vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 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: TN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-15 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: MS

Complaint narrative:
XXXX and associates says I owe {$1300.00} dollars to them but I do not owe them anything. They have been sending me letters an I dont know why. They say the account was opened on XXXX XXXX but I defer.

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 2021-12-15 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: NE

Complaint narrative:
I placed placed a security freeze on my Equifax credit report on XXXX ending on XXXX. " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' Although a credit freeze had been placed on my account : XXXX inquiries are listed on my Equifax credit file that I did not authorize. They are listed below 1. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NE XXXX. 

Equifax is in clear violation of FCRA 604, under permissible purposes of credit files. They are legally obligated to furnish permissible proof of the authorization of creditors to view consumer 's credit file, when consumer requests such documentation. I have requested this information XXXX times. 
Equifax Information Services LLC is in direct violation of FCRA law by not deleting these inquiries from my credit profile. 

Please see the following documents that I have attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: NY

Complaint narrative:
I have not been trying to this dispute these items multiple times and been reaching out to all three bureaus and nobody has contacted me about why these items on my report are still here its been 60 days and nothing I need it to be removed I am trying buy a house and this has been affecting me tremendously

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 2021-12-15 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: NY

Complaint narrative:
I have not been trying to this dispute these items multiple times and been reaching out to all three bureaus and nobody has contacted me about why these items on my report are still here its been 60 days and nothing I need it to be removed I am trying buy a house and this has been affecting me tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Three years ago i answered a complaint from XXXX & XXXX re : an alleged debt under my name. I answered and informed them that I was a victim of identity theft and requested documents which they could/would not provide under DISCOVERY including a 1099XXXX the case was assigned to a SUPREME COURT OF XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX. back and forth then all of a sudden the case went quiet for almost three years. now I receive a letter application to convert pending action to E-filing. I have a police report of identity theft, another case was recently dismissed with prejudice because of this. XXXX XXXX XXXX has not and will not fulfill the elements of this process

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: FL

Complaint narrative:
I have disputed the validity of 4 different accounts with TransUnion by mail. One of the accounts is still being negatively reported on my TransUnion credit report even though that particular creditor has and is violating the FCRA. Proof that the creditor did not validate my debt was sent along with a letter requesting that TransUnion investigate and delete all accounts being reported incorrectly or not being validated. The letter and proof was sent on XX/XX/XXXX directly to TransUnion headquarters. A response from them has been received and it shows that one account was updated not deleted even though Trans Union was sent proof of XXXX XXXX XXXX Violating the FCRA by not properly responding to the consumer and validating the debt correctly. XXXX XXXX XXXX was sent a debt validation letter and debt follow-up letter on XX/XX/XXXX and XX/XX/XXXX. The first response I received from XXXX city XXXX was a letter post marked for XX/XX/XXXX. XXXX XXXX XXXX XXXX the FCRA and TransUnion was notified about the violation, but did nothing. The main problem with TransUnion 's response was that they failed to delete inaccurate information from my credit report and that information still remains. This is a direct violation of the FCRA and a civil case against TransUnion will be filed soon.

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 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This company ran my credit 7 times. This was only supposed to be a soft pull. Then they denied application saying they couldnt verify me although they obtained my score. They are violating the Equal Credit Opportunity Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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:
I have been disputing these negative items for months now I have been contacting all bureaus asking for answers about why unverifiable items is on my report I am trying buy a house and this has been hurting me please look at my items and removing 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 2021-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/21 I made a transition with XXXX  using my Chase bank app. I thought I was transferring money in the sum of {$600.00} to my other bank account with XXXX XXXX XXXX.I noticed that the transaction did not immediately go through so after further investigating I saw that the money was sent to a XXXX account with the phone # XXXX which was not the XXXX that I thought it was going into. I have contacted Chase and XXXX several times to no avail. Basically Im out the {$600.00} with no way of even filing a police report because no information on the receiving party to be able to do so. 

Please Help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15 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: AR

Complaint narrative:
On XX/XX/2021 I disputed an account I have no knowledge of on the Equifax website, which is shown as XXXX  in the amount of {$360.00}. After disputing this account, I received an email on XX/XX/2021 stating that the account had been verified that it belongs to me, in which I didn't agree. I then sent a letter to Equifax on XX/XX/2021 asking for the method of investigations and what procedures were used to determine the accuracy and completeness of the disputed information. On XXXX XXXX I received a letter from Equifax with my credit report with the disputed account still on it, stating it had been verified but the method of investigation was not included in this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: FL

Complaint narrative:
On Thursday, XX/XX/XXXX, I submitted an application online with XXXX XXXX XXXX XXXX in XXXX XXXX, FL. Shortly after, I spoke to the Leasing Agent, XXXX XXXX, over the phone and I authorized a charge for the application fee in the amount of {$75.00}. I provided my credit card information over the phone to pay the application fee, but I was charged more than {$75.00}. I did NOT authorize the additional charges placed on my card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The total amount charged by XXXX XXXX XXXX is {$580.00} USD. It should be {$75.00}, so I disputed the amount of {$510.00} with Chase. In both the first and secondary reviews by Chase, they found the transaction to be valid, despite the information I provided that clearly proves that I never agreed to these charges. Consequently, I am filing this complaint with the Consumer Financial Protection Bureau as I have exhausted my options with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: FL

Complaint narrative:
I have disputed the validity of XXXX different accounts with Experian by mail. One of the accounts is still being negatively reported on my Experian credit report even though that particular creditor has and is violating the FCRA. Proof that the creditor did not validate my debt was sent along with a letter requesting that Experian investigate and delete all accounts being reported incorrectly or not being validated. The letter and proof was sent on XX/XX/XXXX directly to Experian headquarters. A response from them has been received and it shows that one account was updated not deleted even though Experian was sent proof of XXXX XXXX XXXX Violating the FCRA by not properly responding to the consumer and validating the debt correctly. XXXX XXXX XXXX was sent a debt validation letter and debt follow-up letter on XX/XX/XXXX and XX/XX/XXXX. The first response I received from XXXX XXXX XXXXXXXX was a letter post marked for XX/XX/XXXX. XXXX XXXX XXXX Violated the FCRA and Experian was notified about the violation, but did nothing. The main problem with Experian 's response was that they failed to delete inaccurate information from my credit report and that information still remains. This is a direct violation of the FCRA and a civil case against Experian will be filed soon.

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 2021-12-15 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 recently received a copy of my credit report and i noticed for the second time an account on my consumer credit that should not be there. XXXX XXXX XXXX XXXX XXXX acct. # XXXX the last payment amount XXXX on my Equifax credit report does not match the XXXX XXXX XXXXXXXX XXXX  XXXX the amount XXXX. ( See attached XXXX XXXX letter dated XX/XX/2021 and Equifax credit report file # XXXX. This is a violation of the FCRA 611 1681i. Please delete this account from my Equifax consumer credit report now and send me a corrected copy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation
State: DE

Complaint narrative:
On XX/XX/2021 we put in an application to remove the PMI on our mortgage. We had done a large amount of upgrades to the property which warranted removal of the PMI. Several times we were told that we didn't submit the appropriate information, which we had submitted multiple times. There has been no communication on the mortgage companies end. All communication has been executed by me and I have yet to receive any callbacks or emails as promised from them. They sent an appraiser to my home TWICE saying they never received the report which was false. We are 6 months in in trying to have the PMI removed from our loan and we still have no correspondence from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Fidelity Capital Holdings , IncXXXX dba Fidelity Creditor Service is a debt collector as defined by Cal. Civ. Code 1788.2 ( c ) and that the alleged debt is a consumer debt as defined by Cal. Civ. Code1788 ( f ). They are therefore subject to the provisions under the Rosenthal Fair DebtCollection Practices Act ( RFDCPA ). Their collection letter ( s ) are in violation of Cal. Civ. Code 1812.700 and 1812.701 which require specific language to be included in such collection letters, with specific and conspicuous formatting. The letter ( s ) received contain no such language or formatting. As stated in Cal. Civ. Code 1812.702, any violation of these provisions shall be considered a violation of the RFDCPA. 

Fidelity Capital Holdings , Inc. dba Fidelity Creditor Service, through its agent XXXX XXXX XXXX, laughed off our complaint, called it entertaining, and hung up the phone after I called to resolve the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: MS

Complaint narrative:
XXXX and XXXX says I owe {$1300.00} dollars to them but I do not owe them anything. They have been sending me letters an I dont know why. They say the account was opened on XXXX XXXX but I defer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: MS

Complaint narrative:
XXXX and XXXX  says I owe {$1300.00} dollars to them but I do not owe them anything. They have been sending me letters an I dont know why. They say the account was opened on XXXX XXXX but I defer.

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 2021-12-15 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: NJ

Complaint narrative:
To whom it may concern, In XX/XX/XXXX, I was notified that there was an account on my credit report from a loan taken out back in XX/XX/XXXX. When I reached out to the credit collections, they informed me the loan was with XXXX XXXX XXXX XXXX and that I could reach out to them as they was asking for repayment. I was able to get in touch with XXXX XXXX XXXX XXXX and they stated the loan was mine and I would have to work with the agency. I reached out to the agency and was told I could file a police report and submit to Equifax. When I went to the police station back in XXXX, I was told that I needed the account number but XXXX XXXX would not provide this information to me. XXXX XXXX kept referring me back to the collection agency. I ended up writing a letter to all XXXX credit bureaus regarding the situation and XXXX XXXX updated my credit report, taking the collection debt off. Equifax, however did not and stated that this account was mine. We are now in XX/XX/XXXX and this is still on my account. My credit score is great and I am looking to resolve this matter and get this account removed. I have attached my current credit reports as of XX/XX/XXXX to show the negative account on my credit and highlight my XXXX and XXXX account as it has been removed. To prevent this issue from happening again, I have locked my account so now all open accounts under my name have to be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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:
I have been disputing these negative items for months now I have been contacting all bureaus asking for answers about why unverifiable items is on my report I am trying buy a house and this has been hurting me please look at my items and removing 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 non-monetary relief
Consumer complaint received 2021-12-15 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:
I have been disputing these negative items for months now I have been contacting all bureaus asking for answers about why unverifiable items is on my report I am trying buy a house and this has been hurting me please look at my items and removing it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: CT

Complaint narrative:
I have disputed negative items on my report multiple times almost close to XXXX times the bureaus have not sent me no letters to verify these items on my report I have not been given anything I have been calling and been giving the run around repeatedly this is very disheartening because I can not get my house until my credit is fixed please look into this matter immediately

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 2021-12-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted Bank of America edd prepaid card filed a dispute claim the dispute claim was honored and a permanent credit of XXXX something was applied to the card In the card was frozen for no explanation whatsoever I have contacted them multiple times as well as walked into the bank with 2 forms of identification and nothing They're now advising me to contact my sponsor but it has nothing to do with the sponsor it is Bank of America there is a federal lawsuit put against Bank of America there is a federal lawsuit put against Bank of America not to block or freeze cards which they have done to me I as well have not Received my card in the mail so there is a XXXX something dollar balance sitting on the account but I have no access to it or a debit card

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