vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PENTAGON FEDERAL CR UN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-19 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: Carvana Group, LLC
State: CA

Complaint narrative:
XXXX, XXXX XXXX, and XXXX have not bother to investigate thoroughly! If they did, they will know that this happened without my consent, in a totally different state that Ive never visited, by people that I do not even know! 

The police dont want me to keep coming in to file police reports, because Ive already filed one, and they said identity theft happens very often. 

Please assist me with regulating XXXX, XXXX XXXX, and XXXX, to correct these issues,. 
Because these accounts do not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: CA

Complaint narrative:
I am a victim of identity theft.I have an account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with Experian, XXXX, and XXXX on XX/XX/2021. The account is from XXXX Bank and it is not mine as I have been a victim of identity theft. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent my FTC identity theft report, my police report, my drivers license, my social security card, a letter detailing my identity theft and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2021, I received notification that my TransUnion and XXXX credit scores had dropped by 119 points due to the following : -a transferred XXXX  student loan account -incorrect delinquent payment history reported by XXXX, a third party reporter of XXXX -multiple unauthorized hard inquiries I believe TransUnion and XXXX both denied my requests to dispute the above, violated my privacy by the unauthorized release of my credit reports and took discriminatory action against me with the sharp decline in the calculation of my credit score when XXXX transferred a student loan account to 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 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime Bank is a disaster. I have pursued a dispute with the company and opened the dispute within a timely manner. Regardless of sending Chime proof, they closed my case NOT in my favor. Chime Bank sent me emails ( which I have inlcuded ) that stated that there WERE errors on the account and that I would be permanently credited for my disputed transactions ( paying via other means ). I sent a detailed document from my XXXX bank account PROVING PAID BY OTHER MEANS. Recently received email from CHIME denying me my dispute ( regardless of stating the dispute was in my favor ). The reasoning/Chime 's proof was UNINTELLIGIBLE. they sent a practically UNREADABLE document that displays a transaction in a general manner, without OFFICIAL LETTERHEAD. There is NO Proof supplied by Chime/Merchant that would make their proof more legitimate than MINE. I have the proof, chime stated it was NOT in my favor because of an unofficial document THAT PROVES NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
HeyThis is an important message for XXXX XXXX. If you are not this person, please disregard and delete it. 
Email not displaying correctly? 
Skip to our message. 
Pay 50 % less than your full balance! 
Hello XXXX, We are TrueAccord, a third party debt collection agency that is working on behalf of XXXX XXXX XXXX XXXX ( current creditor of your original XXXX XXXX account ) to collect on a balance of {$300.00}. 

Our approach is to make the debt collection experience better for the customer by offering self-serve options online. We're even offering you a discount of {$150.00}! 

You can review the details of this balance below. 


View Your Options Here are the details : Current creditor : XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX account ending in : XXXX Balance at Placement : {$300.00} Reduced Amount : - {$150.00} Total You Will Pay If You Accept This Offer : {$150.00} We are not obligated to extend or renew this offer. Nothing in this offer changes your rights as described in our initial email. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication. 

Please read below for important disclosures. 


Copyright 2021 TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX  - XXXX XXXX  ET XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX TrueAccord account number is : XXXX Click here for more information about your balance Not ready to pay? Get help managing your debt. 
Unsubscribe Dispute this debt Privacy Policy Log in to your account The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXXXXXX can not sue you for it. In some states making a partial payment may revive XXXX XXXXXXXX XXXX XXXXXXXX 's ability to sue to collect the remaining balance. 

This was originally an account with XXXX XXXX , account number ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: CA

Complaint narrative:
I am a victim of identity theft.I have an account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with XXXX, TransUnion, and XXXX on XX/XX/2021. The account is from XXXX XXXX  and it is not mine as I have been a victim of identity theft. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent my FTC identity theft report, my police report, my drivers license, my social security card, a letter detailing my identity theft and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: CA

Complaint narrative:
I am a victim of identity theft.I have an account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with XXXX, XXXX, and Equifax on XX/XX/2021. The account is from XXXX XXXX  and it is not mine as I have been a victim of identity theft. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent my FTC identity theft report, my police report, my drivers license, my social security card, a letter detailing my identity theft and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021, I received notification that my XXXX and Equifax credit scores had dropped by XXXX points due to the following : -a transferred XXXX  student loan account -incorrect delinquent payment history reported by XXXX, a third party reporter of XXXX -multiple unauthorized hard inquiries I believe XXXX and Equifax both denied my requests to dispute the above, violated my privacy by the unauthorized release of my credit reports and took discriminatory action against me with the sharp decline in the calculation of my credit score when XXXX transferred a student loan account to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Scratch Services, Inc.
State: VA

Complaint narrative:
Scratch is a third party biller who is incorrectly reporting delinquency on an XXXX personal loan. I have and will continue to pay my original creditor, XXXX directly.

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 2021-10-19 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: BLINCLOANS, INC.
State: VA

Complaint narrative:
XXXX  is a third party biller who is incorrectly reporting delinquency on an XXXXBlinc personal loan. I have and will continue to pay my original creditor, XXXXBlinc directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions delays payments into accounts and prioritizes payments out of accounts in order to force overdraft fees. They do this multiple times in rapid succession so they can charge you in excess of {$100.00} at a time. They can not be trusted to resist the temptation to take advantage of this lack of transparency in order to parasitize their clients. Consumers should be educated about financial institutions that engage in levying and extracting predatory fees.

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 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a business checking account with chase to use it for my rental income. I am XXXX XXXX XXXX and currently stationed in XXXX. I was meant to add a temporary address so I can receive letter mail for this account while I am in XXXX but I accidentally changed my permanent address in XXXX, I then went on XXXX for about 3 months. Chase contacted me back in XXXX but I wasn't able to get it and After I came back from my XXXX I got a letter in mail saying my account is getting closed. I then contacted chase explained that my permanent address is still in continental U.S, so does my business address as sole prop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My husband is XXXX XXXX military that currently stationed in XXXX. I have a chase business account since XX/XX/XXXXfor E-commerce ( XXXX or alike ) and based in California. My husband then added a temp address in XXXX so we can receive letter mails but accidentally changed the permanent address in XX/XX/XXXX, He then went on XXXX for three month and I received letter last week from Chase saying that my account will be closed. I called back and told my banker the address was changed by mistake and changed the address back to my permanent address back in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: AL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I have filed a number of disputes regarding my students loans on the experian credit report. Ive also contacted XXXX  XXXX XXXX regarding this issue and theyve reported in writing that there arent any disputes in their systems on my account. The initial dispute was filed to get the payment amounts updated. Once this information was updated correctly I was informed by a CSR that I would need to file another dispute to requesting the removal of the dispute language found in the comments/remarks section of my credit report. The dispute language has continually caused me to be denied for home loans resulting in more inquiries on my report. I have contacted Experian several times and they cant seem to solve this issue properly. I need this information corrected so that I wont be denied again.

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 2021-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
This is for credit acceptance account # XXXX # # #. So this was a repo. But they have tried to sue me fo the balance.as Im paying x amount they only were showing half what I paid now they re not showing any. This is an inaccuracy. Transition is saying my balance is ( XXXX ) the other 2 say there is a balance this is an inaccurate reporting.XXXX XXXX is not reporting a good or ok status at all this is an inaccurate reporting. XXXX is saying last reporting dat was XX/XX/XXXX as they are still saying late but good or ok this is an inaccurate reporting.XXXX  says that there is 27 late payments when they have reporting no data but hav1 ok or good mark. This entire account is all jacked up and needs from be removed this a joint account this was removed from my wifes account this needs to be removed from mine as well due to the violations of the fcra a lot of the rules are broken and this has severly damaged my credit pleaser remove from all 3 agencies

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 2021-10-19 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: Lendmark Financial Services
State: NM

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In my credit report, show an account, it's not my, is Bank Of America, I don't have any credit card from them. 
The account for {$10.00}, I don't recognize this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 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: NM

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation