vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 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: MD

Complaint narrative:
I have been disputing the inaccuracy of the Public Record which is being reported within my credit report. Equifax credit file dated XX/XX/XXXX verified through their third party vendor, XXXX that this item has been reported correctly. I was able to obtain a copy of my XXXX report case number XXXX dated XX/XX/XXXX ; their resolution : after a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. I not understanding, why, this bankrupcty remains in my file after XXXX have REMOVED/DELETED this item. Therefore, this Public RecorXXXX should be DELETED immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
balance was paid before closure of banks and is not showing on Chex systems.

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 2022-01-13 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: MO

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury, defamation of character, inability to obtain any type of credit or loans to help my family during this crisis. I can't get a job, a car, or a home. Not to mention XXXX XXXX and XXXX due to my inability to help my family. There is numerous inaccuracies on my report in which I've tried to remedy through the dispute process. That includes addresses I never lived at, jobs I never worked at, social security numbers that are not mine as well as accounts that I never opened from companies I've never done business with. False and misleading representation, and deceptive tactics has allowed XXXX, Equifax, and XXXX as well as their affiliates to obtain my personal information and furnish my consumer report with inaccurate data. I never gave consent for any of the before mentioned consumer reporting agencies to have, furnish, or sell any of my personal information for any reason including for profit that is fraud and violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
My wife and I both applied for the XXXX Barlclay 's credit card after being told about it by flight attendants on a flight with XXXX XXXX. We were told the {$99.00} annual fee would be waived for the first year if we used the promotional code when we apply. We both did as instructed in XX/XX/XXXX and within weeks of opening the accounts we were both charged the {$99.00} annual fee on XX/XX/XXXX. Nowhere in the terms and conditions is an expiration date to the promotion nor are there details that would exclude us from receiving the promotional discount. The promotional flier explicitly states " {$0.00} intro annual fee for the first year, then {$99.00}. '' It also states explicitly in the terms and conditions, " {$0.00} introductory annual fee the first year, after that {$99.00}. '' I reached out to customer service on XX/XX/XXXX and was told to fax information to them to start a dispute. I did as instructed and was later given case ID numbers for both my and my wife 's case. We then received letters in the mail dated XX/XX/XXXX that stated " We're currently unable to assist you with your Rewards issue. '' This appears to be a XXXX violation, specifically deception. The company is not following the terms as advertised. We were told there would be no annual fee, yet we are now out {$190.00}. We were forced to pay these fees to avoid them falling past due on our credit. The company gave deceiving terms, failed to address the complaint, and did so in an untimely manner that resulted in us having to pay the fee to avoid it reporting past due to the credit 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 2022-01-13 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: OH

Complaint narrative:
I have file disputes with TransUnion about a XXXX listed in my report. TransUnion keeps verifying as accurate and verified with third party vendor XXXX XXXX, however I have a copy of my XXXX XXXX consumer report showing no XXXX present. I have sent TransUnion the evidence and they fail to remove and keep verifying as accurate. They also have never notated my dispute for the XXXX in my report as being investigated during the 30 days.

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 2022-01-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX Balance : {$0.00} Charge Off : XXXX XXXX XXXX XXXX Balance : {$440.00} Collection : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$80.00}

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 2022-01-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX Balance : {$0.00} Collection : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$80.00}

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 non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I received information from AMSHER COLLECTION SERVICES attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Dear XXXX, I am writing to request that you review the following information that was entered on my consumer report. 

XXXX XXXX XXXX ending in XXXX I attempted to use this card on XX/XX/2021 at a local restaurant, the card was denied. When I logged into my account I found that there was an overdue balance outstanding that had not been paid. I contacted Chase VISA this morning and found out the problem was that Chase had put me on paperless billing without my knowledge. I have had numerous financial accounts request paperless billing and have always refused because I was afraid this is exactly what would happen. 

When I realized the account was past due on XX/XX/2021 I immediately paid the balance in full. I explained this to Chase this morning. The only problem is that I paid using my online banking which will make the payment on XX/XX/2021, however the due date is today. Chase accepted responsibility for the mix-up, removed all late fees and assured me my credit score will not affected more than it has already. 

If you review all of my accounts due over several years my payment history has been excellent. My credit score has been excellent for quite some time now. 

The purpose of this letter is to ask that you adjust my score to where it would have been if the late payments had not occurred. I hope that my credit will not suffer because of actions taken by Chase and not approved by me. 

Thank you for consideration in this matter. 

I have spoken to XXXX twice but have not been able to review the results of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: Kriya Capital, LLC
State: FL

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 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: TX

Complaint narrative:
The credit bureaus have constantly disregarded my request for investigating and reinvestigating my disputes. I have noticed multiple discrepancies on my credit report and have made multiple disputes with the bureaus. Which under the FCRA, if the credit bureaus don't investigate a dispute or notify you of the dispute then that is as direct violation. 

Also, it is a violation for the credit bureaus to be report any unverified/unvalidated and inaccurate information on a consumer 's credit report. If the information that is reporting is incorrect, unverifiable, and/or can't be validated with proof then the bureaus have to cist and desist the reporting, and then it has to be immediately deleted/removed.

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 2022-01-13 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: TX

Complaint narrative:
The credit bureaus have constantly disregarded my request for investigating and reinvestigating my disputes. I have noticed multiple discrepancies on my credit report and have made multiple disputes with the bureaus. Which under the FCRA, if the credit bureaus don't investigate a dispute or notify you of the dispute then that is as direct violation. 

Also, it is a violation for the credit bureaus to be report any unverified/unvalidated and inaccurate information on a consumer 's credit report. If the information that is reporting is incorrect, unverifiable, and/or can't be validated with proof then the bureaus have to cist and desist the reporting, and then it has to be immediately deleted/removed.

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 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: OH

Complaint narrative:
Contacted Cash App after debt/credit card opened in XX/XX/XXXX. Reported unauthorized card opened on behalf. Contacted Credit Bureaus. Sent documentation of account opened account to Cash App. Again in on XX/XX/XXXX Cash App credit sent to my address, without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/2021 Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian, I am writing to request that you review the following information that was entered on my consumer report. 

XXXX XXXX XXXX ending in XXXX I attempted to use this card on XX/XX/2021 at a local restaurant, the card was denied. When I logged into my account I found that there was an overdue balance outstanding that had not been paid. I contacted XXXX XXXX this morning and found out the problem was that XXXX had put me on paperless billing without my knowledge. I have had numerous financial accounts request paperless billing and have always refused because I was afraid this is exactly what would happen. 

When I realized the account was past due on XX/XX/2021 I immediately paid the balance in full. I explained this to XXXX this morning. The only problem is that I paid using my online banking which will make the payment on XX/XX/2021, however the due date is today. XXXX accepted responsibility for the mix-up, removed all late fees and assured me my credit score will not affected more than it has already. 

If you review all of my accounts due over several years my payment history has been excellent. My credit score has been excellent for quite some time now. 

The purpose of this letter is to ask that you adjust my score to where it would have been if the late payments had not occurred. I hope that my credit will not suffer because of actions taken by XXXX and not approved by me. 

Thank you for consideration in this matter. 

I have spoken to Experian twice but have not been able to review the results of my dispute.

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 2022-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
Agreed on a settlement. Once completed instead of updating my account or removing the debt they brought it current and insist that I still owe them funds when I do not. I have reported it to the credit beaus and the company itself along with sending my full payment receipts and they all have denied it. I go to look up the debt on the website and it now says my account isn't even found.

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