vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 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: CT

Complaint narrative:
I reached out to the three bureaus and told them about at debt on my report that doesn't belong to me and asked them to prove the debt with my signature and the validity and send me the results and they have not. The item is XXXX XXXX # 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 2021-04-16 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: CT

Complaint narrative:
I reached out to the three bureaus and told them about at debt on my report that doesn't belong to me and asked them to prove the debt with my signature and the validity and send me the results and they have not. The item is XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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:
My wallet was stolen several yrs ago in which I only replaced my ID and social but did not report it stolen. I replaced bank/credit card. I did not know that having those things stolen would affect my credit if I blocked my credit cards. I have reached out to all 3 credit bureaus numerous times as well as the creditors and no help with anything on my Experian report there are 3 items that are not mine which are : XX/XX/XXXX XXXX XXXX for {$2600.00} tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX  for {$10000.00} tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX {$1100.00} tried contacting creditor disputed this item for my XXXX  reporting there are 2 accounts that are reporting on my credit report that are not mine and 8 inquiries that are not mine which are : XXXX XXXX, XXXX XXXX XXXX XXXX {$1100.00} tried contacting creditor disputed this item The inquiries are as followed : XXXX XXXX XXXX XXXX XXXX  XXXX tried contacting creditor disputed this item XXXX XXXX XXXX XXXX XXXX XXXX  tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX  tried contacting creditor disputed this item for my XXXX report there are 2 accounts that are not mine and 8 inquiries that are not mine which are : XX/XX/XXXX XXXX XXXX XXXX for {$10000.00} tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX {$1100.00} tried contacting creditor disputed this item The inquiries are as followed : XXXX XXXX, XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this itemXX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX  tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this itemXX/XX/XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX  tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX tried contacting creditor disputed this item all of these things should be removed from my reports and blocked

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 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
I was contacted via mail by Sequium Asset Solution, LLC in XX/XX/XXXX. Their letter was dated XX/XX/XXXX about an outstanding balance with XXXX of {$400.00}. Which includes {$200.00} for the final bill and {$200.00} for the equipment charge totaling {$400.00}. 

I paid the balance of {$200.00} on XX/XX/XXXX through XXXX ( XXXX  ) website and called Sequium Asset Solutions stating that I paid the final balance of the bill that XXXX sent to me dated XX/XX/XXXX. On that bill from XX/XX/XXXX that XXXX sent me, it was noted that the {$200.00} charge was credited because I had returned the equipment back to them which is also noted on the XX/XX/XXXX bill that I returned the equipment in-store to XXXX on XX/XX/XXXX. The gentlemen that I spoke to noted my account and stated they would contact XXXX and dispute the charge with them. After receiving no response of the dispute or an account update I sent them a debt validation letter and they did not response to it. Instead they listed the account on my credit reports for a balance of {$200.00} still due. I have verified with XXXX over the phone during the month of XXXX, as well as most recently XX/XX/XXXX in-person at the XXXX- XXXX store and over the phone to make sure that I owe XXXX no further debts on my previous account. I have disputed with the credit bureaus and showed proof that XXXX has received both final payment and the equipment back. There is no further amounts or equipment that I owe. 

When I noticed the Collection account on my credit report on XX/XX/XXXX I contacted Sequium and even though I provided proof via mail and online they refuse to acknowledge that I returned the equipment and even wanted me to pay the {$200.00}. They specifically mention it is for the equipment and they ignore any proof coming from XXXX which is the Final bill dated XX/XX/XXXX which is clear as day stating that there is a credit of {$200.00} and a new balance of {$200.00} ( which I mentioned I had already paid ). They also choose to ignore the receipt of return which even provides the serial numbers of the equipment I returned. 

XXXX has stated multiple times that I do not owe any debts with them and they have received final payment and equipment. They have stated they do not know why the Collection Agency continues to try and collect the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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:
I am having an issue getting fraudulent information Blocked from my credit file. I sent in originally a copy of my police report. There were several Fraudulent accounts and most were blocked but I believe that whatever representative processed the paperwork must of missed one of the fraudulent accounts. This account is with XXXX XXXX act XXXX and XXXX XXXX XXXX XXXX. I am in the process of moving due to the Covid-19 and due to my credit score I am not able to submit an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Still many inaccurately reported items. Have disputed this multiple times. The inaccurate information violates my rights under FCRA. Please see proof of most recent report and inaccurate items with red check, between XXXX  and Equifax. Delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$6200.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capitale one bank froze my checking account for no raison. Since i got approve for ppp forgiveness loan on XX/XX/XXXX i got my account been frozen by capitale one. This is my only checking account. 
please need your help to restore justice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, My name is XXXX and I have been trying for months to get my credit history/report. I've been in and out of rehabs and shelters for the last 15 years and have no idea what I owe and to who. I tried the XXXX every way I could selecting each of the 3 credit agencies individually. All it keeps saying is it can't identify me. I made copies of my vital documents and sent it " snail-mail '' to each of the reporting agencies months ago and haven't heard anything back. I'm very frustrated and don't know what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several Public Records Accounts reporting on my credit file that does not belong to me. I have disputed this inaccurate information for months. The credit agencies stated that they received their information from the courts. So I contacted the courts to verify this and the courts stated that they do not provide the credit agencies with any information. Please see the attached letter from the courts. The Bankruptcy Dismissal Information for 2 Public Records does not belong to me.

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 2021-04-16 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: UT

Complaint narrative:
Items in good standing keep falling off my credit report causing my credit score to drop significantly. Major financial is in good standing with {$5000.00} credit limit and XXXX  balance due

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: GA

Complaint narrative:
The following account do not belong to me. I believe that this account is erroneously reporting on my credit file. Please remove the following account from my Transunion and XXXX  credit file : XXXX XXXX - XXXX XXXX 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 2021-04-16 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: CarMax, Inc.
State: IL

Complaint narrative:
This account is reported as Collection/Charge off but it is showing Balance of {$12000.00}, you know a charged off account should be XXXX balance. According to my research 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' so there should have no late payments in my credit report. Furthermore, 15 USC 1605 ( 5 ) states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is obviously a noncompliance of the law to report it with profit loss write off. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint on Capital one cause I have had an account opened in my name fraudulently and I sent the police report and fraud affidavit to the credit bureaus and they had blocked the account From my credit profile, but capital one submitted a unblock request to the credit bureaus and I have been unable to resolve the issue on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company
State: SC

Complaint narrative:
I applied for a mortgage through DHI mortgage in XXXX. I was sent a loan estimate with no cost for points in XXXX. The night before to get the CD deadline XXXX they changed the amount charged for points which was not on the estimate in XXXX. Otherwise they would change my interest rate and delay my closing for a 2nd time. The 1st delay was due to the fact the lender representative forgot to submit the loan. Therefore, I had to stay in a rental property at a higher rate of {$1900.00}. Now I am going to be forced again to pay DHI an extra {$2000.00} or {$1900.00} for the rental property for another month. 

I understand the rate was not locked but I was quoted an estimate of XXXX with no cost. Now they are charging XXXX  for the same interest rate. There has only been positive changes in my credit which is not the reason for the change. They must have forgotten to disclose that information in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Netspend Corporation
State: CA

Complaint narrative:
Well 1 month ago I could not use my card over internet. I requested help from XXXX  company employee s and got none.

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 2021-04-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following accounts are reporting inaccurate 30 days late. I was never 30 days late on the following accounts : XXXX XXXX XXXX 30 days in XX/XX/XXXX XXXX - 30 days in XXXX, XXXX, XXXX and XX/XX/XXXX 2020

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 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
In XX/XX/2021 Chime suspended my spending account. They asked me to send in verification documents. I did send the requested documents. I was advised at a later date XX/XX/2021 that my account was closed and my funds were not refundable. I sent another email asking where the remaining funds would end up. I was advised if I send in proof of the funds origin I would receive a paper check. I did that but was later told in XXXX that the funds would be sent to the original sender which is the XXXX. Now I can no longer get in touch with Chime. They only send prepopulated email responses and the XXXX has not received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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:
Equifax Dispute P.O Box XXXX XXXX, GA XXXX To Whom It May Concern, I sent a letter to you disputing accounts as erroneous on ( XX/XX/2021 ) and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on ( XX/XX/2021 ). It is now ( XX/XX/2021 ) and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 
US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) DEPT OF ED/XXXX  ( xxxxxxxxxxx XXXX XXXX Thanks in advance to your timely response to this request. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
As of XX/XX/2020, I have sent monthly letters to XXXX asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that XXXX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: GA

Complaint narrative:
The following account do not belong to me. I believe that this account is erroneously reporting on my credit file. Please remove the following account from my XXXX  and Experian credit file : XXXX XXXX XXXX  XXXX XXXX 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 2021-04-16 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 sent a letter to you disputing accounts as erroneous on ( XX/XX/2021 ) and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on ( XX/XX/2021 ). It is now ( XX/XX/2021 ) and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 XXXX, you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 
XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Thanks in advance to your timely response to this request. 
Sincerely, XXXX XXXX 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