vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Please update all of my personal information on Equifax, XXXX, and XXXX. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX and my only employer is XXXX XXXX XXXX XXXX ( XXXX ). 
There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been waiting for over 90 days. I am filing this complaint because UNITED CONSUMER FIN SVC for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i

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 2022-01-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been waiting for over 90 days. I am filing this complaint because UNITED CONSUMER FIN SVC for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i

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 2022-01-17 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: MS

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten 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 2022-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please update all of my personal information on XXXX, Transunion, and XXXX. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX and my only employer is XXXX XXXX XXXX XXXX ( XXXX ). 
There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.

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 2022-01-17 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: SC

Complaint narrative:
Please update all of my personal information on XXXX, XXXX, and Experian. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX and my only employer is XXXX XXXX XXXX XXXX ( XXXX ). 
There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.

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 2022-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, a 4500 Euros transference was performed to my CHASE-BANK account No. XXXX from my daughter 's account ( Savings account No. XXXX XXXXXXXX, XXXX XXXX in XXXX ). Transference code XXXX XXXX  XXXX. ( attached documents # 1 & 1a ). 

XX/XX/XXXX, CHASE-BANK informed us that our account had been locked using their " Security Message '' system. 
XX/XX/XXXX, XXXX XXXX certified the transfer ( attached document # 2 ). On the same date, during a phone conversation with the electronic money department, a representative identified as " XXXX '' informed us the bank doesn't have registered the transfer. 
XX/XX/XXXX. XXXX XXXX, the XXXX branch manager, verbally confirmed that the bank had not received the transference after consulting several bank functionaries. 
XX/XX/XXXX. XXXX XXXX XXXX in XXXX sent us a written answer to our complaint. They informed us the money was indeed transferred to CHASE-BANK , which held the funds. They asked for retrocession that has not been performed yet. On the other hand, the communication reported the correspondent bank did not receive the transference. XXXX letter attached the email with the transference 's XXXX message ( attached document # 3 ). 
On XX/XX/XXXX, the mentioned documents were presented in a new interview with XXXX XXXX, the XXXX branch manager. She checked again, did not find the transference, and suggested we look for the FED IMAD at XXXX to track the transfer. 
XX/XX/XXXX. In response to our request, XXXX bank answered FED IMAD numbers are not used in XXXX. 
XX/XX/XXXX. We requested at CHASE-BANK a written document to show to XXXX. Similar to other occasions, the bank functionaries deny giving us written information. 
XX/XX/XXXX. A XXXX functionary gave us the following code as the " possible FED IMAD number '' : XXXX XX/XX/XXXX. In CHASE-BANK did not recognize the number provided by XXXX. Again refused to give a written communication. 
In summary, 60 days after the transference, CHASE-BANK does not identify the operation in its system. Systematically has made the tracking process difficult. The functionaries frequently identified by their given name and always refused to provide written information, arguing bank 's politics. In contrast, XXXX provided the asked documentation, which has not been enough to clarify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been waiting for over 90 days. I am filing this complaint because XXXX for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i

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 2022-01-17 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: NC

Complaint narrative:
I have been waiting for over 90 days. I am filing this complaint because XXXX for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been waiting for over 90 days. I am filing this complaint because XXXX  for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i

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 2022-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I have been waiting for over 90 days. I am filing this complaint because SEQUIUM ASSET SOLUTION for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft, This fraudulent account doesn't belong to me. I dont recognize it, nor did I authorize them., Can you please delete and block the following fraudulentinformation from my credit report. 
*see Attached*

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: World Omni Financial Corp.
State: OH

Complaint narrative:
These companies broke the laws and I was extorted by these companies. please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: TX

Complaint narrative:
ON XX/XX/2021 I SUBMITTED A LETTER TO EQUIFAX TO VALIDATE SEVERAL INACCURACIES ON MY CREDIT PROFILE THAT WERE SERIOUSLY DAMAGING MY ABILITY TO OBTAIN CREDIT. NOT ONLY DID THEY NOT RESPOND BUT THESE ERRONEOUS ACCOUNTS HAVE REALLY MADE IT HARD TO OBTAIN HOME MORTGAGES, AUTO LOANS, AND LINES OF CREDIT. THERE HAS BEEN NO VALIDATION OR CORRECTION OF THESE ERRORS AT ALL. I UNDERSTAND AS A CONSUMER THAT CREDIT COLLECTION COMPANIES ARE GIVEN THE PRIVELAGE TO REPORT ACCOUNTS AND THAT THEY MUST BE ACCURATE. I HAVE BEEN DISPUTING THESE INACCURACI FOR 7 MONTHS ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
On a new car lease dated XX/XX/2021 with Hyundai XXXX, I made monthly payments and received written confirmation as follows, dated : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/XXXX. 2021 All payments were electronic transfers from my bank account ending in XXXX. 

Beginning with the XX/XX/XXXX payment, all payments were completed with Auto-pay a Hyundai XXXX XXXX XXXX which I set up and received email confirmation dated XX/XX/XXXX. 

On XX/XX/2021 I received phone call from an individual who stated they represented Hyundai XXXX XXXX Department who stated my account had been referred to for collection to a contractor XXXX XXXX who requested a large payment amount. 
I knew my account was current and had been paid before the monthly due date since the lease began. For that reason I suspected the caller was a scammer, as the phone number did not show up as HyundaXXXX XXXX. 

I asked to speak to a manager, and was connected with XXXX XXXX who stated XXXX was not in effect and the service was not available to me. She stated several late fees had been applied to my account. She also stated my bank had rejected payment on several of the auto-pays. I stated this was impossible because I have copies of all confirmations or receipt. I REQUESTED ALL LATE FEES BE REVERSED, and a written statement of their error. 

Before the XX/XX/XXXX call, I had never been contacted by Hyundai XXXX ; not by email, nor my phone nor by a statement to my home address. I wrote a letter to Hyundai XXXX dated XX/XX/XXXX, disputing the handling of my account, and never received an response. In the letter I requested confirmation stating they made a mistake and that all late fees and credit reporting be immediately reversed. 

After I ended the call, I checked my financial statement that are used for Auto-Pay but I did not see transactions on the dates shown on the confirmations I received from Hyundai XXXX XXXX 

I consider this to be suspicious and predatory! I contacted the financial institution used for Auto-Pay, XXXX XXXX XXXX and met with the bank officer, who stated that not one electronic payments had been rejected. I gave the bank officer copies of all confirmation notices from Hyundai XXXX, and he immediately called Hyundai XXXX. He advised the rep that XXXX XXXX had not received nor rejected such amounts. 

This dispute remains unresolved. I have since paid off the lease since I consider their tactics to be dishonest and predatory.

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 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Complaint # XXXX was previously filed and believed to be resolved but was not. XXXX XXXX, XXXX only changed collection companies to Amsher Collection Services , Inc. for the same billing error trying to bill twice for cable internet service. There is no rational or logical reason to want or need two internet cable services about the same location, for the same business, for the same download, that existed before, and still exists the same. Especially after the previous service was cancelled and XXXX continued to bill despite cancellation. This attempt at a false collection is bullying me especially after the previous collection company withdrew!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: GA

Complaint narrative:
I have attempted on four occasions to dispute a bankruptcy that is being reported on my credit report. I attempted on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time the credit bureaus will report that the information on my credit report regarding bankruptcy is accurate and correct. Each time the credit bureaus will not give me evidence that the information is accurate and correct. I am asking that the bankruptcy be deleted because the information is inaccurate and correct. When I contacted the court, I was informed that they did not send any information to any credit bureaus therefore I would like to know where the information come from that is being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have been making payments into my account for years, and have never had a problem with payments posting to the account until now. I made three payments into this account last month and then again at the billing cycle and these payments come out of my checking account, but they do not count toward my minimum payment due. Despite paying over {$3.00} this month alone, they demand another payment of {$230.00}. They refguse to acknowledge the payments that I made already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I had XXXX accounts with Chase bank since 2015. I have had XXXX twice over the last year and am in college. I had a payment due on the Freedom card on XX/XX/XXXX, which I did not make, I was sick and was sleeping most days for over XXXX weeks, it simply slipped my mind. I called chase and demanded they reopen the account and I would make payment. They told me there was no way to do that. I also told them that I would pay the payment due, but I wanted the account open. I spoke with a low-level agent who could not do anything. I spoke with them in regards to COVID and their lack of assistance. In the conversation to the rep said they had to option to close all my accounts. At this time they had only closed the Freedom card. The agent was very rude and I think they closed my accounts in retaliation. I woke up this morning and was told that ALL of my accounts were closed. However, I had made payments before the date the XXXX open accounts were due, so they would not close them. It is clear they closed the accounts in retaliation for my call. I am planning on contacting a lawyer regarding this, however, Chase may have a mediation clause in their contract restricting me to small claims or mediation. I believe the CFPB needs to step in here before I take other steps This was totally retaliatory for the conversation I had with the rep. I have been a customer of theirs since 2015 and had a great payment history. To close them for no reason is a discriminatory and unfair practice. I have now suffered damage to my credit and seek damages. 

I want the cards reopened or written off. I am willing to pay the accounts, I object to Chase 's predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: FISERV FINXACT CORE
State: OH

Complaint narrative:
On or around XX/XX/XXXX, Fiserv in XXXX Oh pulled my credit report without authorization. Multiple attempts were made to try and contact the company in XXXX, Oh. Even during business hours, the phone # goes to voicemail and there is no way to leave a message. The number provided on the credit report itself, goes to XXXX and they could not provide any help nor did they speak fluent English. 

Fiserv XXXX XXXX XXXX XXXX 
XXXX, Oh XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : UTILITY SELF-REPORTED XXXX - {$81.00}. Inquiries : EXPERIAN XXXX XXXX XXXXXX/XX/XXXX, EXPERIAN XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/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