vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Under the terms of my credit card, a minimum payment was due due on the XXXX of each month. I arranged for a payment on XXXX XX/XX/2020, satisfying this requirement. On XXXX XX/XX/2020, I made a second payment ( well above the minimum payment due ) to the account, as I was unsure of whether I would be able to make a payment on or about XXXX XXXX. Thus, I made an early payment for the bill due on XXXX XXXX. When I attempted to use my card on XXXX XX/XX/2020 for a purchase, I learned it was declined. Upon logging in to my account on XXXX XXXX, I learned that I was considered delinquent for not paying my bill on XXXX XXXX, and further a USD {$29.00} " late fee '' was assessed. I contacted Citibank Mastercard to dispute this fee. I spoke with an individual representative ( who sounded to be operating from an overseas call center in XXXX XXXX and explained this dispute. She attempted to resolve the issue, but then indicated that only her supervisor could resolve it. When I spoke to her supervisor, I indicated that this fee was not lawful and that I would be seeking remedies under U.S. Fair Credit Reporting and Consumer Protection Laws unless Citibank resolved the issue. At that point, the supervisor terminated the call.

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 2020-09-25 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: PA

Complaint narrative:
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please remove account which does not below to me or any transaction made by me.

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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting Incorrect historical data for myself which I have reported on XX/XX/2020, Second follow up on XX/XX/2020. Equifax FAILED to update the correct information on my credit report. Equifax violated federal law, and FCRA. 

EQUIFAX, reports incorrect addresses that I NEVER LIVED OR BEEN ASSOCIATED WITH, and names that do not belong to me. ( PLEASE SEE ATTACHED )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information was involved in the XXXX  Breach and I found a lot of things on my account that was not accurate / I disputed the accounts and they were deleted from one of the credit bureaus only / I noticed that the information was still on my credit report and sent documentation to all 3 bureaus again and the other 2 remaining credit bureaus will not remove them from my credit report and me and my husband is attempting to purchase a home and we can not due to the errors on my credit report. I would like for these items to be removed so I can move forward with my home and life here are the accounts that was removed and are still on my XXXX and Transunion report All of these accounts were deleted from my credit report and i mailed it in to all 3 bureaus and no resolutions for none of them they are still showing on my credit report until this day XX/XX/2020. All of this documentation was from my XXXX account and it's showing as if I am not credit worthy at all. I also wanted to inform that it is my right for most of the companies to be removed because the information on the reports are not the correct information as far as my personal information and also when I first acknowledged the information on my report the amounts that they stated someone had charged or spent is even different from credit report so that's why I know the accounts were fraudulent and needs to be removed and my next step is to hire a attorney if this can not be resolved because it has went on to long with no resolution and me and my fianc is attempting to purchase a home.

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 2020-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I spoke to this company and stated that I was in a hardship due to the pandemic and they told me that this would not reflect on my credit at this time because of the cov-19 they would not show that I was late at all because that was law. This is for my XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. This hardship was due to my employment status that affected my payments. I was told that I would not show reported late. Please help me out as this was not my fault as a consumer. I am in the process of buying my first home and by this company telling me inaccurate information about my late payments may hurt me now. When they told me I would show current. Please help me as this has been a stressful time for me as a consumer and my family. This account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: IL

Complaint narrative:
Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXXXXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Sir/Madam. 

On XX/XX/2020 I applied to Citi Bank for a Citi XXXX XXXX Mastercard account, I was denied. The same day they emailed me a letter for the reason, most notably to me was the information was wrong. Their practices are misleading and deceptive, it is obvious in the letter they sent and what XXXX   shows. 

First they said my credit score is XXXX with XXXX and that is not the case at the time of Citi hard credit pull it was XXXX, it is now XXXX because of their pull. 

Citi says I have too many credit inquiries, I have on record two with XXXX one is two years old and the other one is theirs. 

These are totally inaccurate almost if not discriminatory in nature, I checked my credit report immediately upon receiving the citi email XX/XX/2020 I checked my credit score with XXXX and their score for me based on the same date XX/XX/2020 was XXXX as you can see the file I have attached. 

Had Citi informed me that they use old credit agencies reports I may have done things differently thus would not have a hard pull on my file. 

The phone number they gave in the letter to me is only an automated system noway to address any question to a person as stated in the letter.

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 2020-09-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN reporting inaccurate credit information on my credit report. On XX/XX/XXXX I asked EXPERIAN ( via certified mail ) for verification to show me any valid documentation with my SIGNATURE that I give permission to these companies to run my credit report. EXPERIAN FAILED to provide me with any valid proof and continue to report inaccurate information on my credit report. EXPERIAN failed to do a proper investigation. Because of this inaccurate INQUIRES reported on my credit report. I was denied for apartment rental, denied for a car loan, I could not apply for anything. The most painful time of my life, especially now in COVID-19. PLEASE HELP. ( please see attached ). EXPERIAN violated the federal law and FCRA law. 

They fail to provide me any evidence, they refuse to delete the inaccurate information from the credit report. And they said the item was verified as accurate without any clear evidence. They completely ignored my mail and communication. 

The following HARD inquiries were without authorization, and for no legitimate business purposes. I HAVE NOT AUTHORIZED. As such, it is a very serious error in reporting. 

MUST BE DELETED IMMEDIATELY : : XXXX XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX EXPERIAN XXXXXXXX XXXX / Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date : XX/XX/XXXX 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 2020-09-25 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: IL

Complaint narrative:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have disputed this debt with the credit bureaus as well as the creditor. The collection company responded by saying they were unable to locate my account or any valid documents proving I owe the debt. 

If option is available I can send copies of my letters as well as the creditor 's letter. 

Would like this removed from my report immediately as it is damaging, against the law, and ruining my chances of getting approved for more credit. 

Thank you for your help in this matter, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I want to dispute the following account with Rash Curtis : Account # XXXX, opened on XX/XX/2019, high credit {$250.00}. 

There are many violations committed by this company ( re-aging account, double reporting ). They have been negligent and unfair. All I am asking is to get this account removed from my credit report as a compensation for all the damages ( emotional stress, high interest rates that I had to pay as a consequence of their actions, etc. ). 

I have attached some documents. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX this account doesn't belong to me. FRAUD. 

XXXX CITIBANK XXXX It's fraud account, should be removed from my report immediately.

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 2020-09-25 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have missed XXXX and XXXX on my capital one credit card due to a hardship of health related issues. I haven't missed a payment in the past 3 years as a customer and would just like a forgiveness for the mossed 60 day payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA SVG BK XXXX this account doesn't belong to me. FRAUD. 

XXXX XXXX XXXX It's fraud account, should be removed from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: Southern Management Systems Inc.
State: FL

Complaint narrative:
On XX/XX/2020, I've sent ( via USPS ) a certified letter to all 3 credit bureaus regarding a derogatory mark on my credit report. I'am exercising my right under ; Debt Validation pursuant the Fair Credit Reporting Act, 609 - Disclosure to consumer [ 15 U.S.C. 1681g ] and 611 - Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ... ...

Im challenging the validity of this negative mark is due to the fact that I do not acknowledge the amount reported of {$2300.00} and it's solely an attempt to collect a wrongful amount. Also, I requested proof of ownership from the collection agency of this account for which they had failed to grant me this legal right as the consumer. Upon reinvestigation of my credit file, it never did remedy the error in question.

PLEASE NOTE : This is the type of request I wrote. However, the responses to my credit report investigation was very unsatisfactory as it did not seem to uphold any legalities base on the FCRA rules and guidelines.. PLEASE ASSIST and REINVESTIGATE..

Thank you very much,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The CFPB has jurisdiction in this matter because it pertains to credit reporting issues committed by Chase Bank, NA in regards to potential identity theft. 

On or around XX/XX/2020, Chase had opened a credit card in my name with the account number XXXX, of {$7600.00}. This account has a XXXX balance, and Chase had closed it 30 days later, on or around XX/XX/2020, and reported " Closed by XXXX XXXX ''. 

To my knowledge, I never opened this account, nor did I benefit from this account. The fact that this account reports " closed by credit Grantor '' is hurting my credit because it implies somehow I am uncreditworthy because a credit grantor would wish to close my account. My previous attempts to resolve this with Chase have been unsuccessful. 

A copy of the erroneous item and an ID theft report is attached. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 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: T.S. Holdings
State: WI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: AmeriCollect
State: WI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Williams & Fudge, Inc
State: MN

Complaint narrative:
XXXX XXXX XXXX will not respond to my requests. XXXX XXXX hung up on me when I told her that I lost my job due to covid and was making a lot less than what I was and told her I couldnt afford the payments they were wanting of {$400.00} a month for payments. And she hung up on me when I told her that I was in welfare. William and fudge actually hired the firm. I want to make sure that this debt is valid. This has been docketed as a judgement for {$29000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Well I had some charges disputed they didn't credit me for the right transactions that they were suppose to

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 2020-09-25 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: Conn's, Inc.
State: WI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with explanation