vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10.  Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX  Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

21. Identity Theft Account Number : XXXX This is not mine. 

22. Identity Theft Account Number : XXXX This is not mine. 

23. Identity Theft XXXX XXXX XXXX XXXX IXXXX XXXX Account Number : XXXX This is not mine. 

24. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

25. Identity Theft XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There have been unauthorized inquiries made on my report under my social security number and I need the removed based off the fair credit reporting act I have the right to have them removed. 

XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX  Bank Credit Cards XX/XX/XXXX Experian XXXX Bank XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Miscellaneous XX/XX/XXXX XXXX  US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX  XXXX Miscellaneous Sporting Goods XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Bank XX/XX/XXXX XXXX XXXX Travel/Entertainment XX/XX/XXXX XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX Travel/Entertainment XX/XX/XXXX XXXX  XXXX XXXX  Bank XX/XX/XXXX XXXX  XXXX Travel/Entertainment XX/XX/XXXX XXXX XXXX Bank XX/XX/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 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
Penfed credit union is false reporting to my credit reports XXXX, XXXX and XXXX that I am delinquent and is reporting false amounts that I did not owed. they are putting on my balance each missed month payment plus late fees charges to my visa credit card XXXX, XXXX for the months under declared disaster XXXX COVID 19 ( XXXX XXXX TO XX/XX/XXXX ), XXXX ( XX/XX/XXXX TO XX/XX/XXXX ) and natural disasters and personal situation CAR ACCIDENT WITH PROPERTY LOSS DUE TO NATURAL DISASTER DISRUPTION XXXX AND XXXX. ( XXXX XXXX ). ALSO IN XX/XX/XXXX they closed my XXXX XXXX credit card XXXX without my concern, without my authorization and without previous notification and transferred the credit card balance to new visa credit card XXXX, after I used my XXXX during a trip to XXXX and because I make an claim for not service received and change location for my own safety. They continuously makes calls, sent emails, sent letters and denied me a consolidation loan for my credit cards because they said the accounts will be closed, and I applied XX/XX/XXXX because they are charging if i have a loan of {$20000.00} instead of {$10000.00} in monthly payments where I am paying the double amount for credit cards. But was not the real reason they want to let the accounts open to charged monthly payments and late fees over the credit limit and damaged my credit report, they also threatened me that my credit report will be impacted and I was not employed with FEMA and XXXX XXXX XXXX XXXX last year because the credit report, where under CARES act they banking institution and credit union institution supposed to not report that, neither told me that I am delinquent and with inaccurate delinquent amount. They closed the accounts recently when threatened me to send the accounts to debt collection agency by letter, and I can't used it since XX/XX/XXXX, they did not allowed any more charges over the credit limit of {$5000.00}. And they denied me a car accident loss property replacement transportation auto loan against my rights to continued with a replacement transportation after my property loss in the car accident, that was not my fault, it was an attempt to my life, where the truck is completed stop in the expressway very early morning at XXXX and there no illumination in the road. They obligated me to submit a hardship application and they took the money of my account without my concern and without authorization last XX/XX/XXXX, and they tried to take the third stimulus amount received to cover credit cards missed payments under Covid19 disaster XXXX in a predatory action against 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 explanation
Consumer complaint received 2021-09-01 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: OH

Complaint narrative:
I was the victim of identity theft. I filled out an affidavit, police report and I filed disputes online and with the original creditor requesting proof of the accounts. I was NOT provided any proof and the credit reporting bureaus did not remove the items. I have asked repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TX

Complaint narrative:
The business is attempting to collect a debt by filing suit against me a insolvent consumer as per 15 USC 1601. I have reason to believe and do so believe that I am the consumer in fact as in relation to 15 USC 1692a ( 3 ) and that I allege I have been furnished deceptive forms of communication in relation to an alleged debt obligation ; Notice, it is a fact that, I have reason to believe and do so believe, I the consumer / origin of credit owe no debt. Notice, I allege that in the matter of account / case / CAUSE NO. XXXX this new condition for matter of presentment is in dispute for the validity of a debt or to discover if no debt exists. They are damaging me for trying to collect a debt as per 15 USC 1692 ( k ) and furnishing furnishing false and deceptive rules of communication pursuant of 15 USC 1692 ( k ) by claiming I owe a debt. Since no lawful money exist and as per public law 73-10 my ability to pay was taken away and I can not legally ( pay ) a debt with a debt note.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: FL

Complaint narrative:
On XX/XX/21 a formal complaint was sent to Equifax for reporting inaccurate and incomplete information. Received information back from Equifax stating that the disputed items have been verified. On XX/XX/21 a letter was sent to Equifax to verify the method of verification and equifax has not responded. Under federal law Equifax has 15 days to respond to request and there was no response at all. I demand that the disputed items be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: CO

Complaint narrative:
I received the attached notification in the mail which is a clear violation of UDAP. I work in the industry at a Bank and am very familiar with XXXX XXXX XXXX new refinance program for clients with high DTI or low FICO, but this notification promises a potential cash disbursement of {$2400.00} ... what is that, the escrow account? Totally fake, this would make it a cash out and that is not what Fannie Mae is offering. They are offering to pay up to {$500.00} towards the cost of an appraisal if their is not a waiver, but in no way shape or form are they offering a cash disbursement!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TX

Complaint narrative:
There have been unauthorized inquiries made on my report under my social security number and I need the removed based off the fair credit reporting act I have the right to have them removed. 

XXXX Personal Loan Companies XX/XX/XXXX XXXX  XXXX XXXX  Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Miscellaneous Sporting Goods XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX Bank XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX  Bank XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion

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 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Account number : XXXX On XX/XX/2019 someone walked into a Bank of America branch in Florida and withdrew {$3400.00} from my account. It is showing on bank statement as check # XXXX. 
Bank of America gave this person, not me or my wife, these funds. 
This is an identity theft or a mishandling of accounts by Bank of America giving funds to a person who is not who they say they are, theft. 
Called the bank immediately about this unauthorized withdrawal as I was not in Florida but in my home in Connecticut at the time of this transaction. Bank of America said it is an identity theft problem and we need to file a Police report. 
Police report filed, sent to Bank of America ( BofA ) and B of A said we would be reimbursed on receipt of Police Report. I have NOT received any funds, return of {$3400.00} and my enquiries to B of A are falling on deaf ears. Need the to return my {$3400.00}

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 2021-09-01 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: NY

Complaint narrative:
On XX/XX/XXXX, I sent a letter by email requesting that Equifax investigate or delete disputed items from my credit report as well as remove these items from my report during the investigation period. I would like to point out this is a discriminatory practice. Equifax has decided to violate federal credit laws. 

As an XXXX-American I have been denied credit based on the incorrect information and the failure of the credit organization to remove the accounts. This is dead weight that has impacted heavily on my credit score. 

I have 10 closed accounts on my credit report that should have been removed ten or more year 's ago. Including a paid XXXX XXXX account from XXXX. 

Equifax refused to respond to my inquiries. Because of the failure to report accurate information I was declined a XXXX XXXX because of incorrect and inaccurate information. 

As of this date, Equifax failed to respond to my requests. 

XXXX XXXX XXXX XXXX XXXX is still investigating the matter regarding Equifax adding derogatory information after they were told to remove it. 

Equifax illegally put derogatory information on my credit report. The Under Writer from XXXX picked it up and I had to contact XXXX XXXX to alert them and let them know. XXXX XXXX executive team reached out directly to leadership at Equifax. Their behavior is totally unethical at best. 

I still to date have not received any update on any of the disputes. Nor have I received a updated credit report from Equifax. 

The XXXX XXXX XXXX contacted Equifax on XX/XX/XXXX. Equifax held the complaint for two weeks and failed to resolve the issue. Equifax incorrectly told the XXXX  XXXX XXXX they did not know nothing about me or my complaint yet we have an actual email from Equifax addressed to me. 

They refused to work with the XXXX XXXX XXXX. In addition they lied to the NYS Attorney General back in XXXX. They failed to correct or remove anything. 

The credit report was sent to CEO XXXX XXXX and President XXXX XXXX. I also sent over all of the disputed accounts XX/XX/XXXX. 

The law stipulates that Equifax must investigate within 30 days of receiving my letter and respond within 5 days of completing the investigation. They have not followed the stipulations of the law. In addition, I filed 13 disputes and they closed each one without responding or removing any of the information. 
They are beyond reproach. A data breach settlement of, {$570.00} XXXX yet the behavior continues. They do not care about consumers. They in fact are a part of the problem. 

I need to rely on an accurate and complete statement of my credit profile. They have been told multiple times to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have these items that does not belong to me and i want it to be removed from my credit. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


2. Identity Theft SYNCB/BP XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft SYNCB/GAP Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-09-01 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: IN

Complaint narrative:
Yesterday I pulled my credit report and I noticed I have accounts on my credit report that don't belong to me nor have I ever authorized. I notified my lawyer and she instructed me to file a complaint with the CFPB first. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also see several inaccuracies with my personal information. The only name that I have ever used is XXXX XXXX, my address has always been XXXX XXXX XXXX, XXXX, IN XXXX and I am XXXX XXXX. My only number is XXXX. None of the other information applies to me nor has it ever and needs to be corrected. Please correct it as well. Please help 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 explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
This debt collector is trying to collect funds on medical bills that are not valid. I am a 100 % XXXX Veteran with complete healthcare coverage- covered by the XXXX XXXX All of my medical bills are covered by the VA for the rest of my life. This company has added two different collections to my credit report, in the amounts of {$1300.00} and {$510.00}. They are not valid. It's a shame that companies like this exist and that I have to take time away from my health, to deal with this sham of a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
My mortgage loan was transferred to the company to be serviced. I called them countless times to fix the website so I can login to make payments and view my account. 

They do not fix it and only allow me to pay over the phone and always ask for my full social security number over the phone. 

Ive asked them countless time to send a statement of what my balance is and history of payments. I dont get any billing statements either so Im not sure what the account or loan number is. But may be one of below. 

XXXX XXXX This is the website https : //uwm.loanadministration.com/uwm/ # /login

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OLIPHANT FINANCIAL, LLC
State: NJ

Complaint narrative:
I had a XXXX credit card it was charged off I paid it in a settlement it was sent from credit store to oliphant financial to XXXX XXXX and when I spoke to XXXX XXXX they said the account is paid for {$800.00} and they dont know why Im being reported so I called Oliphant back and they claim that they have no access to my account to call XXXX XXXX back. Im getting a run around, they reported my to XXXX and they took off 14 points off my score on an account that was already satisfied. I want my score restored to XXXX and for the to erase themselves off my credit report due to fraud and negligence. BTW I never got notification of this debt cause it was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This just proves your lack of proper record keeping. Now, this item is reporting to be 30,60, and 90 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed and no longer active and should have reflected a status of CLOSED.

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