vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX  RELENTLESSLY SENDS MY INFORMATION ( PHONE NUMBER EMAIL ETC ) TO COLLECTION AGENCIES WITH FALSE DEBT. DOESNT MATCH MY NAME OR MY SOCIAL SECURITY NUMBER. IVE FILED FRAUD CASES WITH THEM AND TOLD THEY WERE RESOLVED. JUST THIS WEEK I GOT ANOTHER EMAILS FROM ANOTHER COLLECTION COMPANY SAYING I OWE {$830.00} ON A CREDIT CARD IVE NEVER HAD WITH THE WRONG NAME AND WRONG SOCIAL SECURITY NUMBER. THEY HAVE DONE THIS 3 TIMES NOW. IVE FILED FRAUD REPORTS WITH THEM XXXX  WITH THE FTC ABOUT THIS AND THEY CONTINUE TO DO IT. THEY DESTROYED MY CREDIT WITH IT LAST YEAR AND ARE ATTEMPTING AGAIN. I DONT HAVE ANY CREDIT WITH XXXX. THE 2 I DID HAVE ARE PAID AND CLOSED BY CONSUMER YET, THEY CREATE FALSE ACCOUNTS WITH DIFFERENT MERCHANTS UNDER MY LAST NAME EMAIL AND PHONE NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
I did not have a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
To whom it may concern on Jpmcb - Card ServiceInquiry from XX/XX/XXXX, XXXXJpmcb - Card ServiceInquiry from XX/XX/XXXX i got hit with hard pulls. I never applied or authorized anything with this company. I had spoke to chase a few times in XXXX and they had said would remove this from any credit reporting agency as this was fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out to Experian about a bankruptcy being reported on my credit repport. Experian stated that this was verified by XXXX and that this would not be removed. I reached out to XXXX who stated that they were not able to verify this information and removed this information. I reached back out to Experian online dispute and uploaded a copy of the letter from XXXX XXXX stating this was told information is verified and wont be removed. I called and asked where was this information verified from and they told me that they could not verify the furnisher ( whom they originally stated was XXXX XXXX ) I am reporting Experian because even after furnishing proof from the said agency they claimed to have verified this information with they still wont remove this information.

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 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Predatory practices of Rocket Mortgage on XX/XX/XXXX. After providing extensive personal financial information, refusal to provide rate quote and then refusal to provide fee quote in federally mandated form. Requested that they provide the quote in this form and was refused until after I completed a full application in writing after already providing full application orally over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted the affidavit form XX/XX/2021 which was received by certified mailed stating that I was a victim of identity theft to Experian who has not fully investigated my case of my address, names, and inquires that where done under my name by someone else.

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 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To whom it may concern, I have been trying to get inquiries removed for a while now that i never made a few times now. The last time i went to cfpb they sent me a file when closing saying not enough proof so this time i took pictures of the inquiry 's in question. I am being hit with a bunch of them that I never made. All of the following needs to come off my credit report XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX  XXXXnquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXXXXXX 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 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit System has been informed several times that this XXXX account was involved in identity theft. They refuse to remove this account and have now reported it to all three credit bureaus and they need to remove this. I have attached the Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: IL

Complaint narrative:
On XX/XX/XXXX, I experienced the following : - My name was added to a credit card as an authorized user - The statement was set to generate XX/XX/XXXX. 
- The balance was paid, leaving approximately a {$50.00} balance - The payment was made via phone, because the online system was malfunctioning - The customer service rep advised us that payment would be applied and posted that day That did not happen and the credit card reported with a much higher amount, a maxed out balance. This is a problem for me, as I am in the process of closing on a mortgage. This reporting of the incorrect balance has dropped my credit score 40 points. I need the balance updated with all 3 bureaus.

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 2021-10-14 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: IL

Complaint narrative:
On XX/XX/XXXX, I experienced the following : - My name was added to a credit card as an authorized user - The statement was set to generate XX/XX/XXXX. 
- The balance was paid, leaving approximately a {$50.00} balance - The payment was made via phone, because the online system was malfunctioning - The customer service rep advised us that payment would be applied and posted that day That did not happen and the credit card reported with a much higher amount, a maxed out balance. This is a problem for me, as I am in the process of closing on a mortgage. This reporting of the incorrect balance has dropped my credit score 40 points. I need the balance updated with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: IL

Complaint narrative:
On XX/XX/XXXX, I experienced the following : - My name was added to a credit card as an authorized user - The statement was set to generate XX/XX/XXXX. 
- The balance was paid, leaving approximately a {$50.00} balance - The payment was made via phone, because the online system was malfunctioning - The customer service rep advised us that payment would be applied and posted that day That did not happen and the credit card reported with a much higher amount, a maxed out balance. This is a problem for me, as I am in the process of closing on a mortgage. This reporting of the incorrect balance has dropped my credit score 40 points. I need the balance updated with all 3 bureaus.

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 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
discover and XXXX XXXX ; i was a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 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: NC

Complaint narrative:
On my equifax report there is a bunch of hard pulls that were fraud and never made or authorized by me that I need removed off my credit profile. i have been trying for the past few months with very little help so i'm hoping you guys can help me out. All of the following i never authorized XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and anything else to do with XXXX XXXX XXXX I never applied for or gave anyone authorization. There is so many dates if you look at my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
NATIONWIDE RECOVERY SY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1400.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I checked my credit report from XXXX and from XXXX and I noticed, hard inquiries on my credit report that I do not recognize nor did I ever authorize. I immediately called the companies who the hard inquiries were made with and they told me that I needed to speak with XXXX and XXXX directly. 
I then contacted XXXX and XXXX and they told me that I needed to speak directly with the companies again to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
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 involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous accounts reporting on my Credit Report : DEPTEDXXXX-XXXX  //LATE open - Balance {$900.00} -Date Opened : XX/XX/XXXX XXXX //LATE open - Balance {$770.00} -Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX  //LATE open - Balance {$3500.00} -Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX  //LATE open - Balance {$6500.00} -Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've endeavored to dispute a charge. I merely get a customers service number that reroutes my complaint, but does not follow thorough on talking to a representative. I've tried multiple times with no call backs. I tried their support email with no reply. Frustrated. 

The prepaid account is with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX and its debt collector company ( Jefferson Capital Systems LLC ) has been trying to collect and has reported to my account XXXX that I have been trying to remove for a long time. I have had the same phone company ( XXXX ) for over 10 years and did not open a phone account ever with XXXX XXXX but to no avail, they are still reporting it as a collection on my credit causing many problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove an account that has been reporting for 7 years on my credit file it is a direct violation of my consumer rights. It is your obligation to report complete and accurate information. I feel I am being discriminated against with my prior complaints. I get automated responses and immediately close the prior cases. I forwarded these to consult. The account XXXX XXXX  XXXX # XXXX I have attached a letter and the account that is currently reporting.

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 2021-10-14 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: NC

Complaint narrative:
To whom it may concern there was theft on my account Capital One Bank UsaInquiry from XXXX XXXX, XXXXXXXX XXXXCapital One Bank UsaInquiry from XXXX XXXX, XXXXCapital One Bank UsaInquiry from XX/XX/XXXX, XXXXCapital One Bank UsaInquiry XXXX XX/XX/XXXX  I have spoken to capital one a few times about this matter and they said would remove from my credit report and never did since i never authorized any of these with there company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove an account that has been reporting for 7 years on my credit file it is a direct violation of my consumer rights. It is your obligation to report complete and accurate information. I feel I am being discriminated against with my prior complaints. I get automated responses and immediately close the prior cases. I forwarded these to consult. The account XXXX XXXX # XXXX I have attached a letter and the account that is currently reporting.

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 2021-10-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-10-14 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One solicited me to apply for a credit card. They offered an inducement that I would receive 3 % cash back for entertainment purchases. The advertisement specifically cited " theater tickets '' as the kind of purchase that would receive the reward. I liked that offer, so I applied. I used the card at least four times to purchase theater tickets. However, I did not receive the promised reward. On XXXX spoke to XXXX ( And later XXXX, a supervisor ). She did not dispute the advertisement specified theater tickets, and she did not dispute that my purchases were for theater tickets. However, she insisted Capital One would not honor the promise. She described data processing problems that somehow caused Capital One 's system to categorize my purchases in some other way. I can accept that errors can occur in data processing, but I asked her to correct the errors. She asserted that there was nothing she could do, but that is not credible. Capital One can correct a mistake when the mistake is brought to their attention. Also, if Capital One has data processing problems so bad that four transactions in a row are mishandled, and they are unwilling to correct such mistakes when they are discovered, then it is irresponsible for them to advertise that they can identify theater ticket purchases and grant rewards. It appears to me that the truth is that Capital One advertised this offer knowing that they could not, or would not, honor it. It was just a cheap way to mislead me into applying for a credit card that was otherwise worthless to me.

Company response to consumer: Closed with explanation