vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Money was sent via XXXX using my capital one bank account without my consent by another individual, amounting in XXXX dollars, I reported this to my bank and denied my claim and will not get my money back which a representative at XXXX stated my bank can do, and has to do because it's XXXX 's policy, but my has to be the one to reclaim the money because it was done through the capital one mobile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I was calling in on all XXXX of my credit history, and on Experian calls it keep asking me am I still living at this address ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ) I NEVER EVER OR VISIT OR STAY OR EVEN HEARD OF THIS ADDRESS until I heard it over the phone trying to call in on Experian credit report so am worry it's not reported on any of my XXXX credit report so am confused why and how am getting this message is someone claiming to be me at this address need some support and answers notices this issues more then XXXX time but recently XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 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: TX

Complaint narrative:
XXXX, XXXX, And Transunion is reporting inaacurate and unverified late payments. I recently asked the 3 bureaus to investigate the deliquent accounts. I recieved information that the accounts were verified and accurate without any proof. I have never been late, so these accounts should not be reflecting late. I ask for amethod of verification.

1. What did your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2. What certified documents were reviewed to conclude your investigation?

3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. Please provide proof of your timely procurement of certified documents.

5. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

6. If yes to above : A. Who did you speak to?

B. On what date?

C. What was their position?

E. What telephone number did you call?

F. What is the name of the employee of the company that spoke directly to the above party?

G. What is the position of the employee of the company that spoke directly to the above party?

I. What formal training was provided to this employee to investigate items of this kind?

J. Was there any e-mail or written communication between members of your company and the employee that youve spoken too?

7. If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

8. Provide the date of the commencement of delinquency 9.Provide the SPECIFIC date reporting that these items will cease There is no question that you willfully violated my rights and that I could bring charges against you immediately. I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of inaacurate information, I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2021-11-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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:
I have contacted equifax several times to investigate and remove this inaccurate and incomplete information. They have failed to send me proof of how this account is accurate, Due to Equifax not complying with the FCRA I am now seeking statutory damages of $ XXXX {$1000.00} per violation. Equifax is constantly reporting and updating a account that is against the Metro 2 compliance based standard and the FCRA. I will have my lawyer to contact Equifax. I attached a copy showing the inaacurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is an incorrect Bankruptcy listed on my Equifax and XXXX credit reports, I believe it belongs to somebody else who has a similar name to me and has been mistakenly placed on my reports. I have been disputing the error with the bureaus since XXXX of XXXX, but they have not removed it. I have done my research and I know that the courts do not report or verify information with the bureaus so I requested that the bureaus provide information on where they got the Bankruptcy info from. Equifax responded once in XX/XX/XXXX, stating that they got the info from XXXX. I know this is impossible because XXXX confirmed to me over a year ago ( In XXXX of XXXX ) that they investigated and found the bankruptcy to be an error, resulting in its removal ( see attached document ). XXXX has never responded to me even once, despite my monthly disputes sent via certified mail. Not responding is a violation of FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: TX

Complaint narrative:
Equifax, XXXX, And XXXX is reporting inaacurate and unverified late payments. I recently asked the 3 bureaus to investigate the deliquent accounts. I recieved information that the accounts were verified and accurate without any proof. I have never been late, so these accounts should not be reflecting late. I ask for amethod of verification.

1. What did your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2. What certified documents were reviewed to conclude your investigation?

3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. Please provide proof of your timely procurement of certified documents.

5. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

6. If yes to above : A. Who did you speak to?

B. On what date?

C. What was their position?

E. What telephone number did you call?

F. What is the name of the employee of the company that spoke directly to the above party?

G. What is the position of the employee of the company that spoke directly to the above party?

I. What formal training was provided to this employee to investigate items of this kind?

J. Was there any e-mail or written communication between members of your company and the employee that youve spoken too?

7. If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

8. Provide the date of the commencement of delinquency 9.Provide the SPECIFIC date reporting that these items will cease There is no question that you willfully violated my rights and that I could bring charges against you immediately. I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of inaacurate information, I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: CA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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:
This is my second time pulling my credit report and I still noticed 2 fraudulent accounts on my report that i have absolutely no knowledge of. I have never done business with XXXX or XXXX. Again, I contacted XXXX, XXXX and Equifax they requested an FTC report. I have never done business with these company. I am a victim of identity theft. I have attached a copy of my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Name- XXXX XXXX DOB- XX/XX/XXXX SSN - XXXX Address - XXXX XXXX XXXX XXXX XXXX VA XXXX I went to apply for a loan and was denied. The credit report showed a bankruptcy. I ordered my report from LexisNexis and there are multiple inaccuracies on the report. The first thing is they list me as deceased in XXXX but then list my addresses and XXXX drivers license number. How can I be deceased? Secondly, there's a bankruptcy showing on my report, I called the clerk at the court and she said they have no record and I asked them how can this be put on my credit file? She said LexisNexis was the company that sells public record information to the credit bureaus. I disputed with all 3 credit bureaus and they all came back saying this information was validated through LexisNexis. LexisNexis states they verify this information through the court so I called the clerk at the court again and she stated that they do not verify court case information. So now I am requesting LexisNexis to delete the bankruptcy information from their report as it is erroneous and they have zero proof of validity and also for them to take the " deceased '' flag off of my account as it has caused different financial institutions to deny me credit and also close active accounts that I have. This has to be some sort of violation of law for a company to sell/furnish/publish information that is not accurate to companies that use this information for credit/employment/housing/insurance/etc. There are also multiple vehicle accidents/incidents on my file that have people with the same last name but nothing to do with me which I found out raises mu insurance rate. I'd like those deleted as well, I am going to consult an attorney because this is terrible how much money and job opportunities I have missed out on by the misrepresentation of LexisNexis data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've sent disputes to Experian regarding 6 inaccurate accounts on my credit report. I sent two letter on XX/XX/2021 and XX/XX/2021. I have not received any results in the time allowed. Below are the accounts I asked Experian to delete from my credit report for inaccuracies : 1. XXXX XXXX, Account Number : XXXX 2. XXXX, Account Number : XXXX 3. XXXX XXXX, Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX, Account Number : XXXX 6. XXXX XXXX, Account Number : 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 explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I called XXXX and ask for the original Documents to verify my account and no help at all, they post 2 account on my XXXX Report. 
account # 1 {$420.00} account # 2 {$490.00} I called the Original Creditor XXXX XXXX for more help and they told me i'm not on the system! 
the account does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I've sent disputes to Equifax regarding 6 inaccurate accounts on my credit report. I sent two letter on XX/XX/2021 and XX/XX/2021. I have not received any results in the time allowed. Below are the accounts I asked Equifax to delete from my credit report for inaccuracies : 1. XXXX, Account Number : XXXX 2. XXXX XXXX, Account Number : XXXX 3. XXXX, Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX, Account Number : XXXX 6. XXXX, Account Number : XXXX 7. XXXX Bank, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: NCB Management Services Inc.
State: NY

Complaint narrative:
NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX PA XXXX My Account was closed by XXXX XXXX XXXX XXXX then reopened with NCB management, My payment history is incorrect, therefore damaging my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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:
I the consumer and original creditor XXXX XXXX sent letter to credit reporting agency in regards to not having any written consent to report anything on my consumer report. Under 15 U.S 1681b- Permissible purposes of consumer reports In General Subject to subsection ( C ) any consumer reporting may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

No consent is Identity Theft. I demand that these account and inquiries be deleted from my consumer report immediately. 
Account Account Number US Dept ED XXXX XXXX XXXX XXXX Inquiry Inquiry Date XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
They are still showing my account is past due even though Ive already filed my complaint and they responded that they would take care of it. They couldve taken care of this immediately and its been another week or two weeks.

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 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: OH

Complaint narrative:
I have been contacted via mail and email for a debt that is not real. I called and they gave an address that I never lived at and a debt I never encured. Several attempts and threats to pay {$920.00} with XXXX XXXX XXXX ( current creditor of your original XXXX XXXX Bank ( XXXX ), N.A. account ). I called in XXXX 2021 to file a dispute and they said the incorrect collection attempts would be taken care of. It is now XX/XX/2021 and the emails and mail has returned asking for me to pay ~ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Saturday XXXX XXXX, my wife and I attempted to redeem points to book a flight. The website was broken such that after we selected the flight and filled out all of our information ( passport numbers, etc. ), you could not proceed to confirm it. We tried this over multiple days on different computers, web browsers, the app, etc. No luck. 

We called on Saturday and spent approximately one hour trying to book the flight. The rep ran into the same issue, put me on hold, and then when he returned his phone wasn't working. He claimed he couldn't hear me. I called back and clearly the issue was not my phone. This new rep falsely told me the booking had gone through and gave me an itinerary number and travel ID. 

When I did not receive a confirmation email I called again on Monday XXXX XXXX. I spent almost XXXX hours on the phone with four different people. It turns out I had been given a confirmation number from a booking in 2018. By now all the flights we had tried to get were either gone or massively more expensive. It took three days and calls with 8 representatives to get a flight booked. On XX/XX/XXXX I received another call in response to my complaint and I was advised I wasn't " eligible '' for any compensatory points/ goodwill points because there hadn't been a booking.

In sum, they prevent you from using the points, then use that as an excuse to not offer anything. It should not take 6+ hours on the phone and conversations with 8 people to redeem points to book a round trip flight.

Moreover, throughout the process I was consistently lied to -- in addition to being told falsely that a booking had been made, every time I asked to escalate I was told ( incorrectly ) that the new person would have additional authority. Every single time they clearly went to the same website and read the same options to me. I was told by several individuals they did not have a supervisor, which is ludicrous on its face. Similarly, the Chase Support XXXX account also repeatedly demonstrated a cynical incompetence -- asking for the same information repeatedly despite it being in writing, telling me the card number I gave them didn't exist, fixating on looking into the 2018 booking when clearly that wasn't the issue etc. etc. 

At a minimum, customers should be warned that the rewards program with Chase is a racket designed to make the points as difficult to redeem as possible, and that the customer service representatives are a nesting doll of interlocking policies designed to waste time and deflect costs and responsibility to the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: GA

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX REPORT AND NOTICED ACCOUNTS AND INQUIRES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT THESE ARE THE FRADULENT ACCOUNTS 1. XXXX XXXX XXXX XXXX. XXXX 2. XXXX XXXX XXXX XXXX. XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX. XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX. XXXX 8. XXXX XXXX. XXXX 9. XXXX XXXX XXXX  XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX

Company response to consumer: Closed with explanation