vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX SSN # XXXX To : Equifax, XXXX, and XXXX. 

I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX XXXX because is the Account Status section of this listing. XXXX is reporting that it is a Open Account. However, Equifax and XXXX is reporting that this account is Closed?!? Please Delete!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Just having problems getting my account re-opened with my same credit line Im a XXXX veteran still making payments on the account would like to have my account re-opened I was a victim of identity theft and my account somehow was closed and I would like to get my new cards sent out and my credit cards established

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 2019-08-28 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

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 2019-08-28 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Went to mall and was enticed by sales person to buy a ring that normally was priced at {$4400.00} but that it was listed at 75 % off due to XXXX of XXXX sale they were having. They had me apply for credit. They gave me 2 credit cards for an unknown reason. I only applied for one. This other credit card showed up after the period to return the ring. One was XXXX and the other I can not remember. The total price was supposed to be {$1500.00}. I had to have XXXX so I was out. My husband made the payments to the jeweler until I could get a chance to resolve the issue. When I was health again I went back to the store with the paperwork that I had received. They attempted to say that I had agreed to other charges but they could not provide me any papers that verified this. I did not sign any other papers. I had all papers I had signed and none of the numbers matched. I called the manager, I called the main office. I could not get any documentation of any other charges. I received an inheritance and told them I would pay them the {$1500.00} that the price was supposed to be. They refused and would only accept {$4400.00}. I have sent written requests to validate the debt but I can not get any response. 
They reported all of these accounts on my credit : XXXX XXXX XXXX/ XXXX XXXX   XXXX  All opened XX/XX/17. How would I have taken out a total of {$7700.00} in credit to buy a {$1500.00} ring?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: Westlake Services, LLC
State: FL

Complaint narrative:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
In early XXXX, my properly set up automated credit card payment didn't process with Barclay Bank Cards. They  couldn't explain why, and billed me for a late charge and a double payment of {$200.00}. I called and allowed them to take that double payment and got them to reverse the late charge. 

I double-checked my automated payment setup and found it not in effect, so set it up again for $ XXXX/month 5 days before due date. Today, XX/XX/XXXX, when I didn't owe any payment at all, they collected {$200.00} out of my bank account. 

I called, and was told that there was nothing they could do, as I had apparently authorized it ... NOT IN THE LEAST TRUE!. I also hate talking to someone in a foreign country, never able to reach a supervisor. Now I have no idea how they'll hit me again or when. I paid {$410.00} in XX/XX/XXXX for an account with a minimum payment of {$96.00}!! 

I want the payment reversed. They are non-responsive and ripping off their customers. My plan is to transfer the balance and close the account, but can't do so yet.

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 2019-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Paypal Synchrony bank claims I had an account with them, a line of credit. When I login to paypal it is not listed, and has not been for a long time. out of nowhere, I recieve a call from a collections agency. I find out the debt originated with paypal synchrony bank. I called them and they said they had a wrong address, and so they charged off the debt. However, I was not notified in writing, email, or phone call that I had an open line of credit, or that I owed money. When I asked paypal about this, they said they didn't know why they didn't try to call or email me. I am signed up for digital statements and they have my phone number.

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 2019-08-28 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: DriveTime
State: FL

Complaint narrative:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

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 2019-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Here is the item in question XXXX ACCOUNT NUMBER XXXX ACCOUNT CLOSED & SOLD XXXX ACCOUNT NUMBER XXXX ACCOUNT CLOSED & SOLD Accounts should be deleted because its ruining my eligibility standing as a Doctoral candidate. The department of education suggested me to file a dispute for these two accounts.

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 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/19 I reset my password following Experians ' instructions. However, they have a secondary security feature that asks to send a verification code to a predefined phone number. The phone number listed is not mine, therefore I did not proceed. I made several attempts in vain to actually speak with someone at the company to get this corrected. There is physically no way to actually speak someone to get this corrected through their automated system. There could be severe fraud on my account if someone has accessed my account and changed the contact information. I have no way to check and I am very concerned. I e-mailed the company and as of yet have not heard back from them on this issue. Please assist. 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 2019-08-28 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To Equifax, XXXX   and XXXX, DELETE XXXX XXXX   XXXX because of multiple inaccuracies. 1. In the account number sections of this listing their are 3 different account numbers reporting. XXXX is  reporting XXXX as the account number. XXXX   is reporting XXXX as the account number. However Equifax is reporting XXXX. These account numbers are inconsistent. 2. In the Last Payment section of this listing. XXXX and XXXX is reporting XX/XX/2018 for last payment made. However, Equifax is reporting XX/XX/2018 as the last payment date made. These dates are inconsistent. 3. In the Date Opened section of this listing. XXXX and Equifax is reporting XX/XX/2018 for date the account was opened. However XXXX is reporting XX/XX/2018. 4. This is a closed account that still is reporting current activity on it. How could this be. Dont you get your reporting from the same company? Please Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is not a duplicate claim. 

Attempting to obtain Price Protection benefit. Purchased a XXXX XXXX set on XX/XX/XXXX Found a lower price on XX/XX/XXXX and submitted - Claim : XXXX Was told that it wasn't for sale, despite website indicating it is. Found another lower price and reopened the claim - Now Claim : XXXX This time the claim was denied because " item you are claiming was not purchased with an eligible credit card account '' So I call on XX/XX/XXXX and the representative, after being given both claim numbers, says that there's no store selling the item and there's nothing in the records about the email saying the card isn't eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CFM Group LLC
State: VA

Complaint narrative:
To Whom It May Concern : I am a Business Owner for XXXX XXXX XXXX XXXX XXXX XXXX, I used XXXX XXXX XXXX for my Merchant Service ( Credit Card Processing ), for years. I became dissatisfied due to the company always deducting fees from my Bank Account that were not specified in the Original Agreement. On XX/XX/2018 I closed the account and was told there would be no additional charges to my account as long as I returned their equipment within 10 days which I did. I never heard from the company again, until last week. A Collection Agency contact me and said that I owed for the equipment {$1300.00} and was very willing to make a {$800.00} settlement. The XXXX XXXX XXXX Company never notified me in any way to tell me that they did not receive the equipment. 

Unfortunately I do no keep shipping tracking receipts for 9 months. After a few month past I thought everything was settled It was shipped in plenty of time for them to receive it. 

One reason that quit doing business with this company is because they seemed to use shady tactics to collect more money from my account numerous times. When I would called they would quickly erase it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To XXXX, TransUnion and XXXX, DELETE XXXX XXXX   XXXX because of multiple inaccuracies. 1. In the account number sections of this listing their are 3 different account numbers reporting. TransUnion is reporting XXXX as the account number. XXXX is reporting XXXX as the account number. However XXXX is reporting XXXX. These account numbers are inconsistent. 2. In the Last Payment section of this listing. TransUnion and XXXX is reporting XX/XX/2018 for last payment made. However, XXXX   is reporting XX/XX/2018 as the last payment date made. These dates are inconsistent. 3. In the Date Opened section of this listing. XXXX and XXXX is reporting XX/XX/2018 for date the account was opened. However TransUnion is reporting XX/XX/2018. 4. This is a closed account that still is reporting current activity on it. How could this be. Dont you get your reporting from the same company? Please Delete

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 2019-08-28 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: SC

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-08-28 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX  XXXX because of multiple inaccuracies. 1. In the Open Date sections of this listing. XXXX is reporting XX/XX/2019 for the date this account was opened. However, XXXX and Equifax is reporting that it was open on XX/XX/2019. These dates are inconsistent. 2. In the Account Status sections of this listing. XXXX is reporting that it is a closed account. However, XXXX and Equifax is reporting that this account is Open. How can this be inconsistent? Please Delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have been dealing with credit discrimination for many years. I filed for bankruptcy 5 years ago. I recently completed my obligations and my credit score seems to be decreasing. I have friend that are XXXX with the same scenario and they have gotten approved for many loans to include the ones I have been denied. I would like a comparison take with someone of XXXX race making equal amount of yearly income and compare with my situation and see the inconsistencies and blatant discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/19 some opened up a bank account in my company name and intercepted a wire that was meant for my company in the amount of {$5200.00}

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 2019-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Federal Financial Services Inc
State: NC

Complaint narrative:
Federal Financial is reporting a {$10000.00} debt on my credit report that was resolved some time ago. Since they are unable to verify this debt, nor report accurate information on my credit report, this account should not be there at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: TX

Complaint narrative:
Yet another fraudulent posting on my report, this time from XXXX XXXX, this is fraud I did not apply for any service from XXXX XXXX, this is on my report as an Hard Inquiry. Im getting tired Equifax of you not doing your job to check this out so, Im letting the attorney general know both in my state and yours. Also, im letting the FTC see this as well, I will also be approaching my senators in Texas and I can assure you I will get results.

Company response to consumer: Closed with explanation