vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened an account with Banana Republic in XXXX. At the time I lost employment and was unable to pay the debt and attempted to resolve with creditor. When i had enough money to pay the debt in full I did so. I was told by a representative that if a payment was made the negative would be removed from my credit report. The item remains on my credit report and the company as updated the item with false information such as : a false address and date of charge off.

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 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I'm lost for words about this company trying to collect a debt I paid with the original creditor. I am requesting full validation on this account and had requested from the original creditor and they could not provide it. I have a feeling they sold it knowing what they have done. I need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive disputed with the original creditor XXXX XXXX  XXXX XXXX XXXX because the accounts have been charged off and they still report a late balance every month. Ive disputed via the bureaus with no change these accounts have been closed since 2017 and need to be removed as they dont comply with FCRA rules. Please verify or remove. Thanks

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 2021-06-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried to make an online deposit to my savings account and was not able to. I called customer service and was told the bank ( Chase XXXX closed my account and was not given a reason nor notice of the closing until my call. This occurred yesterday, XX/XX/XXXX, XXXX my balance in the savings account was {$13.00}, XXXX when the bank closed it. I called the bank and they refused to tell me why. I believe it was discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reached out to the 3 credit bureaus months ago and already explained to them those late payments should not be on my report because that was during Covid and that account is in deferment, but till this day I have not received any response to them. They haven't verified anything or showed me any proof that these late payments are factual. I want them updated to paid as agreed because I was never late and this is affecting my credit. Also Its been well over 60 days and this should be an automatic removal for not responding and those inquiries are fraudulent and should not be there as well.

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 2021-06-04 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:
I XXXX XXXX. Myself is victim of Identity theft. I am attaching my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: TX

Complaint narrative:
Ive disputed with the original creditor XXXX XXXX XXXX XXXX XXXX because the accounts have been charged off and they still report a late balance every month. Ive disputed via the bureaus with no change these accounts have been closed since 2017 and need to be removed as they dont comply with FCRA rules. Please verify or remove. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive disputed with the original creditor XXXX XXXX  XXXX XXXX XXXX because the accounts have been charged off and they still report a late balance every month. Ive disputed via the bureaus with no change these accounts have been closed since 2017 and need to be removed as they dont comply with FCRA rules. Please verify or remove. Thanks

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 2021-06-04 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: NY

Complaint narrative:
I reached out to the 3 credit bureaus months ago and already explained to them those late payments should not be on my report because that was during Covid and that account is in deferment, but till this day I have not received any response to them. They haven't verified anything or showed me any proof that these late payments are factual. I want them updated to paid as agreed because I was never late and this is affecting my credit. Also Its been well over 60 days and this should be an automatic removal for not responding and those inquiries are fraudulent and should not be there as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I recently paid off an XXXX credit card. My previous balance in XXXX was XXXX which was due by XX/XX/21. 
I made two more final purchases. One for {$10.00} on XX/XX/21 and another for XXXX on XX/XX/21. 
I mailed a payment of {$1400.00} on XX/XX/21, which did not include the {$10.00} purchase. The {$1400.00} check was received on XX/XX/21. I called XXXX and asked if my payment was received. They told me yes and that my new balance was {$11.00} but I will be charged a late fee. I accepted the late fee charge of {$40.00}. I received my XXXX statement and there is a balance due of {$83.00}. This statement is showing that I made a purchase of {$62.00} AFTER the payment of {$1400.00} was made. THIS IS INCORRECT. My XXXX statement shows the {$40.00} late fee and an additional {$31.00} interest charge on a balance that was only {$11.00}. I'm being charged way too much interest on an {$11.00} dollar balance. I should have only been charged the late fee of {$40.00}. On XX/XX/21, I called XXXX and I spoke to a customer service rep AND a senior manager and nothing was resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have pulled up a copy of my credit report through the credit monitoring account that I am using which is IdentityIQ and I noticed that my score in Experian is not being reported. The error says Not Reported - Code : 4. This is the third month that they have not reported my score and all of the accounts that they are supposed to report and show in 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 2021-06-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

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 2021-06-04 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

2. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

4. Identity Theft COMENITYBANK/VICTORIA  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2021 I sent dispute letters out over 60 days ago regarding information being reported on my credit report that is a HIPAA LAW VIOLATION. I have not received a response from the parties involved. 
I received a copy of my credit report and the listed accounts that are reporting on my credit report are clearly disclosed in my dispute letters, with my personal information, the providers that shared my health information with third parties and the account numbers. I am very concerned about this matter and highly need a response with a investigation into this.

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 2021-06-04 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



XXXX. XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing because I sent letters to the 3 bureaus about 5 or 6 months ago to address these fraudulent inquiries and collection accounts that I know nothing about. These bureaus and companies are affecting my credit and no one is responding to any of my complaints in trying to fix the situation. They are violation laws by reporting wrong information as well in all those reports that I seen, saying the same accounts were opened on different days and that's not right. I am a victim of the XXXX  breach and these are all false and I need help in rectifying this. If this can not be resolved then I will have to seek litigation because this is criminal that they doing.

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 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
A few weeks I applied for Capital One Quicksilver with introductory 0 % APR for XXXX year. Upon receiving the credit card, I simultaneously received a letter from Capital One 's fraud department. After calling the fraud department I was informed that I must deliver a copy of My Driver 's License, Signed Social Security number and proof of residence. After providing all the information with a copy of my mortgage statement. 

After providing that information I was called back from the fraud department again informing that I the copy of mortgage statement was not valid for proof of residence. The fraud case manager informed me that a copy of my bank statement would validate proof of residence. After submitting all this highly sensitive information twice to Capital One I heard nothing from them for over a week, so I decided to contact Capital One again. After calling the Fraud department they informed me this time that they were trying to contact my bank XXXX to validate my bank statement, but the bank would not do so. I told her that no bank would give a 3rd party information without some written authorization from the customer. After this I demanded to speak to a supervisor who told me that now a Utility bill would sacrifice for proof of residence and that a Utility company might validate my address with a 3rd party like Capital One. My last communication was providing a copy of XXXX XXXX  Power bill to their secure document upload website.

My main reason for this complaint is I believe Capital One is engaging in bait and switch tactics with customers who don't run balances. I had this same incident happen to me beforehand when applying for a Capital One card with a promotion rate and bonus. I was previously a customer with them for years and I have lived at the same address for 7 years so all this address verification is absurd since its the same address that I had when I was a customer with them. After looking at forums it seems other people are experiencing the same issue and it seems the common denominator is they are customers who don't run balances. Also in the process applying twice now Ive taken a inquiry hit on my credit report for a credit cards that they approve then try to take back after they realize that wont make money off you with interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax and XXXX  are reporting 10 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have a debit/credit card with Webster Bank and a checking account. In looking at my statement there were a number of XXXX purchases made using my card. I called XXXX and Webster to report that these purchases were not authorized by me. I told them that I would like a new card and to stop any purchases on the old card. In speaking with XXXX they did their investigation and credited me XXXX for the unauthorized purchases. I was very happy about that. I just received a letter from Webster Bank telling me that in doing their investigation, they have not found any errors and will be taking back the credits of XXXX. The case number on the letter is XXXX. I just spoke with a number of agents and the dispute dept. at Webster Bank and they could not give me any reason as to why they are taking the credits back off of my account. Needless to say, I am livid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pinnacle Credit Services, LLC
State: UT

Complaint narrative:
Debt collector continues to contact me for my ex-wife 's debts. I have told them several times over the phone that we have not been married for 10 years and to stop contacting me. Now they are emailing me about those same debts that they have been told are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft PORTFOLIO Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 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: NY

Complaint narrative:
I am writing because I sent letters to the 3 bureaus about 5 or 6 months ago to address these fraudulent inquiries and collection accounts that I know nothing about. These bureaus and companies are affecting my credit and no one is responding to any of my complaints in trying to fix the situation. They are violation laws by reporting wrong information as well in all those reports that I seen, saying the same accounts were opened on different days and that's not right. I am a victim of the Equifax breach and these are all false and I need help in rectifying this. If this can not be resolved then I will have to seek litigation because this is criminal that they doing.

Company response to consumer: Closed with explanation