vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Hi, I am on a CARES act COVID forbearance with my mortgage company, Shellpoint. 

Unfortunately, they are refusing to take or return my calls with regards to said forbearance. 

Their representatives do not have direct numbers, will not provide extensions, and will not provide an appointment to talk to them. They make you wait on hold and no one returns your call. 

I feel they may be doing this for nefarious reasons ( e.g. trying to prevent me from exercising my legal rights to an extended forbearance under the CARES act )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MD

Complaint narrative:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX I XXXX XXXX WASHINGTON, DC XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-03-03 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: NJ

Complaint narrative:
I paid for a business mailer to be sent by XXXX services in early XXXX. This company claimed to have sent the mailer, but it was never delivered. There was no evidence that this order was ever actually fulfilled, and there are dozens of complaints saying this company is a scam online but operating under a different name. 

I filed a complaint with Chase that this was a fraudulent charge on XX/XX/XXXX. They rejected the complaint and said I needed to provide more information. 

I filed a second dispute on XX/XX/XXXX providing additional information that XXXX was fraudulently charging me for services that were never delivered. I also included evidence that the materials provided by XXXX were cropped and altered to obfuscate the fact that the order was never delivered. 

This second claim was also rejected without feedback by Chase. I then tried to contact the Chase dispute department on XX/XX/XXXX multiple times but was hung up on when I was told I'd be transferred to a supervisor. 

I believe that Chase is knowingly allowing XXXX to bill customers for undelivered or non-existent services, and when I pointed this out to them they said there was nothing they could do. I have been a loyal Chase customer for many years, have done tens of thousands of dollars in transactions with them, never missed a payment, and I have been very surprised at their lack of care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  DOESN'T READ COMPLAINTS. I have continually complained against Experian and XXXX XXXX XXXX XXXX ( XXXX  ) because they accessed my credit report without my permissible permission on XX/XX/2017. I continually request the permissible permission and have yet to revive. I know it does not exist. XXXX doesnt read the complaints and continues to label complaints This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. But then they contradict the above statement by stating Keep track of the original complaint numberXXXXso you can track its status and receive the company response on your Consumer Portal or by calling us. Doesnt make any sense.

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 2022-03-03 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: PA

Complaint narrative:
Hello I reached out to Equifax as well as the Creditors individually listed on my credit report and I addressed the issue of going over my credit report and noticing some inquiries that were not authorized and that I would like to have them removed immediately. Equifax instructed me to reach out to the creditors and I informed them that I had did so prior to reaching out to Equifax and I was instructed each company could not give me any information regarding the inquiries. 

The items I am looking to get removed are as following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed my credit card account with Capital One almost a month ago and I havent received a response from them regarding my dispute. There was a billing error in the form of a computational error that I discovered on my credit cards periodic statement, pursuant to 12 CFR 1026. 13 ( a ) ( 5 ). The billing error appeared as being very false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My debit card and the related checking account have become unreliable since I moved and changed my address in late XXXX. Transactions fail about 1/3 of the time, both online and in person. I can not use XXXX because Ally bank keeps rejecting linking my accounts. 

I have called Ally 5 or 6 times, spending over and hour on the phone with every attempt. Ive been told 3 times that the error was due to the address change and told 3 times it has been corrected. Ive been told errors with transactions have always been an issue with the merchant, even when I was able to complete a transaction with a credit card and the same mailing address. I was told today that Ally is dealing with a new system, but that information was not made publicly available. I was also told that the issue with XXXX is a known issue, and again there was no public transparency. 

It honestly seems like Ally just doesnt care about these issues, customers having access to funds, or about retention of any kind. I am already planning to switch banks, and I have informed them of this. They have made no efforts to fix the issue, or reach out to me as a customer. Even when I sent a secure message 2 days ago, they have not responded. I spent half of an hour long phone cal on hold ( for various amounts of time ) and when I was disconnected, to attempt was made to call me back.

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 2022-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent off letters to dispute accounts with Experian, XXXX and XXXX in XXXX of 2022. I still havent received a response from any of the them in almost two months later. The dispute was in regards to these consumer reporting agencies reporting information without my permission. According to 15 USC 1681b, a consumer reporting agency may only furnish information with written instructions of the consumer. And I am the consumer and I didnt provide them written instructions to do so. Furthermore, 15 USC 1681a ( 2 ) says that reports containing information solely as to transactions or experiences should be excluded from a consumers credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I purchased what was supposed to be specific models of keyboards, I was sent cheap imitations that were not only wrong, did not work. I provided Citibank proof including a letter from a technician stating that the equipment was in fact damaged, but Citibank chose to allow me to be defrauded. I still have the merchandise, I was given an address in XXXX which would cost me more than the order to return! Citibank is complicit in assisting this merchant to defraud me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
A mortgage company has a foreclosure listed on mine and my husbands credit report. 
We sold our home in XX/XX/2021 ... .so, there was no foreclosure and yet, the mortgage company that held this loan listed a foreclosure on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: GA

Complaint narrative:
For the report # XXXX Experian claims that the identity theft report that I included did not meet the guidelines for the Federal Fair Reporting Act.

Under 15 U.S.C. 1681, the blocking of information gives these instructions on what is needed to file a report. It does NOT require me to file a report with a law enforcement agency. 

See section below. 

605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 40 605B - 15 U.S.C. 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have provided all information to Experian, FTC and CFPB as it relates to this account and no additional information needs to be provided. This account by XXXX XXXX XXXX XXXX needs to be deleted from my consumer report immediately. 

Please keep in mind, you are willing noncompliance after several attempts of deleting this unauthorized account. 

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; As it stands, you have misrepresented the Fair Credit Reporting Act and have continued to ruin my reputation with this account reporting, as I have not been able to extend my credit due to this account.

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 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was trying to purchase a new puppy online from a website called XXXX. However, I never received my dog because it was fraud. The seller continuously communicated with me about the dog and even sent paperwork for me to sign insuring my purchase. I felt that the seller could be trusted so on XX/XX/22 I made the purchase of {$850.00} for the puppy through XXXX. The seller even made me name the reason of payment as " XXXX XXXX '', the name of the puppy. As soon as I was aware of the fraudulent activity I contacted my bank PNC to dispute the transaction. About a week ago, when calling to check on the investigation of my dispute I was informed that my use of XXXX had been terminated. Today I was informed that my dispute claim had been denied because the bank decided that my claim was " false ''. My XXXX should not be turned off, the seller 's should. I have hard evidence proving that my above statements are true and the bank should credit my account. The FDIC has regulations against fraud by wire and this person is in clear violation of them. The website is currently still up and another person could potentially be scammed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief