vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 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: NV

Complaint narrative:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Equifax on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Equifax continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Equifax is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I called today to request forebarence or deferment of payments since my husband is now unemployed due to Covid. The company said they are no longer offering any " extensions. '' I told the representative that I thought all companies had to comply due to Cares Act if the loss is pandemic related, she stated that they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: NY

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I'm sure you, I have never taken out these charges. I do not have access to the documents related to these accounts, but the creditors would.

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 2020-11-17 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: NY

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I'm sure you, I have never taken out these charges. I do not have access to the documents related to these accounts, but the creditors would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2020 I sent Capital One a Affidavit of Truth regarding a credit card in the amount owe of {$660.00}. In the bill statement Capital One had 6 federal privacy act violations I also attacked a notice in the amount of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

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 2020-11-17 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On XXXXXXXX XXXX,2020 XXXX XXXX alerted that Midland Credit Management has added a derogatory remark on my credit report per XXXX XXXX. Collection reporting upon further research this account was transfered and sold and I am no longer responsible for the amount of XXXX. Debtors Credit didnt verify the collection. Also, there was NO written form of communication, contract, or written signature for the amounted debt at all. A bill without a signature does not validate debt and anybody can send a bill and say that it is mine. According, to the FCRA Midland Credit Management has violated my rights a consumer and I am requesting legal action to remove this immediately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 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: CA

Complaint narrative:
On or around XX/XX/XXXX I received a text message to verify a charge from my bank that was in fact not me. Upon receiving this, I checked my banking to see several charges I did not recognize. After that I went to verify my card was in my possession and noticed that both my XXXX XXXX and my Credit Card were not in my wallet. I shopped at XXXX earlier and I believe the cards were likely lost at the store or in transit to my house. 

Notified Chase of the lost card same day, a temporary refund was issued. about two months later the charges were re-billed as I " shop at XXXX often '' however several charges occured at stores I've never been to during times I was at work nearly 100 miles away. Chase, ignoring all of this information stands by their assessment these charges are valid. On a follow up call it was suggested that I go down to XXXX and get surveillance footage, something that should have easily been part of their " investigation ''. I am also able to provide detailed logs of where I was on these dates in question which will validate I was at work. 

I went to XXXX last week to secure footage as requested at which point XXXX notified me they only keep footage for 60 days, had Chase done their job right in the first place we'd have video footage of the criminals, instead they tell me more than two months after the fact that's my job to prove i'm not a party to the crime. XXXX was able to provide copies of the receipts from these transactions, so we at least have an itemized list of purchased items, Chase ( or an officer ) is welcome to come to my house and validate I do not own any of these items. 

Further, I am filing a complaint with the FTC due to the improper businesses practices on behalf of Chase in this matter. This is a very straightforward case of me losing my cards and someone taking advantage of the situation. According to the fair credit act ; My liability is to be limited to {$50.00} as I reported this fraud within 24 hours of becoming aware of said fraud. Additionally the FCRA explains in plain english that if the card issuer believes me to be lying about these transactions they have the burden of proof in doing so. Thus far the only thing Chase can provide as " evidence '' is I've shopped at a store that in 2019 had 94.5 Million members.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted Experian about the inaccurate addresses on my credit report. XXXX XX/XX/XXXX and again XX/XX/XXXX when I received a reply stating no changes were made to credit report. 
I disputed the addresses they are reporting which are not deliverable by the post office. 

The following addresses are inaccurate : XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX CANT BE ABBREVIATED ABD THERES NO APARTMENT NUMBER. Mail would noit be delivered to me at this address. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX. Again there's no apartment number and the XXXX  digital code is incorrect. 
My correct address is : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX I included copies off my current address as proof. The reply was sent to the correct address I submitted to them and yet the have not changed my credit report. 

The FCRA states that the information contained within my credit report is to be accurate and when there's an inaccuracy that it is to be corrected and a new report is sent to creditors in which the applicant applied for credit within the last 30 days.

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 2020-11-17 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: CA

Complaint narrative:
The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CA

Complaint narrative:
The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

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 2020-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Via Certified Mail, Return Receipt Requested XXXX XXXX XXXX, Account Charged off. This account has been placed with XXXX XXXX XXXX XXXX XXXX  XXXX. My disputed account reporting on my XXXX, XXXX and TransUnion Credit Report following investigation, and each credit bureau refuse to re-investigate, OR verify the accuracy information I disputed.

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 2020-11-17 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: NJ

Complaint narrative:
Via Certified Mail, Return Receipt Requested XXXX XXXX XXXX, Account Charged off. This account has been placed with XXXX XXXX XXXX XXXX For Collection. My disputed account reporting on my XXXXXXXX Equifax and XXXX Credit Report following investigation, and each credit bureau refuse to re-investigate, OR verify the accuracy information I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/2020 we closed on a new mortgage loan ( XXXX ) with TD Bank. 

The funds from this new mortgage loan were supposed to payoff our existing mortgage loan ( XXXX ) which was also with TD Bank. 

It has been 4 weeks and the funds from the refinance have not been applied to the original mortgage. It still shows an outstanding balance, payment due, and is accruing interest. 

We have notified our loan officer, XXXX XXXX, by phone and email multiple times and he has not responded to our questions. We attempted to contact his supervisor, XXXX XXXX, and he has not responded. The closing agent, XXXX XXXX at XXXX, verified that the funds were dispersed on XX/XX/XXXX and a wire transfer was sent to TD Bank to payoff the existing loan ( confirm via email received from XXXX XXXX on XX/XX/XXXX ) The payment to the old mortgage ( XXXX ) needs to be completed and back-dated to the date of our closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted Experian to report inaccurate information on my credit report on XX/XX/XXXX and again XX/XX/XXXX of this year. I disputed my name being reported inaccurate on their report. My name is being reported as XXXX XXXX which there are 35 people of the same name in the state of California and more nationwide there's even one that's a XXXX XXXX driver. Because of this fact and the rise in identity thief I chose to report my name as on my birth certificate and social security card and drivers license. 

That name is XXXX XXXX XXXX. That name is also on my business documents fort my company XXXX XXXX XXXX, also with my association with XXXX XXXX XXXX ( a youth basketball association ) There has been occasions to abbreviate my middle name but never exclude it. 

I sent copies of my Driver 's License, Social Security Card and bank statement. 

The FCRA states that the information reported on my report should be accurate. I applied for credit and was told that my name did not match the name I applied versus the name being reported by Experian.

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 2020-11-17 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
RE : EQUIFAX ... ..I REQUESTED COPY OF REPORT OVER 45 DAYS AGO TO SEND UPDATE FREE ANNUAL CREDIT REPORT AND TO THIS DATE REPORT HAVE NOT BEEN RECEIVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The last time I sent out my dispute letters was on XX/XX/13. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/13. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/13, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

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 2020-11-17 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Transaction for on XX/XX/20 XXXX XXXX in the amount of {$150.00}. Advised company transaction was not authorized. Representatives are extremely, rude, and unhelpful. Number called XXXX s/w XXXX at approx. XXXX XXXX  on XX/XX/20. Refused to provide a supervisor and the number to corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: NV

Complaint narrative:
There is a medical collection on my credit report that isn't mine. Please remove it.

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 2020-11-17 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: NJ

Complaint narrative:
The last time I sent out my dispute letters was on XX/XX/13. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/13. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/13, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: NJ

Complaint narrative:
The last time I sent out my dispute letters was on XX/XX/13. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/13. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/13, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

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 2020-11-17 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation