vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
FCRA Honda finance is to be removed from my credit report it has been over 7 years. And I paid off settlement account closed for 5 years. Delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting bankruptcy on my credit report it's infringement upon a consumers right to privacy pursuant 15 usc 1692

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 2021-09-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The CRA will not process my requests to lift freeze on my credit report. 

XX/XX/2021 - Online request was made. Error message, telling me to call Equifax. Called them and was told I needed to fax information with ID verification. Information faxed. 

XX/XX/2021 - Online request was made. Error message Instructing me to call Equifax for processing. Automated system would not process, instructing me to fax. Faxed on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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:
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 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called to dispute a charge on my account and the people i talked to said they could not dispute my charge unless i gave them my name. That normally would not be a problem but i gave them my name like 5 time already on the same call. I dont have time to give my information to the customer service people 10 times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am a chase bank customer and I disputed unauthorized transactions dated XX/XX/2021 from XXXX XXXX XXXX in the amount of {$130.00} and XXXX XXXX for {$150.00} chase denied my claim and said I was responsible to pay for these charges when they were fraudulent and I never made them. I find it extremely absurd and unethical for chase to say they protect customers from fraud when in reality they don't. I refuse to pay for charges that I never made and I really need help resolving this issue, I handled everything correctly on my end and reported my card lost as soon as I noticed these transactions which was not even 12 hours after they posted and its so unfair and wrong for chase to deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: VA

Complaint narrative:
I submited an FTC Identity Theft report numerous times via mail and via fax to Equifax and they are refusing to remove the information that is falsely reporting on my credit report. I received a paper copy of my full credit report, dated XX/XX/XXXX, via mail from them stating ( page 4 ) that " the disputed item is not currently reporting on the equifax credit file ''. The compananies on the mailed paper document that I disputed under inquires shows as XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX. In this same exact report on page 64, those same companies are displaying under inquires ( XXXX XXXX XXXX XXXX, XXXX XXXX ) and there are two other companies I do not recognize and that are not on my online report with Equifax ( XXXX on XX/XX/XXXX , XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ). These new company names seem to be consistent with dates of the original inquiry disputes I submitted ( XXXX ). I have pulled my credit report online as of XX/XX/XXXX and the following company inquires are listed on my current credit file still ( XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( listed 3 times ). This company is being contradictive, information is inconsistent, I requested proof for all of the accounts I disputed on my credit report ( original signed contracts or agreements with my signature ) on XX/XX/XXXX - still have yet to receive it, it has passed the 30 day window to provide it- which with the law states they should be removed, the paper credit report mailed is not consistent as to what is displayed online - inconsistent and inaccurate reporting which is affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: MI

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: NY

Complaint narrative:
I want to verify the method of verification with the bureaus regarding my accounts in question. I am attaching the letters I created and mailed out a few months ago with the accounts in question. Along with my ID verification to show this is my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: NY

Complaint narrative:
I want to verify the method of verification with the bureaus regarding my accounts in question. I am attaching the letters I created and mailed out a few months ago with the accounts in question. Along with my ID verification to show this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I received a bill stating that I owe {$1200.00} from the XXXXorporation ONLINE INFORMATIONS SERVICES INC. I XXXX XXXX has never contracted with this corporation or the service address stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I originally was approved for a home loan with Caliber Home Loans back in XX/XX/2020 at a XXXX interest rate. I also originally obtained homeowners insurance with encompass and bundled auto insurance as well with a home insurance yearly premium at that time of {$930.00}. I later took the vehicle off in XX/XX/2020 of the bundled insurance bringing my home owners insurance premium up at that time to XXXX. I later refinance loan in XX/XX/2020 and my homeowners insurance yearly premium at that time again was {$1100.00}. In the refinance documents in XXXX Caliber had my yearly home owners insurance rate on the closing documents of {$1000.00}, which was {$100.00} short by 3 months. Now Caliber is saying my escrow is short {$310.00} due to caliber trying to play catch up to their error. Which is causing escrow shortage.I understand there are increases but my main concern is the shortage in my escrow account that shouldnt of happened based on caliber home loans mathematical error. I feel this is unfair, kinda swept under the rug when speaking with agents and is a very high personal concern of mine that was this may happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2021-09-28 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: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal allowed this XXXX  company to scam me twice. I disputed it with PayPal and the XXXX  company and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I ordered a subscription costing {$140.00} on XX/XX/21 using my Capital One credit card. The subscription came with a 14 day satisfaction and refund policy. I canceled the subscription via email on XX/XX/21 and have proof of email and screenshot to show the cancellation. 

When the company did not respond and did not refund the money, I filed a dispute with Capital One on XX/XX/21. 

On XX/XX/21, Capital One reinstated the charge even though I have all the proof of cancelling the subscription in a timely manner. Capital One never bothered to see any of the proof I have and have quietly reinstated the charge. They are promoting scammers like the one who scammed me by supporting their fraudulent charges. 

I need Capital One to immediately charge the merchant and refund the {$140.00} that has been fraudulently charged to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: NY

Complaint narrative:
Back in XX/XX/XXXX, Experian was asked to remove all delinquency on my file with a letterhead respondent credit status from child support to send over to Experian. I made several attempts to resolve this issue by filing complaints with Experian even sending the child support agency several emails on this issue. They have responded on XX/XX/XXXX giving me a new Respondent credit status letterhead once again asking to remove delinquency from my file. The Child support agency also sent me several responses telling me to file a dispute with the credit reporting agency so they will contact them. All creditors that report to credit reporting agencies are allowed to request removals as long as both parties come to an agreement. There can be several reasons why a negative item can get on someone credit report and sometimes it is by accident or the person has a good excuse as to why it happens but the creditor is the only person that can agree to remove the item and child support agreed to remove the item. Experian is the only credit reporting agency that refuses to remove the negative item causing me to get needed funds in the past. I am in contact with someone that is representing Experian hoping he can help resolve this issue. Child support is a government agency that should have no problem getting any negative item off of anyone child report that no worries of the law coming after them because they have immunity. Experian is a private reporting agency that I feel is violating my fair reporting act and should fix this problem right away. I attached all documents to support my claim. Please remove any delinquency off of my child support account, I do not owe any arrears and have a XXXX balance. XXXX XXXX, I attached proof that both XXXX and XXXX remove the delinquency back in XX/XX/XXXX. Experian is the only one that is refusing to remove the negative item.

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 2021-09-28 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: PA

Complaint narrative:
Transunion has a fraudulent inquiry on my credit report.cThe fraudulent inquiry on my credit report is from XXXX XXXX inquiry is from XX/XX/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 2021-09-28 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
AT XXXX CENTRAL TIME RECEIVED EMAIL FROM WELLFARGO STATING THAT APPLICATION WAS RECEIVED ON XX/XX/2021, NEXT EMAIL WITH ACCESS CODE XXXXXXXX XXXX TO VIEW APPLICATION, NEXT ONE TO COMPLETE ENROLLEMENT, THEN NEXT ONE TO ACCESS DOCUMENTS NOW, LAST ONE WAS ONE STATED WEVE UPDATED YOUR CONTACT INFORMATION TO THE FOLLOWING : EMAIL TO : XXXX ; PHONE NUMBER ( *** ) XXXX. I AT THIS POINT I CALLED WELLSFARGO CUSTOMER CARE TO REPORT TO THEM THAT I HAVE NO BANKING WITH THEM. RECEIVED CASE # XXXX. 
CALLED AND TALKED TO THEIR FRAUD DEPARTMENT-XXXX  AND HE IS SENDING A LETTER TO MY ADDRESS ON THIS MATTER. ON PHONE FOR XXXX SECONDS. THEY ARE ALSO SENDING A REPAIR KIT AND SUGGESTED TO FILE A COMPLAINT ON THE FEDERAL TRADE COMMISION

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 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
Dear BSI, Thank you for the attached response letters to the CFPB. 

Attached is BSI XXXX XXXX from your website which provides the information for BSI 's Mortgage Servicer Licensing in Florida, namely. 
Florida Mortgage Lender Servicer License XXXX Please provide your Lender licensing information in Florida. 

Please note that the attached IRS Form 1099A lists BSI Financial Services as the Lender. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CORELOGIC INC
State: NC

Complaint narrative:
I recently sent a letter to Corelogic to place a security freeze on my Corelogic credit report. I downloaded the form, filled out my information, and sent in a copy of my driver 's license, my social security card, and a utility bill. But yet in the response on XX/XX/XXXX, they say in a letter that they are a reseller of the consumer report information maintained by the credit bureaus. But they have not placed a security freeze that I requested, and I know that they do place security freezes and give you a PIN. Still, they're claiming that they don't, so I'm filing this complaint so they can put a security freeze on my Corelogic 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 2021-09-28 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: PA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation