vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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: AL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I am becoming emotionally stressed about this matter. This is my second complaint because they are saying my complaint is unauthorized. They say that to stall from investigation. They have not shown me proof of the account being late, and it shows the date last active is inaccurate as well. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted, and they seem to be ignoring the laws. These accounts have been preventing me from getting business funding and it's very stressful for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: PA

Complaint narrative:
I have no knowledge of this account, according to the FCRA this item must be deleted

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 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear CFPB, today I received a letter in the US mail, supposedly from CHASE. The letter told me that they had not opened the account I requested. I had not requested that CHASE open an account. 

The letter listed two credit reporting firms, XXXX and XXXX, and directed me to call them if I had questions. I dialed one of them to ask what was going on, but thought better of it when I was asked for information.

I called CHASE customer service. They were pleasant, but directed me to stop by my local CHASE branch with the letter and my ID. I don't particularly want to go there, as I am staying home to avoid COVID.

I think this letter is an attempt to get financial information from me. It is not on CHASE stationery - it is a black and white printed letter. It is dated XX/XX/2021 ( today is XX/XX/XXXX ). I would be happy to send you a photo of the letter and envelope if that would be helpful. I am not aware of any problems with my identify or my actual bank accounts, but I thought you should know about what appears to be an attempt to commit fraud. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 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: PA

Complaint narrative:
On my credit file I have a discover financial services LLC fraudulent account. I want this account removed from my credit file. And evidence of who opened the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 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: PA

Complaint narrative:
Hey Experian, I never gave XXXX XXXX XXXX nor XXXX permission nor the right to report on my consumer report & the fact that these accounts are reporting on my credit report without any written permission is against the law. This is a violation as well as identity theft. Please reverse this under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts from my consumer report : XXXX XXXX XXXX : XXXX, XXXX 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 2021-02-09 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: Self Financial Inc.
State: VA

Complaint narrative:
I paid my balance in full using my debit card on XX/XX/2021. The transaction appears on my bank statement as completed but there is no record on the creditors end as receiving it as of XX/XX/2021. They have reported the account 30 days late to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This complaint is towards Capital One. I am a XXXX  citizen and I have been a card holder of capital one for over ( 10+ years XXXX. I notice on my XX/XX/XXXX - XX/XX/XXXX bill there was a late charge XXXX {$25.00} and interest {$7.00} XXXX. I call Capital One to inquire about the charges when I in fact ( 1 ) received my bill on XX/XX/XXXX and payment had to be submitted by XX/XX/XXXX and my payment was mailed to them on XX/XX/XXXX XXXX personal check ). After a lengthy discussion with an agent about the effects of COVID-19 on the delivery of mail, I was informed by the agent that there was nothing that they could do about the interest but they could remove the late fee. I accepted the removal and asked if I could speak to a supervisor about the removal of the interest. After speaking with a supervisor she stated that there was nothing she could do to remove the interest. On my XXXX - XXXX XXXX XXXX ) invoice I notice that there was a late fee {$25.00} + interest {$3.00}. I once again called Capital One to inform them of when I received my invoice and when I had mailed it off, XX/XX/XXXX XXXX bank cashiers check ). This time the supervisor stated that he would not remove the late fee nor the interest. According to Capital One 's agreement the billing period is ( 31 ) days and the card holder is asked to mail their payment within at least a ( 7 ) day period. On each occasion I mailed my payment more that ( 7 ) days given the mailing issues. It appears that to Capital one that I can get my invoice at least ( 10 ) days after the end of the billing period, which leaves me less than 28 days to send in the payment and this should be an acceptable practice. I am penalized for the downfall in the USPS but there is no penalty for Capital One. I'm not a XXXX citizen who is just speaking for himself but I am speaking for those XXXX  who will not speak for themselves and for those who can not speak for themselves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 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: PA

Complaint narrative:
On my credit file I have a XXXX XXXX XXXX XXXX fraudulent account. I want this account removed from my credit file. And evidence of who opened the 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 2021-02-09 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:
On my credit file I have a XXXX XXXX XXXX XXXX fraudulent account. I want this account removed from my credit file. And evidence of who opened the 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 2021-02-09 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: AL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I am becoming emotionally stressed about this matter. This is my second complaint because they are saying my complaint is unauthorized. They say that to stall from investigation. They have not shown me proof of the account being late, and it shows the date last active is inaccurate as well. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted, and they seem to be ignoring the laws. These accounts have been preventing me from getting business funding and it's very stressful for me and my family.

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 2021-02-09 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2019, LVNV funding LLC add a derogatory mark on my credit report per XXXX XXXX. Upon, further review, this account was transferred/sold and I am no longer responsible for this account. Also, there was NO form of communication, contract, or signature for the accused debt at all. A Bill without a signature does not validate the debt and anyone can send a bill in my name and say its mines. LVNV has violated my rights as a consumer and I am requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: GA

Complaint narrative:
1.

Remove the addresses from my credit report. the 3 credit bureaus did not remove my addresses from the previous dispute. all they did is joining together the zip codes on them and update which was never there. attached informations for the reference. 
Not my address- FCRA Violation XXXX XXXX XXXX XXXX , GA XXXX - XXXX. 
XXXX XXXX XXXX  XXXX, GA XXXX - XXXX My Correct address is as follows XXXX XXXX XXXX, i XXXX XXXX, GA - XXXX. 

XXXX XXXX XXXX XXXX, GA XXXX. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

2. 
Addresses, names and variations incorrect on all three credit report- they have not corrected them. attached the document 3 XXXX  XXXX XXXX - Remove this Not mine- FCRA Violation Closed Unknown payment history 4. 

XXXX XXXX Dispute This account ASAP- not mine {$0.00} Closed 14 late payments Account number XXXX XXXX XXXX XXXX XXXX XXXX Delete this account- not mine -fcra violation XXXX XXXX XXXX, GA XXXX XXXX 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX - {$20000.00} Closed 46 charge-offs Account number XXXX XXXX XXXX - Remove late payment {$0.00} Closed 18 late payments Chapter XXXX bankruptcy dismissed- Not my Bankruptcy.- attached screenshots- and public record XXXX XXXX XXXX XXXX- Dispute This account- not mine- FCRA Violation Account NumberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: NC

Complaint narrative:
The account has already been investigated and the inaccurate account removed. I am requesting that Transition follow suit.

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 2021-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I informed this company that this debt was due to identity theft, but is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I want to reopen XXXX, COVID-19 virus, unexpected pandemic. I had to take care of my XXXX year old father. 
Chase Mortgage response included a document on " XXXX XXXX '', I dont have a clue who she is. Also, their response proces that they are committing Reverse Redlining, Chase is refused to send me my home deed. Just to get more money from me. 

They refussed to return my calls.. Knowing that I was divorced and they were in possession of my divorce XXXX and his quick claim deed to me, since XXXX. According to Chase, my ex-husband gave them appeal to extend my payments to XXXX, instead if putting the payments on the principal as my check clearly stated and so did my voice mail messages. My ex-husband says he told them her and I were divorced and he had nothing to do with my house. He offered to send them a copy of our divorced decree and the Quick claim deed, which they acknowledge they already had. 

XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
NO ONE EXCEPT MYSELF CONTACTED PAYPAL OVER THIS DESPUTE AND PAYPAL NEVER OBEYED THERE OWN POLICY TO INSURE MY MONEY THUS WILLINGLY DEFRAUDED ME. I HAVE ALL RECORDS : Case 1 of 6 - Scammer : Case Closed : Transaction not covered Case ID : XXXX Thank you for reporting this case. After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection. 
Case details Dispute reason Unauthorized access Case Status Closed Date reported XX/XX/XXXX Transactions not refunded We have been unable to provide any refund on the transactions listed. 
XX/XX/XXXX Money Sent - {$40.00} Case 2 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$30.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Monday, XX/XX/XXXX Transaction amount : {$30.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX  EST This person is a scammer, i want ALL my money back. 
This case is closed Case 3 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$50.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Tuesday, XX/XX/XXXX Transaction amount : {$50.00} USD Your conversation with X X XX/XX/XXXX at XXXX AM EST This person is a scammer, i want ALL my money back. 
This case is closed Case 4 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$200.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Friday, XX/XX/XXXX Transaction amount : {$200.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX  EST This person is a scammer, i want ALL my money back. 
This case is closed Case 5 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$25.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Tuesday, XX/XX/XXXX Transaction amount : {$25.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX  EST This person is a scammer. I want ALL my money back from them. 
This case is closed Case 6 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Refund requested : {$750.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Thursday, XX/XX/XXXX Transaction amount : {$750.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX EST Every time money was sent to this person, they scammed me. I want it ALL back. 
This case is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Army and Air Force Exchange Service
State: NC

Complaint narrative:
Late payment showing on account on XX/XX/XXXX, and XX/XX/XXXX. Account has been closed since XX/XX/XXXX with date of last activity on XX/XX/XXXX. No late payments have ever been made on account. Payment history is inaccurate.

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 2021-02-09 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: AL

Complaint narrative:
I have called the courts in North Carolina and the law offices where the bankruptcy was started and they stated that this should not have been reported due to me never going thru with the bankruptcy. There is also an accident that is reported and I have had to call XXXX and have them to verify in writing that I was never in an accident. LexisNexis is reporting these things on my credit report and it is inaccurate. It has caused me to have a higher insurance rate. The bankruptcy has caused me not to be hired at a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX I booked flights via XXXX to XXXX, XXXX. In XXXX, upon reviewing my bank statement I did not recognize a charge of {$2400.00} to my account so I filed a claim to Citi Bank thinking it was a fraudulent transaction. I was refunded the full amount. Later I realized that this charge of {$2400.00} was XXXX, so the trip was canceled. Please keep in mind that I am XXXX years old so my memory fails me many times and it is very difficult for me to keep up with paperless transactions. I called right away to re-book this trip on XX/XX/XXXX so XXXX went ahead and re-charged me with the amount of {$2400.00}. 

Fast forward to XXXX of XXXX when all operations at XXXX stopped due to the pandemic and XXXX canceled my flights and hotel, meaning that services were never rendered. I called Citibank on XXXX to file a claim on this charge from XXXX but they said I couldnt file a dispute again for the same charge. Now, I am not trying to file a dispute for fraud but instead for services not rendered. I keep explaining to Citibank that services were not rendered and the claim should be under the 13.1 claim code. Citibank states that they could not and would not do that. 

After filing for the first time with the CFPB I received a response from Citibank in which they still refuse to help me and would like me to contact the merchant directly or pursue other means which I have to no fruition. When trying to contact XXXX I receive a message instructing me to contact my bank ( Citibank in this case ). I have no knowledge about any other means since Citibank is refusing to at least provide me with other options. It is not right that if services were not rendered and never occurred to not receive any help or guidance from Citibank. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I been reporting to Experian, XXXX  and XXXX  for months that a third party is reporting wrong information to them about a cancelled and close account they bought off an original creditor. The third party company is XXXX XXXX I dont have no business with the third party and the account they bought was cancelled and closed due to the product being defective as a result the original account is closed. They are violating my rights by continuing to report a cancelled account as open from a third party when it is clearly closed. It was verified and they will not remove it. I dont owe any balances to this collection agency I have no business with them neither do I know who they are besides an agency trying to ruin my credibility.

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I signed up for a Transunion account today ( XX/XX/2021 ) and was instantly prompted to enter my credit card information. Thinking this was for identity purposes, I entered it. Later on, I checked my email to see that I was charged for a {$25.00} credit monitoring subscription I never even signed up for ( XXXX XXXX  EST ). I instantly canceled it the second I saw it however they already charged me for this service. I never asked for this service nor signed up for it, so I don't understand why I was charged for it. I also want to be made sure that I'm 100 % out of the subscription. I do not want to be a part of the subscription and would like it cancelled ( If it hasn't been already )

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