vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-14 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: DE

Complaint narrative:
Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company XXXX XXXX, XXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I demand this account be removed from a collection status and reported as paid in full or pay {$560000.00} for every minute this account has been illegal reported on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Made a {$450.00} payment to Capital One with my debit card. The funds were taken out immediately but never applied as credit. I called in to ask what was going on but the only answer I get is the system put a 26 day hold on my account and there is NO one available who can tell me why. Ive made frequent payments on from the same debit card with no issue. I believe I am being punished for taking advantage of their cash back rewards. 
I made a large payment so that. I could continue to pay bills with this account, because of the hold, I now have to figure out how to come up with XXXX to pay bills before they get shut off and face more fees, the only option that was given to me by the company was to call my bank and stop payment on a charge that I legitimately made and I would rather not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for Financial Recoveries Services. Reported : XX/XX/XXXX Account # XXXX. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below. Please take this matter very serious Financial Recoveries Services. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14 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: VA

Complaint narrative:
The company is XXXX XXXX I have never dealt with this company before. They are sending letters saying that I had two XXXX XXXX credit cards that I never opened up before. Under provisions of public laws 95-109 and 99-361 also known as the Fair Debt Collection Practices Act, I'm requesting that they immediately cease and desist all attempts to collect the debt. Failure to comply with this law will result in me filing a complaint with the Federal Trade Commission and the Attorney General. Equifax is also reporting this information with no proof of validation of this debt. I have contacted XXXX XXXX and they were unable to validate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe i may be a victim of Identity Theft, as I didn't approve any information to be used in my name. I am requesting that these fraudulent items be deleted from credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not review any notification or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting in accuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft my identity to the Federal Trade Commission Identity Theft affidavit in regards to this incident. I additional, I have attached a PTF document reflecting all items that were found to be unauthorized by any such

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: AZ

Complaint narrative:
Hello I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe i may be a victim of Identity Theft, as I didn't approve any information to be used in my name. I am requesting that these fraudulent items be deleted from credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not review any notification or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting in accuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft my identity to the Federal Trade Commission Identity Theft affidavit in regards to this incident. I additional, I have attached a PTF document reflecting all items that were found to be unauthorized by any such

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: TN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day ( XX/XX/20201 ), I have not received a response yet and it has been well over 60 days. I feel like my disputes are getting ignored and I'm being taken advantage of. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been 60 plus days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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 been contacting XXXX and Experian for years about updating my payment history on the XXXX  accounts. I have sent proof numerous times from XXXX  showing I have never been late on any of the loans. Since they can not /will not update all payment history to positive as it should be, I want them to remove all XXXX  from my credit report. I am attaching my current up to date loan verification letter showing NO zero late payments.

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 2021-11-14 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: VA

Complaint narrative:
The company is XXXX XXXX I have never dealt with this company before. They are sending letters saying that I had XXXX XXXX  XXXX credit cards that I never opened up before. Under provisions of public laws 95-109 and 99-361 also known as the Fair Debt Collection Practices Act, I'm requesting that they immediately cease and desist all attempts to collect the debt. Failure to comply with this law will result in me filing a complaint with the Federal Trade Commission and the Attorney General. XXXX is also reporting this information with no proof of validation of this debt. I have contacted XXXX  XXXX and they were unable to validate this.

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 2021-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
My wallet and bag were stolen the end of XXXX. I called and canceled and reordered my cards and bought a new phone and decided to also get a new phone number. I called Chime, who I do banking with, to update my number so I could gain access to my account via the Chime App. They said the new number was associated with another Chime account so they needed proof it was my number now and requested I send an email with my phone bill, ID, and a selfie holding a piece of paper with the date on it. I did as they requested, multiple times because I am XXXX and had a hard time submitting the info correctly. I received my new debit card in the mail and called to activate it because my phone number still hadn't been updated. The customer service rep informed me that my funds ( I get a deposit on the XXXX of every month ) had been transfered to my Chime XXXX XXXX card, which I had never even used. I then ordered a new Chime XXXX XXXX Credit Card and was told it would arrive in a few days. I was still waiting for my approval from my identity verification to update my phone number and gain access to my account when I received an email on XX/XX/XXXX stating they were canceling the delivery of my card, followed by an email notifying me that Chime had decided to terminate its relationship with me, that my account had been closed, and that any funds in my account were non refundable. I called to inquire as to why this was happening and my calls wouldn't even go through, I had to go use a friends phone to even get someone on the line. Each call would either get dropped, I would get hung up on, or out of no where the static would become so bad i couldn't make out what they were saying. I called 8 times, each time every rep went in circles for the short time I had them on the phone. My deposit is being held and my account closed for absolutely no reason whatsoever, and with no explanation at all. It's the holidays, I have bills, and am about to be kicked out of where I live because I can not pay my rent because Chime is keeping my money. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: OH

Complaint narrative:
I sent an email directly to the CEO of XXXX. Received a letter in the mail stating that he will not remove the late payment history/incorrect payments reporting to the credit bureaus. I have disputed the account with the credit bureaus several times regarding this inaccuracy and the results stated that the data furnisher verified that the information is reporting correctly. This issue has carried on for almost a year. XXXX along with the credit bureaus state that they will not correct the information reporting on the account. The account is closed, paid, and still has a {$0.00} credit. I have attached a copy of my credit reports from XXXX and Equifax showing how the pay history is STILL showing an active pay history from one credit bureau while the other bureau is showing a charge off pay history of XXXX each month. This continues to affect my credit over the past year and should be removed by the data furnisher for continuously reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: VA

Complaint narrative:
I have a netspend prepaid account i have had it for a few years now.. the problem started when i went to pay for a item on XXXX its called XXXX XXXX.. i had to order a new card for {$25.00} so i could get the card overnighted or i would have to wait 10 or more days for a new card for free i had no choice but to pay for a new card and get it right away all my money is on there.. they put a block on it so i didnt have access to my account at all because they put a block on my card even though i answered to the charge and told them it was me..so i paid and got a new card activated it and was using it as one does.. then my wife and i went out of town to buy a Motorcycle for {$4500.00} so my i could resell it for {$6500.00} i had the deal already set up drove a few hours away got there tried to get my money off and it would work so i looked at my text i got same one there may be a problem so i called the lady said a purchase on XXXX pay happened wanted to make sure it was me i said yes it was she said to me the block was removed i could use my card in XXXX i even got a text saying the same thing that the block had been removed i could use card immediately!! So we waited and nothing i couldnt get the motorcycle i drove all that way for which was embarrassing i couldnt get home i couldnt feed my XXXX small children or get gas all my money was on my card i was stranded with my kids out of town i had to call my mother who had to XXXX XXXX me money for a big fee.. i had to walk with them to pick it up so im out almost {$5000.00} dollars cause Netspend keeps putting blocks on my card even though i talk to them and tell them its me.. i called a supervisor at netspend last night who left me on phone on hold for 36min and didnt even put in for a new card so i could have my money..he just left me on hold until they closed!! i had to call again today and now have to wait 3 days for a new card they kept trying to charge me to send me a new card im tired of not having access to my money i want to SUE them they can not do this i was stranded withmy wife and XXXX kids out of town i lost a good deal i had to borrow money and still have to wait to have access to my money they need to PAY they are scamming people they put blocks on peoples accounts so you have to pay to get your money how awful

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 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Have been seeing my social security used in XXXX couple of websites and also loans that I havent even applied for thank you have XXXX great day!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: DISCOVER BANK
State: OH

Complaint narrative:
I sent an email directly to the CEO of Discover. Received a letter in the mail stating that he will not remove the late payment history/incorrect payments reporting to the credit bureaus. I have disputed the account with the credit bureaus several times regarding this inaccuracy and the results stated that the data furnisher verified that the information is reporting correctly. This issue has carried on for almost a year. Discover along with the credit bureaus state that they will not correct the information reporting on the account. The account is closed, paid, and still has a {$0.00} credit. I have attached a copy of my credit reports from XXXX and XXXX showing how the pay history is STILL showing an active pay history from one credit bureau while the other bureau is showing a charge off pay history of XXXX each month. This continues to affect my credit over the past year and should be removed by the data furnisher for continuously reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
My wife and I have an Inpounded Account with LakeView Loan Services, LLC. Our home insurance, XXXX XXXX XXXX, informed us that our lender did not pay the yearly renewal that was due XX/XX/21.

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 2021-11-14 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: LEXISNEXIS
State: FL

Complaint narrative:
I have submitted numerous disputes with XXXX, XXXX and XXXX regarding an alleged bankruptcy chapter XXXX Case Number XXXX. This has been an on going issue since XX/XX/2021 and its now XX/XX/2021 and still no resolution. Lexis Nexis is the company who initially reported this inaccurate bankruptcy to the credit bureaus. Lexis Nexis has advised me that they have deleted this inaccurate bankruptcy from my consumer file however every time I file a dispute with XXXX, XXXX and XXXX they say this alleged bankruptcy has been verified as accurate with there 3rd party data furnisher Lexis Nexis. I have contacted Lexis Nexis several times to resolve this matter and have asked them to contact the credit bureaus by phone and mail and they refuse to. They keep telling me the alleged bankruptcy is deleted from my consumer report however the credit bureaus keep telling me that Lexis Nexis is verifying this alleged bankruptcy as accurate with them. I am stuck between the credit bureaus and Lexis Nexis and I am tried of going back and fourth with them. CFPB I need your help to get this matter resolved as soon as possible. This inaccurate item has ruined my reputation. If you look back on my previous complaints this has been an ongoing issue. Please delete this bankruptcy from my Lexis Nexis, XXXX, XXXX and XXXX credit file immediately as this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I paid my payment to Apple in XXXX at the end of the month. 
I received an email from Apple which I will send to you with this dispute saying that due to a system error my payment was mistakenly not applied for my XXXX payment and that they were updating my XXXX status to current. 
Well, they still reported me as late even though I have an email saying it was their fault and they would change it. It made my credit score go down a ton and I am in the process of buying a house. I called and they are not helpful and act like they have no idea how to fix it. literally have an email from they admitting it was their fault so I want justice. 
I lost a parent to XXXX and had XXXX  myself in XXXX and I had to borrow money to pay them. I DID and THEY made a mistake and need to fix it. 
This doesn't just impact me but my kids and husband who may lose our new home due to APPLES mistake.

Company response to consumer: Closed with explanation