vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had issues with identity theft and filed a FTC report, police report and all required identification documents to have the incorrect information removed from my credit report. XXXX has removed the incorrect information. XXXX has removed the incorrect information. Experian is has not removed the fraudulent account. I have written letters and spoke with them over the phone but they do not follow proper FCRA procedures and are not removing the account. The Account is from XXXX XXXX XXXX XXXX Account Number : 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 2021-11-15 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: NY

Complaint narrative:
THIS IS THE 2nd complaint for the same inquires EQUIFAX HAS YET TO REMOVE INQUIRIES OR PROVIDE VERIFIABLE PROOF OF THESE INQUIRES NEED TO BE REMOVED AS THEY ARE HURTING MY CREDIT PROFILE 1. XXXX  NA XX/XX/2021 2.XXXX XXXX XXXX XXXX. 3XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: CA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
Its is show that I have two liens which I don't. I have attached my certificate of release of federal tax lien

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: MI

Complaint narrative:
On XX/XX/2021, I received an email from XXXX XXXX XXXX  XXXX. with the subject line " Important XXXX XXXX XXXX XXXX Credit Card Account Information ''. Attached in the email was Terms and Conditions for a line of credit. Immediately I called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name since I received an email with Terms and Conditions. After speaking with a customer service representative, they informed me they could not find an open account with my name and that they would investigate it and have the hard inquiry removed. It is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation. 

TransUnion closed my initial request asking them to remove the inquiry and said it will be on my credit report for 2 years. I am attaching proof and a letter from XXXX XXXX to expedite this and remove it immediatrly

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 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sunset Solutions Group, LLC
State: LA

Complaint narrative:
Received several messages stating they were from XXXX group - stated it was regarding multiple violations regarding my SSN - when I called back ( XXXX and XXXX ), spoke with a XXXX XXXX who then stated she was from Sunset Solutions ( the number she gave me is not the number listed for Sunset Solution Group XXXX XXXX )- and since the debt they were claiming I had was over 5 years old, the " attorney '' ( XXXX XXXX XXXX can't find him anywhere ) would settle with me for XXXX When asked who the debt was with and could she email me a debt validation letter, as I was not aware of what she was referring to - she refused and became very upset that I was asking who the attorney was - and who the client was. She stated client was XXXX XXXX - When I asked for the information of the attorney, she said XXXX XXXX, but that I was not allowed to speak to him and he would see me in court - then hung up. 

I have reached out to Sunset Solutions to verify if this was even them - I did reach out to XXXX XXXX- they are not a client of Sunset Solution Group

Company response to consumer: Untimely response
Consumer complaint received 2021-11-15 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: SYNCHRONY FINANCIAL
State: NY

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 haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: National Consumer Telecom & Utilities Exchange, Inc.
State: NY

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 haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX Chase withdrew {$3000.00} from my XXXX XXXX XXXX XXXX to satisfy the remaining balance on this credit card. On XX/XX/XXXX and XX/XX/XXXX XXXX additional withdraws from this checking account for {$3000.00} or {$6100.00} total was collected by Chase, even though there was a XXXX balance. I noticed the additional withdraws and contacted Chase on XX/XX/XXXX inquiring about the activity. Was instructed that these were auto payments set up by me, even though I have never used this feature and the account was paid in full. I requested a refund, was sent an email from Chase payments on XX/XX/XXXX with instructions about how to receive a refund. I provided my information that matched all of my Suncoast account information where the money was withdrawn. I received an email on XX/XX/XXXX to confirm that I had requested the refund. There was a discrepancy found in the email that listed my bank account ending in XXXX. This was not the number I provided and called immediately upon receiving the email. I was instructed to input my account information into their site and they would correct the discrepancy on their end. According to the Chase representative, I should have received an email to verify the reimbursement within two days. No email was received and I have placed numerous calls to Chase trying to acquire my refund. I was finally contacted on XX/XX/XXXX at XXXX by XXXX at Chase ( XXXX Ext XXXX ) who left a message that she was looking into my inquiry and would be in contact within three to five days. I called XXXX on XX/XX/XXXX at XXXX at the number provided. I left a message for her to contact me about the status and provided her with information regarding a point of contact with XXXX XXXX XXXX ( XXXX XXXX XXXX Ext. XXXX ) who looked into this so called ACH transfer from Chase and was unable to find any transfer in that amount within the time period that Chase may have transferred monies to XXXX, no matter the account number, just in case it was accidentally deposited into someone elses account. I have made numerous attempts to have my money returned and cant believe the level of incompetence much less the severe disregard for monies owed. I have never been late with a payment to Chase, have kept my account in good standing, and was just paying it off. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
This debt was owed to XXXX XXXX XXXX as the result of a long term stay with them after a XXXX XXXX I was admitted to the hospital by ambulance and signed nothing myself and my ex husbands insurance was the responsible party for the original amount. 
We filed for financial assistance, in the months that followed the application was being reviewed by the medical institution and the debt was suppose to be frozen until the application was reviewed. The hospital made a mistake and turned the bill over to Wakefield and Associates, I immediately called the hospital when I started receiving calls from them demanding the money be paid. It was immediately posted to my credit report at the same time I began receiving calls from them. The hospital called XXXX and told them a mistake had been made and the bill had inadvertently been sent to them while the application for financial aid was still under review and it needed to be stopped. It was not. I have repeatedly asked that it be removed from my credit report and have successfully been able to remove it from XXXX report but not from others. It continues to be a blotch on my credit even though I agreed to pay XXXX XXXX and the debt has been forgiven. 
All debts in my ex-husbands name were also transferred to him for payment in our divorce agreement that was completed in XXXX of 2021. They refuse to remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
THE COMPANY, CAPIO PARTNERS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO XXXX XXXX XXXX ( XXXX ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ( A ) ( XXXX ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account.

Your failure to verify* this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In 2019, I ( XXXX XXXX ) entered Into a consumer credit transaction XXXX, ( American Student Assistance ) became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, XX/XX/2019 I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this American Student Assistance has violated many laws according to truth and lending & FDCPA .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I have attached my invoice and License.

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 2021-11-15 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: TX

Complaint narrative:
XXXX XXXX is an account on my credit report. This account is closed, paid, please get the account removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed. It is 11 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report. It is 9 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report. It is 9 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report. It is 9 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX Is too old to be on my credit report, please get this account removed from my credit report. It is 11 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report it is 11 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Good afternoon, I was a student at the XXXX XXXX of Washington DC branch and was a student there for 3 9 week quarters starting from XX/XX/XXXX ending XX/XX/XXXX. Unfortunately the school closed back in XX/XX/XXXX Im not sure why this location was closed however after doing some research Ive read there multiple branches closing due to fraudulent activity. I wanted to make sure that I wasnt a victim of it. 

I wasnt a student there for a whole year and want to the lender to provide all paperwork regarding this private loan. I dont have any information as to whether or not I received a refund check due to me withdrawing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: CA

Complaint narrative:
I have been disputing errors found on my credit reports with Equifax, XXXX, and XXXX since XXXX of 2021. There are misspellings of my name, addresses I have never lived at, and accounts that are not mine listed. I have disputed with the bureaus via certified mail on a monthly basis. Despite my many attempts to have the errors removed/updated I have not gotten the investigation results that the bureaus are supposed to send in the mail. Without these results, I am unaware if an investigation was completed, or how they verified the information if it was. This in itself is a FCRA violation and warrants the removal of these errors. I will also list the errors below for your convenience. Please see the attached documents for further in-depth detail regarding the accounts in dispute : 1. XXXX XXXX XXXX/National Business Factor- Not my account 2. XXXX XXXX XXXX XXXX- Not mine, and is falsely reporting as an open account which is a FCRA violation 3. XXXX XXXX XXXX XXXX- Not mine XXXX and is also falsely reporting as an open account which is a FCRA violation 4. 2 XXXX accounts- Neither account is mine and I have not seen validation 5. XXXX Dental/Allied Collections- Not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Netspend Corporation
State: MA

Complaint narrative:
I discovered two charges that I had not made nor authorized. When I called my card company they advised me to dispute the charges and file for a provisional credit which I did. I did exactly what they told me to do and then they close my account without any warning or explanation. I cant even access any of my statements including The one that has the charges in question. And then to add insult to injury, they blocked my access to the account altogether so I cant even get a print out of the charges in question nor can i get a print out of my last month or two statements so i can contact all my bills that normally come out of this account and try to switch them to another payment method. They told me that because my account was closed there was nothing I could do. I couldnt do anything on a closed account. ( But it wasn't a closed account until they closed it after ) It also doesn't help that you are reaching a call center in a different country and there is a very large language barrier and the people who answer the phone aren't really allowed to think. They are only allowed to follow a script. Not everything is black and white. Not everything fits nice and tidy into a shiny polished little box They even closed out another account that wasnt even mine but i was listed as an authorized user. That account had been opened for over 10 years and they closed it because someone stole money from me and when i called for help i did what i was told and got punished for it. This is terrible. 

The bank is XXXX ( Netspend card )

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 2021-11-15 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: DC

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo ( WF ) Credit Card Security Breach. On XXXX, I received a call from from WF credit card fraud department, listed as XXXX on my caller ID ) asking me to verify an attempted charge to my Visa account at XXXX. I called WF at XXXX and spoke to a WF agent who confirmed the call was indeed from WF. My concern is that I did open that account long ago but I never activated it, never used it, and the card has not been out of my locked desk drawer at home, and absolutely no one has access to it. XXXX confirmed that the card was never activated and never before used. My question is, since the card has not been out of my desk drawer and was never activated for use, how did someone obtain my credit card information to use on XXXX. It is clear that the account information was obtained directly from WF files, either internally or through a hack. I would like an investigation into how this happened and how many other people face the same security breach. I expressed the concern to the WF agent but they are making no indication of investigation.

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