vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 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: NV

Complaint narrative:
I sent an FTC Identity Theft Report to Equifax to dispute inquiries onXX/XX/2021, I received a lett

er that I will attach to this complaint informing all the inquiries that have been removed from my credit report. I checked my report right away after receiving the letter and discovered that many of the inquiries and items that the letter says that was removed are still on my credit report. When I called Equifax about the issue they said that I have to send the documents again to start the dispute process one more time. I sent another FTC Identity Theft Report to Equifax, with the disputed inquiries very clear and Equifax keeps sending me letters that they can't find my credit file even that I sent documents to prove my identity. The last letter I received from Equifax shows that all the inquiries disputed and listed in the identity theft report will stay in my report because they are factual records of file access even that they are included in the identity theft report and I received the attached letter from Equifax informing that they were removed before. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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:
Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX and just recently I sent over a 60 non comply letter and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this get handled quickly.

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 2021-08-24 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Obtained Synchrony Bank credit card in XX/XX/XXXX, used it once XX/XX/XXXX, paid bill in XX/XX/XXXX. Card charged with {$190.00} in XX/XX/XXXX, I immediately filed a dispute. Synchrony says the product was ordered and sent to my address. I did not order anything on this card. I have filed a police report regarding this issue at the request of Synchrony bank yet they refuse to remove the card. I have told them that unsolicited merchandise pursuant to Federal Code US 3009 can not be billed to my card and I am under no obligation to return anything received. I did not order this merchandise and I did not receive it.

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 2021-08-24 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: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! CMRE Financial Services Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 6801 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
I wrote Equifax on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response. There are inaccurate and unknown items on my credit report that are taking over almost 60 days for a response. I feel as if Im being taken advantage of and my disputes are being ignored.

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 2021-08-24 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: FL

Complaint narrative:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response. There are inaccurate and unknown items on my credit report that are taking over almost 60 days for a response. I feel as if Im being taken advantage of and my disputes are being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: SC

Complaint narrative:
I visited an XXXX XXXX XXXX on XX/XX/XXXX and order a XXXX  that was supposed to be delivered XXXX XXXX. It was not delievered. I reached out to XXXX XXXX XXXX and they advised that I needed to reach out to my bank in order to get the refund because the shipper was unable to validate who picked up the XXXX  or where the XXXX  was located. I submitted a dispute with Chime and explained this to them .. Chime then denied the claim and said that MERCHANT CONFIRMED THAT THE TRANSACTION WAS MADE AT THE PHYSICAL LOCATION. However, I NEVER said that I did not purchase the item. I said I never got the item, I never picked it up. It was NEVER SHIPPED TO ME!!! 

I went into the store, purchased it and it was supposed to be shipped to me. Never was. The item that was purchased was a car XXXX. Which can NOT be brought in a store. Which means that the customer never left the store with the item. For Chimes records I have attached a copy of the conversation with a XXXX XXXX XXXX Agent to confirm this information. Again, I need this claim re-opened and corrected. I ALSO HAVE ATTACHED THE COPY OF THE LETTER FROM XXXX XXXX XXXX Merchant verification or validation Merchant confirmed that the transaction was made at the physical store to justify the member provided an original receipt that confirmed the member received the item and service upon leaving the store merchant also breakdown the member charges. Compelling documents. If you wish to continue to dispute pls contact directly the merchant. 

HOW CAN A PERSON LEAVE A STORE WITH A XXXX PLUS POUND OF XXXX? 

WHEN THIS IS ALL SETTLED I WANT THIS CHIME ACCOUNT CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 180 days and 3 dispute letters to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

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 2021-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom it may concern : My name is XXXX XXXX, and I have been with Capital One Bank NA, for fours. I had some problems during the ending of XXXX, and beginning of XXXX, with being late due to XXXX. I have contact Capital One bank and have asked them to work with me on removing the late payments because they are affecting my credit. As you can see since then I have never been late on this account before in the past or previously. Please help me with this matter, I had perfect credit before XXXX and would like your help on getting it back into good standards. Thank you for all your help with this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: NE

Complaint narrative:
The company first advantage says I lived at an address for only one month. Says XX/XX/XXXX to XX/XX/XXXX. I lived there from XX/XX/XXXX to XX/XX/XXXX. I currently have a lawsuit against this rental company, XXXX, and I believe they are purposefully submitting false information. I am submitting this for myself. I also live in the same address currently that I lived in XXXX  rental properties ago and it failed to list it. This report says I last had a residence XX/XX/XXXX and this is just not true. I have been on a lease, save for one months time in a XXXX, since XXXX. And in XXXX it was the same address I live in currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit score decreased by 67 points. I reviewed my credit reports with Experian and XXXX  ( XXXX  said I already received my free report for the year ), and I dont have any recent late payments. My credit score dipped over 100 points a few years ago from a late payment, and it took me three years to recover and increase my score up to XXXX. Now my score decreased by 67 points in the span of one month. I dont have any new missed payments and my credit utilization is low. I would like an explanation as to why it has decreased so drastically. Is my old missed payment being counted against me a second time? IIm hoping its an administrative error, but would like clarification. I cant think of another reason my score would drop so significant in a short amount of time.

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 2021-08-24 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: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
Today has called me 4 times alone. Called the number back and the person who answered immediately aggressively asked me to validate my last 4 of social, birthdate and other identity fraud worthy content which he rattled off to me. Asked who he was and he said Nationwide. Informed him I do not have this insurance l, assuming that was who it was. Only after this was told the company name but all the representative seemed to want to do was validate my personal info above. I had previously blocked the number on my cell phone but the number keeps coming through, so due to all this asked them to not call again and send something in writing.. Got yet another call from same number an hour later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: OK

Complaint narrative:
I have tried, unsuccessfully, for many years to get all three credit bureaus, Equifax, XXXX  and XXXX XXXX to eliminate false/fraudulent information off my credit report. I even paid lawyers to try to help, see attached. They stonewall, refuse to respond or simply will not remove the false information. They are paid by the companies, so they just keep it on, KNOWING it is fake, KNOWING they can not produce and legal documents showing the fake accounts are mine. I have tried in XX/XX/XXXX, XXXX and XX/XX/XXXX, again in XXXX of XXXX. Then in XXXX of XXXX and XXXX of XXXX. No matter how many letters i write, demands via attorney, proof I was hacked as part of a XXXX data breach, they will NOT remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have tried, unsuccessfully, for many years to get all three credit bureaus, XXXX, Experian and XXXX XXXX to eliminate false/fraudulent information off my credit report. I even paid lawyers to try to help, see attached. They stonewall, refuse to respond or simply will not remove the false information. They are paid by the companies, so they just keep it on, KNOWING it is fake, KNOWING they can not produce and legal documents showing the fake accounts are mine. I have tried in XX/XX/XXXX, XXXX and XX/XX/XXXX, again in XXXX of XXXX. Then in XXXX of XXXX and XXXX of XXXX. No matter how many letters i write, demands via attorney, proof I was hacked as part of a XXXX data breach, they will NOT remove the false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent a violation letter to Portfolio Recovery Associates on XXXX for them to take action because they are in violation of my consumer rights through the FCRA and FDCPA. They responded on the XXXX of XXXX with a letter through them mail saying they would have this account deleted. They should have never reported the account in the first place. They knowingly and willfully violated my natural person and consumer rights and through their violations I am owed compensation by federal law. They have harassed me over and over and over again and it will not be tolerated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2021 BMO Harris Bank has CD policy that auto-renews the term without providing notice to the customer. The funds are then locked in for another year automatically.

When asked about this they say there is a 10day grace period from the day the CD matures to withdraw your funds without a penalty.

This is essentially restricting access to your funds - without your consent.

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 2021-08-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had {$2300.00} worth of fraudulent charges made on my credit card over XXXX charges across the period of XX/XX/2021 - XX/XX/2021. This was on the credit card number XXXX XXXX XXXX XXXX. 

I have attached a document with a table that outlines every fraudulent charge, and evidence as to why this was not my charge. 

I have been on an incredibly frustrating journey with Bank of America ( starting XX/XX/XXXX ). I have provided as much evidence as I can muster - calling vendors, documenting each charge with evidence showing I did not make the charge, filing a police report, and calling the Bank of America to confirm at each step that the bank has been receiving my evidence to support the claim ( bi-weekly now for 4 months ). 

The claim has been denied now 5 times with no information provided to me as to why. I have confirmed every charge was fraud, and provided line-by-line documentation with evidence ( for example, one charge was {$300.00} to a XXXX site never visited by me ; another was a {$700.00} XXXX charge that was not sent to my address and was not listed on my XXXX account ). 

I have filed a police report, faxed a 17-page document of evidence, and called weekly for to check status and ask if there is further clarification I can provide. I have called vendors myself to receive evidence that these charges were not me. And, have spent hours defending my case. 

Amongst all of this, the bank took away the credit from the charge in the first 2 weeks of the claim being open ( as they quickly, and wrongly, denied and closed the case ). They then asked that I pay the chargers otherwise would be charged overdraft fees and a receive a hit to my credit score. Ultimately, I was threatened to pay these charges ( that were not authorized by me ) or would have repercussions. I paid the charges, and now I am without the money, and the bank has theirs, so no one is helping me. 

I have missed hours of work, missed out on investment opportunities to spend my rightfully earned money, all because the bank has continued this investigation and wrongly denied it now for 4 months. 

I have had XXXX XXXX XXXX of dollars of interactions with this bank, have never missed a payment, yet am being treated as a fraud criminal. 

I have no other avenue within the bank to escalate and process this fraud to see the money that was stolen from me rightly returned.

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 2021-08-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to get these fraudulent accounts off my credit for some time now. In XXXX I sent in a mail document to get these fraudelent account off but i still havent heard back. Its been well over 60 days now. I called the credit bureaus to figure out whats going on and they told me that there was an error on my FTC report that i needed to date the account. This doesnt make any sense to me at all. Also, I have a few unauthorized credit inquires on my credit profile. I did not authorized noone to check my credit report. I have never done business with this company. I have attached the updated FTC report along with my Drivers license

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