vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax ; XXXX and XXXX are failing to show the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020 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 of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX I requested from XXXX a copy of my XX/XX/XXXX homeowners ins policy which i purchased they are less than cooperative, so i had to request it from you, Chase Your corporate office called me repeatedly, this is a do not call request, although you have one on file already. " Do Not Call '' Any information should be in writing. 
Let me know who has possession of my original or copies of mortgage documents from XXXX to present. You, Chase, or XXXX. 
I am requesting from you a copy of the XX/XX/XXXX homeowners policy i purchased if you do not have copies or you relinquish your responsibility to supply documents please put that in writing. 
In addition, tell me how many property inspection fees did you charge when you were in control of the mortgage XXXX through XX/XX/XXXX Send any documentation that implies XXXX is two separate properties, include any documentation you have indicating two separate policies for XXXX and XXXX XXXX XXXX XXXX if you have none state so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My checking account was restricted due to business funds being deposited in a personal account however the fund are verified funds. After providing verification of funds capital one bank continues to restrict my account. Proof of business attached hereto.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: Nelnet, Inc.
State: CA

Complaint narrative:
DEPT OF ED/NELNET- Account numbers XXXX and XXXX are reporting inaccurate on my credit report. 

I completed the Rehabilitation Program and ALL default is to be removed from my credit file. These accounts are still reporting delinquencies. Theses errors need to be corrected right away or delete these accounts off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX ; XXXX and Transunion are failing to show the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.

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 2020-09-14 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: MI

Complaint narrative:
XXXX ; Experian and XXXX are failing to show the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.

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 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
On XX/XX/20, I was having difficulty opening a new bank account at an online bank. I suspected that the problem might be caused by the fact that my credit was frozen so I went onto the Experian website to unfreeze my credit and accidentally signed up for a credit monitoring membership in the process. 

After my mom 's credit card was charged on XX/XX/20, I contacted Experian and was told that the membership would be canceled and that the {$23.00} charge would be refunded. 

My mom just realized yesterday that she was charged {$23.00} again on XX/XX/20 and on XX/XX/20. When I contacted Experian this time, I was told that they had no record of my previous call and that the charges are not refundable. This time, I asked for a written confirmation email that the membership would be canceled. They did not send me an email ; however, they did provide me with a cancellation number. 

A process that steers people into a membership that they don't want when they attempt to unfreeze their credit is deceptive and continuing to charge me after I had already canceled the membership in XXXX is fraudulent.

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 2020-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
On XX/XX/20, payment was paid in full after conversation with suburban credit corporation regarding the payment. 
I offered to pay XXXX XXXX XXXX directly and he said, just pay the original amount to them and he will adjust accordingly. So on XX/XX/20, I paid $ XXXX to Suburban Credit. 

Now they are billing me for $ XXXX demanding I pay them a collection fee. When I called, I was rudely informed by XXXX XXXX that, Im going to put on your account that you refused to pay and Promptly hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have filed MULTIPLE complaints against Experian. I THOUGHT this was resolved when they finally removed the the derogatory account after disputing this since XX/XX/2020. They then added it back to my credit causing additional damage to my credit files.. 
XXXX XXXX NEVER VALIDATED THIS DEBT!! *** ***ACCOUNT WAS PROTECTED UNDER Service members Civil Relief Act*** EXPERIAN FAILED TO PROVIDE PROOF OF VALIDATION METHOD EXPERIAN HAS REFUSED TO CORRESPOND AND HAVE ALL INFORMATION NECESSARY TO REMOVE THIS ACCT AND VIOLATED CREDIT REPORTING LAWS WHEN THEY REMOVED THE NEGATIVE ACCOUNT THEN ADDED IT BACK EXPERIAN IS THE ONLY AGENCY THAT HAS NOT PERMANENTLY REMOVED 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 explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian alleged it was not me that filed complaint # XXXX, so they were unable to look into the matter, this is completely a lie, again this is XXXX XXXX XXXX filing this complaint against Experian, do not attempt stall tactics, I certified that it is me and I am authorizing this complaint, pending litigation is my next steps if Experian further delay my request. 


EXPERIAN IS REPORTING 2 ACCOUNTS ON MY FILE THAT IS NO LONGER OWN BY THE COMPANY, I REQUESTED A METHOD OF VERIFICATION FROM EXPERIAN AND GAVE THEM 45 DAYS TO RESPONSE, NO RESPONSE, XXXX/XXXX XXXX AND XXXX/XXXX NO LONGER OWN THE ACCOUNTS, THEY SOLD IT AND TRANSFERRED TO DIFFERENT COMPANY WHO I NOW DEAL WITH DIRECTLY., YOU LIST IT ON MY REPORT YOU MUST PROVIDE ME WITH HOW YOU VERIFIED ACCOUNTS WHEN COMPANY NO LONGER OWNS IT PER FCRA, PLEASE PROVIDE DOCUMENTATION I DEMAND DOCUMENTATION

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 2020-09-14 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: Credit Bureau of Carbon County
State: CO

Complaint narrative:
There is a remark on my credit from this creditor for the amount of {$360.00}. I do not recognize this creditor and do not owe this debt, however - this is negatively impacting me as an open debt account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: NC

Complaint narrative:
On XX/XX/2020 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 of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I sent a letter through the mail on XX/XX/XXXX and the company has not replied to my request of verifying the debt. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, the company has 30 days to validate/verify the debt, if they are unable to verify they must remove the inaccuracies from my credit report, if not I will submit a complaint to the XXXX, FTC and I will contact my state Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent Affidavits to TransUnion, XXXX, and XXXX by certified mail asking for proof of Contract with two wet signatures from both parties stating that I am Contracted to pay Child support and have it report on my credit report. I was never provided the evidence and neither credit agency removed the Account, I also have Hard Inquiries that I have Disputed that are also Unauthorized because I never gave them permission with a wet signature to run my credit report and it still remains on my credit report. 

I received a copy of my credit report and found the following item ( s ) to  be errors. 
I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this account via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Please provide me with the method of verification that you and/or your staff used to verify and validate this account- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent 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 explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Last month I made a dispute with chime because when I had woken up there was a transfer from my savings of {$1800.00} into my spendings account then sent to a unknown person. I immediately call to chime and canceled my card and make a dispute. I gave chime all the information I knew so that they could help me retrieve my savings I told chime that I have my phone number connected to my chime account. So that allows me and notifies me whenever someone is trying to login to my account or make any transfers the day of the incident I did not receive any text notifications or emails telling me that there was a login attempt I had only been notified of the transaction once my money what's gone. the day after I made the dispute it was automatically cancelled, canceling there 10 day refund system I immediately call chime back to reopen the dispute. I sent in a police report and all other information I had for them to help me where am I claim to be denied again this is my second time having to reopen the claim I have taken every possible step to help chime help me retrieve what was stolen I know that this had to be a breach in chime security system because I was not notified when the intruder hacked my account I wasn't notified via email or via text which proves a lack of security on chime behalf I have also not lost or had any of mine information stolen for someone to have access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020 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 of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 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 of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/2020 I file dispute letters to all 3 credit bureaus I have yet to receive anything from them. I understand with covid goin on things are slow but taking over three months to reply is not accpectable.

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 2020-09-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2020 I file dispute letters to all 3 credit bureaus I have yet to receive anything from them. I understand with covid goin on things are slow but taking over three months to reply is not accpectable.

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 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Afni, INC. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX File Number : XXXX RE : XXXX XXXX  Balance {$710.00} Dear XXXX, XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas, Consumer Protection and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation