vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 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 — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
Well I applied for XXXX XXXX  ( a night job ) and they did a background check and something came up and with that job I dont see how that was a issue and now I want to dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  - XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX  Balance {$250.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX & Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$960.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$600.00} Opened Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: NJ

Complaint narrative:
I received a call from XXXX for an application i did not initiate for credit. This prompted me to check my credit upon doing so I discovered an inquiry from Comenity for a XXXX credit card. I called on XX/XX/XXXX and spoke to XXXX she refused to help. Today XX/XX/XXXX I received a letter from Comenity see attached, again i call and tell them this fraud they refuse to help me. They want me to confirm my social and date of birth when these are clearly the missing pieces and if i provide this will complete the fraud. They refuse to help even though i am giving them app number off if their letter and am telling them its fraud. I did not initiate this app please cancel and withdraw inquiry from credit bureaus. What does someone have to do to get a bank to listen that an application is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 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: AL

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX & XXXX XXXX Last verified, date of last activity, date opened, closed date are all reporting incorrectly. I also know that XXXX uses deceptive practices and I feel as if this is one of those cases. 

Equifax- Is reporting a debt that I have no way of knowing what it is because they do not show a creditor. This must be deleted, how is this affecting my credit but I have no way of knowing who its from!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I disputed a charge from XXXX XXXX for the amount of {$80.00} from the same day XX/XX/2021 I stayed at the XXXX XXXX because I did not stay at XXXX XXXX Chime ( XXXX  XXXX  ) denied the claim when there is no way I could have stayed at two different locations within the same day. XXXX employee told me upon arrival they did not have any rooms available so I told him to cancel the room he did not and they collected funds out my account for a stay that did not happen I paid {$100.00} at XXXX XXXX  and that is where I stayed and not the XXXX the charges was presented on the same day minutes apart. chime and XXXX is refusing to refund my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: NJ

Complaint narrative:
I received a call from XXXX for an application i did not initiate for credit. This prompted me to check my credit upon doing so I discovered an inquiry from XXXX for a XXXX credit card. I called on XX/XX/XXXX and spoke to XXXX she refused to help. Today XX/XX/XXXX I received a letter from XXXX see attached, again i call and tell them this fraud they refuse to help me. They want me to confirm my social and date of birth when these are clearly the missing pieces and if i provide this will complete the fraud. They refuse to help even though i am giving them app number off if their letter and am telling them its fraud. I did not initiate this app please cancel and withdraw inquiry from credit bureaus. What does someone have to do to get a bank to listen that an application is fraud

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 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My credit report is showing a late payment from XXXX of 2018. At the time I didn't think much of it but now my credit score is being heavily affected by it in spite of my otherwise excellent track record.

At the time I never received any correspondence from Well Fargo that a payment was late until it had already been over 30 days past due. I remember making the minimum payment as soon as I noticed the balance, but the blemish still remains on my credit report. I have asked WF a few times to fix it but they haven't, so it still shows up as a delinquency. 

I've attached images of bank statement emails from XXXX and XXXX of that year, and it's clear that the minimum payment went back to the normal ( {$58.00} ) in XX/XX/2018, indicating I paid what was overdue. I would include statements, but those are unfortunately no longer available from the website. 

I have been a long-time client of Wells Fargo and this is the only blemish on an otherwise perfect track record.

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 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This is XXXX XXXX. my phone number is XXXX. On XX/XX/XXXX, I got email saying my credite score decreased XXXX  points. I checked and found out XXXX send XXXX dollars debt to Credit Collection Serv. Actully this was not my debt. I divorced in XXXX, XXXX and I moved XXXX GA in XXXX, XXXX. I Started my Car insurance from XX/XX/XXXX in XXXX XXXX. 

But I got the phone call from XXXX in XXXX XXXX. I told them I had my car Insurance in XXXX XXXX  and I sent the statments of my car in XXXX XXXX to them. It was my exhusband '' s car Insurance. I gave the XXXX my exhusband phone number and i still called my exhusband about XXXXdollars debt. Then i did not pay any attention on this because it was not my Insurance. 

After I figured out the debt. I Just paid off on XX/XX/XXXX because I want to make my credit score back. They told me they will connect the credit comanies to repair my credit scrore back. they told me it takes 14-30 days to fix back. After XX/XX/XXXX, I did not see anything change about my credit. I called the credit collection company. -- CREDIT COLLECTION SERV. on the phone. They said it shew I paid off the the debt. and asked me to call Credit companies. I did, they told me call XXXX. I did too. but XXXX said there is not debt there. They don't do anything. I confused, I need help. I appreciate if you can help me. Thank you. Attached my car insurance in XXXX XXXX. ( XXXX asked me show my car insurance after XX/XX/XXXX )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have file a dispute in regards to my credit concerns with the bureaus and companies.. It has been well over 30 days and I haven't received any results..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: TX

Complaint narrative:
I had late payments on my account from XX/XX/2019 to XX/XX/2019. I did a modification which started XX/XX/2019. I was told no late payment would be reported. I have tried very hard to work with XXXX XXXX and the credit bureaus. I have gotten nowhere. I am looking for someone to assist me with getting this resolved.

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 2021-10-25 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: TX

Complaint narrative:
I had late payments on my account from XX/XX/2019 to XX/XX/2019. I did a modification which started XX/XX/2019. I was told no late payment would be reported. I have tried very hard to work with XXXX XXXX and the credit bureaus. I have gotten nowhere. I am looking for someone to assist me with getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: WA

Complaint narrative:
I have been disputing an XXXX account reporting on my credit since XX/XX/2020 and it has not been properly validated. 

Another issue is that they are reporting a charge off status past the charge off date which is a clear FDCPA/ FCRA law violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
I have sent multiple letters to XXXX, XXXX and XXXX asking for verfication of a Public Record as incorrect information is listed. I have been requesting this since at a minimum of XX/XX/2021. The responses I get send me in Circles. They ALL say it was verified through lexisNexis and then LexisNexis either responds they are unable to process it or that they are reaching out to the credit bureaus whom say that they verified it with LexisNexis. I also reached out to my court house to see if maybe they reported incorrect information which would make sense that the information is incorrect. But they resonded that they have no affiliation or communication wiht any credit bureau. But it is a public record so someone may have mixed and merged my information when they were obtaining the public information from PACER. It was explained to me that all information on my credit report needs to be true and accurate across the board and the only way to do that is to obtain it from the original source. If they original source does not communicate with credit bureaus how is this Legal? I am at wit ends as I hae made multiple attempts to get this resolved and just get send around in circles when LexisNexis is housing the incorrect infoamion and sharing it amongst at a minimum XXXX, XXXX and XXXX and possibly any of the other 3rd party bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) did not have permissible permission to access my credit report on XX/XX/2017. I have complained and requested copy of the permissible permission for 4 1/2 years. Attached is the latest reply I received from XXXX requesting my account number while they reflect the account number on the top of the letter. XXXX didn't have my permission which is evident and they sold to a thief using my name. I called XXXX trying to reason but again was a waste 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 2021-10-25 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have file a dispute in regards to my credit concerns with the bureaus and companies.. It has been well over 30 days and I haven't received any results..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
My mortgage company failed to pay my property taxes and have incurred late fees.

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 2021-10-25 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Pursuant to 12 CFR 1006.30 a debt collector may not furnish information regarding a debt to a credit reporting agency without consumer 's consent. However, in addition to consistently furnishing information regarding this alleged debt, on XX/XX/XXXX ALLY FINANCIAL reported a late payment in my name to XXXX ( see attached ). 

Also, on XX/XX/XXXX I requested that this alleged debt be validated by ALLY FINANCIAL. Note that under FDCPA Section 809 ( b ), ALLY is not allowed to pursue collection activity until this alleged debt is validated. Be advised that in Boatley v. Diem Corporation, No. Civ 03-0762 ( D.C. Ariz. 2004 ), the court ruled that reporting a collection account is, indeed, considered collection activity.

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 2021-10-25 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: NY

Complaint narrative:
I have contacted XXXX XX/XX/2021 Via certified mail with return receipt for them to validate the debt, along with proof of my identification.Till this day they have not removed or validated the debt which means the inaccurate errors need to be removed immediately. I must be compensated for these violations.

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 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
For some reason, I was unable to log in with my password and tried to reset the password, but when I try to continue with the 2-step verification, another phone number appears that does not belong to me. It seems that my password and other information have been changed, also I tried to contact them in customer service where they told me that my account had no money and to proceed to delete it and create another, not being able to recover the amount of {$1200.00} this was on Saturday XXXX around from XXXX XXXX  thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/XXXX, I received an email from Barclay 's titled " ( My name ), earn additional miles this summer ''.

The text stated : " Earn more this summer! Use your Barclaycard XXXX XXXX Mastercard to earn an additional XXXX miles for every {$1.00} spent on grocery store, drug store and restaurant purchases, up to XXXX miles, from XX/XX/XXXX to XXXX1 Plus earn an additional XXXX miles if you spend at least {$3000.00} on purchases from XX/XX/XXXX to XXXX.1 Remember, this is in addition to the miles you already earn with your Barclaycard XXXX  XXXX Mastercard . 

... 

All miles earned from this promotion will appear on your statement 6-8 weeks after the end of the promotion. '' On XX/XX/XXXX, I made a purchase for {$3500.00} clearly over the {$3000.00} purchases required. I paid this balance off on XX/XX/XXXX. 

So now I have met the requirement for the XXXX points but I had to wait 8 weeks after the XXXX to actually receive my points. 

I waited 7 and a half weeks and DID NOT receive my points. I called Barclay 's making sure that I had met the requirement and should be receiving the points. The call center employee confirmed that I met the requirements but since there were 2 days left until the end of the 8 weeks that I should wait and call again. 

It is now XX/XX/XXXX weeks after the expiration of this offer and I have yet to receive my points. 

I called today and they said that they have opened a case and that it will take up to XXXX billing cycles to investigate the case and give me my points. I intended to use these points for a trip in XXXX but now these points XXXX not be even rewarded by then. 

This process is incredibly broken and when consumers activate a promotional offer, they should be given the points without hassle.

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