vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent disputes letters because there was inaccurate information on my credit report. its been more then 45 days with no response no nothing. I have sent multiple letters in regards to my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: UT

Complaint narrative:
Late in the day on XXXX, I transferred money to a person via Zelle in my XXXX app for tickets to an event in the amount of {$450.00}. On the morning of XXXX, the tickets had not arrived. I contacted the person via text who never responded. I then called them, they immediately hung up and blocked me. I immediately called chase bank to stop the transfer as it was a scam. XXXX XXXX  told me that because of the terms and conditions with Zelle, there were no actions that they would take. I then called Zelle, where I could not reach a person via phone. Via XXXX messaging with Zelle, they told me that they offer no protection to their users and I would have to file a claim with my bank. I then contacted XXXX via XXXX XXXX  and additional phone calls and was told repeatedly that they care for the customers but they made no attempt to obtain the money from the scammer. I was in contact with both companies less than 12 hours after the transfer occurred and neither made any attempt to rectify the situation and sent me on a wild goose chase with neither company having any accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I got these accounts that does not belong to me and i want them to be remove from my credit report. 

1. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

2. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

3. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I received another letter from Harris & Harris, Ltd.dated XX/XX/2021. I requested them to provide me the information under the Fair Debt Collection Practices Act ( FDCPA ). I requested a VALIDATION made pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. They continue to ignore my request and instead they continue sending letters after letters for the same reason. I do not have any knowledge of this account. I am requesting for them to provide me with what I am asking. They need to provide me a validation of HIPAA with my signature on it. In addition, a contract with my signature on it. All my letters were sent certified letters with a returned receipt just to ensure they received my request. Certified number for the first letter is XXXX and the second letter is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Late in the day on XXXX, I transferred money to a person via XXXX in my chase app for tickets to an event in the amount of {$450.00}. On the morning of XXXX, the tickets had not arrived. I contacted the person via text who never responded. I then called them, they immediately hung up and blocked me. I immediately called chase bank to stop the transfer as it was a scam. Chase bank told me that because of the terms and conditions with XXXX, there were no actions that they would take. I then called XXXX, where I could not reach a person via phone. Via XXXX messaging with XXXX, they told me that they offer no protection to their users and I would have to file a claim with my bank. I then contacted chase via XXXX XXXX  and additional phone calls and was told repeatedly that they care for the customers but they made no attempt to obtain the money from the scammer. I was in contact with both companies less than 12 hours after the transfer occurred and neither made any attempt to rectify the situation and sent me on a wild goose chase with neither company having any accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Remove all the negative inaccurate accounts from my credit report immediately Experian is committing to many unfair acts and violations to my report

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 2021-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased 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 2021-07-07 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: Security Credit Services, LLC
State: MD

Complaint narrative:
On XX/XX/2021 I realized I had a negative remark on my credit report made by Security Credit Services , LLC in the amount of {$1500.00} ( see negative_remark.jpg ). On XX/XX/2021, I sent them a registered letter via certified mail, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see security_credit_services_letter.pdf ). 
I mailed Security Credit Services , LLC the registered letter to two known addresses and have yet to receive a response. The registered letters were sent by Certified Mail via USPS ( see certified_mail_receipts.jpg ). These letters are tracked and they show that they have been delivered, signed for, and received by a Security Credit Services representative. It has been nearly 40 days and I have yet to receive any response from Security Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TN

Complaint narrative:
I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: UT

Complaint narrative:
Transunion is falesley reporting a 90 day late payment on our Mortgage for a house in that was sold. The mortgage company XXXX XXXX XXXX when contacted says they show no late payments and that per COVID rules the loan was in forbarence and not reported as late. We. also have the forbarence letters and records showing no late payments. Please see the attached 2 credit reports that clearly show XXXX XXXX XXXX XXXX was paid with NO LATE PAYMENTS ever! 

This was disuputed 3 times in a row with Transunion and they still have not fixed the issue. All other credit repoirts show no late poayments. Further you can not talke to a live person and or access their website currently. There's no way to get them to correct it as it seems to be all automated and resets back to the inncorect data. 

This is impacted our credit and ability to purchase a home.

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 2021-07-07 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: PA

Complaint narrative:
I never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. 
The accounts attached below I am demanding a removal as a consumer.

15 United States Code 1681b- Permissible purposes of consumer reports ( a ) In general ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I had 2 credit cards with capital one and I was laid off or put on furlough in XXXX of XXXX at the start of the pandemic and I opened the accounts in XXXX and never had a late payment until I was out of work and I tried to rectify the situation with capital one and they continued to assess interest and late fees until it got to an insurmountable amount for me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Im a customer of Capital One Quick Sliver and Walmart card. Ive had my QuickSliver card about 5 years. Walmart 3 years total credit limit for both cards are {$1100.00} which is very low considering my other accounts which are as high as {$7000.00}. Ive asked for credit increase and Im told Your recent credit line usage is too low when I go to solutions, Im told do the following .To receive credit line increase in the future. Be responsible using your card, set up auto pay get notifications so you know when your payment is due and make more than the monthly payment. I have all the above also my minimum Monthly payment is {$27.00} I pay {$100.00} or more. In the past year Ive paid capital one over {$4000.00}. Tell me how thats too low, considering Ive asked when Ive had a balance of {$400.00} and my recent credit line usesge has been too high! Between both cards Ive given Capital One over {$4000.00} in the past year not including past. I even continued keeping my cards active when Capital One for whatever reason, which had never been clearly explained remove my Quick Sliver account from all the credit bureaus and it took me a year to have my account put back on all three credit bureaus. That cost me points which adds up to money as far as interest.I lost points due to Capital Ones fault. Ive never once been late my credit score is almost exceptional. I cant continue having a relationship with a corporation that slaps good standing customers in the face. Ive continued to give Capital One chance after chance. Last month XXXX I had a balance for {$270.00}. XXXX I was out of state on business and didnt pay my account off before it was reported. I lost 9 points, as soon as I received the notification from the credit bureaus I paid the amount off in full. My credit score went up 7 points. If Capital one cant raise the credit limits I will have no choice but to close both accounts. I want to know what Capital One expects. Ive been told through customer service that I dont pay enough and I dont pay interest and Capital one has denied my request because theyre picky. Really? Someone that has good credit makes more than the monthly payments, never late isnt good enough? Remember, Im being turned down because My recent credit usage is too low over {$4.00} between both cards in a year is too low. Whats the magic number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have never given Transunion my written consent to report anything on my consumer report. 15 United States Code 1681b Permissible purposes of consumer reports ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
The accounts below as a consumer I am demanding you to remove these accounts once receiving this dispute.

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 2021-07-07 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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
As per FTC and FCRA implementation : Disputes to Furnishers You must investigate a consumers dispute if it relates to : the consumers liability for a credit account or other debt with you. For example, disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; the terms of a credit account or other debt with you. For example, disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; the consumer 's performance or other conduct concerning an account or other relationship with you. For example, disputes relating to the current payment status, high balance, date a payment was made, amount of a payment made, or date an account was opened or closed ; or any other information in a consumer report about an account or relationship with you that affects the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle. Furnisher Rule 660.4 ( a ) You must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e ) I have never received the results 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
Consumer complaint received 2021-07-07 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what I know are erroneous from 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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After making several calls to Transunion explaining that my identity has been stolen I have been instructed to send them the identity theft report to have this information permanently deleted from my credit but they keep saying they are not getting the identity theft report but I have sent several times without these items being deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/2020 chime bank closed my account at XXXX $ chime ask me to send in documentation to verify the funds in the account I sent legal documentation to chime numerous of times chime informed me that they could not restore my account and any funds in the account I should talk to the sender I have tried speaking with the sender they have yet to receive funds from chime its now XXXX again going on a year I havent received my funds from chime I have worked hard for my funds although with this change in my life I no longer have a job or home because of this I have told my landlord I would pay but I couldnt because chime took my money this isnt right now I am sleeping from house to house trying to get back on track I am sick I have gotten my attorney involved but that isnt something that I want to do but they are actually pushing it they dont respond to emails I have two complaints and my attorney is now working on this I dont want to move forward with this lawsuit at all but I have to do whats best for me If chime is willing to open my account back up and let me retrieve my funds I will stop the lawsuit I am putting against them I just need help with getting my funds back chime have no right to closed my account because of a amount that was deposited thats very hurtful

Company response to consumer: Closed with explanation