vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 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: DC

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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
I took out a loan for a small business a few years back- XXXX XXXX. Right before the Pandemic started, there was a downturn in the market and my business was going under. My loan was sold to a collection company, CK Prime Investments. No one informed me my loan was sold, it just showed up on my credit. 

I went to a debt repayment company, XXXX XXXX ( XXXX XXXX  ) to pay all outstanding debt from the failed business venture, including from CK Prime Investments. They have been a headache from the start. First, both XXXX XXXX and XXXX were reporting the same debt, the debt was incorrect, when the debt repayment company made an agreement with them, I was to have the account paid in full by XX/XX/2021. I paid the account IN FULL XX/XX/2021, and they have continually to falsely report an outstanding balance of almost {$5000.00}. 

I have contacted them by phone, submitted disputes through the credit agencies and they are still lying about me having an outstanding balance. Feel Free to contact the Debt Repayment Company XXXX XXXX to verify, better yet ask CK Prime Investments if they entered into an agreement with them on my behalf and what is my current balance... These collection agencies falsely reported information on our credit reports has to be against the law. It appears they are trying to get more money from us, that is not due to 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 2021-12-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a very detailed affidavit of truth with evidence of all the issues I had with my credit report with evidence. I have attached that below. Experian responded back with a generic response saying " the debts were validated '' but they did not ever show me any original documents from any of the creditors that are on my credit report. I am the natural person thus the original creditor. I entered a consumer credit transaction with these organizations and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law, they have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. Not one single account that I requested proof of validation was ever sent to me. I have expressed this issue to Experian, and it is well over 30 days since then and I am demanding that the invalidated debts be removed 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 non-monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is actively keeping me from making them investigate fraud. 

In XXXX, I mailed a check to my investment advisor and it was stolen in the mail, modified, signed by someone who is not the payee and then Chase bank paid out on the check. As soon as I discovered this, I called Chase. They transferred me to the claims department. They said that they had to mail me a form ( I could not get it any other way ) and return it. They told me that it would take months to do their investigation. So when I received it, I was surprised to see that the cover letter told me that my claim was closed until I filled out the form. I filled out the form, attached the requested documents, faxed and mailed it. 

Chase has refused to acknowledge receipt of my claim materials. I have tried to call twice, and the XXXX claims persons said they could not help. They would not offer an email, said that the number was right and said that they saw my claim number. They refused to give me their names and refused to give me an email to send it to. They told me to go into any Chase bank, talk to the manager, have the manager of a local bank fax it. They refused to give me any bank to go do, and just said " any bank ''. 

How do I get my claim received? Is this bad faith by Chase? Aren't they failing to investigate? Don't they know who cashed it and where? Why are they delaying their investigation? This claim should not be deemed closed at all -- I am actively trying to get their attention. Thank you for any help you can provide to get their attention. 

( p.s. I have attached a redacted set of documents with account numbers removed )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: MO

Complaint narrative:
CHILD SUPPORT IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREED TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE FEDERAL TRADE COMMISSION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
CHILD SUPPORT IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREED TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE FEDERAL TRADE COMMISSION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 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: DC

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 sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-08 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: PA

Complaint narrative:
Experian is reporting XXXX XXXX account with the same account numbers 3 times on my credit report. 

Experian is also reporting XXXX XXXX on my credit report twice on 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 2021-12-08 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are 2 accounts listed on my credit report that I want removed asap. I tried before and the response was that I hired a credit repair. This is crazy. I didn't hire anybody. I just know my consumer rights. The company is violating my consumer rights. I have several violations. The first one is 1681a If a transaction was authorized by your social security card, the real credit card first defined in truth and lending act, this transaction must be excluded from your consumer report. The FCRA also defined a credit card as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This definition makes my social security card a credit card. The accounts was authorized by my social security card, a credit card and must be excluded from my consumer report. The two accounts are as follows XXXX XXXX XXXXXXXX opened XX/XX/2021 the account is closed and paid in full with no late payments. I demand that they erase this account. 
XXXX XXXX opened XX/XX/2021. This is not my account, and the company told me it was verified by my social security number. I demand that this account be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 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: NJ

Complaint narrative:
I have purchased knobs for my gas range but they did not fit.I bought it on XXXX have sent the product back to the seller.I have provided all the tracking information what I got from the usps.The product was delivered back to Virginia on XX/XX/2021 but the seller did not accepted and it was sent back to XXXX NJ from where it departed again back to Virginia.It happened a few times according to usps website.The product got delivered on XX/XX/2021 because it is no more delivery status available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and GM Financial to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/2021 I purchased a wreath from an online retailer, XXXX, for {$43.00} and  some change. I used my Capital One card to pay for the item. When purchasing the item the return policy was clearly stated in the item description. I received my item around XX/XX/2021. I was not happy with the item as the pictures compared the wreath received had differences. I emailed the address that was listed on a card with the item to let them know I was not happy with my item and wanted a return and refund. After emails back and forth and the company saying that is not their return policy and trying to refund a percentage of the purchase or I could mail the product back ( overseas ) and wait for a refund as long as it met their requirements when received. Seeing that I was getting nowhere, I filed a dispute with Capital One. I received a letter from Capital One that they needed additional documentation and a second opinion letter from a similar company on official company letterhead with their opinion on how the company handled the request and  what they would do. This second opinion information is unattainable and an unrealistic request. On XX/XX/2021, I submitted copies of screenshots of email communication with the company XXXX along with copies of screenshots of the pictures that were listed with the product and a copy of the screenshot of the advertised return policy listed in the description with the product. I also sent copies of screenshots from similar items on XXXX with their return policy. I then received a letter from Capital One telling me that they can no longer help me with this dispute and to contact the company for resolution. I have already tried to work with the company and they have refused to  honor their advertised return/refund policy. XXXX has now listed on their website that their store is closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
As a matter of public interest, it is important to for the Consumer Financial Protection to know the reason sps never recorded the loan modification and as a result has no enforceability in the state of Florida. If you carefully review the loan it does not contain the legal description of the property but most importantly it can't be recorded because it was not notarized. Under XXXX XXXX XXXX XXXX a mortgage can not be recorded unless sign and notarized. This is the reason XXXX nor Select Portfolio record the instrument.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to  XXXX and XXXX XXXX to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This Bankruptcy was discharged as of 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 non-monetary relief
Consumer complaint received 2021-12-08 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: CA

Complaint narrative:
I am XXXX XXXX XXXX  I am submitting this complaint myself. The items are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required XXXX  verify for themselves, but they failed XXXX  neither verify nor update me about these complaints. 

( XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2021-12-08 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: MUSA Holdings, LLC
State: CA

Complaint narrative:
I noticed false reporting XXXX  inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX XXXX  Musa Auto Finance XXXX  have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to  XXXX and RBS Citizens, NA to  have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TX

Complaint narrative:
On XX/XX/2021 I sent a very detailed affidavit of truth with evidence of all the issues I had with my credit report with evidence. I have attached that below. The credit bureau Transunion responded back with a generic response saying " the debts were validated '' but they did not ever show me any original documents from any of the creditors that are on my credit report. I am the natural person thus the original creditor. I entered a consumer credit transaction with these organizations and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law, they have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. Not one single account that I requested proof of validation was ever sent to me. I have expressed this issue to Transunion, and it is well over 30 days since then and I am demanding that the invalidated debts be removed 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 non-monetary relief
Consumer complaint received 2021-12-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noticed false reporting XXXX  inquiries I have not inquired about, on my credit report. I have mailed a request XXXX  XXXX XXXX  WFDS XXXX  have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021, XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation