vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 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: FL

Complaint narrative:
Hi I recently went to get a credit report for all three credit reports and two or three of them have me with zero establish credit and being I never ever had my license I cant of had an auto loan like it says I do an auto mortgage a house mortgage in a repossession Ive never owned a house nor have I had a card nor my license and Im not deceased this is a really bad time to have a horrible mixup or a breach or something you guys did wrong I also never had a bank account get close on me I still have the same exact account and I paid the balance to keep that account everything is wrong and you guys are doing the worst please get back to me ASAP Im starting school my masters program in less than a week and I cant get a loan or anything because you guys messed everything up and its wrong and I need a loan for school and a card to build credit and you guys have me with things I never even had or done Please I have nobody or anyone my child though and I need credit everything is wrong and I need a school loan this isnt right I start in a week and all of it is terribly wrong I cant believe you people XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/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 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your Capital One. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE.

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE.

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/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 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
MyMortgage company is not releasing my insurance check and I can not fix my home. My home is unlivable. This is an unacceptable situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 


INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 


INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 


INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed items on my Experian, XXXX, and XXXX  credit reports that were reporting inaccurately on XX/XX/2020. I didn't hear back from the 3 bureaus, so on XX/XX/2020. I sent them another later asking them to comply, notify me of my their investigation, and reminded them of the items that I was referring to. I have yet to hear back from 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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have an unverified account from XXXX. I had previously disputed this account through another collection agency and it was removed from my credit report but has been reinserted through XXXX. I have never done business with v. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that WAYRESGRP provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I overpaid by balance by {$10000.00} on XX/XX/20. I was told I would get a refund check within 7 days. It is now XX/XX/20 and I have received nothing. I called again and they are refusing to refund the overpayment and closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
My credit score is XXXX good right?! Well yeah Ive only had it for 2 years but still everyone deserves a chance to build or demolish their credit. Thats what credit is for. Besides the benefits of a credit card. I have one through pinnacle but the other card companies keep denying me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have an unverified account from XXXX. I had previously disputed this account through another collection agency and it was removed from my credit report but has been reinserted through XXXX. I have never done business with v. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have an unverified account from XXXX. I had previously disputed this account through another collection agency and it was removed from my credit report but has been reinserted through XXXX. I have never done business with v. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2020-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Ive been trying to close my Capital One 360 savings and checking accounts for the last weeks. When I first called they said they were able to close all but one account. They put me on hold and said they would try to close it. They came back and said that they were able to see it was closed now. I checked my capital one app and saw 3/4 accounts closed. I called back and the lady said that the last person didnt close the account. She said it would take until midnight that night to close. I said okay. The next morning I checked the account and it was still active. I called back and the next person said the account would actually take 3 business days to close. I check back and the account is not closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed items on my XXXX, XXXX, and TransUnion credit reports that were reporting inaccurately on XX/XX/2020. I didn't hear back from the 3 bureaus, so on XX/XX/2020. I sent them another later asking them to comply, notify me of my their investigation, and reminded them of the items that I was referring to. I have yet to hear back from 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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed items on my XXXX, Equifax, and XXXX  credit reports that were reporting inaccurately on XX/XX/2020. I didn't hear back from the 3 bureaus, so on XX/XX/2020. I sent them another later asking them to comply, notify me of my their investigation, and reminded them of the items that I was referring to. I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have an unverified accounts from XXXX XXXX and XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX or XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX and XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX  and XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2020-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
Due to covid, I was without work and in communication with XXXX/MEFA I was under the impression we could not be marked late during covid. This late are hurting me from moving in the future when it was not a error on my part. I was given forbearance for one month to not have to pay and receive any late remark from our governor here in Massachusetts. 

Please remove lates from dates XX/XX/2020. This should be paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I previously sent in a FTC report and Police report because I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. My reports also contained some errors pertaining my Personal Information. I am requesting that you promptly delete the addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX and XXXX PERSONAL INFORMATION : My name is : XXXX XXXX - XXXX : XX/XX/1978 SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Name XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate and/or may belong to family members. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX My current telephone number is : ( 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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/20 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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation 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