vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE BANK USA N at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. I've called to ask if they could remove a 30 late payment due to me being affected by Covid- 19. unfortunately I was laid off from my job. whenever I would call I was told they could not help me in the time of need. its stopping me from purchasing a home for my kids & i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I sent merchants and medical a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021. in regards to inaccurate accounts with XXXX XXXX XXXX  i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021 to equifax in regards to inaccurate accounts with XXXX XXXX XXXX and the bureaus i have no business with these companies and have no idea how they even have any of my personal information. These accounts is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). Equifax is conspiring with these companies to defraud me .If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom this may concern, I recently pulled my credit report and noticed that the following accounts are reporting inaccurately ; XXXX XXXX ( XXXX ) - Delete this account because the date opened on, XX/XX/XXXX, is incorrect. XXXX is showing a date opened of XX/XX/XXXX and you are showing a date opened of XX/XX/XXXX. 

XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing a date opened of XX/XX/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 2021-10-25 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: RI

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts 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 are the following accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
XXXX XXXX XXXX On XXXX XXXX  I have seen that my account was fraudulently compromised. I had XXXX  in my account on that date. At a later time I have seen that all my money was stolen out of my account. I contacted my bank Chime to let them know I did not cause this. They assured they will see about this issue. When I put in a dispute and two days later they made a decision to deny my claim to refund me my money. They say that is not an error and that the charges was sufficient. I told them that the location of the charges was two hours away from where I live. I never went that far because I just moved from XXXX XXXX to XXXX XXXX. I made phone calls on numerous days and even spoke to management and no one wanted to help. I even turned in a police report and identify theft report and they still denied my claim to refund me my money that was taken from me. This is so horrible because FDIC is to protect me when my money was stolen and the bank is refusing. How can they investigate this in two days. They dont care and it has caused me a lot of financial burdens because that was my way to pay my bills and feed my children. They brushed me off when I stated this. I tried to resolving this but they wont help. I had to wait to get my identification updated because in XXXX  XXXX  you have to schedule an appointment. So they would not let file a report for a dispute until I showed my new identification. This is so unprofessional because i was not able to file the dispute until XX/XX/XXXX which is when I got my new identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: MD

Complaint narrative:
XXXX  XXXX hard inquiry on XX/XX/2021 without my permission or knowledge of this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased 3 concert tickets from XXXX for a XX/XX/XXXX show that was postponed to XX/XX/XXXX. Over several months I reached out multiple times to XXXX  because I was unable to login and access my account or the tickets I purchased. I never received an email confirmation or receipt. Their app does not work and it is the only way to access tickets, which I never constructively received. There is no way to reach XXXX  customer service, all phone numbers circle back to the website ( that doesn't work ). I reached out on XXXX support and email and was not able to get anyone to help me access my tickets. Before the show, on XX/XX/XXXX, I called Chase and they told me I had a strong case to dispute the charge and to wait until after the show. On XX/XX/XXXX I called and Chase refused to file a dispute until I escalated to a manager who filed XXXX. On XX/XX/XXXX I called to check the status of my dispute and they said no actions had been taken and to wait. On XX/XX/XXXX I called and the rep said she didn't have any information about the case so I gave her all the details and she put me on hold then disconnected. I called again, spoke to a different rep, who also disconnected as I was mid-sentence giving her the information all over again. Chase refuses to take my complaint seriously and has given me false and conflicting information despite me never receiving the goods/services I paid for. Their reps have repeatedly failed to take notes of the calls we have and do not take any steps to address my concerns or carry out their duty to resolve this dispute and fairly represent me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-25 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: MS

Complaint narrative:
on XX/XX/2021, I sent letters to XXXX and Transunion about the inaccurate and incomplete items that they are reporting on my credit report. the letters state that they don't have any permissible purpose by law to contact third parties with my private or personal information pursuant to 18 U.S.C. 1028A and I request that the inaccurate items be deleted at once. Today is XX/XX/2021 and I haven't received anything from them concerning the request. I have attached copies of the letters for your reference.

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 2021-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accounts Interchange Group LLC
State: CA

Complaint narrative:
Company called in aggressive tone. They stated the debt and amount. Told me they sent an attempt to collect via mail. Which i never received nor was aware of. Told me they were going to file judgement to court or something like that that my debt was in delinquent state. The asked me do i want to resolve this yes or no. I said i cant give you answer until i find out whats going on but he interrupted saying youre not goving me answer of yes or no. The whole call i was stating i couldnt give him an answer at the moment. IN one occasion i said uhh i cant give you answer at the moment. He replied with you said uhh which means youre lying and most likely dont want to continue to resolve this. I told them multiple times i was at work. I aske a question and he started laughing. He tried to rephrase what he was saying to try and get me to give him an answer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: DC

Complaint narrative:
I am 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 inquiries has been diligently neglected by Equifax. 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 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 are the inquiries that are still reporting on my account : XXXX  XXXX-Date of XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX  I received an email on stating my venmo account was negative {$1.00}. I then received another email on XX/XX/XXXX  saying that i had received XXXX cash back for using my card at the restaurant where i had made a purchase causing the negative balance. Venmo followed with another email stating that the cashback would be applied to my negative balance and i needed to pay XXXX  in order to restore my account. On XX/XX/XXXX  I attempted to settle the remaining negative amount from my connected bank. In the email confirmation it says that transaction won't be completed until XX/XX/. On XX/XX/XXXX  I received a payment into my venmo account from my boss for {$75.00}. Venmo is still refusing to allow me access to my funds even though the negative has been settled by my initial transaction from my bank as well as the venmo transfer that i have received from my boss. They are saying that until the ach transaction goes through they will not give me access for my funds or take the XXXX out of the {$75.00} that is readily available in the Venmo account. PLEASE NOTE THAT I FILED THIS WITH THE ASSISTANCE OF AN AGENT ON THE PHONE. I SEVERAL EMAILS THAT I WOULD LIKE TO SUBMIT, HOWEVER I WOULD LIKE TO FORWARD THEM DIRECTLY TO MAINTAIN THE INTEGRITY OF THE DOCUMENTS AND NOT COPY AND PASTE THEM AS I DO NOT HAVE TO OPTION TO DO THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: VA

Complaint narrative:
I have disputed items on my Credit report and it has been more then 30 days with NO result 's. The credit bureau is " Equifax ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: FL

Complaint narrative:
I m checking my credit reports and I don't understand why I see this account on my name. I don't have anything like that. I have no idea why you put it on my name.

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 2021-10-25 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 checking my credit reports and I don't understand why I see this account on my name. I don't have anything like that. I have no idea why you put it on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
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 involved in the process. I have a loan with CREDITACPT. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THIS REPOSSESSION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
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 involved in the process. I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Also, I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bay Area Receivables, Inc
State: MD

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. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BAY AREA REC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX - Balance : {$250.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$860.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$120.00} BAY AREA REC ( Original Creditor : XXXX SERVICES XXXX ) XXXX - Balance : {$300.00} XXXX AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$100.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX - Balance : {$120.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Balance : {$120.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Finance has violated my Consumer rights. Pursuant to 15 USC 1692c. ( c ) I notified Capital One in writing that I refuse to pay this alleged debt, and I am demanding that they cease all forms of communication with me through all mediums except by postal mail.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am Invoking my specified remedy as a consumer, and the original creditor I am demanding ALL of the following On the XXXX of every month the account must have a Zero Balance.

Keep this revolving account open indefinitely.

Increase my credit limit on this open-ended credit plan to {$50000.00} every month.

Remove all monthly balances owed and report Zero owed for every reporting month, since the beginning of this account to all credit reporting agencies. 

Pursuant to violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments Stop Illegal reporting of late payments to all consumer reporting agencies. 
Remove all late payments reported to all consumer reporting agencies. 

I would like all payments I MADE SINCE THE BEGINNING OF THE ACCOUNT ON XX/XX/, returned back to me via mailed check and any part of the amount of the credit balance remaining 15 USC 1666d ( C ). 

Failure to respond to my Cease and Desist and honor my demands within 30 days will result in me the consumer pursuing legal litigation.

Company response to consumer: Closed with non-monetary relief