vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I HAVE A WRONG CREDIT INQUIRY AND I NEED TO CORRECT IT SINCE IT WAS NOT DONE BY MY PERSON. THE COMPANY ARE PREFERED MORTGAGE ON XX/XX/2021. 


THANKS

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 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
To whom it may concern, We signed an agreement to refinance with Rocket Mortgage and dealt with XXXX to have a refinance with taxes and insurance part of the payment. I found out via phone call from my insurance agent that I have had for over a decade, that my insurance was not paid and I had 30 minutes to find out what happened and why. It took me 20 minutes with the people you have as associates and long automated phone system you have to discover it was left out of the package as I request. I was quiet upset and was not very pleasant to the associates and she threaten to hang up be cause I stated, It was not me that XXXX up! I informed her that I will find a competent company with professionalism to take my business. 

I should not be dealing with this! I will give you all the advertisement via social media that you deserve. I will also find an reputable and competent company to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experians response to complaint XXXX highlighted many violations in their procedures. The response from Experian states, We had previously placed the item under reinvestigation per your request, on XX/XX/2021. The data furnisher responded and verified that the disputed information was accurate as reported. According to the FCRA whenever an item on a consumer credit report is disputed an investigative consumer report is produced. The term investigative 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. These procedures were not followed and furthermore they came to conclude the investigation through illegal means. As stated by the Fair Credit Reporting Act, information shall not include specific factual information on a consumers credit record obtained DIRECTLY from a CREDITOR of the consumer. Experian clearly states they received their information strictly from the data furnisher and never properly investigated and verified and verified this account. The XXXX XXXX XXXX XXXX account must be deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I, XXXX, The natural person and Consumer Citizen is responding to the allegation, mores " lies '' brought about from the following companies : XXXX XXXX XXXX XXXX XXXX, CAINE AND WEINER/XXXX, and XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX . You and the paid third party debt collectors without contracts to collect ( pursuant to 31 U.S. Code sec,3718 ) are in fact caught in a lie and have given all proof needed as to what published within your response. You have failed to mention WHO, the investigative information was obtained from.. in addition, HOW my personal information was obtained, fi not authorized by me pursuant to 15 U.S.Code 1681 ( B ), you've had no Permissible Purpose '' or written consent from me the consumer. This is in fact identity theft, punishable in Federal Court. I have in mailed in second notice of ceasing all REPORTING and providing me with the proof of WHO and HOW investigations were done. These companies have not supplied any evidence to how my information was obtained, only that it was " verified and accurate '' pursuant to 15 U.S. Code 1681 ( A ) ( E ) speaking to personal friends, family, etc is not FACTUAL, none the less third party bureaus buying personal information, all NOT AUTHORIZED BY ME. these companies continue to report inaccurate information in violation of the FDCPA. In all of the companies responses they have failed to mention how, where, or from whom the information was obtained. MY character continues be defamed, willful injury, emotional distress along with my credit and defaming of privacy. Under the 4th Amendment and Federal laws I am protected, my 4th Amendment Rights have in fact been infringed on as my " rights to be secure in my papers " has not been constituted in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This company has been reporting a different balance for almost 7 years on each credit bureau. This account has been removed from XXXX within the last 2 weeks but has not been removed from XXXX. I was unable to submit the screenshots online at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Denied credit for irrelevant reason through an automated scoring system. A manual credit review needs to be conducted. CHASE appears to be ticked off that the government made them write-off a mortgage loan over 10 years ago for predatory ending tactics. This appears to be retaliation for that cancelled debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reached out to the credit bureaus regarding Fraud Alerts on my credit profile. I was advised that I need to send a letter to request the Fraud Alerts to be lifted. Also I was advised by the Credit Bureaus that I have two credit profiles. One credit profile has Fraud Alerts and the other do not. So depending on who is running my credit and which profile they get will determine if Fraud Alerts are on that specific credit profile. I am requesting that ALL Fraud Alerts are lifted and the two credit profiles the Credit Bureaus stated I have are " MERGED '' together. I was advised by my attorney friend, reaching out to you all will be the most trusted way to handled this complex issue. I honestly does not trust the Credit Bureaus. I have no faith and trust in those Organizations.

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 2021-10-15 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Since, XXXX, I have made an effort to pay off my debt, before then I was able to get a credit card with a debt of XXXX and many missed payments prior and a low end job. Now, I cleared my debt in XXXX of either XXXX or XXXX. I even had a higher paying job in XXXX of XXXX making over XXXX in addition to child support thats roughly XXXX for over a year. However, I was unable to get a credit card. I haven't been able to get 1 since XXXX. Now, I recieved my score and experian claim its in the XXXX 's. There's no way possible when my debt is only XXXX dallors I have supposedly 10 late payments, some to which include payments in XXXX. Which should be deleted. I'm tired what of what Istrongly believe is bias and discrimination. 

Last 4 digits of Social # XXXX, the option below is not working

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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reached out to the credit bureaus regarding Fraud Alerts on my credit profile. I was advised that I need to send a letter to request the Fraud Alerts to be lifted. Also I was advised by the Credit Bureaus that I have two credit profiles. One credit profile has Fraud Alerts and the other do not. So depending on who is running my credit and which profile they get will determine if Fraud Alerts are on that specific credit profile. I am requesting that ALL Fraud Alerts are lifted and the two credit profiles the Credit Bureaus stated I have are " MERGED '' together. I was advised by my attorney friend, reaching out to you all will be the most trusted way to handled this complex issue. I honestly does not trust the Credit Bureaus. I have no faith and trust in those Organizations.

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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reached out to the credit bureaus regarding Fraud Alerts on my credit profile. I was advised that I need to send a letter to request the Fraud Alerts to be lifted. Also I was advised by the Credit Bureaus that I have two credit profiles. One credit profile has Fraud Alerts and the other do not. So depending on who is running my credit and which profile they get will determine if Fraud Alerts are on that specific credit profile. I am requesting that ALL Fraud Alerts are lifted and the two credit profiles the Credit Bureaus stated I have are " MERGED '' together. I was advised by my attorney friend, reaching out to you all will be the most trusted way to handled this complex issue. I honestly does not trust the Credit Bureaus. I have no faith and trust in those Organizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX I am who I say I am and no third party is involved in submitting this complaint. 

I have had a secured credit card with capital one for several years now. I initially secured the credit card with {$500.00} usd and they have since increased the limit to {$600.00}. I am submitting this complaint because it has come to my attention that this was in fact a consumer credit transaction and Capital One taking a down payment from me in a consumer credit transaction is fraudulent. I have also become aware that the account is in billing error under 15 usc 1666 ( b ) and therefore Capital has forfeited their right to collect. it has also come to my attention that this card is part of an open ended consumer credit plan under 15 USC 1637, but the account has not been balancing out every month using the funds from my trust account as it should. Instead Capital One has been benefiting from unauthorized use of my open ended consumer credit plan while I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX has refused to put a freeze on my credit report! 
XXXX XXXX Transunion are committing fraud I have never filed a chapter XXXX bankruptcy! These 3 credit bureaus are hostile when you call them they are refusing to remove the false fraudulent report of a chapter XXXX! The court papers state THERE WAS NEVER A MEETING OF THE CREDITORS MEANING NO MEETING WITH THE CREDITORS NO BANKRUPTCY! In order for a bankruptcy to proceed you have to meet with the creditors The court papers from the judge that was mailed to all 3 companies says clearly THERE WAS NO MEETING OF CREDITORS! Remove the report of chapter 7 bankruptcy immediately this is fraud, slandering lies intimidation! If all 3 credit bureaus continue this fraudulent report all XXXX companies are agreeing to pay me XXXX XXXX XXXX dollars! Cease and desist the credit bureaus report of a chapter XXXX bankruptcy! I do not owe medical bills I have XXXX & XXXX I never get bills and the credit bureaus continue committing fraud by allowing report without verification! Remove the collection allegations if you do not discontinue this non verification reporting you are agreeing to pay me XXXX XXXX dollars for slander fraud intimidation damages cease and desist reporting as of XX/XX/2021

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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX has refused to put a freeze on my credit report! 
XXXX Experian XXXX are committing fraud I have never filed a chapter XXXX bankruptcy! These 3 credit bureaus are hostile when you call them they are refusing to remove the false fraudulent report of a chapter XXXX! The court papers state THERE WAS NEVER A MEETING OF THE CREDITORS MEANING NO MEETING WITH THE CREDITORS NO BANKRUPTCY! In order for a bankruptcy to proceed you have to meet with the creditors The court papers from the judge that was mailed to all 3 companies says clearly THERE WAS NO MEETING OF CREDITORS! Remove the report of chapter XXXX bankruptcy immediately this is fraud, slandering lies intimidation! If all 3 credit bureaus continue this fraudulent report all XXXX companies are agreeing to pay me XXXX XXXX XXXX dollars! Cease and desist the credit bureaus report of a chapter XXXX bankruptcy! I do not owe medical bills I have XXXX & XXXX I never get bills and the credit bureaus continue committing fraud by allowing report without verification! Remove the collection allegations if you do not discontinue this non verification reporting you are agreeing to pay me XXXX XXXX dollars for slander fraud intimidation damages cease and desist reporting as of XX/XX/2021

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 2021-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
CREDIT ACCEPTANCE IS DAMAGING MY CREDIT REPORT THEY ARE CONTINUOUSLY REPORTING INCORRECT AMOUNTS THAT I DO NOT OWE CAUSING LATE PAYMENTS AND DAMAGING MY CREDIT PLEASE MAKE THEM STOP THEY ARE REPORTING INCORRECT FALSE INFORMATION. I CANT RECEIVE HOUSING BECAUSE OF IT WE ARE IN COVID-19 AND THEY ARE DAMAGING MY CREDIT REPORT I CANT RECEIVE HOUSING BECAUSE OF IT. 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 2021-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capio Partners, LLC
State: LA

Complaint narrative:
I dont know who ASSETCARE is and tomorrow Im opting out of XXXX XXXX and XXXX XXXX Ive XXXXn phone calls from six in the morning till XXXXXXXX XXXX Ive Disputed this with XXXX they took it off in three months later put it back on because and the balance is incorrect because the creditor has two different other Balance on XXXX XXXX and XXXX and I am opting out of them tomorrow morning. I dont know woh ASSETCARE is And I am tired of the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 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: MD

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: KS

Complaint narrative:
Ive attached a list of all XXXX XXXX  issued under my MPN. Ive also attached a copy of the original XXXX. Ive disputed XXXX XXXX XXXX multiple times with because the account is fraudulent. TransUnion and XXXX agencies have chosen to keep the account on my report while never requiring any proof from XXXX as to the validity of the information they allege is accurate. The complete list of every loan disbursed is attached. I dare you to find that loan on this list. The list by the way is directly from the XXXX. I want the account removed immediately! The creditor has not once provided proof that loan XXXX was issued under my XXXX it is fraudulent!

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 2021-10-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
In early XXXX I filed a fraud charge for 3 separate transactions. I had bought digital currency online through XXXX with my debitcard. I called U.S. Banks customer service line and they submitted the fraud charge. The person had sold me something they stole from someone else and I had to return it the person it was stolen from. Multiple employees said over the phone that what happened to me was Fraud. My mother ended up passing away and I took off for 2 months because I didnt want to be around the house she was found in since I lived there to. When I returned I saw a letter saying they denied my Fraud claim because they were missing paperwork they sent out. The only paperwork I had in my stack of mail when I returned was a letter from them saying they denied my claims because they were missing paperwork I never received. I called them over the phone and spoke to someone who told me the same thing that was in the letter and they said they were going to mail out a replacement. They never mailed it out and the next thing I got was a collections notice. I called them again and they said a case supervisor would help me with in 24-48 hours and 5 days later no one has still reached out to me. I spoke to multiple people with the company who agreed that what happened was fraud then i spoke to one supervisor who said I was scammed and thats not the same thing as fraud. Even though multiple other employees admitted it was and it was their mistake I didnt receive any paperwork. I even read the definition of Fraud to this supervisor and she still would say I was scammed and say theres a difference between being scammed a defrauded... The supervisors name was XXXX and they can check the call logs for this and for everyone who was suppose to do what they said they were going to do.

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