vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Between, Experian, XXXX, XXXX Is a violation act of the FCRA Dispute reasons remove accounts because the reporting last payment and closed dates are inaccurate If they are getting the information from the same source why is different? 
The dates dont match Im reporting to e date last active because are inaccurate Plus Plus I never had receive any information from XXXX about this issues by mail Is my right to have it All this is wrong Plus nothing much in the dates last date active between any of the credit reporting agencies

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 2021-06-22 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 am a victim of identity theft and I have accounts reporting inaccurately on my report. I've contacted the credit bureau about these accounts and received no cooperation about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I called to have a security freeze and security alerts removed. They would not remove them.

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 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In my original investigation request sent XX/XX/2021 I asked Transunion to delete anything that is not 100 percent accurate. They responded saying that all of my accounts were indeed correct and verified. How is it possible that TransUnion, XXXX, and Transunion all verified the accounts I inquired about as accurate, but they all have inconsistencies in the reporting? After that, I sent a letter on XX/XX/XXXX asking for Transunionto please remove the accounts below from my credit report because I still found inaccuracies in each entry. I also provided proof of the inaccurate reporting along with my letter. Instead of deleting the information as requested, they updated their file, which is against the FCRA. This is my 3rd attempt to remove the inaccurate accounts that Transunion stated was verified and correct.

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 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
ON XX/XX/2021 I SENT SOUTHWEST CREDIT A LETTER OF VALIDATION FOR A DEBT OWED. I SPECIFICALLY ASKED THIS COMPANY TO PLEASE SEND ME A CONTRACT BETWEEN MYSELF AND THEM AS A CONSUMER. I ALSO THEM FOR THE FOLLOWING What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable : Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service : THIS COMPANY PROCEEDED TO SEND ME A COPY OF A BILLING STATEMENT. A BILLING STATEMENT IS NOT A FORM OF VALIDATION NOR IS IT A BINDING CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
chase bank allowed a third party some law form to place a hold on my checking acct. this was a joined account but I have communicated with my husband for the last 5yrs. i did not remove his name from my checking acct, but the bank should have reviewed the acct that is only apportioned by me XXXX has nothing to do with my acct. why a third party went in my personal checking acct and place a hold

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: TX

Complaint narrative:
On XXXX2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 45 days, and I have not received a response yet. I feel like my disputes are being ignored and/or not being taken seriously. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. It has been well over 45 days and these items should be deleted immediately or I will file for litigation due to the extreme trouble I have gone through because of these errors. I was also informed that my information was leaked during the Equifax data breach and I believe it is being misused for wrong purposes, such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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 am a victim of identity theft and I have accounts reporting inaccurately on my report. I've contacted the credit bureau about these accounts and received no cooperation about this matter.

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 2021-06-22 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
A payment was misapplied and then corrected. Once corrected and applied as it was due, New Rez refused to correct the credit report to reflect the payment was not late. After several calls and letters to address this, they are still refusing to correct the issue. After one more final conversation with them today, I feel like this is a predatory practice and the CFPB should be made aware of their practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The following hard inquiries were not done by me, I did not authorize them, and I do not know where they came from. Everything else on my report seems to be correct currently but this is worrying me because I know they are bringing my scores down : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: American First Finance, Inc.
State: TX

Complaint narrative:
A month before I moved, I went to XXXX XXXX XXXX for a living room set. I was offered financing and they ran my credit for furniture they initially told me I would have by the first week in XXXX. I moved XX/XX/XXXX. 
Shortly before moving a received a call from XXXX XXXX XXXX that my furniture was delayed and on back order. I asked if I came in and made different selections would that help get my furniture sooner, and I was told yes. I went and selected all new furniture. I was told I would have everything by the end of XXXX. Now XXXX XXXX XXXX is saying they only have half of the couch ( which is extremely odd ) and an ottoman is on back order and now I won't get the items until some time in XXXX. I want American First Finance or XXXX XXXX XXXX or someone to remove this inquiry from my credit report so I can go elsewhere to purchase with financing. These people ran my credit for something I never received and they likely are never going to give to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: FL

Complaint narrative:
I seen a lot of inquiries on my credit report that I dont give any company right to run my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: KS

Complaint narrative:
PayPal closed my account after I recently created it and received money from a friend. They wont help me getting it back up. I dont know if this was a mistake, which it may have been, but they wont help me. They only tell me I have a limit on my account. I figured I could file a report to this trusted company since PayPal wont do there job. My email linked to my PayPal is XXXX Please help, Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MA

Complaint narrative:
HI Security Credit Services ; Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Idonotrecallgivingmyauthorizationforthiscreditpull, pleasehelp me removethis. I also know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report. There are also unknown address listed on my report, please help me update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: TX

Complaint narrative:
Equifax has not responded to my requests to investigate 2 incorrect items from my credit report even though I have sent them certified mail and countless e-mails. I have even copied the CEO. 

I wrote them a letter for each item and inquiries on XX/XX/21, XXXX and XX/XX/21 ( see atacged files for latest letter ) I demand the incorrect items and inquires to be removed from my report and an explanation as to why they have not responded for the last 103 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: AL

Complaint narrative:
I have notified the three bureaus that I have been a victim of identity theft but they continue to report this account from XXXX XXXX XXXX, XXXX XXXX and inquiries from companies that I have never applied to or received anything from. I don't understand how they can report his and this was all done " Fraudulently.

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 2021-06-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

2. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

6. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

7. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

8. Identity Theft TOYOTA MOTOR CREDIT Account Number : XXXX**** This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called to have a security freeze and security alerts removed. They would not remove them.

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 2021-06-22 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts 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  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I sent this company a letter requesting that they validate the date and they sent me an itemized bill. The original creditor is trying to make me pay a deductible for services that wasn't performed. I informed my Warranty company XX/XX/XXXX that they did absolutely nothing just came out and didn't even look at the issue and said they can't do anything and they said I am NOT RESPONSIBLE FOR this debt. I then sent a letter to the collection agency on XX/XX/XXXX requesting for them to show proof that services were rendered by this company and they just said the debt was verified that is not accurate and they continue to report this debt on my credit when the Original creditor DOES NOT have proof that they even provided services. I am not in the process of pursuing civil litigation action and even pursuing obtaining a consumer rights attorney regarding the bureaus continuing to collect on this unverified debt. This debt collector as well as the original creditor are continuing the report this and is a violation because they are charging me for services that were never honored by the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I sent a payment using XXXX to a XXXX. There was no fraud on the XXXX 's part however, my finger slipped on entering the last digit of his phone number and the money was sent to the wrong ( unknown ) place. I immediately contacted my bank about the error and XXXX it was a Friday afternoon. They did nothing and said, 'tough luck, not our problem '. I argued, if they take that approach at the very least they should give me the recipients information and I can file suit and pursue the recipient for unjust enrichment and possibly, fraud. 

The Banks own the company that owns XXXX and yet, the banks are colluding to allow consumers to lose money with no recourse and no information. It's abhorrent! 

This happened on XX/XX/2020 for {$1400.00}. The consumer is stuck with NO recourse whatsoever while the banks collude and conspire. They have created a system to lower their costs of moving money while shifting all the risk on consumers.

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