vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is an inquiry on my Equifax credit report posted in XX/XX/2020. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to XXXX  XXXX and Equifax and with no help have had no luck. They havent provided any information to me in regards to how to further contact them. Their number listed on my credit report reads XXXX XXXX XXXX XXXX. I have no way of further contacting them and have reached out to Equifax about this not being me that attempted to establish a line of credit with this company. Equifax has refused to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX   XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$230.00} XXXX  XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX  XXXX XXXX {$550.00} XXXX  XXXX XXXX XXXX XXXX {$170000.00} XXXX  XXXX XXXX {$6900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$31000.00} XXXX   XXXX XXXX {$500.00} XXXX  XXXX  XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$7100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX   XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX   XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$170000.00} XXXX XXXX XXXX {$6900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$31000.00} XXXXL XXXX XXXX {$500.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$7100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2019, I opened a savings account with Bank of America. I did so after seeing an advertisement on the BOA website where I view my credit card information. After taking advantage of the bonus offer, meeting all requirements, BOA decided I shouldn't have seen the banner as I wasn't targeted. Their " mistake '', or as I call it, bait and switch, resulted in me losing higher interest and the bonus even though I received confirmation that I enrolled in the offer. It is convenient that they can advertise an offer to everyone and then never follow through. 

Here are the terms I met. attached is a confirmation I received for enrolling. 

( 1 ) Enroll in the offer by XX/XX/2019 requesting enrollment from a Bank of America associate or by clicking the enrollment link in a direct email communication. 

Next, complete the following steps within 30 days of enrolling : ( 2 )  Open or maintain an eligible savings account ( Certificates of Deposit ( CDs ), Individual Retirement Accounts ( IRAs ), and Minor/Student savings accounts are not eligible for this offer ) ; and ( 3 ) Make deposits of new money ( each is a " Qualifying Deposit '' ) totaling at least {$10000.00} directly into the eligible savings account. " New money '' is money not currently or previously held in any account at Bank of America or Merrill. 

Finally, for 90 days following enrollment in the offer ( the " Maintenance Period '' ) : ( 4 ) Maintain the Qualifying Deposit ( s ) in  the eligible savings account. 

If all requirements listed above are satisfied, Qualifying Deposits totaling $ XXXX {$19000.00} will be eligible for a {$150.00} bonus, $ XXXX {$49000.00} will be eligible for a {$200.00} bonus, $ XXXX {$99000.00} will be eligible for a {$300.00} bonus, and {$100000.00} or more will be eligible for a {$500.00} bonus. Your Bank of America eligible savings account must be open and in good standing up to and including the date the bonus is paid in order to receive the bonus. If you meet the requirements for the bonus, we will attempt to deposit the bonus directly into the eligible savings account within sixty ( 60 ) days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX   XXXX  Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so. 

For EXPERIAN 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so. 

For XXXX 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX is closed on my XXXX and XXXX report, but Experian keep the account open Due to XXXX XXXX lies! My husband passed away and they took the car before hand in.. I live on SS and from the state raising a child. He died with no life insurance, he had nothing. Each credit report shows different collection, then the other.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: TN

Complaint narrative:
I was a victim of the XXXX Data Breech and my personal information was compromised. 
There were two accounts reported on my credit report - one from XXXX XXXX and the other from XXXX XXXX that were opened as a result of identity theft. I had notified both companies and sent them police report and FTC Fraud report number and asked them to delete the information. They have not. 

I contacted all three credit reporting agencies - Experian, XXXX   and XXXX and provided them the police report details as well as the FTC report. They have not deleted those off my credit report as of now. I filed the identity theft report with the credit bureaus in XXXX towards the end. 30 days have passed and Experian is saying that the debt can not be removed because it is valid. Of course, it would appear to be valid if my identity was compromised. I did not open those two accounts. The Federal Trade Commission has advised me to file a complaint with the FCFB. As of this moment, I have heard from Experian but have not heard from XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a statement about my savings account, opened as a student savings account, from Chase by mail in XX/XX/2020. I visited Chase Bank ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) to make a withdrawal and a banker told me the original custodian of the account, my mother, would need to be present for them to perform my requested action. 

My mother and I visited Chase Bank ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) on XX/XX/2020 to make a withdrawal from my savings account, and a banker told us to call Chases customer service number to reactivate the dormant account. On the same day, we visited a different Chase Bank ( XXXX XXXX XXXX, XXXX, TX XXXX ) for a second opinion, and the representative told us the same thing : call customer service to reactivate the dormant student account ; only after doing that, they could make the requested withdrawal. 

I called Chase customer services personal banking support on XX/XX/2020 to reactivate my dormant account and the representative redirected me to their loss prevention department. I requested the loss prevention representative reactivate the dormant account and he told me that I would have to go to a Chase branch. I told him I had already visited Chase and he said that is the only option I have. I asked him if there was any way to escalate the situation because theres an issue : the bank told me to call customer service and customer service told me to call the bank, and he once again referred me to a Chase branch after acknowledging my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am in the process of purchasing a home and made payment of {$5100.00} on XX/XX/XXXX to my Citibank Credit Card of over 10 years with a limit of {$8500.00}. On XX/XX/XXXX my credit limit was decreased to {$2400.00} and was reported to all credit bureaus as a limit decrease and as being over limit at 101 % utilization with no reporting of the large amount I paid. On XX/XX/XXXX I made an additional payment of {$1700.00} and paid the remaining balance of {$720.00} on XX/XX/XXXX. As of today neither of the additional payments have been reported to the credit bureaus further tarnishing my mortgage approval. I called Citibank on XX/XX/XXXX to come to find out if any limit increase or updating reporting was possible and the only solution was to register my complaint which may or may not result in a letter to my address. I've never missed a payment and have been loyal to Citibank and no one cared to help me in any way. I was negatively reported to all bureaus within 72 hours, yet positive reporting is not handled with the same sense of  urgency at all. It is completely unfair that Citibank doe not handle reporting measures equally and does not even care to assist. All I want is for my payments and {$0.00} balance to be reported with the same urgency of any derogatory reportings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: KY

Complaint narrative:
I have disputed information with Equifax on 3 separate occasions and have not been given any proof of verified information other than a message saying " information has been verified as accurate ''. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. The accounts that have been disputed are as follows : 1 ) XXXX XXXX act # XXXX 2 ) XXXX XXXX act # XXXX XXXX 3 ) XXXX XXXX XXXX # XXXX XXXX 4 ) XXXX XXXX act # XXXX XXXX 5 ) XXXX XXXX XXXX # XXXX XXXX Initial formal dispute was sent via certified mail on XX/XX/XXXX ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 2nd formal dispute was sent via certified mail on XX/XX/XXXX ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 3rd formal dispute was sent via certified mail on XX/XX/XXXX ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 3rd dispute letter that was sent ) I have NOT been provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature  on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Equifax has done nothing more than " update '' information that is not/has not been proven to be mine or valid, or " verified '' that the information is correct. I have also enclosed a letter from 1 of the alleged creditors showing that they did not even open an investigation on 2 of the 3 disputes. Therefore, there is NO POSSIBLE WAY that Equifax appropriately " updated '' or " verified '' the information they are reporting on my credit report. 
Several of the aforementioned accounts have already been removed from the other credit reporting bureaus for an inability to verify the validity and provide the legally required documentation for support as required by law. Further supporting my claims that XXXX is falsifying to me that the information has been " verified '' as it is legally required by law that the creditor agency share the exact same information with all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dear sir / madam, In XXXX this year, I opened a PayPal Mastercard account with Synchrony Bank. This resulted in a " hard '' check to my credit report, after which the card was approved. 

However, when I received the actual card, I could not activate it because of some technical glitch with the confirmation message system on Synchrony 's side. I received no further communication from Synchrony bank whatsoever. Due to the COVID pandemic, I was not able to follow up with the bank immediately. 

Subsequently I received a letter, dated XX/XX/XXXX, informing me that the account has been closed due to " restriction for suspected unauthorized use [ and ] subsequent inactivity in this account. '' No attempt was made by Synchrony bank to notify me of the upcoming closure. There were no charges on the account and the account was not delinquent. 

When I attempted to contact Synchrony directly to reopen the account, I was informed that it could not be reopened without a further credit check and is deemed " high risk ''. No reasons for deeming it " high risk '' were provided ( for context, I have excellent credit ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
I have tried to get the company to stop reporting incorrect information. They aren't responding to my correspondence and I want to deal with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: TN

Complaint narrative:
I was a victim of the XXXX Data Breech and my personal information was compromised. 
There were two accounts reported on my credit report - one from XXXX XXXX and the other from XXXX XXXX that were opened as a result of identity theft. I had notified both companies and sent them police report and FTC Fraud report number and asked them to delete the information. They have not. 

I contacted all three credit reporting agencies - XXXX XXXX   and Transunion and provided them the police report details as well as the FTC report. They have not deleted those off my credit report as of now. I filed the identity theft report with the credit bureaus in XXXX towards the end. 30 days have passed and XXXX is saying that the debt can not be removed because it is valid. Of course, it would appear to be valid if my identity was compromised. I did not open those two accounts. The Federal Trade Commission has advised me to file a complaint with the FCFB. As of this moment, I have heard from XXXX but have not heard from Transunion and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: TN

Complaint narrative:
I was a victim of the Equifax Data Breech and my personal information was compromised. 
There were two accounts reported on my credit report - one from XXXX XXXX  and the other from XXXX XXXX that were opened as a result of identity theft. I had notified both companies and sent them police report and FTC Fraud report number and asked them to delete the information. They have not. 

I contacted all three credit reporting agencies - XXXX, Equifax and XXXX and provided them the police report details as well as the FTC report. They have not deleted those off my credit report as of now. I filed the identity theft report with the credit bureaus in XXXX towards the end. 30 days have passed and XXXX is saying that the debt can not be removed because it is valid. Of course, it would appear to be valid if my identity was compromised. I did not open those two accounts. The Federal Trade Commission has advised me to file a complaint with the FCFB. As of this moment, I have heard from XXXX but have not heard from XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: PR

Complaint narrative:
I have tried several times to informed them that the XXXX and the XXXX credit reports information of creditor XXXX XXXX XXXX is wrongly showing an account opened on XX/XX/2013 with a balance of {$3400.00}. This credit report information do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
There is an inquiry on my XXXX  credit report posted in XX/XX/2020. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to XXXX XXXX and XXXX   and with no help have had no luck. They havent provided any information to me in regards to how to further contact them. Their number listed on my credit report reads XXXX XXXX XXXX XXXX. I have no way of further contacting them and have reached out to XXXX about this not being me that attempted to establish a line of credit with this company. XXXX   has refused to do anything.

Company response to consumer: Closed with non-monetary relief