vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX refuses to remove the information on credit reports!! if not ill sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: PA

Complaint narrative:
XXXX XXXX refuses to remove the information on credit reports!! if not ill sue!

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 2021-01-13 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: PA

Complaint narrative:
XXXX XXXX refuses to remove negative item even though a settlement if this isnt removed. Ill sue them!

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 2021-01-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX refuses to remove negative item even though a settlement if this isnt removed. Ill sue them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit Acceptance refuses to remove negative item even though a settlement if this isnt removed. Ill sue them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$1100.00} - This account has the wrong balance. Please remove this account because inaccurate information is being reported. 

XXXX XXXX XXXX XXXX Balance {$0.00} - This account has been sold to another agency and you are past the legal time allowed to be reported to this account. Delete this account as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$110.00} - Account unknown please remove. 

XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} - Reporting unknown which means it's incomplete, please delete. 

XXXX XXXX XXXX XXXX Balance : {$3200.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. Please remove this account. 

XXXX  XXXX XXXX, XXXX XXXX Balance : {$1300.00} -This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance {$1400.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove. 

XXXX XXXX XXXX XXXX Balance {$610.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.

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 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$5200.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.

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 2021-01-13 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: PA

Complaint narrative:
XXXX XXXX refuses to remove negative item even though a settlement if this isnt removed. Ill sue them!

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 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My entire wallet was stolen and I have submitted several FTC Affidavits and also a police report to Equifax for the same account over and over. The Account is XXXX. 
Equifax Removed the account on XX/XX/XXXX and then added it back. I disputed it again and they removed it again between XXXX XXXX. Equifax keeps taking the account off and then placing it back on. There is a reinsertion law that the credit bureau needs to abide by I never received a notice five days prior of the account being reinserted and I demand that this account be deleted permanently. This is a direct violation of the FCRA and a direct violation of the Reinsertion Law. Equifax has taken the account off several times and keeps taking it off and placing it back on. This effecting my life and emotional wellbeing. 

Equifax is also including the accounts utilization in my score. This account is a closed revolving account the balance should not be hurting my utilization as a CLOSED account. closed. Please Enforce The Reinsertion Law at the Bare Minimum and make them Permanently DELETE THIS unauthorized ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX balance {$1100.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  XXXX balance {$2400.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX/XXXX XXXX Balance {$1300.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX/XXXX XXXX Balance {$1400.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} - Delinquencies and Late payments after closed accounts, please delete this account.

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 2021-01-13 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've reached out to contact you about the late payments on my capital one credit card. I do not recall making any late payments. Please send me the information you have on file for me validating the many late payments on my credit report. This information needs to include, the statement backing to when the account was open, the address on file for this account, the person on file for this account, and contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: DISCOVER BANK
State: AZ

Complaint narrative:
This is the fourth attempt I have sent more than enough supporting documents to have these 3 accounts removed from my credit report. i have reported these fraudulent accounts to the federal trade commission which in fact is a federal law enforcement agency. i am attaching all my supporting documents to support my request. such as NOTARIZED FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT. REPORT NUMBER XXXX A POLICE REPORT FROM MY LOCAL POLICE DEPARTMENT AND MY STATE ID AND CURRENT UTILITY BILL THAT VERIFY WHO I AM. I AM ALSO INCLUDING THE LAWS WHICH FURNISHER NEED TO FOLLOW UPON A IDENTITY THEFT CLAIM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This is the fourth attempt I have sent more than enough supporting documents to have these 3 accounts removed from my credit report. i have reported these fraudulent accounts to the federal trade commission which in fact is a federal law enforcement agency. i am attaching all my supporting documents to support my request. such as NOTARIZED FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT. REPORT NUMBER XXXX A POLICE REPORT FROM MY LOCAL POLICE DEPARTMENT AND MY STATE ID AND CURRENT UTILITY BILL THAT VERIFY WHO I AM. I AM ALSO INCLUDING THE LAWS WHICH FURNISHER NEED TO FOLLOW UPON A IDENTITY THEFT CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Balance : {$3200.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. Please remove this account. 

XXXX XXXX XXXX, XXXX XXXX Balance : {$1300.00} XXXX account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance {$1400.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove. 

XXXX XXXX XXXX XXXX Balance {$610.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX, I paid via XXXX a refundable deposit at a car dealership from my Chime account. Provided that I didnt get a car, my deposit was supposed to be returned. After days of not getting my deposit back from the dealership, I opened up a claim via XXXX. While waiting on XXXX to investigate, I also contacted Chime support to file a chargeback. Chime quickly responded with a form to fill out. Around that time, XXXX responded to me about my claim which they escalated. Because I didnt want to cause any confusion, I didnt fill out Chimes chargeback form because XXXX had already escalated my claim. Weeks later, I received a random email from Chime stating that they gave me a {$500.00} provisional credit while they would investigate. Although a nice gesture, it was confusing because I didnt fill out the required form to do the chargeback since XXXX ruled in my favor a day before Chime gave me the {$500.00} credit. This is where the issues start. XXXX issued a refund on XX/XX/XXXX. Chime provided a credit on XX/XX/XXXX. I saw my balance reflect a {$500.00} increase. The same day Chime provided the {$500.00} credit, they literally took the credit back the same day, decreasing my balance by {$500.00}. It was almost as if they gave me the credit for an hour, then snatched it back. Thats not really the issue since I knew XXXX initiated the refund on XX/XX/XXXX, so I knew I would be getting my {$500.00} back. Or so I thought. Days went by and my balance remained the same before the credit/would-be refund from XXXX. Alarmed, I reached out to Chimes support. One agent said that he saw XXXX initiate the refund on the XXXX and that it would be reflected by the XXXX of XXXX at the latest. That never happened. Ive reached out to Chime several times, each time, I got an agent that repeated the same script. No one really tried to assist me. Ive had two agents claim that they sent my issue to the dispute department yet no one has contacted me. Ive reached out several times to no avail, while checking my account to see if I received my refund. No! Basically, Chime never gave me the refund XXXX sent to my Chime account. Chime gave me a provisional credit for hours then snatched it back, before I could even use it. This is unfair to have them hold on to the {$500.00} that XXXX returned to me. I can understand taking their {$500.00} back if they knew I would be getting {$500.00} from XXXX. What I dont understand is how they took their credit back yet never posted my actual refund. Its almost as if my XXXX refund went to Chime ONLY. Chimes only job was to give my refund to ME. Instead, theyre holding on to my money, refusing to rectify this by simply paying me what is owed to me. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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:
XX/XX/2020 - I bought a game console for XXXX on XX/XX/2020 from XXXX. I used a credit card with XXXX. 
XX/XX/2020 - XXXX XXXX says " Delivery completed, '' contacted XXXX, and confirmed the sender shipment to other locations. 
Also, I tried to contact the seller, Not answering my call from the seller. so I applied for fraud on my credit card, XXXX, XXXX XX/XX/2020 - The Present, XXXX says the package has been returned to XXXX, and XXXX and XXXX didn't help. XXXX  does not open information on fraud and does not change my shipping information. The credit card company says it can't give you a refund because it comes out " delivered ''. Requesting XXXX  to change the Shipping detail, but didn't. XXXX Said contact XXXX. I under his jurisdiction to contact XXXX So I contacted XXXX and they said they couldn't change it because the tracking number had arrived properly. 
The same city sent packages to different addresses. And returned back the package went to the sender. I've never seen such a case before. I sent a message to the seller continuously and contacted XXXX. XXXX said sellers send a package to XXXX, XXXX XXXX CA XXXX. But my address is XXXX, XXXX XXXX CA XXXX. That is a different address. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I explained this fact, but I received a letter saying that it was settled by closing the case without refunding it. I called several times to Bank of America for an appeal of my case, they said just wait.

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 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Balance {$3100.00} I have tried numerous times to get this account verified and Portfolio has not provided me with sufficient information to verify this account balance is correct, if the have the right to own it or if they in fact the debt is even mine. 

Date opened on XXXX  shows XX/XX/XXXX but XXXX  and XXXX  show XX/XX/XXXX. Account number is XXXX on XXXX  but on XXXX  and XXXX  show XXXX. Date of last payment shows XX/XX/XXXX on XXXX  but Portfolio sends me a statement showing a date of XX/XX/XXXX. 

Notices sent to Portfolio on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX and Portfolio has ignored my request for the proper information to validate this debt. 

My request have also been asked to the following credit bureaus XXXX, XXXX  and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and yet the information still has many inconsistencies being reported This is unacceptable how can I verify the information if they have not given me a date of first delinquency or even know how the balance they are requesting is the right amount just by a bill that was sent to me.

Bill statements given is as follows XX/XX/XXXX balance {$1600.00} ( paid {$27.00} on XX/XX/XXXX ) XX/XX/XXXX balance {$2000.00} ( paid {$39.00} on XX/XX/XXXX ) XX/XX/XXXX balance {$2100.00} ( paid {$64.00} on XX/XX/XXXX ) - XX/XX/XXXX balance {$2300.00} ( paid {$75.00} on XX/XX/XXXX ) - no statements given for the following XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX balance {$3000.00} ( paid XXXX  ) XX/XX/XXXX balance {$3100.00} ( paid XXXX  ) There is no signed agreement or bill of sale given between the creditor they state they got bought this account from. 

Where is the copy of the Original Debt Notification Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
Again yet another lie and theft from this company and yet they are allowed to do what they want. There was no credit posted to the account on XX/XX/2020 for them to take away, so they just took money that wasn't there.

" Today the provisional credit in the amount of {$1400.00} which was issued on XX/XX/2020 was reversed from your card. '' THERE WAS NO PROVISIONAL CREDIT ISSUED TO MY CARD ON XX/XX/2020!!! I uploaded the statement and the letter from them and took their advice finally, I contacted the police and filed a theft complaint, against them.

Company response to consumer: Closed with explanation