vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-20 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank rejected my billing dispute against the merchant XXXX  due to services not rendered as agreed upon without inquiring about the details of the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-20 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: IN

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
My mortgage was fully paid off, but Freedom Mortgage withdrew an additional mortgage payment from me after the mortgage was paid off. I have sent a secure message and have no response at all after allowing ample time for a response. This amount I could have invested and I believe there should be a penalty or.interest paid on the amount that was incorrectly withdrew. Freedom Mortgage has acted in negligence.

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 2021-06-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
On XXXX XXXX I received an email alert of FICO decreased from Experian Credit Company. I opened up my email this is what was found : XXXX XXXX Poor Fair Good XXXX - XXXX Very Good Exceptional XXXX XXXX pts Learn more Experian data XX/XX/XXXX I reached out to Experian about why my score has dropped on XX/XX/XXXX and still no reply back. The reason for the decrease was because of low credit usage. I don't have to use my credit cards! I worked hard on my credit! This company keeps playing with my credit scores and I'm very upset! XXXX  and XXXX XXXX are great! This company needs to be investigated immediately!

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 2021-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XX/XX/2021 I received a {$22000.00} XXXX loan deposit to my Capital one bank account, Capital ONe bank refused to give it to me, and they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: TX

Complaint narrative:
I am filing this complaint because Equifax, XXXX  and XXXX  have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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:
Hello I have for almost a year now have been following the law to have these credit bureaus TransunionXXXX XXXX XXXX XXXX look into accounts that I truly know are incorrect and inaccurate as well as fraudulent. I have been on more than XXXX occasions a victim of identity theft. 

I have sent dozens of certified letters and filed probably a dozen cfpb complaints on this manner. They have for a year straight violated the rights according to the LAWS pertaining to credit. 

Fair Credit Reporting Act ( FCRA ) XXXX XXXX b ) ( XXXX ) Modify the information, delete it or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. The law is very clear that the items must be deleted I would dispute the items and they would month after month send me reply after reply stating that the items are accurate and verified. Yet There hasn't been any proof sent on behalf of the credit bureau verifying this with any documents I have signed or committed to create. 

When I would question them on letters after their " alleged '' verification, I would ask how did they verify the accounts, what source they used and who was involved the names and method by which they " verified '' the items. 

Transunion, XXXX XXXX XXXX has yet to send me that proof or response. I have spoken with XXXX XXXX XXXX and they say I do have a case. Every letter I have ever sent them has been certified and trackable. 

I too can prove how they have broken the law for a year straight now. 

The amount of debts ran up on my credit are all fraud and I have even summited a police report and FTC identity theft report and sent those files to each of the XXXX credit bureaus listed in this complaint. 

Still Negative items that haven't been proven time and time again or verified or validated still remain on my credit report. 

Each time I would call and dispute I would always get a foreigner from another country more so the XXXX and they don't help truly dispute. 

At this time I am pleading with you all to help correct this error on their part. My letters explained how they are violating the law time and time again. 

The dates are from XXXX was when I first began the process of disputing inaccuracies. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Are all the months I disputed last year that I can remember. 

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with Last month XX/XX/XXXX I have disputed items every months listed and the same items and the same process the companies are not following the law as I have requested the items to be removed for violating the law and they are all incorrect and inaccurate.

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 2021-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I live in XXXX. Due to the fact that I had a XXXX on the one hand, and the XXXX  situation on the other hand, it appears very unlikely that I shall be visiting the US in the near future. I therefore requested my bank in America ( Suntrust, now Truist ) to close my account and transfer the balance to my bank account in XXXX. The current balance ( as of today ) is US {$8.00}. 

I wrote to the bank on - XXXX XX/XX/2021 ( letter ) - XXXX XX/XX/2021 ( letter ) - XXXX XX/XX/2021 ( letter ) - XXXX XX/XX/2021 ( email ) - XXXX XX/XX/2021 ( email ) - XXXX XX/XX/2021 ( email ) - XXXX XX/XX/2021 ( letter ) I received a letter ( dated XXXX XX/XX/2021 ) from Suntrust on XXXX XX/XX/2021, stating that " We are unable to transfer funds to another financial institution ''. [ The comment of my banker in XXXX was " What nonsense, a transfer of funds is alwas to a financial institution! " ]. 

My account has still not been closed, the funds have still not been transferred and I have not heard anything more from Suntrust/Truist. 

A copy of the correspondence is attached. I have really tried my best. Any help from you would be much appreciated. 

Yours sincerely

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 2021-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This company is very rude to me I applied for a store card with them online and it give me a reference number to calll to process when I do they wont and give me a hard time I hate them they treat me like. Garbage and when I go to their store they discriminate me they dont want to give me an account and its not fair they will make any excuse to not process my application or approve me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: DE

Complaint narrative:
They're trying to collect on a very old debt and recently added it as a derogatory account to my credit report after it had previously fallen off due to statute of limitations and the fair credit reporting act. They additionally have provided nothing in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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:
I am filing this complaint because XXXX, Experian and XXXX  have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 2021-06-20 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: AL

Complaint narrative:
Yes my name is XXXX XXXX I submitted an FTC report to Equifax about the fraudulent accounts name XXXX XXXX. They investigated the accounts and it was removed XX/XX/2021 and name the account reappear back on my credit report XX/XX/2021 I am a victim of identity theft and I want to report Equifax for allowing this account to reappear after I provided them proof with a FTC report that the account Security finance is not mines and that its fraudulent something need to be done or I am gone get me a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: MN

Complaint narrative:
On XX/XX/2021 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 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one closed my account after I filed a complaint against them for changing my checking account to another checking account. They did this knowing I had XXXX Direct Deposits into my first account. And this would keep me making transfers to the new account or get overdrawn and not be able to pay my bills. Both of these XXXX direct deposits are from the Government ; XXXX XXXX ) Social Security from Texas and XXXX XXXX ) life time check from XXXX XXXX from the State Of Washington. Changing both of these XXXX direct deposits would be major to change them. I am XXXX XXXX XXXX. and I really don't need these problems. Now I was trying to keep XXXX registers for XXXX checking accounts. I have a lot of bills and payments, the majority of them being paid with the Capital One Account. 
Now they have closed my accounts all of them. They are saying because of some deposits being made from a friend of a friend and he sent them from his unemployment. 
I have No Idea where he was sending them from! I don't think that is my responsibility. 
If Capital One didn't want to accept them XXXX should have refused them in the beginning. I didn't benefit from any of them! The first ones f were for a XXXX XXXX XXXX that had been run over by a car and she was going to loose her leg unless they did XXXX on her. This friend of a friend said her would send {$900.00} for the XXXX. Which he did and I forwarded it to the parent. 
The second amounts were a favor to a friend so he could buy something from another person. I didn't benefit from any of this. 
I don't have any idea what or how a person gets their Unemployment. I didn't know it was from unemployment, which wouldn't have mattered to me anyway. If he wants to use his unemployment that way, that is his business. 
But now Capital One has closed all of my accounts and kept my money that is in there. I can't pay my bills, and I am going to owe late fees on everything. 
I think they have done all of this because I reported them to the Cfpb. 
I have been a customer of Capital One for a long Time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: AZ

Complaint narrative:
FRAUDULENT ACCOUNTS ON CREDIT REPORT I HAVE CONTACTED CREDITOR AND CREDIT BUREAU 'S AND HAVE NO RESULTS THESE ACCOUNTS DO NOT BELONG TO ME OR AND I DO NOT OWE ANY OF THEM MONEY CONSUMER ADJUSTMENT CO Original creditor : XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/2021 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 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 explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Braviant Holdings, LLC
State: WI

Complaint narrative:
Began with me getting a {$600.00} loan, fell on hard times miss my first and second payments loan blow up, to {$1600.00} in 2 months okay whatever no problem so I call to settle loan, we both agreed that if I pay {$1300.00} the loan will be settled so I pay the {$1300.00} they send me email stating that they received my final payment of {$1300.00} and when it clears their system my case would be close and over.The next day XXXX get a email say they want more money after we made a settlement agreement. The remaining {$390.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-20 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:
FRAUDULENT ACCOUNTS ON CREDIT REPORT I HAVE CONTACTED CREDITOR AND CREDIT BUREAU 'S AND HAVE NO RESULTS THESE ACCOUNTS DO NOT BELONG TO ME AND I DO NOT OWE ANY OF THEM MONEY CONSUMER ADJUSTMENT CO XXXX creditor : XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/2021 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 2021

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 2021-06-20 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: AZ

Complaint narrative:
FRAUDULENT ACCOUNTS ON CREDIT REPORT I HAVE CONTACTED CREDITOR AND CREDIT BUREAU 'S AND HAVE NO RESULTS THESE ACCOUNTS DO NOT BELONG TO ME AND I DO NOT OWE ANY OF THEM MONEY CONSUMER ADJUSTMENT CO XXXX creditor : XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/2021 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 2021

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 2021-06-20 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: VA

Complaint narrative:
I filed a dispute regards to the incorrect items on my credit report its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
One day, I just wanted to get a new line of credit but I realized I was turned down. My credit score was close to the 800s but for some reason I kept receiving to many inquires on my denials letter. I later looked at my XXXX and was appalled when I witnessed 50 hard inquiries I didn't approve of at all. I sent a letter to XXXX disputing the information about a month ago, no progress has been changed so I'm using CFPB to report and get these things off my 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 2021-06-20 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
One day, I just wanted to get a new line of credit but I realized I was turned down. My credit score was close to the XXXX but for some reason I kept receiving to many inquires on my denials letter. I later looked at my XXXX  and was appalled when I witnessed 50 hard inquiries I didn't approve of at all. I sent a letter to XXXX disputing the information about a month ago, no progress has been changed so I'm using CFPB to report and get these things off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit score dropped 114 points for no reason an Equifax can't tell me the reason, I have not use my social security over a year now and 144 point just vanished. there also reporting false information

Company response to consumer: Closed with explanation