vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 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: VA

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: Medical Society Business Services, Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I received a targeted special invitation via email to open a Kabbage checking account. I applied and was immediately declined for selecting a prohibited industry type. I am a reseller and that industry type is NOT on Kabbage 's list of industry types to choose from so I tried to pick something similar. I ended up selecting Other Miscellaneous Retail ( excluding tobacco ). I called Kabbage to explain my extenuating circumstance, but they would NOT allow my denial to be reconsidered. That is totally ridiculous. Why even send me the special invitation in the first place? On top of that, why is Kabbage even putting these so-called prohibited industry types on their list? Why not just exclude them to begin with? This is a complete waste of everyone 's time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: NY

Complaint narrative:
I have contacted Experian at least 10 times since 2019 to remove accounts that are incorrect, unvalidated and/or unverified. 
-They have not removed this information, despite not sending me, as I have requested, a consumer contract with my signature, instead they continue to report these accounts. 
-These accounts also do not appear on other reports, yet Experian continues to report these accounts. 
-Additionally, in the latest report I have, they have failed to put a 100 word statement that I listed multiple times in dispute to one of the accounts that incorrectly appears on my report since it continues to appear -Additionally, they removed an address that was correct -Yet, they have not removed incorrect, unverified or unproven, unvalidated accounts and have not shown accounts to be disputed with the 100 word statement -Despite repeated request for contracts to actually validate these accounts and verify them, Experian refuses to remove the account and continues to report this information without reinvestigation and continues to report unvalidated accounts not removing them. Under Fair Credit including sections 609 and 611, they are supposed to delete these accounts, yet they keep reporting them, refuse to remove them despite my repeated requests under federal law.

Please remove these accounts from the credit report immediately. 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 explanation
Consumer complaint received 2021-07-21 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: TX

Complaint narrative:
This would be my 2nd complaint about XXXX XXXX. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the XXXX XXXX stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) XXXX XXXX has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( XXXX ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.

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 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
I received a Payoff statement on XXXX XX/XX/2021 for the amount of {$610.00}. I immediately sent a wire from XXXX XXXX. That wire was never accepted so I sent a wire through XXXX XXXX for the amount of {$610.00} to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Account name : XXXX XXXX XXXX  XXXX # XXXX, Account number : XXXX, Attn : Payoff Department. 

I have been calling with no results. I have sent multiple e-mails to multiple people with no success. All I want to do is payoff my mortgage. They have locked my account online so I can not do anything through my account. 

I have copies of all the transactions. 

Now they are saying I am late yet I am paying off my loan 10 years early. I don't understand. Please help. 

XXXX XXXX XXXX XXXX cell

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 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I received a pre-approved credit card application from Capital One even though I have frozen my credit. My understanding is that we should never get such an application while by credit is frozen. I don't want this type of application in my name in the mail or anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: TX

Complaint narrative:
This company has place 6 collections on my credit report and I have no knowledge of this company or original creditor. I mailed a certified letter to this company on XX/XX/2021 requesting debt validation with no response. I sent a reminder to respond on XX/XX/2021, and still no response from this company. I am requesting the 6 accounts to be removed from my credit reports immediately. This company has intentionally not responded to my request,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The information reporting seems to me that it is inaccurate, therefore I believe that this information is reporting illegally and is not compliant. I would like to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
The name of the company is They claim to pay something that was no authorized by me and want me to pay a claim telling them that I didnt know this person or Authorize any payment to the person my Respond to them is to How can I pay something if the money is not there for me to pay it Why would I Authorize payments that I dont have money for i never even use this account Please send me Copies of these payments that you claim you made to this person that was on authorize By me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reverse Mortgage Solutions, Inc.
State: HI

Complaint narrative:
reverse mort default, debtor died XX/XX/XXXX unit vacant, covid court delayed naming me SUCCTTEE EXR 15 months, RMS took over property from XXXX XX/XX/XXXX. RMS granted covid extension to sell with equity until XX/XX/XXXX. After extension granted the RMS property preservation dept hired and asset management firm to secure the property removing my lockset and lockbox, blocking my access with notice XXXX XXXX XXXX XXXX is in charge. 

I need written notice my extension until XX/XX/XXXX is in effect and that I am the only one authorized to enter the unit.Their action caused my carpet installation XX/XX/XXXX to be cancelled and will delay the open house XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: FL

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I tried to address this twice with American Express through the chat feature but I got a bunch of messages about fees to try to get me to give up and when I persisted, I was automatically logged out, twice! I would never expect American Express to be this underhanded. The issue was that I was charged a late fee and interest on this card on XX/XX/XXXX and XX/XX/XXXX respectively when according to my emails, I had an autopay scheduled on XX/XX/XXXX which never occurred ( received XX/XX/XXXX ). The CSR lied and said there was no record of this ( or it's now automated as well ). I changed the bank for this autopay on XXXX but nowhere in the terms nor in my emails was I told the previously scheduled payment would be cancelled. It's too bad Amex wants to spend more money and time doing this the hard way and not even provide real customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: CA

Complaint narrative:
After fraud happened on my card capital one sent me a text to see if it was me because I was asleep I called the next morning and told them it was not me and asked to close my account. I then paid off the card balance besides what was fraud. I thought that was the end off it until I got a bill months latter I called them and they told me that they recently mailed out a card and that I was who called in. This was not the fact as I had asked for the account to be closed. The person on the phone said they sent the same card number as the one I reported was being used fraudulently. I was assured things would be taken care of. I never carried a balance on this card I paid it off every month weather the balance was XXXX or XXXX dollars it was paid each month. Now they have been reporting to the credit agency lies they say I have made payments which I have not my bank account can show my last payment was when I closed the card in XXXX. It is now XXXX and I have been denied credit because this says I am in collections for something I did not do. I closed the account what they did after that is not my responsibility. I have called and they say they will investigate and then tell me I owe it which is impossible as I didnt make those charges I closed that account. Then when I dispute it with the credit bureaus they say its valid without actually investigating because if it was investigated they would know i did not use a card on an account they agreed to close. I can show my last payments and charges this is not right. 

I have attached bank statements that confirm I paid my balance off every month until XXXX when fraud happened. After that I paid my balance off besides the fraud. After that they have changed the balance from XXXX to XXXX I did not do this and I can show that they falsely report the information as well as did not close my account when asked to do so and further more let someone use the account and now try to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is showing that I have XXXX accounts with them ( revolving, mortgage, installment, other ) yet when I pull my report from MyFICO there is a score and a report with many accounts ( about XXXX ). I've tried speaking to Equifax and they are saying that I don't have any current accounts but this is untrue. I don't know why I can pull an Equifax report through FICO that is accurate but their own website is innacurate. I am closing on a mortgage in a couple of weeks and they can't generate a score due to this issue, therefore I can not get my mortgage at this point. The mortgage company was able to pull an Equifax report in XXXX of XXXX and XXXX of XXXX without issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have been consistent with child support in the state of XXXX XXXX XXXX XXXX County. I am making weekly payments, however, I am still having child support negatively reporting on my credit report. Every week I am making child support payments. Yet it is not showing positively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX because the when I used the website and employees in the branch could not access my Fico credit score. I was told I had to go through Experian. I could not make an account on the Experian website, every time I get to the last step where I enter my address and SSN I am met with a Technical Difficulties screen, which gives me a phone number. 

I have called that and every other number I can find for Experian, and they all go to the same automated voice menu system, it is impossible to speak to a representative. Their system is completely broken and it horrifies me that my own access to my private information is impossible to retrieve from them, while they have access to all of my important personal information. 

I am desperate, and worried I will never be able to get FICO credit score.

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 2021-07-21 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation