vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-24 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:
This is my second time opening a dispute for the same issue that was never resolved. First compliant is XXXX and feedback was provided with no resolve. Lets try this again, after numerous calls over the past five months or so creditors are unable to access my Equifax credit report and your customer service reps are very incompetent and love to transfer and disconnect. My issue is exactly the same as the folks on this thread : https : XXXX. I am currently unable to sign up for XXXX because I receive the message that " While processing FICO Premier, we discovered a mismatch in the personal information you submitted and are unable to deliver your data from Equifax ... XXXX '' I have attached a screenshot to this complaint. Also I am unable to retrieve a credit report from XXXX although at this time this is the least of my concern since you guys keep sending me credit reports when I file complaints or call in to complain. See attached screenshot. 

So here is what I need from you EQUIFAX. Fix whatever errors there are on the backend ASAP! It is my right to have access to my credit report and credit scores whenever I desire according to the Fair Credit Reporting Act and you are hindering this. Have the Office of Consumer Affairs check my profile please as they have corrected many others issues from the link I provided above. Do not send me another credit report as resolution!!!!!!!! I have also contacted my Attorney General and will continue to fight until you fix my profile in your system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is like my 3rd or 4rh time filing the same complaint against the same credit agencies. Im still having to reset my passwords every day or Im getting locked out of my account this happens every day and yall say its going to be fixed and nothing has happened and Im getting tired of it. Im paying for stuff I cant access. Im also paying to update my credit report every day thats not working. These credit agencies are no good I bet if I had to log in to pay a bill it would log me in real easy. Of I continue to have his issue like I have been Im goi g to see what type of legal action I can take against XX/XX/XXXX, Equifax and XX/XX/XXXX. This been going on 2 months now every since I did my identity theft report and disputed thing that was not mines. I e been on the phone all day everyday with these companies and nothing is getting resolved. Equifax says they do t have enough credit on me to provide me a score and respfuse to let my credit company report my payments. And there allowing it to go down and XX/XX/XXXX just refuses to do anything. My profile cant. E locked because I have a dispute thats been open since XX/XX/XXXX and they wont tell me anything so while there not doing anything my information can be accessed all because I cant lock my profile. If its like hat hen I fathers all 3 agencies remove my freezes and credit locks off there site because its doing more hard then good and here not protecting anyone from identity theft so whats the point. Just remove my stuff you have my permission since no one is not doing anything.its tiring and XXXX me off. If my identity it stolen again or my reports are access by someone I didnt give permission too I will be filing a lawsuit against anyone involved. Thats mean XXXX 3 credit agencies and all the consumer websites thats Involved in making decisions on my personal reports. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I've sent in copies of proof of IDENTITY more than 12 times this year alone for me and my XXXX  kids. I sent ID for me and daughter, our social security cards, both certificates, court order showing proof of guardianship shot records and school records. Alone with a notarized letter on what to remove and why with 7 Police Reports from. XX/XX/XXXXthat I have had to file due to stolen wallets, etc. I never get a response in the mail. When I do they state I need to be verified when I already sent in enough proof ... more than what they've asked for. I got a copy of my XXXX  data that have gathered and 65 % has nothing to do with me. My information is being sold, traded, etc. I sent out mail with trackers recently and still haven't heard back from neither credit reporting

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 2020-10-24 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had two fraudulent charges from the same vendor ( XX/XX/XXXX) show up on XXXX XX/XX/2020 on my Chase credit card. Only one of the transactions triggered an alert. I received that fraud alert and I acted on it and the charge was dismissed ; but the second charge of {$95.00} did not trigger an alert and now I can't get Chase to refund me the money. 

Their website instructions say that I can click the " Dispute a Transaction '' link in theXX/XX/XXXX detail tab, but that link does not exist. I have tried for months to reach Chase, but the only way to dispute a claim is to call their 1-800 number, and every time I've tried that no one has picked up or I have been disconnected. 

The fact that they don't have a self-identify fraudulent activity functionality, don't have the bandwidth to answer their fraud hotline, don't have a chat function on their website to assist customers, haven't provided an email address, and can't flag a fraudulent vendor within their system are all concerning. A bank like Chase should have these measures in place. They do not have basic fraud reporting measures in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cedars Business Services, LLC
State: NJ

Complaint narrative:
XX/XX/XXXX charged me {$210.00} XX/XX/1929 and they did not talk to me about my rights that I could dispute. XXXX XXXX  sent the funds to be collected to cedar business now XXXX is due

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is like my 3rd or 4rh time filing the same complaint against the same credit agencies. Im still having to reset my passwords every day or Im getting locked out of my account this happens every day and yall say its going to be fixed and nothing has happened and Im getting tired of it. Im paying for stuff I cant access. Im also paying to update my credit report every day thats not working. These credit agencies are no good I bet if I had to log in to pay a bill it would log me in real easy. Of I continue to have his issue like I have been Im goi g to see what type of legal action I can take against transunion, XX/XX/XXXXand XX/XX/XXXX. This been going on 2 months now every since I did my identity theft report and disputed thing that was not mines. I e been on the phone all day everyday with these companies and nothing is getting resolved. XX/XX/XXXX says they do t have enough credit on me to provide me a score and respfuse to let my credit company report my payments. And there allowing it to go down and transunion just refuses to do anything. My profile cant. E locked because I have a dispute thats been open since XX/XX/XXXX and they wont tell me anything so while there not doing anything my information can be accessed all because I cant lock my profile. If its like hat hen I fathers all 3 agencies remove my freezes and credit locks off there site because its doing more hard then good and here not protecting anyone from identity theft so whats the point. Just remove my stuff you have my permission since no one is not doing anything.its tiring and XXXX me off. If my identity it stolen again or my reports are access by someone I didnt give permission too I will be filing a lawsuit against anyone involved. Thats mean XXXX 3 credit agencies and all the consumer websites thats Involved in making decisions on my personal reports. 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 2020-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is like my 3rd or 4rh time filing the same complaint against the same credit agencies. Im still having to reset my passwords every day or Im getting locked out of my account this happens every day and yall say its going to be fixed and nothing has happened and Im getting tired of it. Im paying for stuff I cant access. Im also paying to update my credit report every day thats not working. These credit agencies are no good I bet if I had to log in to pay a bill it would log me in real easy. Of I continue to have his issue like I have been Im goi g to see what type of legal action I can take against XX/XX/XXXX, XX/XX/XXXXand experian. This been going on 2 months now every since I did my identity theft report and disputed thing that was not mines. I e been on the phone all day everyday with these companies and nothing is getting resolved. XX/XX/XXXX says they do t have enough credit on me to provide me a score and respfuse to let my credit company report my payments. And there allowing it to go down andXX/XX/XXXXjust refuses to do anything. My profile cant. E locked because I have a dispute thats been open since XX/XX/XXXX and they wont tell me anything so while there not doing anything my information can be accessed all because I cant lock my profile. If its like hat hen I fathers all 3 agencies remove my freezes and credit locks off there site because its doing more hard then good and here not protecting anyone from identity theft so whats the point. Just remove my stuff you have my permission since no one is not doing anything.its tiring and XXXX me off. If my identity it stolen again or my reports are access by someone I didnt give permission too I will be filing a lawsuit against anyone involved. Thats mean XXXX 3 credit agencies and all the consumer websites thats Involved in making decisions on my personal reports. 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 2020-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
In XX/XX/ I was notified by Franklin Collections that I had a {$280.00} unpaid balance with XXXX XXXX XXXX. I informed them that I had filed a police report because I do live, nor had I ever lived, at the address of service. I also told XXXX XXXX XXXX in XX/XX/ when they began harassing me that I did not own this account contrary to my name being on it. XX/XX/XXXX XX/XX/XXXX could not verify me to discuss specifics on the account because I couldnt provide the address or phone number associated with the account. I have made several calls to XXXX XXXX XXXX and Franklin Collections, filled out fraud reports for both and sent in the police report. It is my opinion that XXXX XXXX XXXX is trying to collect twice on this debt. Once from the perpetrator of my identity theft and once from me, the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: NC

Complaint narrative:
My identity was compromised and there has been numerous accounts have been open and inquiries. the fraudulent information i was able obtain is listed below. 



CLOSED ACCOUNTS : XX/XX/XXXX opened XX/XX/XXXX ( 3 yrs, 5 mos ) with a balance of {$2400.00} OPEN ACCOUNTS : XXXX XXXX - XX/XX/XXXXXXXX  Opened XX/XX/XXXX ( 8 mos ) with a balance of {$1000.00} AUTO LOAN : XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$8900.00} XXXX XXXX XXXX XXXX {$500.00} Balance updated XX/XX/XXXX Exceptional payment history INQUIRIES : XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/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 2020-10-24 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: NC

Complaint narrative:
My identity was compromised and there has been numerous accounts have been open and inquiries. the fraudulent information i was able obtain is listed below. 



CLOSED ACCOUNTS : XX/XX/XXXX opened XX/XX/XXXX ( 3 yrs, 5 mos ) with a balance of {$2400.00} OPEN ACCOUNTS : XXXX XXXX - XX/XX/XXXXXXXX  Opened XX/XX/XXXX ( 8 mos ) with a balance of {$1000.00} AUTO LOAN : XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$8900.00} XXXX XXXX XXXX XXXX {$500.00} Balance updated XX/XX/XXXX Exceptional payment history INQUIRIES : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: UT

Complaint narrative:
XX/XX/2020 for {$40.00} the company only connects with members by email and never respond or help resolve the issue, the transfer was never received so I requested a refund but theres no way to refund the payment because it doesnt show on the persons account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: FL

Complaint narrative:
I attempted online to place a credit freeze on my credit report at Equifax but was instructed by their website to download a form, fill it out and mail or fax it to the address indicated on the form along with a copy of my Social Security card and driver 's licence. I mailed the form along with a copy of my driver 's licence and a copy of my Social Security card to the address indicated on the form from around the XXXX XX/XX/2020. To date I have not received an acknowledgement from Equifax that they received my documents. I again attempted online to place the credit freeze on my credit report and failed to do so, I called Equifax and attempted to get it done and this was also a failure. I have uploaded a copy of the form I mailed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am following up on my original complaint, # XXXX. The lender asked for some time to research the complaint and contact me with their findings. It has been 30 days since our last communication. I don't want my credit hit with negative reporting while waiting for a reply.

As stated in the previous complaint, I have a first mortgage that holds an escrow and pays my property taxes. This mortgage should have been in the second position and forgiven going back to early 2000, s.

Please contact me with an update in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-10-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-10-24 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
My account was showed on the credit report as being late in XXXX and XXXX, I've always paid my account on time before the Covid -19 crisis, I contacted the company to let them know I was quarantined for two weeks both months due to covid exposure and the creditor told me it would not be a problem and it wouldn't affect my account but they still reported late payments to my credit report, I have disputed the account and provided paperwork but both times nothing has changed

Company response to consumer: Closed with explanation