vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: NY

Complaint narrative:
I logged into my credit report for Equifax on XX/XX/XXXX like I do every Friday. This is the first time this has ever showed up on my credit report and it said it has been opened since 2016. I have no idea what this bank is, never got anything in the mail from them, never seen this before. I called and gave them my SSN and they have nothing for me under it. They just slapped a random card on my report and called it a day. Im trying to buy a house I cant have a credit card with 101 % usage on my credit report. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: Chime Financial Inc
State: TX

Complaint narrative:
Chime states they pay 2 days early. The way it normally works, my payroll processes and I am credited in my Chime account 2 days later. On XX/XX/21 my payroll processed. I had {$100.00} set up on direct deposit with Chime and the funds posted in my Chime account on XX/XX/21. Since that direct deposit was successful, I tried again because I have a disconnect notice for my lights on which I am on a deferred payment plan and can not be late with my payment. I scheduled {$270.00} to deposit to Chime who said the only day they were not processing was XX/XX/21. My payroll processed on XX/XX/21. Chime states Friday XX/XX/21 was not a bank holiday for them. Here it is XX/XX/21 and I still do not have my funds available in Chime. I called and customer service knows nothing only tells me what I can see, the money is not there. I am being told to call my job and I confirmed a direct deposit for {$270.00} was processed to go to Chime on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX removed {$990.00} from my checking account. The money was sent to a XXXX XXXX XXXX XXXX XXXX in California. The money was sent using XXXX/PNC. Ive called and emailed PNC several times with out results! This is XXXX/PNC fraud !

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry 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 non-monetary relief
Consumer complaint received 2021-11-29 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: LEXISNEXIS
State: NJ

Complaint narrative:
I submitted a dispute to XXXX earlier this month regarding an alleged bankruptcy on my credit report. According to their website an investigation was opened on XX/XX/XXXX and was closed on XX/XX/XXXX and the bankruptcy remains on my credit report. According to XXXX they verified the bankruptcy information with Lexis Nexis. This statement is as a result of an error on their part or either is an outright lie as I have documentation from Lexis Nexis stating that this information is not on file with them. If a complete investigation had been made it was not verified by Lexis Nexis. I'm including Lexis Nexis in this complaint so that they can answer clearly about whatever this potential mix could be as the paperwork that they recently sent me dated XXXX, stated that the bankruptcy was not on file with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TN

Complaint narrative:
XX/XX/XXXX Sent and Received certified mail for Demand Debt Verification and Cease & Desist from reporting. I C System has flagged your account as Collections on XX/XX/XXXX. 
XX/XX/XXXX I have not received any verification of debt or reply. Company violated the cease and desist by reporting to credit bureau with providing me written proof as requested. 
I filed a complaint with CFPB XX/XX/XXXX case XXXX CLOSED but have not receive any proof of debt or signed document by me that validates the debt and its been over 90days. 
Laws in 15 USC 1692 have been violated by the company 's actions and I demand all Remove all negative reports to all bureaus immediately! 
I will be looking to file suit and complaints with XXXX because my rights and livelihood has been affected by their actions

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 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One did not address my request they closed my account which is a direct violation of my consumer right pursuant:15 USC 1602p . They did not respond to my Affidavit Of Truth or my desired remedy, and continue to violate my consumer rights. They did not honor my Cease and Desist or respond to my Affidavit Of Truth. They instead closed my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: LA

Complaint narrative:
I am added on a credit card with Navy Federal as an Authorized User I have no idea who the card belongs to or who this person is. Ive been trying to get Navy Federal to remove me from this card and this account from my credit report for over a year now. The only information I have for the account is Account number XXXX. Thats it. 


Please remove this account from my credit reports as I do not know this person, I do not know how they have access to my personal information and I do not know how a card was issued and I was added to this account without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
Back at around 2002 I noticed amount on my card that I didn't recognize, a coworker at the time ( XXXX XXXX ) referred me to a guy ( XXXX XXXX ) that was helping him with something similar. A few days later he show at my home claiming to be affiliated with the XXXX XXXXnd after gaining my trust he left my place with lots of personal information and multiple documents to supposedly help me out. Time went by and I started getting more and more letters of me owning stuff but I after m telling them it wasn't me some will stop. Others didn't but nobody ever took money from me till now. Now I being garnish by a firm Messerli/Kramer and I don't know what to do. 20 % every week for something I didn't do seems terrible. At this time I even canceled XXXX and not looking forward to XXXX. Not sure what to do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: NJ

Complaint narrative:
I submitted a dispute to Equifax earlier this month regarding an alleged bankruptcy on my credit report. According to their website an investigation was opened on XX/XX/XXXX and was closed on XX/XX/XXXX and the bankruptcy remains on my credit report. According to Equifax they verified the bankruptcy information with XXXX XXXX. This statement is as a result of an error on their part or either is an outright lie as I have documentation from XXXX XXXX stating that this information is not on file with them. If a complete investigation had been made it was not verified by XXXX XXXX. I'm including XXXX XXXX in this complaint so that they can answer clearly about whatever this potential mix could be as the paperwork that they recently sent me dated XXXX, stated that the bankruptcy was not on file with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: NJ

Complaint narrative:
I've called Experian Dispute Center via telephone number XXXX on Monday, XX/XX/2021 at approximately XXXX EST and Talked to a Specialist by the name of XXXX XXXX 

I've asked XXXX, how Experian scores are calculate and how it arrives at XXXX XXXX score on my report, when both XXXX and XXXX are showing a XXXX score of XXXX and XXXX  respectively. I asked her, how could the scores are so far off when the other Credit Reporting Agencies has the same information! The specialist couldn't provide an answer nor a specific link from its own website. And when I asked to be transfer to a Supervisor or a Manager, she just said " there's no one to speak with besides me ''. 

Furthermore, I asked her if debt to income ratio is under 4 % and my credit utilization is under 3 %, how do you explain such a low score.

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 2021-11-29 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: TX

Complaint narrative:
Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: NJ

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 2021-11-29 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: LA

Complaint narrative:
I am added on a credit card with XXXX XXXX as an Authorized User I have no idea who the card belongs to or who this person is. Ive been trying to get XXXX XXXX to remove me from this card and this account from my credit report for over a year now. The only information I have for the account is Account number XXXX. Thats it. 


Please remove this account from my credit reports as I do not know this person, I do not know how they have access to my personal information and I do not know how a card was issued and I was added to this account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: LA

Complaint narrative:
I am added on a credit card with XXXX XXXX as an Authorized User I have no idea who the card belongs to or who this person is. Ive been trying to get XXXX XXXX to remove me from this card and this account from my credit report for over a year now. The only information I have for the account is Account number XXXX. Thats it. 


Please remove this account from my credit reports as I do not know this person, I do not know how they have access to my personal information and I do not know how a card was issued and I was added to this account without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 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: FL

Complaint narrative:
I'm nervous and shocked! My credit score is so bad! What happened to my account? I cant even sleep and eat! Someone hacked my personal information because otherwise I don't understand how I get these accounts on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: MI

Complaint narrative:
XX/XX/2021 Credit Solution Sent a notice that a notice was sent on XX/XX/2021 an attempt to collect a debt of {$190.00} they're third party debt collectors I do not owe this debt I don't have a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Entered wrong account number for wire transfer. Immediately called Wells Fargo on XX/XX/2021 to initiate dispute and pull the funds back. Received claim number called today XX/XX/2021 to follow up. I was transferred XXXX trying to get someone to assist with the claim. Nobody will take accountability on who is responsible for handing the 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 2021-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I am trying to find out what my payment will be in XXXX when student loans go into repayment. On XX/XX/XXXX I checked my account and could not find this information so I sent an email to my loan servicer asking how much my payment would be. Fedloan Servicing sent a confirmation email that they received my email, however, I did not receive a response to my question. 

On XX/XX/XXXX I called my loan servicer to ask what my payment would be. I stayed on the phone for approximately XXXX minutes and no customer service representative took my call. I selected the option to receive a call back. They never called me back. 

I have now sent an additional email on XX/XX/XXXX again asking for what my payment will be in XX/XX/XXXX. Again Fedloan Servicing sent an email confirming the receipt of my email, but still not response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

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 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on 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 non-monetary relief