respond or send my funds back to me, after knowing who I am and what mistake I made, they have done a investigation and founded nothing wrong in what I did, and still no response or return of my funds.

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