vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 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: OH

Complaint narrative:
I have reached out to XXXX, XXXX and Equifax several times throughout 2020 to resolve the removal of a bankruptcy that's showing in error on my credit report. The last time I decided to also reach out to other entities like XXXX and a few more to see where XXXX, XXXX and Equifax are getting this information. They allowed me to know they have no records of a bankruptcy and XXXX, XXXX and Equifax did not get the information from them. XXXX, XXXX and Equifax has yet to remove this from my report and I want it removed ASAP due to the severe impact that it has on my credit report. Not to mention XXXX is reporting this information twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have reached out to XXXX, Experian and XXXX several times throughout 2020 to resolve the removal of a bankruptcy that's showing in error on my credit report. The last time I decided to also reach out to other entities like XXXX and a few more to see where XXXX, Experian and XXXX are getting this information. They allowed me to know they have no records of a bankruptcy and XXXX, Experian and XXXX did not get the information from them. XXXX, Experian and XXXX has yet to remove this from my report and I want it removed ASAP due to the severe impact that it has on my credit report. Not to mention Experian is reporting this information twice.

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 2021-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I recently tried to get approval for a home loan from JP Morgan Chase but found out they will NOT grant home loans to the physical disabled on a fixed income with a working spouse they deliberately raised their credit score requirements to discourage the disabled with slightly lower than their requirements from getting anu type of loan after they were recently fined for encouraging employees to use a app to avoid federal regulators and a while back wrote a bad loan for more than XXXX million yet can't get a loan for a house at XXXX on a twenty year note.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). 
Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.

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 2021-12-20 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: NC

Complaint narrative:
On XX/XX/2021 I wrote a letter to Equifax requesting the verification method for the Bankruptcy which is reporting on my credit report, in the letter I requested if the method of verification is not completed to remove the account from my credit report. The same date I also sent a letter to the bankruptcy court listed on my credit report requesting verification of such and I have received a response, The bankruptcy can not be verified as of todays date I have not received an adequate response from Equifax. Under the FCRA, section 611 ( a ) ( 6 ) and ( 7 ) I have the right to request the method of verification, the credit bureau must provide the method within 15 day of my request. I am requesting the bankruptcy be deleted based on the credit bureau lack of compliance with the method of verification. The letter was also sent via certified mail and I have the original receipt showing the exact date and confirmation when I sent the letter to the court and to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and sent out letters to XXXX, XXXX XXXX Equifax to remove the late payments reporting on my credit profile as it is henerding me from getting credit! Pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ), Congress said, The term consumer report does not include transactions or experiences between a consumer and the person making the report. The line of credit in which you use and how you use is are Transactions, When you swipe a card thats a Transaction, Your Payment History is a Transaction. My experience is the Line of credit, so if my consumer report does not include the Transactions or experiences Then where does a LATE PAYMENT COME FROM? WHERE DOES HIGH UTILIZATION COME FROM? IT IS NOT SUPPOSED TO BE ON THE CONSUMER REPORT AT ALL ACCORDING TO CONGRESS!

I have attached the letters sent, Law 15 USC 1681a ( 2 ) ( a ) ( i ), & Copies of the credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: VA

Complaint narrative:
Four times I explained Equifax that I didn't apply XXXX credit card on XX/XX/2021 and XX/XX/2021. Last month I called XXXX and they denied the applications twice because someone else failed to provide my ssn or incorrect information. XXXX already emailed Equifax to correct and delete the reporting. Also, I discovered my wrong birth date Equifax made. I requested Equifax failed to do their job to correct my reporting more than a month. 

XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone XXXX XX/XX/2021 XX/XX/2021 I don't have mobile phone then I don't have text number. Most of times I am using email for verification code since I am XXXX customer. 

Any assistance you can provide is greatly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: PR

Complaint narrative:
I received 2 notifications of hard inquiry from 2 different companies which I did not do. XX/XX/2021 XXXX  XXXX XXXX and XX/XX/2021 XXXX XXXX credit.

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 2021-12-20 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 checked my credit report and sent out letters to XXXX, Transunion XXXX XXXX to remove the late payments reporting on my credit profile as it is henerding me from getting credit! Pursuant to 15 USC 1681a ( XXXX ) ( a ) ( i ), Congress said, The term consumer report does not include transactions or experiences between a consumer and the person making the report. The line of credit in which you use and how you use is are Transactions, When you swipe a card thats a Transaction, Your Payment History is a Transaction. My experience is the Line of credit, so if my consumer report does not include the Transactions or experiences Then where does a LATE PAYMENT COME FROM? WHERE DOES HIGH UTILIZATION COME FROM? IT IS NOT SUPPOSED TO BE ON THE CONSUMER REPORT AT ALL ACCORDING TO CONGRESS! 

I have attached the letters sent, Law 15 USC 1681a ( XXXX ) ( a ) ( i ), & Copies of the 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 2021-12-20 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: FL

Complaint narrative:
I checked my credit report and sent out letters to Experian, XXXX XXXX XXXX to remove the late payments reporting on my credit profile as it is henerding me from getting credit! Pursuant to 15 USC 1681a ( XXXX ) ( a ) ( i ), Congress said, The term consumer report does not include transactions or experiences between a consumer and the person making the report. The line of credit in which you use and how you use is are Transactions, When you swipe a card thats a Transaction, Your Payment History is a Transaction. My experience is the Line of credit, so if my consumer report does not include the Transactions or experiences Then where does a LATE PAYMENT COME FROM? WHERE DOES HIGH UTILIZATION COME FROM? IT IS NOT SUPPOSED TO BE ON THE CONSUMER REPORT AT ALL ACCORDING TO CONGRESS! 

I have attached the letters sent, Law 15 USC 1681a ( XXXX ) ( a ) ( i ), & Copies of the 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 2021-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
the account in the amount of XXXX is the amount they said i must pay. But i have no knowledge of this XXXX XXXX account i never opened a account with them now they are threating to sue me for something i have no knowledge of they said the account was open in XXXX in was closed XXXX of XXXX. they are saying they have been trying to contact me but i never got any calls. i have not or ever had a account with them that is fraud. now they is threating me to sue. i did contact them in told them i never had a account they were still trying to make me pay i told them i will file a police report if possible about the account because i have no knowledge of the account or the amount i even told them thats not have u spell my name on the account my name is mis spelled. if it was my account how could i get something like that wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dominion Law Associates, P.L.L.C.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is a follow up complaint against Equifax, for they have failed to provide accurate information that is in accordance with federal law, FCRA, and congress. The complaint number that I am following up on is XXXX. In the response that Equifax has provided they had stated the following : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. '' This is not accordance with federal law or the FCRA because if any consumer reporting agency such as Equifax, prepares an investigative consumer report such as Equifax has admitted to doing so. Congress, federal law, and the FCRA states in 15 USC 1681L that " no adverse information in the consumer report may be included in a subsequent consumer report. '' Equifax has in fact furnished an investigative consumer report while also furnishing adverse information. Therefore any and all adverse information needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I did a payment of XXXX $ from XXXX through PNC, but once I did the transaction the person blocked me on XXXX XXXX, I tried contacting on the phone number he has has, but no response, I tried every single way but no response. 
I tried to raise dispute but my company says that as the transaction was dne through XXXX we can not return the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: Westlake Services, LLC
State: FL

Complaint narrative:
I still have Inaccuracy on my credit report after multiple disputes letter sent informing them about the problem. 

From my understanding is that the XXXX XXXX Format is the industry standard for reporting accurate, complete, and timely information. The Item of Information should, but does not, accurately and completely paint a truthful picture and such consumer reporting fails to meet the maximum possible accuracy which is the industry standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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:
This is 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 Experian 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 Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: NY

Complaint narrative:
Ive been a mortgage customer at Union Bank for many years. Earlier this year I refinanced within Union Bank under lower percentage. My payments are automatically administered by the XXXX XXXX XXXX monthly. As it happens, Union Bank issues new account number for me, but the payments were going to the old account and I wasnt made aware of it. 
As a result there is a late fee of {$250.00}, again, I wasnt aware of. I sold my house few weeks ago and only then discovered that late fee. The Union Bank customer service supervisor apologized for a mishap of ever assigning me a new account and reversed their late fees. Well, as that late fee was included in the closing cost, the bank never issued the check, that is due to me.

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 monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
was contacted by a company that identified itself to me as per attached document I was instructed to send these funds to specific beneficiaries. The merchant claimed that the funds from these transfers would be used to fund the brokerage/investment account they provided. At the time, the merchant presented this information as if the beneficiary was actually them. 
Since initiating these transfers, I have determined that the named beneficiary does not actually have any type of connection to the merchant at all. The terms and conditions provided on the merchants website list the client agreement as being between the merchant and myself. The name of the beneficiary to whom the funds were transferred by bank wire is not listed on the merchants website. 

It has recently been brought to my attention that there is not any connection between the merchant and the beneficiary to whom the funds were transferred. 


That is why I am reaching out to the bank a while after the transfer of the money to be deposited had occurred, to assist me by requesting the merchant 's bank launch a fraud investigation against the merchant and reverse the transactions if the funds are still available in the merchant 's account. 



In light of this information, I am kindly requesting you to start a fraud investigation and a wire recall procedure. 


I am available to provide further documentation or clarification as needed if you can supply me with an email address. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good day, I have encountered some problems regarding on my account being limited on Paypal on this day XX/XX/2021 my account was been permanently limited. 

I'm from the XXXX, I have XXXX in my account which I cant get because they hold my account. 

I have promptly gave the necessary documents. And I have followed all the steps and still PayPal have no respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: NC

Complaint narrative:
I asked the company in writing to provide documentation that I provided them with a HIPAA release to access medical information associated with this debt. The company refused to respond to the original letter or a follow up letter sent 45 days after. Creditor refused to remove from report after failing to verify the debt.

Company response to consumer: Closed with non-monetary relief