vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 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: TN

Complaint narrative:
On XX/XX/2021 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 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 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-27 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: TX

Complaint narrative:
On XX/XX/2021 I have filed a direct dispute with Experian.Experian failed to protect my consumer rights they also failed to do a clear investigation and did not provide any proof to me I am a. Victim of identity theft as the supporting documentation can attest as such it should be clicked from appearing on my credit report.pursuant to. Section 605 B of the hair credit reporting act Im now taking full action to sue Experian And XXXX for failing to comply and also failing to delete fraudulent information and they did not protect my consumer rights also XXXX failed to remove all fraudulent hard inquiries and open accounts that were opened without my consent as I did supply police report and theft affidavit

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 2022-01-27 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: TN

Complaint narrative:
On XX/XX/2021 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 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 30 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-01-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian removed my XXXX  XXXX credit card account from my credit report even though my credit card account is still active towards the end of XXXX of 2021. I have called both companies experian and XXXX  XXXX and they keep giving me the run around blaming each other noone will give me a straight answer. XXXX  XXXX customer service says that their still reporting to experian but yet when I talked to experian customer service their saying XXXX XXXX told them to remove it but when I stated that to XXXX  XXXX customer service they stated they never did that. I wrote a letter to experian also which I will attach along with other documents of prove. 

Hope you can help 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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been reporting identity theft and Ive even sent police reports to support my claims the credit bureaus refused to remove the accounts from my report. They validated this debt more than once they are violating my rights under FCRA laws.

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 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Fraud was committed on my checking account. All my funds were wiped. Ive tried reporting this to the bank and disputing all fraudulent transactions and no help has been given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been reporting identity theft and Ive even sent police reports to support my claims the credit bureaus refused to remove the accounts from my report. They validated this debt more than once they are violating my rights under FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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 have been reporting identity theft and Ive even sent police reports to support my claims the credit bureaus refused to remove the accounts from my report. They validated this debt more than once they are violating my rights under FCRA laws.

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 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital Systems out of XXXX  trying to collect {$200.00} from me for a XXXX purchase of some kind that I did not buy, I have XXXX XXXX XXXX. Never had XXXX. All I know is balance of {$200.00} was due on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: TX

Complaint narrative:
I discovered certain issues on my credit report that were improperly reported after analyzing it. The Fair Credit Reporting Act has given me the authority to dispute and alter information in my credit report that I believe is wrong ; however, the following are also forbidden under the Act ( FCRA ).

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 2022-01-27 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: TX

Complaint narrative:
On XX/XX/2021 I have filed a direct dispute with XXXX failed to protect my consumer rights they also failed to do a clear investigation and did not provide any proof to me I am a. Victim of identity theft as the supporting documentation can attest as such it should be clicked from appearing on my credit report.pursuant to. Section 605 B of the hair credit reporting act Im now taking full action to sue XXXX And Transuion for failing to comply and also failing to delete fraudulent information and they did not protect my consumer rights also Transuion failed to remove all fraudulent hard inquiries and open accounts that were opened without my consent as I did supply police report and theft affidavit

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 2022-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was a victim of identity theft I asked the credit card company to validate the debt they refused to comply with my requests I received a letter overnight with information that is not related to me. The date of birth used to apply for the account is not mine I have already disputed this with the bureaus and verified my identity they corrected the information but refuse to remove the account From 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 2022-01-27 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: TX

Complaint narrative:
I discovered certain issues on my credit report that were improperly reported after analyzing it. The Fair Credit Reporting Act has given me the authority to dispute and alter information in my credit report that I believe is wrong ; however, the following are also forbidden under the Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MT

Complaint narrative:
mr cooper ( nationstar ) on XXXX they paid out of my escrow to my insurance co {$840.00} then on XX/XX/XXXX they took out of escrow {$500.00} for lender paid insurance then on XX/XX/XXXX they took out of escrow {$440.00} for lender paid insurance then on XX/XX/XXXX they took {$440.00} out of escrow for lender paid insurance total {$1300.00} i called then 8 times with no resolution i have always had insurance now my payment went way up they will not refund to my escrow. they stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: FL

Complaint narrative:
On XX/XX/2021 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 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 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 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 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 30 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 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Hello, I would like to submit an official complaint on XXXX XXXX a Senior Loan Advisor from Freedom Mortgage. I spoke to XXXX XXXX on XX/XX/22 and I verbally stated multiple time over the phone and via email to not run/pull credit reports for my wife and myself however he pulled our credit anyways without our permission. 

Agents ' info : XXXX XXXX Senior Loan Advisor NMLS # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Direct : XXXX Office : XXXX ext. XXXX Fax : XXXX XXXX FreedomMortgage.com

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 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I'm currently pursuing PSLF through FedLoan Servicing, and they have completely erased my entire history of PSLF payments. 

In XXXX of 2021 I was at roughly 82 qualifying payments towards PSLF ( pre-waiver rules ), but should be near or at forgiveness when the Limited Waiver is applied. However, as of XX/XX/2021 FedLoan has erased my entire PSLF history and it is now set to 0 with no explanation, especially in the context on the new Limited Waiver. 

I originally filed a complaint through the FSA with the Ombudsman, who helped get my pre-limited waiver PSLF payment counts to that 82. When my PSLF payment count dropped to 0 in XXXX I filed a new complaint with the Ombudsman, but they have put my request in " pending '' status and say that the error is " stuck '' with FedLoan. I have not been able to get any help from FedLoan or the Ombudsman in moving my complaint case forward. 

I am asking for my payment counts to be restored and for the limited waiver to be applied to update my now eligible past payments as I am either near forgiveness or should already have my loans forgiven under the PSLF Limited Waiver.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
on XX/XX/XXXX made an online purchase for a watch from a online merchant. i made the purchase but then tried to cancel 1 hour later because the online address was not to be found,, i couldnt email or phone the merchant there were no options to do that. i called the credit card company immediatly and told them my story and they said they would reverse the charge no problem ... than they said they couldnt i would have to file a dispute. I did that they gave me temporary credit and than as of XX/XX/XXXX they rebilled me and said they have proof of delivery of the merchandise? i never received any such merchandise and i checked the tracking number the credit card company sent me and i called XXXX  and the tracking number is invalid and never had any such delivery. The credit card company is reinvestigating the merchant but will not give me temporary credit until they validate the merchant which there is no merchant available to contact .They will not give me any info as to whether or not they have any contact info like a phone number or an email addresss and they are not giving me a straight answer.. In conclusion they are running me around and not giving me me credit refund. they are fully liable i called them immediatly after purchasing the item and told them it was a scam site!!

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 2022-01-28 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: AES/PHEAA
State: PA

Complaint narrative:
The company, Fed loan Servicing is reporting inaccurate and erroneous information for six accounts on my XXXX, XXXX, and XXXX credit reports. I am the consumer, the natural person according to federal law, and the only individual who validates an account as accurate. Fed loan Servicing did not have a permissible purpose under 15 USC 1681b ( 2 ), no written/ oral consent to report these alleged items to the credit reporting agencies. Additionally, it is a federal law to provide accuracy of any information item contained on a consumer report. The information is reporting inaccurate date opened ; balance ; last reported ; date last active ; missing payment history which is all a direct violation of state and federal law as well as an infringement of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MO

Complaint narrative:
I've been patient... I've been kind. I've been writing Experian for months in an effort to resolve inaccurate information they are reporting on my credit file. It always comes back as " accurate '' or " verified ''. Their 30 day investigation took only 8 days to complete and respond ( including mail time ). What a joke. They didn't investigate anything. Didn't even bother with updating the dispute status to reflect the accounts being disputed. I'm uploading the letters to prove it. My next move is to go to small claims court since Experian will not follow the law as it pertains to FCRA. As a federally protected consumer, I know my rights and that I can sue them and win {$1000.00} per violation. I send all letters to them through certified mail with return a receipt so I know they received them and have well documented evidence that they have willfully ignored the law and in doing so have violated my rights as a consumer, which has caused me to be denied credit and pay higher interest on my existing loans. Experian 's business model seems to be to profit at the expense of others by furnishing inaccurate or unverified information to banks who request consumer credit reports.

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 2022-01-28 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: CA

Complaint narrative:
XX/XX/2020- XX/XX/2020. XXXX and XXXX XXXX XXXX XXXX both companies run by XXXX XXXX reported late payments on all three reporting agencies. I was on a payment plan during that time because I was laid off work because of COVID-19. I made my payments and they still reported late. I have sent several letters to XXXX, XXXX, Experian sending my canceled checks and letters from XXXX and XXXX that I was on a payment plan and they are refusing to delete that wrong information. In the dispute section I can see the result of their investigation but the item remain the same even though I have proof of the mistake. The other one is XXXX XXXX that account was designated to my ex-husband by a judge for him to pay ( i have documented proof of judgement ) I paid the account and they XXXX keeps reporting it as not paid. XXXX, XXXX, and experian wont delete or change the information and I have a letter from XXXX XXXX stating that I paid in full.

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 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had an account with Chase and money in the bank, no problems that I was aware of. In XX/XX/2019 I could not use my card, I called the bank and they said my account was frozen. I made an appointment to go into the branch, where I was treated like a criminal and they would not release my money or give me a reason as to why they froze my account. I had to wait months for my money and they never gave me a reason as to why they closed my account. On top of that, I asked for bank statements and they would not release them, they wouldn't let me have any access to my banking at all.

Company response to consumer: Closed with explanation