vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: MD

Complaint narrative:
Over a month ago I called XXXX  customer service to settle my account. A payment was recieve and said that the status of my account will change. To this day my account is still closed and derogatory with the same balance. No action has been taken and they are still reporting wrong information. I asked that this account gets deleted from 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 2020-07-14 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: MD

Complaint narrative:
Over a month ago I called XXXX customer service to settle my account. A payment was recieve and said that the status of my account will change. To this day my account is still closed and derogatory with the same balance. No action has been taken and they are still reporting wrong information. I asked that this account gets deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: MD

Complaint narrative:
Over a month ago I called XXXX customer service to settle my account. A payment was recieve and said that the status of my account will change. To this day my account is still closed and derogatory with the same balance. No action has been taken and they are still reporting wrong information. I asked that this account gets deleted from 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 2020-07-14 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: VA

Complaint narrative:
Deparment of education/XXXX  is reporting a 90 days late payment in XX/XX/XXXX for 20 different federal student loan accounts with experian & XXXX & 22 accounts with XXXX, but the accounts were never late because they were all in forbearance from XX/XX/XXXX until XX/XX/XXXX then paid in full through consolidation XX/XX/XXXX. I sent proof of the loans ' status history from the department of education to XXXX and all 3 credit bureaus & requested that the late payments be removed, but they have not been removed. These late payments are causing a huge impact to my credit score as there are so many accounts that the late entry is multiplied by. I need this corrected asap. I have attached the documentation showing the loan 's status history where it was never late as well as my statement from XXXX from XX/XX/XXXX showing no late balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: OH

Complaint narrative:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Synovus Bank
State: GA

Complaint narrative:
I've tried several attempts to get Synovus Bank to remove their reporting error. They have simply ignored their wrong doing and fraud information rhe United States government. I have had no credit card account with Synovus Bank for over ten years. I opened an account back in XXXX and legally settled the debt back in XXXX. The account dropped off my credit file within the appropriate time frame.Years later Synovus has put this old account back on my credit in which first appeared on my file as of late XX/XX/XXXX. Some one appeared to make up dates of missing payments since XXXX and settled out as of XX/XX/XXXX because I haven't applied for credit with Synovus nor have I had a Synovus credit card account in over a decade. They are frauding the United States government by putting this legally settled over ten years ago back on my credit file debt again and to file it as bad debt with the Internal Revenue Service. They are lying and someone is stealing money in their department and frauding XXXX people accounts. They have been very discriminating in their credit practices. are trying to humiliate and destroy my credit well-being to protect someone in their company who is stealing and fraud in the United States government.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been a Chase Business Credit Card Holder for a few years now and I've always paid my bills on time. Since Covid hit in XXXX, I've had to close my business and lay off all of my employees. I've called and begged and pleaded with Chase to please either lower my interest rate or possibly help reduce some of my interest fees due to the fact that my company is closed yet they refused. They told me that the Federal Government is not allowing any interest fees to be waived. That makes absolutely so sense at all. How is a company supposed to pay off it's bills if we are not allowed to open? I own a business in XXXX and I don't know if I'll ever be able to reopen. I had to take out a loan just to pay off this card because they continued to charge interest fees even after I told them that my business was permanently closed. What a disgrace and a disgust. These massive financial institutions that have billions of dollars and they can't give a small business a break on interest fees after being told the business is closed. Welcome to America!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I CHECKED MY CREDIT 2 WEEKS AGO. THERE WAS A COLLECTION ACCOUNT FROM 3 YEARS AGO ON MY XXXX  AND XXXX   REPORT. I TRIED TO ASK WHY THIS IS ON MY REPORT. THE REP TRIED TO SET UP AN ARRANGEMENT TO PAY. I TOLD HER THIS IS NOT MY ACCOUNT. PLEASE PROVIDE SOME DOCUMENTS FOR THE DEBT. THE DEBT IS {$360.00} WHICH IS NOT MINE. IT HAPPENED AROUND XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Prior to closing on a new home on XX/XX/2018. The lender XXXX XXXX XXXX  was unable to access my credit report from Equifax. Previously, in XX/XX/2018 I asked that a Freeze be placed on this account to prevent identity theft. During the process of relocating and purchasing a new home in XXXX XXXX my credit report remained frozen. I have repeatedly contacted Equifax via phone calls, on line and regular mail requests to remove the Freeze. They continually tell me that they see a problem but they are never able to resolve the problem. It has been nearly two years that I have been working on this. I am currently waiting for Equifax to contact me with the current status of their investigation. 
This issue has caused me to pay higher than normal rates for Insurance and home loans. 
I am in a desperate need for help to get this resolved. Please send help. 
Equifax : Unfreeze my account, XXXX I am currently trying to refinance my mortgage and this issue is preventing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: WA

Complaint narrative:
9 MONTHS AGO WHILE MONITORING MY CREDIT REPORT I DISCOVERED AN ACCOUNT IN COLLECTION STATUS ON MY CREDIT REPORT. IT WAS REPORTED ONTO MY CREDIT REPORT FROM A TELECOMMUNICATIONS/INTERNET SERVICES PROVIDER COMPANY THAT I HAD NEVER DONE BUSINESS WITH, CONTRACTED WITH, OR HAD SERVICES PROVIDED BY THEM. THE COMPANY REPORTING THE ACCOUNT AS UNPAID AND IN COLLECTION STATUS WAS SHOWN AS : XXXX XXXX FOR XXXX, XXXX XXXX, XXXX, MASS. 
TELEPHONE:XXXX  THE AMOUNT OF THE COLLECTION WAS FOR {$360.00} AND INDICATED THE ACCOUNT BEING OPENED ON XX/XX/2018. 

SINCE THE ACCOUNT WAS NOT MINE I WAS CONFIDENT THAT IT HAD BEEN REPORTED IN ERROR BY THE CREDITOR. I PROMPTLY NOTIFIED THE REPORTING COMPANIES OF THIS ERROR BY USING THE DISPUTE PROCESS TO THESE CREDIT REPORTING COMPANIES, XXXX, XXXX  AND TRANS-UNION. I WAITED THE REQUIRED 30 DAYS BEFORE REVIEWING MY CREDIT REPORT TO DETERMINE THE STATUS OF THIS DISPUTE. UPON MY REVIEW OF THE CREDIT REPORTS FORM EACH OF THE CREDIT REPORTING COMPANIES I DISCOVERED THAT XXXX  AND XXXX  HAD DETERMINED MY DISPUTE AS VALID AND HAD REMOVED THIS WRONGLY REPORTED COLLECTION ACCOUNT. TRANS-UNION DID NOT REMOVE THIS INACCURATE ACCOUNT/COLLECTION FILE. I MADE TWO MORE ATTEMPTS ASKING TRANS-UNION TO DELETE THIS CREDIT FILE WITH THE SAME RESULTS. I THEN SENT A REQUEST TO THE COMPANY MAKING THIS INACCURATE AND INCORRECT CREDIT REPORT ASKING THEM TO FORWARD DOCUMENTATION THAT WOULD SHOW THE ACCOUNT HISTORY AND PERTINENT INFORMATION. IT HAS BEEN OVER SIX WEEKS AND NO RESPONSE HAS BEEN RECEIVED I THEN MADE THE SAME REQUEST TO TRANS-UNION TO PROVIDE DOCUMENTATION THAT I WAS THE OWNER OF THIS ACCOUNT AND ALSO ASKING THAT IF DOCUMENTATION COULD NOT BE PROVIDED TO THEN DELETE THE FILE FROM MY CREDIT REPORT. NO REPLY HAS BEEN RECEIVED AS WELL AS THERE BEING NO CHANGE TO MY CREDIT REPORT. TRANS-UNION HAS BEEN EXTREMELY UNRESPONSIVE AND BY LAW IS OBLIGATED TO EITHER SHOW PROOF THE FILE IS MINE OR IF NOT TO DELETE THE FILE. THIS NEGATIVE AND INACCURATE CREDIT FILING IS CAUSING GREAT HARDSHIP. IT HAS HURT MY CREDIT SCORE AND PREVENTING MY ABILITY TO PROCURE LOANS TO PAY MEDICAL BILLS FORM MY THREE YEAR BATTLE WITH XXXX.THIS ISSUE DEMANDS INVESTIGATION AND MY RIGHTS GUARANTEED BY LAW B E ENFORCED.I HAVE EXHAUSTED ALL ASPECTS OF RESOLVING THE HARM AND INJURY RESULTING FROM THE CREDITOR AND TRANS-UNION TO SHOW PROOF OR DELETE THE FILE. I GRATEFULLY ASK YOUR HELP WITH THIS ISSUE. IT IS DIFFICULT ENOUGH WITH THE ISSUES WE ALL ARE FACING IN OUR DAILY LIVES MUCH LESS HAVE MY ABILITY TO INTERACT IN REGULAR FINANCIAL COMMERCE.I THANK YOU IN ADVANCE FOR YOUR ASSISTANCE. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I took a credit with Synchronicity Bank and agree to make autopayments to cover the costs for 36 months. At some point, the system charged for the whole debt in one payment. Wanted to change again to monthly autopayments, bank agreed to send me a check as a way to reimburse and then being able to proceed with monthly autopayment. Check never arrived. So I decided it was for the best to just leave it like that, the bank already got my full payment, I was debt free. 

But, few weeks later, they still try to charge me for something I already paid!. And even when I tell them to review their system and see that 1 ) I never got a check 2 ) I never cashed that check 3 ) they got the full payment from my side, they try to keep pushing for me to make payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: GA

Complaint narrative:
My car window was smashed at a local trailhead and my purse stolen from the floorboard of my car on XX/XX/XXXX. I immediately filed a police report with local authorities. XXXX County-XXXX  Georgia Police report # XXXX ( Officer XXXX ). Within an hour of the discovery, I also called my credit card companies including Chase to report the theft. Chase sent me an email that someone tried to use my credit card at XXXX - I used their online tool to indicate that the charge was not me. The charge was approved anyway. {$400.00} was charged to my card at XXXX and store surveillance footage shows the purchase was made by a XXXX male ( I am a XXXX  female ). Nevertheless, in spite of filing a police report and immediately reporting the fraud, Chase 's Fraud team 's internal investigation decided that I am responsible for the charge because it occurred at a store near ( 5 miles or so ) the site of the theft and my own address. Chase 's letter to me indicates that I " received benefit from the transaction. '' The fraud phone # directed me to an email and I called the main # and spoke to someone in disputes who said it was not a dispute but she read the internal notes where Chase thought that I made the story up. So apparently, the thought is that I smashed the window of a XXXX, wasted an afternoon filing a police report and contacting banks, wore a XXXX XXXX level disguise to XXXX, all to defraud Chase of roughly {$400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Filed a Ide.ntity Theft Report and sent a copy to Equifax Credit Bureau, on XXXX XXXX. I attached the Identity report as well as a copy FCRC 605 forms. As of the to XXXX XXXX, report hasn't been updated or information removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Ive asked XXXX, XXXX  and TransUnion to take my XXXX account out of Dispute. It continues to be in dispute and everytime I call to get it removed it lowers my credit score. The account should not be on my credit report at all 32A district court dismissed this case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
I took a credit with XXXX XXXX  and agree to make autopayments to cover the costs for 36 months. At some point, the system charged for the whole debt in one payment. Wanted to change again to monthly autopayments, bank agreed to send me a check as a way to reimburse and then being able to proceed with monthly autopayment. Check never arrived. So I decided it was for the best to just leave it like that, the bank already got my full payment, I was debt free.

But, few weeks later, they still try to charge me for something I already paid!. And even when I tell them to review their system and see that 1 ) I never got a check 2 ) I never cashed that check 3 ) they got the full payment from my side, they try to keep pushing for me to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: VA

Complaint narrative:
Deparment of education/XXXX is reporting a 90 days late payment in XX/XX/XXXX for XXXX different federal student loan accounts with XXXX  & Transunion & 22 accounts with XXXX, but the accounts were never late because they were all in forbearance from XX/XX/XXXX until XX/XX/XXXX then paid in full through consolidation XX/XX/XXXX. I sent proof of the loans ' status history from the department of education to XXXX and all 3 credit bureaus & requested that the late payments be removed, but they have not been removed. These late payments are causing a huge impact to my credit score as there are so many accounts that the late entry is multiplied by. I need this corrected asap. I have attached the documentation showing the loan 's status history where it was never late as well as my statement from XXXX from XX/XX/XXXX showing no late balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: VA

Complaint narrative:
Deparment of education/XXXX is reporting a 90 days late payment in XX/XX/XXXX for 20 different federal student loan accounts with XXXX  & XXXX & 22 accounts with equifax, but the accounts were never late because they were all in forbearance from XX/XX/XXXX until XX/XX/XXXX then paid in full through consolidation XX/XX/XXXX. I sent proof of the loans ' status history from the department of education to XXXX and all 3 credit bureaus & requested that the late payments be removed, but they have not been removed. These late payments are causing a huge impact to my credit score as there are so many accounts that the late entry is multiplied by. I need this corrected asap. I have attached the documentation showing the loan 's status history where it was never late as well as my statement from XXXX from XX/XX/XXXX showing no late balance.

Company response to consumer: Closed with explanation