vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I always pay even extra and even more money so Im not sure issues but definitely doesnt look right

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: FL

Complaint narrative:
I have sent letter after letter and filed so many disputes concerning these accounts so my lawyer told me to file these papers before i take the three bureaus to court.. The three bureaus have played these games. They have my ID and social so please dont try to play this game that you cant confirm my identity or its not filed by me. Please remove these accounts asap ... Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: TX

Complaint narrative:
I have disputed several items regarding XXXX XXXX XXXX XXXX that do not belong to me, however they are reporting to my XX/XX/XXXX report. I disputed the item with both XXXX and XX/XX/XXXX I have stated that these items belong either to identity theft or placing accounts that belong to my father on mine. XX/XX/XXXX unlawfully combined my credit report into 2 different reports and I believe this information from XXXX XXXX XXXX XXXX is part of this. I am attaching a letter sent to XX/XX/XXXXand Transunion requesting an investigation into my dispute under Section 609, 611 FCRA and as of the submission of this complaint, XX/XX/XXXX has not responded to my request, they only verified the information as accurate when the information is not accurate as they do not belong to me. XX/XX/XXXX and XXXX have violated The Fair Credit Reporting Act by not conducting a proper investigation into my dispute, by not providing to me, specific documents I have requested regarding my dispute with XXXX XXXX XXXX XXXX. More than 30 days have elapsed, an investigation in accordance with Section 609, 611 FCRA has not been conducted and I have not been provided any documentation in connection with my dispute regarding XXXX XXXX XXXX XXXX. Please find the attached dispute letter under Section 609, 611 FCRA as I request any derogatory report from XXXX XXXX XXXX XXXX be removed from my 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 explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed several items regarding XXXX XXXX XXXX XXXX that do not belong to me, however they are reporting to my Equifax report. I disputed the item with both XXXX and Equifax. I have stated that these items belong either to identity theft or placing accounts that belong to my father on mine. Equifax unlawfully combined my credit report into XXXX different reports and I believe this information from XXXX XXXX XXXX XXXX is part of this. I am attaching a letter sent to Equifax and XX/XX/XXXX requesting an investigation into my dispute under Section 609, 611 FCRA and as of the submission of this complaint, Equifax has not responded to my request, they only verified the information as accurate when the information is not accurate as they do not belong to me. Equifax and XXXX have violated The Fair Credit Reporting Act by not conducting a proper investigation into my dispute, by not providing to me, specific documents I have requested regarding my dispute with XXXX XXXX XXXX XXXX. More than 30 days have elapsed, an investigation in accordance with Section 609, 611 FCRA has not been conducted and I have not been provided any documentation in connection with my dispute regarding XXXX XXXX XXXX XXXX. Please find the attached dispute letter under Section 609, 611 FCRA as I request any derogatory report from XXXX XXXX XXXX XXXX be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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:
I have been disputing with Equifax for over six months and I have received any information regarding this incorrect information. I have proven that these accounts are inaccurate and Equifax continues to report on my Credit. This is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
i pulled my equifax credit report come to found out i see alot of inquiries that i did not approved for someone to run my credit i have sent a POLICE report to equifax about this matter and i did not recive the outcome that i was looking for its my right to dispute FRUAD accounts on my credit repot here are all the inquiries ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Factor trust.. These are all FRAUD inquires that i did not approve EQUIFAX is playing games with life by keeping thses accounts on my credit i will like them to be remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My identity has been stolen many times, & horrific amounts of my info has been stolen MULTIPLE times by hackers & the data breeches, including XXXX Experian breech & even out of the secret level of the federal office of personnel. I am very careful with the credit bureaus. On XX/XX/XXXX, I lifted the EXPERIAN freeze for 24 hrs, to start Mon XX/XX/XXXX @ XXXX & end XXXX. Today, XX/XX/XXXX, I reviewed my EXPERIAN XXXX EXPERIAN CREDITWORKS files & the recording said the freeze is due to be reinstated on XX/XX/XXXX. Experian has failed to secure my file for 5 days. I have spent 3+ hours trying to address this on line. The FREEZE options are ADD, REMOVE or LIFT, there isn't an option to reinstate the freeze, always looped to a solution that costs money. All phone numbers don't offer replacing the file freeze & all offices are closed. I can't add a freeze because there already is an account with that info.Round & round, & round is their path to their money solutions. If EXPERIAN has a way to reinstate the freeze, I can't find it. Really, shame on them. Thank you

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 2021-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor :XX/XX/XXXXAccount : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor :XX/XX/XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XX/XX/XXXX Account : XXXX Creditor :XX/XX/XXXXAccount : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XX/XX/XXXX Account : XXXX Creditor :XX/XX/XXXX XX/XX/XXXXAccount : XXXX Creditor : DEPT OF TREASU Account : XXXX Creditor XX/XX/XXXX Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.

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 2021-01-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor :XX/XX/XXXXAccount : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor : XXXX XXXX Account : XXXX Creditor :XX/XX/XXXX Account : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor :XX/XX/XXXXAccount : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor : XX/XX/XXXX XXXX XX/XX/XXXXAccount : XXXX Creditor : DEPT OF TREASU Account : XXXX Creditor : XXXX XX/XX/XXXX Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM Financial Jointly owned car loan has been current since XX/XX/XXXX and all 3 credit bureaus have not updated their status since XX/XX/XXXX. I have made 3 consecutive payments and have disputed the account and nothing has changed and it is now going to XXXX with the same delinquency, I am a spouse of a U.SXXXX XXXX Veteran XXXX XXXX XXXX XXXX XXXX  XXXX has been paid and closed and they reported me late from XX/XX/XXXX to XXXX XXXX i keep disputing it but no resolution. i keep me from purchasing a home. my mortgage current is greatly affected. I had medical necessary XXXX and sent documents of financial issues but no response and I was taking care of my veteran husband

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX contacted you in XX/XX/2020 to withdraw information from your reporting agency. You did not reframe from reporting incorrect information. Please make corrections immediately. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
i pull my transunion credit report and found inquires that i did not approve and i would like to know why they are there and get them remove asap here are the inquiries that i did not approve XX/XX/XXXX XXXX XXXX  ... XX/XX/XXXX XXXX XXXX  ... XXXX XX/XX/XXXX XXXX.. XX/XX/XXXX XXXX XXXX ... XX/XX/XXXX XXXX  XXXX  ... XX/XX/XXXX XXXX  ... XX/XX/XXXX XXXX  XXXX ... These are all the accounts that i did not approve anyone t run my credit report its Fraud plz remove off my 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 explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have a " Discount Tire '' Credit Card thru Synchrony Bank. I purchased a XXXX XXXX XXXX XXXX. When I lost my job, I contacted them to activate my Plan. Their initial response was a non-response. Then without notification to me, they closed my account and cancelled my XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-24 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XXXX XXXX Jointly owned car loan has been current since XX/XX/XXXX and all 3 credit bureaus have not updated their status since XX/XX/XXXX. I have made 3 consecutive payments and have disputed the account and nothing has changed and it is now going to XXXX with the same delinquency, I am a spouse of a U.S. XXXX Veteran Nationstar Mortgage/ Mr Cooper Mortgage Company has been paid and closed and they reported me late from XX/XX/XXXX to XXXX XXXX i keep disputing it but no resolution. i keep me from purchasing a home. my mortgage current is greatly affected. I had medical necessary XXXX and sent documents of financial issues but no response and I was taking care of my veteran husband

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: FL

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the item ( s ) be removed

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 2021-01-24 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: FL

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the item ( s ) be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
( 1 ) Navient page 5 under Governing law and Notice last paragraph state No provision of this Note may be modified or waived expect in writing by the lender of the Note what does that mean?

( 2 ) Why does the Lender of the Note state my IDs?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
There were two unauthorized transactions from my Chase bank business account. 
Business name : XXXX XXXX XXXX Account number : XXXX Routing number : XXXX First attempted by XXXX XXXX on XX/XX/2020, which the transaction, {$5000.00} was completed and second attempt by XXXX XXXX XXXX on XX/XX/2020, but the transaction {$5000.00} was rejected. Chase has not refunded the loss {$5000.00}. 

1. XXXX XXXX XXXX address : XXXX Chase bank transaction numberXXXX 2. XXXX XXXX XXXX Mobile number : XXXX Chase bank transaction numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
In XXXX, I gave XXXX XXXX, loan officer for M & T bank consent to pull my credit report for a mortgage pre-qualification. 

On XX/XX/XXXX XXXX XXXX, loan officer for M & T bank out of their XXXX office pulled my credit report without my consent. She has confirmed this through email. I was hoping to restart the home buying process by starting with a timeline around mortgage applications. I specifically wanted to know how long my mortgage pre qualification would stand and time my research around mortgage offers correctly so as to do minimal damage to my credit score.

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 2021-01-24 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:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
Purchased 2 sets of LED lights through an advertiser on XXXX XXXX XXXX XXXX XXXX XXXX. Product was paid through XXXX. The advertised product used images and name of " XXXX '' which is the intellectual property of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have some of XXXX products and since their name and images were being used on the sales page, thought this was their product. Upon receipt of the product, it is not theirs. Attached are pictures of communication with XXXX XXXX, their refusal to provide refund etc. Their XXXX  page shows a XXXX address, the product was shipped from Illinois and they want return to XXXX. The product is not as advertised. 

Seller is misrepresenting product as " XXXX '' a registered intellectual property of XXXX XXXX in their advertising and marketing ( see original dispute form and submitted files ). The product shipped from a fulfillment center at XXXX XXXX XXXX, XXXX, IL USA USA and they now want returned to XXXX at purchaser 's expense. Definitely a way to discourage/eliminate return and refund of product. The use of the " XXXX '' trademarked intellectual property in the product listing leads consumer to believe they are purchasing the product of said intellectual property holder. 

After filing dispute with XXXX, they heard from seller with option to return to XXXX for consideration and refund. XXXX is not considering the fraudulent use of someone else 's intellectual property or standing up for me as a consumer with a fraudulent product. 

The product was shipped from an address in the US, I believe you should be able to return to the US address. The cost to return 11 oz to XXXX is {$36.00} USD This is to discourage from returning product and stalling or eliminating refund.

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