vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-12-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, 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 2021-12-15 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This account is not mine. The name of company is XXXX XXXX and this account was opened on XX/XX/XXXX. I am a victim of identity fraud and I have spoke with both creditor and credit bureaus about this account and it has been removed from all three bureaus but has been put back on my XXXX only. I requested for more information pertaining to this account from both creditor and credit bureaus and nothing has been sent in over 90 days. 

Navy federal credit Union was opened XX/XX/XXXX and its reporting inaccurate/incorrect information pertaining to late payments and I requested for proof by creditor and credit bureaus and both told me they cant provide further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
My credit reports shows a debt collection of {$93.00} from a company called The Law Offices of Mitchell D. Bluhm and Associates ( MBA law ). The debt was paid but there has not been any update reflecting on my report. I was told once I paid the settled amount of {$65.00} it would be removed from my credit report but that is not the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 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: NY

Complaint narrative:
On XX/XX/2021, someone attempted to get XXXX credit in my name. I immediately contacted XXXX. The representative said, " If you had not contacted us, we were going to contact you. '' The XXXX representative notified all three credit bureaus. XXXX XXXX and XXXX immediately removed the fraudulent inquiry. Equifax has refused despite numerous disputes.XXXX provided a fraud alert on my file with all three credit bureaus. 

Today, I spoke with Equifax supervisor XXXX XXXX, who was patronizing, uninformed, and perfectly satisfied with leaving a fraudulent hard inquiry on my account. I asked XXXX XXXX to add a consumer statement regarding this situation. As of this writing, he has not. I have filed XXXX disputes since XXXX. 

I respectively ask that the XXXX and Equifax immediately remove the fraudulent XXXX hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX - I applied for the XXXX XXXX XXXX Credit Card through J.P. Morgan Chase. I received an invitation in the mail that I was pre-approved with the XXXX credit card based on my history of banking with Chase. I was given a unique invite code to apply on my application. 

The first red flag occurred when I applied for this credit card, where I received a message letting me know that Chase needed to review my application further. I received zero communication until XX/XX/XXXX. The communication received on XX/XX/XXXX asked that I call Chase 's number ( XXXX ) to confirm if the application was mine. I called the number, only to be placed on hold for XXXX hours and being dropped off from Chase . As shown in the screenshots below, I was put on hold separate times for XXXX, XXXX, XXXX minutes with no answer from Chase. I tried calling back again on XX/XX/XXXX with the same issues. I have a full-time job and can not wait around all day for someone to help me with this. 

I went ahead and called Chase client services ( a separate division ) to see if they would be able to connect me, they were able to connect me to a representative to look at my application. The representative did not seem knowledgeable at all and said my application was denied on XXXX when I had applied. I let the representative know that I received communication that I needed to call back the number provided above to confirm my application. He seemed confused and said he would transfer me to the next representative. However, I was again on hold for XXXX minutes and then dropped from the call from Chase . 

In this instance, Chase has failed to notify me immediately that my application was denied - resulting in me waiting to receive a credit line and further delaying purchases I was planning on making. Additionally, Chase has failed to properly amend the issue of confirming my account application by not answering the phone and dropping me off after XXXX minutes of waiting. The lack of communication, inability to resolve the issue and misleading pre-approved marketing that I was sent is why I am writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Social Finance, Inc.
State: NY

Complaint narrative:
In XX/XX/2021 SOFI LENDING CORP with account number XXXX was taken off my credit report and now has been put back on it. This company does not have this loan as it states on the credit report that it has been Transferred. The Account Status is reporting it as derogatory and this account does not even have a balance reporting on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 I authorized a transaction for {$250.00} via XXXX XXXX to a local person for a XXXXXXXX XXXX XXXX that I was suppose to receive later that night. We have had dealings in the past so I thought I could trust him but I was wrong. On XX/XX/2021 I sent him a request via XXXX XXXX for the money back because I still did not have the XXXX  in my possession he declined it. I also wrote him messages via XXXX asking if he had the XXXX or not and if not send my {$250.00} back. He never responded so I contacted my bank Chase to dispute the charges on XX/XX/2021. I received a notice on XX/XX/2021 stating the transaction was authorized or correct and they are reversing the money back to the person for the item I never received. I called Chase XX/XX/2021 after noticing my account was overdrawn for over {$200.00}. They informed me that they did not have the authority to get the funds for me because XXXX XXXX is a separate medium and Ill have to go through them to get my money back which is unbelievable because I disputed a {$25.00} XXXX XXXX  transaction through Chase the same day as the {$250.00} transaction. It was approved and final but the {$250.00} was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-12-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, 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 non-monetary relief
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, 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 non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Please access my attached statements for account number XXXX. On XX/XX/2021, I bought a product for {$490.00}. The product was electronic and did not work : it did not take a charge. 
I returned the product via U.S. Mail in a timely manner with tracking number XXXX. 
I was charged interest for the period I had the faulty product. I didnt think I should be charged interest for a product that never worked. I called Nordstrom Card Services, I was told that the bill would be adjusted. I then proceeded to get late charges. Throughout the summer. I called the credit department again and was told that the charges would be removed In my final conversation with Nordstroms credit in XXXX, I paid the balance, not in agreement with the charges, but to irradicate the negative reports to my credit report. 
I have always paid the balance of the credit card whenever there was a balance. 
In light of the circumstances, and my payment history to Nordstroms Credit, I am asking that the derogatory reports to the credit report be reversed and removed by you. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
on XX/XX/XXXX I order a new debit card after Capital One because someone was trying to charge me for things I didn't order with my debit card. No one had authorization to charge my card after XX/XX/XXXX on XX/XX/XXXX Capital One allowed XXXX rent car to charge my card this charge put my account in the negative of {$2300.00}. I rented a car from XXXX I purchase insurance and that was two months ago I should've been charge this. I will be filing a complaint against XXXX too. Once I notice the charge on my bank checking account I did dispute this charge on the XX/XX/XXXX. The problem I'm having is my direct deposit from my job will go to this account this will stop me from paying my bills, having money to go to work and buying food. Capital One are taking they time with dispute they are getting the record mix up. I ask to speak with their headquarter office the clerk staff refuse to give out the number so I can file a complaint about this issue. I'm asking for assistance from your office so this issue can be address asap so I can pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
A company from XXXX is selling products on XXXX as an American looking company which scammed me for $ XXXX. I have submitted a complaint in XXXX XXXX and XXXX about this and my bank refused to issue this money back to me. The bank is stating that if I send back the incorrect merchandise the merchant will process the refund. It costs {$150.00} to send the incorrect item back which is more than the item itself. I ordered a XXXX item and the company purposely sent me a package that weighed XXXX. 

I asked the USPS service to confirm the tracking number and after their investigation they determined that this is fraud/scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: FL

Complaint narrative:
On XX/XX/2021 I was a victim of online investment fraud through the social media platform XXXX. I was contacted by XXXX XXXX XXXX page of a high school classmate whom I assume their XXXX page was hacked into. They reached out to me about an investment opportunity with Cryptocurrency. The person claimed that by sending any crypto worth at least a minimum of 1k or more of bitcoin to a crypto wallet address, in 15hrs max you'll in turn receive $ in USD. The person explained this is achieved by a miner using the Bitcoin towards a higher hash rate in mining the Bitcoin by validating blockchains through a continuous script to unleash even more Bitcoin. The person had me send 3k worth of cash via a Zelle/XXXXXXXX transaction to two email addresses : XXXX and XXXX The person claimed that by the next morning, I should receive all the return money via XXXX and I should give them 15 % cut. The next morning, the person reached out and asked if I had received the money. When I confirmed I did not receive the money, the person went ahead and asked me to provide them my XXXX  email address and password for verification purposes and a picture of my license ID. This is when I realized this was a scam and contacted my bank and Zelle immediately. I attempted to report the person 's XXXX as well as the others whom he is using as witnesses but was unsuccessful as XXXX didn't do anything about it. When looking into my XXXX  page, I also realized my XXXX page had been logged into from Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, 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 2021-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX, I spoke with someone from XXXX because a collection appeared on my report for {$310.00} and they stated that the company americollect has the account and Verbally verify the account with no type of info on what the account was all they know it is a medical account I contacted Americollect and they stated it was a medical account from XX/XX/2019 which was from a doctor XXXX they could not give me any information on the account so I proceeded to ask XXXX to investigate this again and all they could say is that they would have to verify that this is my account with no itemized statement or anything pertaining to what it is please help me I dont know what this account is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation