vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 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: FL

Complaint narrative:
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

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 2021-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im aware that Capital One Bank N.A, you, have assumed that you have resolved my concerns, and I must disagree. It is to my knowledge that you have never attempted validation of any alleged debt before any collection has began, which Is a violation of my federally protected consumer rights. I also have proof which I will enclose of you calling me without permissible purpose, yet Ive never gave you permission to contact me, therefore violating the Fair Debt Collection Practices. You also violated my rights by never providing appropriate disclosures according to the Truth in Lending Act. It is to my knowledge you have never provided equal consideration. Furthermore, It is my request that you provide me a trail of the investigation that you used to link the account ending in XXXX by public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
DECLARED BANKRUPTCY IN XX/XX/2021 AND THE CREDIT REPORT AGENCY ARE SHOWING DELINQUENT AND STILL OWES WHEN TRYING TO GET CREDIT BUILDER CARDS AND REPORTING STUFF INCLUDED IN THE BANKRUPTCY THEY ARE TARGETING ONLY PEOPLE THAT HAVE DONE IT PRO BONO. ATTORNEY HAS HAVE SIMILAR CASES AND TOLD ME TO REPORT. IN XXXX FEDERAL COURTS DISCARDED. THEY HAVE RECEIVED COPIES AND REFUSE TO ADHERE TO FEDERAL GUIDELINES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: FL

Complaint narrative:
DECLARED BANKRUPTCY IN XX/XX/2021 AND THE CREDIT REPORT AGENCY ARE SHOWING DELINQUENT AND STILL OWES WHEN TRYING TO GET CREDIT BUILDER CARDS AND REPORTING STUFF INCLUDED IN THE BANKRUPTCY THEY ARE TARGETING ONLY PEOPLE THAT HAVE DONE IT PRO BONO. ATTORNEY HAS HAVE SIMILAR CASES AND TOLD ME TO REPORT. IN XXXX FEDERAL COURTS DISCARDED. THEY HAVE RECEIVED COPIES AND REFUSE TO ADHERE TO FEDERAL GUIDELINES

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 2021-12-30 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
APPLIED TO INDIGO ( XXXX ) AND XXXX ( XXXX ) AND XXXX XXXXXXXX CREDIT CARD AND SAID THEY ALL COULD NOT APPROVED UNABLE TO VERIFY MY IDENTITY. I TRIED TO SUPPLY INFORMATION TO ACCOMMODATE AND THEY SAID IT WAS TOO LATE AND RAISES ALARM WAS THAT THE REAL REASON AND ALLOWING ME TO FIX PROPERLY WITH THEM. OR ARE THEY JUST BEING DISCRIMINATING OR LIEING. THEY WOULD NOT GIVE NO MORE INFORMATION OR ALLOW ME TO CORRECT. FLORIDA FEDERAL BANKRUPTCY DISCARGE XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
I received a debt collection notice in the mail from Southwest Credit for a XXXX account with a balance of XXXX After contacting XXXX I discovered that a fraudulent account was opened in my name using my social security number. 
The account was opened XX/XX/2021 and closed XX/XX/2021. 
I have since filed a fraud report with XXXX, frozen my credit and reported a fraud alert with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Overview : Chase is my loan servicer, but not my escrow company. Chase chose to pay my property tax bill without contacting my escrow company, who had already paid the bill. Now Chase has overpaid my property tax bill. I contacted Chase as soon as I received the notification of a {$500.00} increase in payment and notified them of their mistake in XXXX. I was assured this would be resolved before XXXX when the increase of {$500.00} per month would be applied to our payment. In mid XXXX nothing had been done and I reached out again. After some digging I found out Chase hadn't done anything to resolve the issue. After my call they finally contacted the county for a refund, but it will not go out now until XX/XX/XXXX. Chase has informed me I may now be expected to pay that increased payment for 3 or more months. 

They offered an odd solution of partial payment that concerns me and as of today my case officer, XXXX, ext XXXX, is no longer answering to even assist with this solution. 

Timeline : XX/XX/XXXX - Chase bank took over servicing our loan. 
XX/XX/XXXX - property tax bill was sent XX/XX/XXXX XXXX XXXX our escrow company pays the balance in full XX/XX/XXXX - Chase bank pays the tax bill as wall XX/XX/XXXX- I am notified my payment will be increased by {$500.00} a month because of this over payment XX/XX/XXXX - I contact Chase of their mistake. 
XX/XX/XXXX - I receive notification from Chase that our county has notified them over the over payment XX/XX/XXXX - XXXX still hasn't been resolved and I contact Chase. 
XX/XX/XXXX - I am told I can do a partial payment but that the payment will not be adjusted to the correct amount. 
XX/XX/XXXX - I contact my county payment department and am told Chase didn't request a refund until the day prior and payments only go out on the XXXX of month. 
XX/XX/XXXX - Multiple calls with Chase no longer account for the agreed to payment. 
XX/XX/XXXX - stopped contacting chase and filed complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: CO

Complaint narrative:
I recently sent at dispute letter to Equifax on XX/XX/XXXX in regards to a line of credit with a credit union. Upon reviewing my credit report, I realized that Equifax was reporting an incorrect " Last Activity '' date and not reporting a closed date for the account ( although showing that the account was closed ). In actuality, the account was paid off in XX/XX/XXXX. If the account was truly verified, as they've mentioned that they did previously, then an updated date of Last Activity would've been updated to reflect the true last activity date and a closed date. Equifax, instead of completing a requested investigation, only sent out a false dispute result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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:
This is not a duplicate complaint. There are multiple problems with one account that is being overlooked and mishandled consistently. 

I disputed the Department of Education XXXX account many times for violations of the FCRA to all three credit bureaus over the past year. Each time, The Department of Education XXXX has continued to inaccurately report Balance information to XXXX Equifax and XXXX. 

The Reported Balance is {$7200.00} The Highest Balance Reported is {$5400.00}. Stating I have paid off -35 % of the debt. 

It should be PROPERLY reported as {$7200.00} IF that is my balance. I have been sent MANY different letters of what my real balance is and this company is reporting ANY Amount to my credit report is a violation of my consumer rights. XX/XX/2021 Department of Education XXXX reported an increase in debt of {$1800.00}. 

Each month that I have EVER made a payment, the balance never decreases because the US Department of Education XXXX does NOT know how to properly report information and be a qualified furnisher of information. 

The Entire account Being Reported by The Department of Education XXXX is inaccurate and is affect my personal credit report tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed a Bankrutcy listed from 2016 on my Experian Credit report for years and as recent as last month. I have requested written verification and the company 's name that experian is receiving this bankruptcy information from. Experian will not supply this information. The Public information is 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 2021-12-30 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:
This is not a duplicate complaint. There are multiple problems with one account that is being overlooked and mishandled consistently. I disputed the Department of Education XXXX account many times for violations of the FCRA to all three credit bureaus over the past year. Each time, The Department of Education XXXX has continued to inaccurately report Balance information to XXXX XXXX and Transunion. The Reported Balance is {$7200.00} The Highest Balance Reported is {$5400.00}. Stating I have paid off -35 % of the debt. It should be PROPERLY reported as {$7200.00} IF that is my balance. I have been sent MANY different letters of what my real balance is and this company is reporting ANY Amount to my credit report is a violation of my consumer rights. XX/XX/2021 Department of Education XXXX reported an increase in debt of {$1800.00}. Each month that I have EVER made a payment, the balance never decreases because the US Department of Education XXXX does NOT know how to properly report information and be a qualified furnisher of information. The Entire account Being Reported by The Department of Education XXXX is inaccurate and has affect my personal credit report tremendously.

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 2021-12-30 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
APPLIED TO XXXX ( XXXX ) AND XXXX ( XXXX ) AND SUN COAST CREDIT CARD AND SAID THEY ALL COULD NOT APPROVED UNABLE TO VERIFY MY IDENTITY. I TRIED TO SUPPLY INFORMATION TO ACCOMMODATE AND THEY SAID IT WAS TOO LATE AND RAISES ALARM WAS THAT THE REAL REASON AND ALLOWING ME TO FIX PROPERLY WITH THEM. OR ARE THEY JUST BEING DISCRIMINATING OR LIEING. THEY WOULD NOT GIVE NO MORE INFORMATION OR ALLOW ME TO CORRECT. FLORIDA FEDERAL BANKRUPTCY XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
APPLIED TO INDIGO ( XXXX ) AND DESTINY ( XXXX ) AND XXXX XXXX CREDIT CARD AND SAID THEY ALL COULD NOT APPROVED UNABLE TO VERIFY MY IDENTITY. I TRIED TO SUPPLY INFORMATION TO ACCOMMODATE AND THEY SAID IT WAS TOO LATE AND RAISES ALARM WAS THAT THE REAL REASON AND ALLOWING ME TO FIX PROPERLY WITH THEM. OR ARE THEY JUST BEING DISCRIMINATING OR LIEING. THEY WOULD NOT GIVE NO MORE INFORMATION OR ALLOW ME TO CORRECT. FLORIDA FEDERAL BANKRUPTCY DISCARGE XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: LA

Complaint narrative:
Equifax is saying an account on my credit report is valid with XXXX and that is not accurate. XXXX and XXXX have since removed these unvalidated accounts from my credit report. Equifax never follows the FCRA guidelines that are set in place. I put in the same disoute with XXXX and XXXX and the companies were unable to validate this account how is it that Equifax is saying the can. They do not investigate and use their own judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
There are several companies to dispute with and I have tried numerous times. I am victim of the 2019 breach and have been having issues every since with all accounts as I have had brokerage accounts and was not made aware and they were repeatedly stolen from me. My accounts were then fraudulently used and after numerous complaints, still not fixed. Currently my checking accounts are in a charge off status which is only supposed to happen with credit cards. They have told me I have to open new accounts now, and most of my money has been stolen and have refused to even allow me online access to see all problems to even file disputes. Currently XXXX is a card I received as a prepaid from a Financial Service center as I am an investor or broker of this banking center. When I got back into the account, they closed it. So now I no longer can use this card and have to open a new one. I am concerned as this means someone has stolen the investor/brokerage status I had with this banking center as well. I need help. I have filed identity theft from identitytheft.gov and also need to file against some individual corporations and banks. Who should I contact now?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was never provided a notice to use for Experian to use personal information or report my consumer credit profile FCRA 15 USC 1681 a ( 4 ) ... .. FDCPA 15 USC 1692 a, nor have I ever gave written or expressed consent for the alleged creditor to sell any account and provide personal information to XXXX XXXXXXXX for {$130.00}, also have not seen a contract doing consumer transactions with 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 explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I made a payment in error to a credit card I used to have at Bank of America which resulted in a credit balance of XXXX. I called but was told that since I couldn't remember the password on a card I haven't used in years, this could not be resolved over the phone. ( I was able to supply to them all types of other personal information including the account number on the card and the credit balance that was showing on the statement I received ) I was informed that I needed to go in person to a branch. I then went to the branch located in my town, XXXX, PA, on Friday XXXX. I was told that they would send the credit balance to my current bank and had me verify all the account information. I was told it would take 3 or 4 business days. On XX/XX/XXXX, the credit had still not appeared so I again went to the local branch. The person who I met with this time called the credit card area and was told that I would be getting a check for the credit balance. Today is XX/XX/XXXX and I still haven't received my money. I have been patient and have done everything asked of me by Bank of America but have not been able to access the funds that are rightfully mine. I am a senior citizen and am starting to think that BOA will keep my funds from me as long as they can.

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 2021-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
I was purchasing solar for my house and the solar company filed bankruptcy without finishing the install or re-assigning the contract to another company.Goodleap is the company that is saying they paid the solar company and now I need to pay them. They claim I have no contract with the solar company, but I have a contract with them for XXXX. They have not shown proof of payment to the solar company, nor sent me anything but threatening emails and phone calls. As of XXXX I had paid Goodleap XXXX plus dollars over what the paperwork I have states, yet they have stated on every credit report that I have not paid. They are calling me every 2 hours from XXXX to XXXX XXXX, after I asked them not to call. I have filed complaints with the XXXX, XXXX XXXX XXXX XXXX, and The Attorney General. I am still waiting on resolution suggestions from them. I was issued a notice from XXXX XXXXXXXX XXXX for an order to fix the damage to my roof and to complete the installation of the solar. I have yet to be contacted regarding that. I have sent emails and verbally told them to stop calling me, but they refuse. I want the harassment to stop immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation