vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 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: CA

Complaint narrative:
I noticed a lot of inaccurate information on my credit report a few months ago, so I created have been sending the three credit bureaus to dispute letters explaining to them that I was part of the Equifax data breach, and I have a lot of fraudulent information accounts on my credit report. XXXX, Equifax, and XXXX have been causing me much trouble and I HAVEN'T RECEIVED A RESPONSE on why they are reporting the fraudulent accounts. Can I please get help with this issue? I sent another letter to them on XX/XX/2021and they have ignored it completely. I know they got the dispute because I sent it certified. This has been causing me so much XXXX  and headaches, I have tried everything to get them to remove these accounts and I need your help. I want these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: GA

Complaint narrative:
I have reached out numerous of times about inaccurate reporting on my consumer report. As a consumer, CapitalOne has been given me such a hard time removing late payments that were placed on my account. When I spoke to a representative, they told me that they were willing to work with me, but never did anything. Under 15 USC 1666b as a consumer, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because this was not done, this is a violation and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I PULLED MY REPORTS ALL 3 I NOTICED BANKRUPTCIES IS REPORTING ON XXXX ONLY. I SENT IN ALL SUPPORTING DOCUMENTS, MY XXXX REPORT IS NOT REPORTING ANY BANKRUPTCIES AT ALL, XXXX STATED THAT THEY ARE, THAT IS INACCURACY INFORMATION, I ASK THEM TO REMOVE MY BANKRUPTCIES immediately immediately. THE FAIR CREDIT REPORTING ACT MENTIONS NOTHING IN SECTION 1681C RELATING TO BANKRUPTCY ABOUT DISMISSAL OR FILING.THE LAW CLEARY STATES FROM DATE OF ADJUDICATION OR DATE OF ORDER FOR RELIEF ANY CASE CIVIL OR OTHERWISE WHICH IS DISMISSED NO LONGER EXISTS IN THE EYES OF THE LAW, AND A CASE FILED MAY NEVER HAVE ACTUALLY BEEN ADJUDICATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: AL

Complaint narrative:
I PULLED MY REPORTS ALL 3 I NOTICED BANKRUPTCIES IS REPORTING ON XXXX ONLY. I SENT IN ALL SUPPORTING DOCUMENTS, MY XXXX REPORT IS NOT REPORTING ANY BANKRUPTCIES AT ALL, XXXX STATED THAT THEY ARE, THAT IS INACCURACY INFORMATION, I ASK THEM TO REMOVE MY BANKRUPTCIES immediately immediately. THE FAIR CREDIT REPORTING ACT MENTIONS NOTHING IN SECTION 1681C RELATING TO BANKRUPTCY ABOUT DISMISSAL OR FILING.THE LAW CLEARY STATES FROM DATE OF ADJUDICATION OR DATE OF ORDER FOR RELIEF ANY CASE CIVIL OR OTHERWISE WHICH IS DISMISSED NO LONGER EXISTS IN THE EYES OF THE LAW, AND A CASE FILED MAY NEVER HAVE ACTUALLY BEEN ADJUDICATED.

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 2021-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LOBEL FINANCIAL CORPORATION
State: MO

Complaint narrative:
The information is credit report is inaccurate information. The address is incorrect, the dates are also incorrect. Someone has compromised my ID

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
We have a loan financed by Aqua Finance. I received one letter from them prior to our first payment being auto drafted from our bank account. That letter said we would receive a statement so we knew what our loan balance and such was, along with account information so I could register for online access. To this day, I have not received anything more. I have never gotten a statement yet they have taken 2 payments out of my bank account. I have tried 10 times to call their 800 # on the letter and get disconnected or it rings endlessly with no answer. I can not get online access without the information they say they would send and whats more important- I should receive a monthly statement and havent gotten a single one. I researched extra ways to reach them online and all I see are pages and pages of XXXX  complaints about similar things. It seems they are not upholding their obligations as a lending institution. I just want my statements and information so I can manage my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I tried to reach the Credit Bureaus by letter letting them what to correct on my Credit report, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been disputing this account for some time now with JP MORGAN. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: GA

Complaint narrative:
I went to my credit union to apply for an auto loan and was approved with a high interest rate. I ask them why was my interest rate so high and they said because of my credit. Now I dont check my credit everyday but I know that my scores were above 700 and has been that way for the past 20 years. I went home and took a look at my credit on the XXXX XXXX thingy and I see several accounts on here that are not mine XXXX, XXXX XXXX XXXX, XXXX. I also see several student loans on there that are not mine. Now that really was the red flag because I didnt even graduate from high school so how is that possible. The last thing I see are lots of Inquires that are not mine XXXX-XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. I also filed a complaint with the FTC and my police station here. I am doing this on my own and need someone help with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I had an XXXX Visa card with XXXX XXXX. On XX/XX/2021 the account was changed over to Barclays Bank. 
On or about XX/XX/2021 I received a mailing from Barclays explaining the change from XXXX to Barclays. 
I never received a replacement card from Barclays. I attempted to call them twice during regular business hours, but never got to speak to anyone. I was on hold for a little over one hour each time. The automated menu had a selection for " lost or stolen card ''. After choosing that I was put on hold indefinitely. 
I have never received a statement from Barclays since the XX/XX/2021 change. They have my address. 
I had a recurring charge I had established through XXXX that I keep getting charged for. I don't know whether I am being charged for other charges. 
I do not know my credit card number with Barclays. I do not know what I am being charged for on my account. 
When visiting the Barclays website, I can not sign in. The site just wants me to activate my card. I don't have a card to activate.

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 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Please see attached letter from XXXX  to JP Mortgage Chase in which it is stated that I XXXX tried to stop the funds from being deposited into my Chase Checking account back on XX/XX/2021 but Chase had already cashed the {$20000.00} made out to XXXX to pay off my personal loan with XXXX. This letter is also indicates that XXXX is recalling these funds to be sent back to them ; after several attempts to try to solve this issue with Chase, I am asking for your assistance so Chase returns this money back to XXXX. Please refer back to my closed complaint with CFPB # XXXX for further information. At this point Chase has ran out of arguments and excuses not to return this money to the issuer of this check. Chase has made my life miserable and made me pay dearly for my mistake. CHASE, ENOUGH IS ENOUGH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
The information on my credit report is inaccurate. The address is incorrect, and the dates are also incorrect. Someone has compromised my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: GA

Complaint narrative:
I went to my credit union to apply for an auto loan and was approved with a high interest rate. I ask them why was my interest rate so high and they said because of my credit. Now I dont check my credit everyday but I know that my scores were above 700 and has been that way for the past 20 years. I went home and took a look at my credit on the XXXX XXXX thingy and I see several accounts on here that are not mine XXXX, XXXX XXXX XXXX, XXXX. I also see several student loans on there that are not mine. Now that really was the red flag because I didnt even graduate from high school so how is that possible. The last thing I see are lots of Inquires that are not mine XXXXXXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. I also filed a complaint with the FTC and my police station here. I am doing this on my own and need someone help with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: GA

Complaint narrative:
I went to my credit union to apply for an auto loan and was approved with a high interest rate. I ask them why was my interest rate so high and they said because of my credit. Now I dont check my credit everyday but I know that my scores were above 700 and has been that way for the past 20 years. I went home and took a look at my credit on the XXXX XXXX thingy and I see several accounts on here that are not mine XXXX, XXXX XXXX XXXX, XXXX. I also see several student loans on there that are not mine. Now that really was the red flag because I didnt even graduate from high school so how is that possible. The last thing I see are lots of Inquires that are not mine XXXX-XXXX, XXXX XXXX  , XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX , XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX , XXXX XXXX XXXX. I also filed a complaint with the FTC and my police station here. I am doing this on my own and need someone help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
I disputed with the company on XX/XX/XXXX the company received my dispute on XX/XX/XXXX. it shows now XXXXand I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: SD

Complaint narrative:
Banco Popular XXXX Visa statement posted on XX/XX/2021 with {$140.00} annual fee. I called the customer service line and to close my account on XX/XX/2021 and the representative stated the fee still applied. I asserted there should not be a fee for a service Im not longer using when I terminated the service before the fee was due on XX/XX/XXXX. The fee has not been waived and Banco Popular is still requiring payment. On XX/XX/XXXX I paid {$140.00} annual fee and called and close the account on XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08 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: OH

Complaint narrative:
I've asked TransUnion to remove the hard inquires below from my credit report. They are not mine and I do not know why they are on my credit report Creditor : Date : ____ XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please have these unapproved inquiries 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 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is an unknown collection account reporting multiple times on my credit profile. I am respectfully requesting that you delete this inaccurate account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have been getting repeated phone calls since the past one month from Transworld Systems Collection Agency, the number is XXXX. 

They have been asking for a debt for their client XXXX XXXX for an amount of {$430.00}, which I have never owed and that I do not even know who this energy company is. 

They have also got access to my credit and that my credit points have been affected because of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is an unknown collection account reporting multiple times on my credit profile. I am respectfully requesting that you delete this inaccurate account from my credit profile.

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 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is an unknown collection account reporting multiple times on my credit profile. I am respectfully requesting that you delete this inaccurate account from my credit profile.

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 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
This is an unknown collection account reporting multiple times on my credit profile. I am respectfully requesting that you delete this inaccurate account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus is reporting inaccurate information on SANTANDER CONSUMER USA. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need to take all the stuff off my report XXXX Equifax XXXX I gave them a report all my information and paperwork paperwork to XXXX XXXX XXXX  XXXX and XXXX XXXX

Company response to consumer: Closed with explanation