vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
This is the first time I have ever had identity theft. I'm not sure the reason behind this, but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items. Thanks!

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 2020-04-02 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: MS

Complaint narrative:
I'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found derogatory items and several inquiries that do not belong to me. There is child support reported on my credit and it shows that the account is closed and paid for, but it is not mine. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX  XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I contacted Experian by phone to dispute hard inquiries on my credit report that I did not recognize. The representative offered no assistance and informed me the law requires them to give my credit report to whom every request it. He also informed me Experian does not dispute inquiries and that I would have to contact the lender involved to have them removed. I am not a lawyer and I do not have the extra money to hire a lawyer to take care of this for me, I don't know the process or the steps I need to take to have these removed. I then asked the representative, why is it Experian is the only credit bureau that doesn't do this on the consumers behalf and his response was " we have a different interpretation of the law ''. 

My main complaint here is, Experian is acting on the lenders behalf and not the consumers. What I was told by the representative was, I could have my credit pulled any time by anyone without my permission and it would reflect on my report as hard inquires and Experian will not do a single thing about it. Is it not the credit bureaus responsibility to remove inaccuracies or was I lied to by a lazy representative? 

By the way I was able to dispute these inquires online without issue with the other credit 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 2020-04-02 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: MI

Complaint narrative:
XX/XX/XXXX for {$93.00}. Called Chase about a charge. They said it was a re-accuring charge and to call the vender. I did. I thought i had this resolved. I made sure the account was cancelled. I got another charge next month and it was stopped by Chase. I called chase and they said they stopped the card. A month later, I looked at my bill. Chase re-started the card without my consent and this charge that was supposed to be stopped was billed along with several others. I called and was put on hold for 1.5 hours just to be told I needed to go to another department. On hold for another 1.5hrs. Just to be told to go to another department. On hold for another 1.5 hrs. By this time im ferrious. Of course, this person also said I needed to talk to another department. The phone call that was transfered dropped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02 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: TX

Complaint narrative:
For the past 6 months I have been writing letters, making phone calls and disputing my payment history and balance owed which reflects negatively on my credit report. XXXX XXXX  originally denied my request to apply for SCRA rights when I enlisted into the XXXX XXXX. The agent I spoke with stated that the loan came before I joined so I was not eligible. After disputing that and over paying for months I finally was able to get my account adjusted and backdated in XXXX of XXXX. I then asked for XXXX XXXX  to update my payment history and payoff amount on my credit report backdating to XXXX of XXXX. 

They corrected 2 credit bureaus but not the third.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My family has been affected by COVID-19, and I am taking responsibility of taking care of family members who are out of work. In trying to defer my car payment for the month of XXXX, CapitalOne has decided to not waive the interest fee on the car loan. This is a complete disgrace and shows that these big companies do not care about middle classed individuals during this crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
On XXXX, I had received a phone call from IQ Data International about a debt allegedly owed from a broken lease agreement. On XXXX, I sent a certified letter, and there was no response. 

On XXXX, I got a notification that from my credit agency that I had a debt in the amount of {$9800.00}. On XXXX, I sent a second letter, no response. 

On XXXX I began disputing this debt with the credit agencies as well. 

On XXXX ; IQ Data continues to call, but will not provide any validation of this debt. I did not owe the apartment complex any monies, as it was their decision to terminate my lease, not mine. Additionally, IQ data employees are stalking me on social media.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
MY CONSUMER RIGHTS ARE BEING VIOLATED BASED ON SECTION 609 OF THE FCRA AND 15 USC 1692G. I HAVE NOT BEEN PROVIDED PROPER DEBT VALIDATION IE CONTRACTS THIS ACCOUNT IS HINDERING MY FINANCIAL WELL BEING EXTREMELY I HAVE CHILDREN IN WHICH I NEED TO PROVIDE A HOME NA D LENDERS DONT WANT TO GIVE ME A HOME BECAUSE OF THIS ACCOUNT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: MI

Complaint narrative:
I've submitted proper documents to show that I was the victim of Identity Theft. Nothing has been fixed or removed from my credit. They are not responding. This is impacting my credit score and personal life.

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 2020-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I called Barclay Bank of Delaware in an attempt to settle the debt. They have it marked that is was included in a bankruptcy. I did not follow through with the bankruptcy. I want this cleared up on my credit report as it is hurting my ability to get through life.

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 2020-04-02 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: MI

Complaint narrative:
I've submitted proper documents to show that I was the victim of Identity Theft. Nothing has been fixed or removed from my credit. They are not responding. This is impacting my credit score and personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally financial has failed to report any information in regards to my payment status since XX/XX/2019. I was in a car accident on XX/XX/XXXX, totaling out my car and my insurance company paid the full remaining balance until XX/XX/XXXX. On XX/XX/XXXX, I called to get an update as their website stated that the payment was still showing as processing, and the representative stated that they received full payment and are waiting for the mvd to release my title but my credit report will update in the beginning of XXXX, showing as paid. I called again on XX/XX/XXXX and was told by the representative that on XX/XX/XXXX, The representative put in a request for my credit status update to be reviewed and it will take an additional 30-45 business days to update. The call was then escalated and a supervisor stated he put in an email to have this information expedited and should hear something within a few days. Today, XX/XX/XXXX, I noticed that my account has been closed and I called to get an update to verify when my account will reflect accurately on my credit report and was told that from the call on XX/XX/XXXX it would take 30-45 business days. I then escalate the call 3 more times and get  another supervisor who states they will email and call me back. 

I have been with this auto company for almost 5 years and have maintained my auto loan until it was paid in full in XXXX. Ally has not updated their credit reporting information for my account since XX/XX/2019 ( showing delinquent ) which is currently preventing me from getting a new vehicle. I have called multiple times due to this inaccuracy putting a damper on my ability to move forward and get a new vehicle and am requesting assistance for them to update their information accurately so that I may move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo services my commercial loan. In XXXX of XXXX, the tenant in the building failed to pay the real estate property taxes which are required by the lease. In XXXX of XXXX the tenant filed bankruptcy status and closed the business. Wells Fargo was required to monitor and manage the loan and insure that property taxes and insurance was continually paid up. Wells Fargo failed to identify that the tenant did not pay the property taxes and now I'm stuck with a {$27000.00} bill for their property taxes. This is a horrible lapse in servicing and Wells Fargo should reimburse me for this expense incurred due to their business failure.

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 2020-04-02 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately please. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} XXXX XXXX XXXX {$380.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: MS

Complaint narrative:
I'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found derogatory items and several inquiries that do not belong to me. There is child support reported on my credit and it shows that the account is closed and paid for, but it is not mine. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-04-02 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: MS

Complaint narrative:
I'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found derogatory items and several inquiries that do not belong to me. There is child support reported on my credit and it shows that the account is closed and paid for, but it is not mine. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-04-02 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA Visa credit card stolen on XX/XX/2019. Called company immediately to notify of theft. By this time, card had been used for the following amounts : XXXX XXXX  store # XXXX ( XXXX, CA ) Amount {$630.00} XXXX XXXX # XXXX ( XXXX, CA ) Amount {$200.00} XXXX XXXX # XXXX ( XXXX, CA ) Amount {$200.00} XXXX XXXX # XXXX ( XXXX, CA ) Amount {$50.00} USAA credited my account for the fraudulent amounts and issued a new Visa card, Somehow the fraudulent amounts were recharged to my new USAA Visa and I have been dunned by letters, phone calls, since that happened to pay my credit card balance. I have made at least 7 calls to USAA to try to correct this matter with absolutely no results. This credit card has not been used since I received the new Visa card, but fees and interests are accumulating on the monthly bills for the fraudulent amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: NV

Complaint narrative:
XXXX XXXX has been deleted according to my documents in the past couple of months and was resent to the credi 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 2020-04-02 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:
I've submitted proper documents to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. They are not responding. This is impacting my score and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation