vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 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: NY

Complaint narrative:
XXXX XXXX on my credit report ( experian, XXXX, XXXX ) that open on XX/XX/XXXX, it was a result of an identity thief, someone use my infos to open these accounts and I requested that they blocked these infos immediately and didnt get any results for the last 2 years after I sent ftc report 3 times also theres an address that end with the zip code XXXX that its not mine on my experian I want to be remove immediately XXXX XXXX XXXX that open on XX/XX/XXXX without my permission that must be remove off XXXX, XXXX and experian. 

XXXX XXXX that open on XX/XX/XXXX, they claimed I had 6 late payments and thats not accurate, I want the late payment remove from Experian, XXXX and XXXX XXXX XXXX XXXX open on XX/XX/XXXX, XXXX and XXXX removed but experian still didnt remove it

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 2021-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
World finance has 2 loans for me reporting on my credit. I paid both last and off. I got the first loan and paid it off then I got a 2nd years later and paid that one. But it's showing on there system I owe for 2 loans that's not true at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX and Equifax have my files merged with a similar person but with a completely different SS #. I have been in contact with the creditors that are reporting on my report that aren't mine. Thats how I know this. I submitted a request to remove these items. It came back as " verified as yours ''. I sent a second letter demanding that they manually verify not use E-Oscar to make sure the items would get taken care of. They responded that my request had all ready been done and these were considered " frivolous requests and if I had proof these weren't my accounts submit it ''. I cant submit something that doesn't exist in my name and SS # the creditors say they aren't doing this the credit bureaus have it mixed up. I then sent a demand letter giving them 15 days to submit proof of my signature, contracts, anything to show they actually follow thorough with my request. crickets... .litterally crickets... Nothing back its been 45 days I have the certified letters showing it was delivered. Its causing me hard to not be able to buy a house. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FCU Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I lost my job in XX/XX/XXXX because of Covid 19, my employer lowered my pay rate and stopped my medical insurance and got a new job but this job doesn't pay me as much as the older one but I do get Medical insurance and in the future I will be making more money than my old job ... ... .I had a balloon payment on my 2nd mortgage and I tried to refinance with the lender Mr.Cooper but since I'm also going through a divorce I have to refinance on my own and I did not qualify for the refinance, my options that I did not know about were told to me by the lender a week ago, but now is too late because my balloon payment matured on XX/XX/XXXX and they say I missed the date to do a forbearance because of Covid 19, with a forbearance I could've more time to pay off more of my debt and also get another raise at my present job and now I'm been force to sell my American dream home... ..I don't think is fair that the lender withhold that information from me. 
I tried to refinance with other companies but I only got a lock rate that I can't use if I don't get a co-signer or if I have XXXX dollars in the bank by XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this MEDICREDIT ( XXXX XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: NY

Complaint narrative:
This company is horrible this credit reporting agency Im a victim of fraud they have my ftc report they sent me by mail the dispute results showing deleted but the inqueires are still reporting their system sucks when I call To Complain they do Nothing to have it updated and removed from My report correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX  XXXX  finished my policy and they still attempted to collect without notice XXXX XXXX has 2 collection agencies after i closed the account and never had a contract with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: NJ

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX XXXX ) , ( XXXX XXXX XXXX ), ( XXXX XXXX ) , ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), ( US SM BUS AMIN XXXX ), ( XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report . This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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:
Please assist me in getting the following items removed from my credit file. I have sent several disputes without any response. It has been over 45 days and no response. 

The following items do not belong to me ( Fraud Account ) - XXXX XXXX XXXX XXXX ( XXXX ) - Bal : {$100.00} Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A.R.M. Solutions, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX is reporting inaccurate information on A.R.M. SOLUTIONS, INC. ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: TN

Complaint narrative:
On XX/XX/2017 I went into a dealership to get a car and used my credit card pursuant to 15 USC 1602 ( l ) making it a consumer credit transaction. The entire credit sale was complete at the signing of the instrument- ( 3-104 ( e ). ) I have noticed that on my credit report that XXXX XXXX XXXX is reporting late payments tarnishing my consumer credit report when the car was already paid for.

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 2021-11-06 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: TN

Complaint narrative:
On XX/XX/2017 I went into a dealership to get a car and used my credit card pursuant to 15 USC 1602 ( l ) making it a consumer credit transaction. The entire credit sale was complete at the signing of the instrument- ( 3-104 ( e ). ) I have noticed that on my credit report that XXXX XXXX XXXX is reporting late payments tarnishing my consumer credit report when the car was already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: TN

Complaint narrative:
On XX/XX/2017 I went into a dealership to get a car and used my credit card pursuant to 15 USC 1602 ( l ) making it a consumer credit transaction. The entire credit sale was complete at the signing of the instrument- ( 3-104 ( e ). ) I have noticed that on my credit report that XXXX XXXX XXXX is reporting late payments tarnishing my consumer credit report when the car was already paid for.

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 2021-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current
State: NV

Complaint narrative:
I placed three online orders on XX/XX/XXXX ; two with XXXX and one with XXXX. All three orders were almost immediately cancelled by the merchants as soon as the orders were placed on XX/XX/XXXX. On Wednesday, XX/XX/XXXX, I reached out to both merchants as I was being advised by my bank ( Current, dba XXXX XXXX XXXX ) that the merchants had not reversed the charges and they were still in a pending status. Both merchants confirmed via written online chat that they had indeed cancelled the transactions and reversed the hold amounts, with that reversal being sent to the bank on XX/XX/XXXX. XXXX went so far as to give me the date, time, and actual reversal code that was sent to my bank on XX/XX/XXXX. I reached out again to my bank today, XX/XX/XXXX to advise them of this and request that the three transaction amounts be released and the nearly {$1400.00} returned to my account without delay. 
Again, I was advised by my bank that they hadn't received anything from the merchants yet and the transactions were still pending. I even included a copy of the screenshot of my chat with XXXX where they give the exact date, time and code for their reversal, and yet my bank is still unwilling to issue a reversal of the holds and return the money to my account, even after being given written proof from the merchant. 
The merchant is blaming the bank, the bank is blaming the merchants ; meanwhile, I am still waiting for the {$1300.00} to be returned to my bank account with absolutely no resolution, and an unwilingness on the part of my bank to do anything to assist with resolving this issue for me. 
Again, I have written confirmation from both merchants that they have already cancelled the transactions and issued reversals on the hold amounts, and I feel that my bank is fraudlently holding on to my money for their own benefit and gain. 
I would like my money back in my account without any additional excuses or delays on the part of my bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kinum, Inc., Indianapolis, IN Branch
State: NC

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

KINUM ( 09 XXXX XXXX XXXX ) account is inaccurately and erroneously reported in XXXX. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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:
There are several items that are reporting on my credit that do not belong to me. 

Incorrect Names : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX  ( XXXX ) Incorrect Address : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX, XXXX XXXX ( Equifax ) The following items do not belong to me ( Fraud Account ) - XXXX XXXX  ( XXXX ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX  ) - Bal : {$21000.00} - XXXX XXXX  ( Equifax ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX, Equifax, XXXX ) - {$52000.00} - XXXX XXXX  ( XXXX, Equifax, XXXX ) - {$36000.00} - XXXX XXXX ( XXXX, Equifax, XXXX ) - {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I learned through my credit monitoring company that Capitol One pulled a credit report without my permission with all three credit bureaus on XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I asked Chase Prime Visa to dispute a charge of {$350.00} for a defective product. Posted on or about XX/XX/2021. I called 3x and asked them to send me a form in the mail so I would be able to dispute these charges. They refused to do so. They called me on XX/XX/2021 at approximately XXXX and Chase Prime Visa said they would not dispute this charge. They did not give any reason for not disputing this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX XXXX ) , ( XXXX XXXX XXXX ), ( XXXX XXXX ) , ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), ( US SM BUS AMIN XXXX ), ( XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report . This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation