vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. there are fraudulent unknown inquires on my credit report

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 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
My XXXX credit card payment was {$290.00} which i had paid in full. 
When i received the XXXX statement ; i saw there's interest charged {$2.00} on my statement. i do not know why? 

I have called the REGIONS credit card company about my issue on XX/XX/2021 ; but the representative told me that she can not remove the Interest Charged. 

Obviously ; this is a kind of ABUSE CHARGED. 


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 monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
3rd party received my medical records and personal information, such as social DOB and alleged debt from a medical facility.This 3rd party has now damaged my consumer report with such information before validating such debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: NY

Complaint narrative:
I am a victim of identity theft, there are fraudulent unauthorized inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
hello, I applied a HUD Fair Housing Complaint on XXXX but this evening I received a response from them that my claim has been closed for lack of their jurisdiction power and asked me to contact CFPB. Thanks for your help in advance. 

What happened? : On XX/XX/2021, I submitted a request to BoA to refinance my home. The mortgage agent ( XXXX XXXX ) provided me with two options, with and without points. I did some calc and said using points does not work for me so lets do the refinance rate without point option.

He told me that it is not a big deal and it can be changed easily and asked me to have the rate with point option and wait until load approval. 
I agreed but in several times after our initial conversation I reminded him to remove points from my rate in our phone calls or via email. I can provide a copy of my email I sent to the agent on XX/XX/2021 on the subject ( please see attached ). He did not respond to my email but on the phone repeated that it can be changed easily. 
The last time I reminded him ( via email ) was on XX/XX/2021 ( please see attached ) which he sent me mortgage document and I was ignored again until the day of closing ( on XX/XX/2021 ), I notice that the documents still have the wrong rating so did not sign the closing document. 
On XX/XX/XXXX, he sent me a new mortgage estimate in which the rating ( without point ) is higher than the original one. However some prepaid items like Insurance Premium and property tax have been removed to make the numbers looks good but I have not accepted. from then, they keep pushing me to accept their new rate ( so far sent me 3 random closing date w/o my agreement ) or cancel my application.

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 2021-11-04 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 want you to be advised I contacted the bureaus multiple times on this fraudulent medical account on my report. I requested VALIDATION not verification on this " XXXX '' account number XXXX but I haven't received any update on this account. I want this fraud account remove immediately. The fact the account is fraud is my number one reason I want this account deleted. Therefore, its completely inaccurate, the dates open are inaccurate TransUnion has this account open on XXXX but XXXX has XXXX XX/XX/XXXX. Furthermore, the same company XXXX but different account number XXXX is the second fraud account on my credit report that TransUnion is reporting. I want these fraud accounts deleted off my report immediately. The date open is also inaccurate on these fraud account TransUnion reports the date open is XX/XX/XXXX. However, XXXX has the date open at XX/XX/XXXX. PLEASE DELETE THESE FRAUD ACCOUNTS OFF MY CREDIT REPORT

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 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I received an alert that a collection account was added to my credit report! Ive never done business with nor have I ever been contacted by this company about this debt!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 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: CA

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 XXXX Credit Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: DISCOVER BANK
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on DISCOVER FIN SVCS LLC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Applied for Chase amazon visa in XX/XX/2021. I never received the credit card. I was unable to create an account to pay the bill because I need the credit card number to create and account and I had never received the card. I called Chase and gave them a different address. Again, the second card was also not received. I have a two line address as i utilize a po box . Unfortunately Chase 's system is so antiquated that it can not produce a statement with a two line address. As you can see from the attached that they have both lines of my address but only one line was utilized each time.

I called chase again and they said the second card had been returned. I verifies the correct address and asked them to send me statements as I was unwilling to make payment until I could conform that the charges on the statement were indeed mine and not fraudulent. This is a perfectly reasonable expectation.

The credit card company should be competent enough to provide me a statement before expecting payment. Chase filed a negative report with the credit bureau alleging late payment. Due to Chases incompetence i was unable to pay the balance on the card. Case has said that USPS says my address ( es ) are not valid. The address is valid. They way Chase entered the address is not valid. As you can see from the attached they have the correct address they are just unable to use both lines of the address. The correct address is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Both lines need to be utilized in order to ensure delivery. Again, the attached proves that Chase has both lines of the address they are just unable to competently complete my address in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to REMOVE immediately. Here is the incorrect account : TD BANK USA/TARGETCRED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP AN AUTO LOAN IN MY NAME. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA # XXXX '. ON XX/XX/2020, I MAILED EUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: CA

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2021-11-04 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: CA

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: MI

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
I was notified by FICO that a collection was added to my credit report. I checked the notification, and the collection agency said on my credit report that I owe {$190.00}. Called them out about the debt, they said I owed XXXX XXXX XXXX {$190.00}. And they wanted me to pay the debt. I paid the debt on my credit card. Afterwards, I called XXXX XXXX XXXX they were UNABLE to find the debt that Sunrise Credit Service said that I owed XXXX XXXX XXXX I was told by XXXX XXXX XXXX that I have XXXX balance with them. This company has dropped my credit score almost 50 points. Don't give this company any money. This is scamming people taking their hard earned money, and destroying consumers credit. This company had all my personal information. This company is a SCAM!

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 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
Two transfers occurred on XX/XX/XXXX and XXXX each for {$100.00} plus XXXX in fees. These were supposed to be for personal services rendered that never were. 

I tried to contact the payees through the messenger systems in place but never got a reply back. 

I then submitted a dispute with the company as I had not heard anything from the payee. They have denied my dispute and I have run out of options. I was scammed out of those two payments and the customer service from PayPal has been nothing but go around. I need these charges reversed as I never received any of the services that were stated and it was prior stated they would refund the money within 72 hours of service not being rendered ( the payee ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX USA Account number XXXX The following account is reporting incorrectly on my consumers profile, According to XXXX XXXX and The FCPA you are suppose to report information, Timely, Accurately & Verifiable. This has cause detriment to my reputation and because of the confusion you have caused I'm asking for you to delet these late payments on my profile for the simple fact its not consistent, Its not true, it's damaging my life, this is incorrect and you guys have it wrong and according to the rules you must delete. This should be the same accross all consumer agencies, but it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP A MOBILE PHONE ACCOUNT, A PERSONAL LOAN, AND INSURANCE IN MY NAME WITHOUT MY KNOWLEDGE. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA # XXXX '. ON XX/XX/2020, I MAILED EUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: AZ

Complaint narrative:
My wallet and cell phone were stolen on XX/XX/2021. I actually had to file a complaint about the other Bank that had not returned my money from that account. Now Chime has FINALLY made a decision about the transactions that were unauthorized on that account and what they did was contact the companies that the transactions were with and ask them for a refund. 2 out of the XXXX issued full refunds. XXXX refunded {$3.00} out of {$75.00} and I refuse to take that. Now keep in mind the theif stole my items, took XXXX to the casino, withdrew {$20.00} from an ATM at the casino then took the XXXX where ever they went that cost almost XXXX bucks. Now Chime refunded the ATM withdraw and the other transactions that happened when the theif arrived at the place they were going but what it cost to get there is my treat? No and not to mention all of the trauma of dealing with being robbed but then the people that are supposed to protect my LIVELYHOOD are robbing me of it as well. It is unbelievable to me and I have closed all the accounts wirh Chime. I want them to send me a check for the {$75.00} and {$11.00} that they have no idea where it is or why they have it but it is gone from my account and I want nothing else to do with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: AR

Complaint narrative:
I recently sent a letter on XXXX XXXX asking Hyundai finance to update my payment history because I was never late on a payment please update this incorrect information to payed as agreed.

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 2021-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
i was told that i need a down payment on my car, so i put XXXX down payment, however pursuant to 15 usc 1662b ( no advertisement to aid, promote or assist directly or indirectly any extension of consumer credit may state ) also the seller bmw of gwinnett place and bmw financial has a lien on my bmw and is forcing me to make monthly payments or they will repo my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: GA

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

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX 2020

Company response to consumer: Closed with explanation