vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 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 when to apply for a store card and was denied for too many delinquencies to my surprise then, checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit. 
In the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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 when to apply for a store card and was denied for too many delinquencies to my surprise then, checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit. 
In the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-03-06 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: NC

Complaint narrative:
We ordered an on-line streaming service ( one year subscription ) from XXXX XXXX XXXX XXXX using our Barclay 's XXXX XXXX XXXX XXXX XXXX Mastercard. We were charged twice for the service, each in the amount of {$99.00}, for a total charge of {$190.00}. The service was cancelled by XXXX XXXX XXXX  who confirmed the cancellation in writing. We disputed the charge through the credit card company with the supporting evidence of cancellation. Despite this, the credit card company reinstated the charges and we have paid them in full. We believe it is incorrect for the credit card company to charge us for a service which the provider itself confirms was cancelled.

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 2020-03-06 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:
I contacted all three ( 3 ) credit bureaus numerous times in regards to my social security number being compromised. I have let them know each time that I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX via the XXXX XXXX police department. I have been advised they may contact them at ( XXXX ) XXXX to verify the report and have informed them of this in each request. I have asked each time for them to remove and block all information from my credit report that I included in each request, and to send me a copy of my credit report proving they have done so. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Opened XX/XX/XXXX XXXX XXXX Credit Card - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX/XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX I asked them to remove and block all information resulting from identity theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within four ( 4 ) business days of receipt.

Again, I also asked them to please send an updated copy of my credit report at no charge as the act says there should be no charge for this updated report. I also requested that they please send notices of corrections to anyone who received my credit report in the last six months. 

The only responses I have received are generic responses saying these items have been validated. I have requested numerous times for them to provide proof of how they obtained validation and have received no response. 

According to the Fair Credit Reporting Act, Section 609 ( 1 ) ( 1 ) ( A ) they are required by federal law to verify, through the physical verification of the original signed consumers contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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:
I contacted all three ( 3 ) credit bureaus numerous times in regards to my social security number being compromised. I have let them know each time that I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX via the XXXX XXXX police department. I have been advised they may contact them at ( XXXX ) XXXX to verify the report and have informed them of this in each request. I have asked each time for them to remove and block all information from my credit report that I included in each request, and to send me a copy of my credit report proving they have done so. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Opened XX/XX/XXXX XXXX XXXX Credit Card - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX  XXXX C - XX/XX/XXXX XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX/XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX I asked them to remove and block all information resulting from identity theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within four ( 4 ) business days of receipt.

Again, I also asked them to please send an updated copy of my credit report at no charge as the act says there should be no charge for this updated report. I also requested that they please send notices of corrections to anyone who received my credit report in the last six months.

The only responses I have received are generic responses saying these items have been validated. I have requested numerous times for them to provide proof of how they obtained validation and have received no response.

According to the Fair Credit Reporting Act, Section 609 ( 1 ) ( 1 ) ( A ) they are required by federal law to verify, through the physical verification of the original signed consumers contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent 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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XX/XX/XXXX My Moms Bankruptcy ended I noticed that Wells Fargo was reporting during the bankruptcy that our Mortgage was 90 -180 Days late every month on on Both Credit reports (. ) in XXXX I received her Discharge and we sent letters to all 3 Bureaus XXXX, XXXX, XXXX XXXX all 3 said they would contact Wells Fargo doing business as American Servicing Company   upon contacting ASC all 3 were told that they were reporting it right and it would stay that way, So I contacted Wells Fargo and explained that it was illegal to report inaccurate information on credit reports and that I would seek legal remedy, Consumer Financial Protection Bureau was contacted sent all 3 credit reports and the complaint letter to 3 credit bureaus in XXXX, XXXX and now XXXX Wells Fargo ( KNOWINGLY Deleted ) our Mortgage on our reports and so we could not show a mortgage history which would keep us from getting a loan from another bank? and would keep our credit score down so we could not qualify for any other loan? I have the documentation from the credit bureaus showing it was there in XX/XX/XXXX and before although it shows them reporting it late 90-180 days again that is illegal, so I filed several complaints and have tried to speak with them and have had them say time and time again that its correct and they are not changing it, Well in XXXX i received notices that they were reporting our information incorrect and they would fix it and they were sorry? I am going to sue Wells Fargo for this as they have lied to a Congressmen 's office that checked into this as I am a Veteran, This has financially ruined us, we have gotten no loans with reasonable APR 's and We have paid more for all Purchases We still have not had fixed and now were forced to sell our property as we couldn't get a loan for the Mortgage that our report doesn't show.

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 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Gerald E Moore & Associates, PC
State: TX

Complaint narrative:
Contacted XXXX XXXX XXXX and Brett Borland on several occasions, Spoke with XXXX and XXXX at XXXX told me my debt was sent to a Law office of Brett Borland, and they had to handle it. Although they have continually reported this debt on my credit. I contacted Brett Borland they verified they had the deb.t Well I contacted the original creditor which the debt was reduced and told to pay XXXX XXXX XXXX. XXXX refused to take payment saying they no longer had. it. Spoke with XXXX XXXX, and paid Brett Borland because I wanted this to be over. To my knowledge it is illegal to continue to report a debt when you no longer have it. I am trying to rent again, and they will not accept the documentation/receipt because XXXX XXXX XXXX reported and not Brett Borland. I have contacted them both and they keep giving me the runarounds. I have paid the debt and I want it removed immediately as it has harmed and was reported inaccurately. They need be held accountable for sharing information and not giving knowledge to the consumer until after. They need to follow the law and report the information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I signed up for Uber credit card (XX/XX/2020 ) under a promotion. The promotion stated that if you spend {$500.00} in 90 days you would receive {$100.00} bonus in Uber Cash. After receiving the bonus it prompted me how to redeem and use the Uber cash. On the XX/XX/2020 I followed the prompts as follows : Transfer your bonus to your Uber Cash Account. Download app and install to your phone. Login into your account in the app and use Uber Cash to order Uber XXXX. I ordered Uber XXXX   and received my food. To my surprise XX/XX/2020 my credit card was billed. My Uber Cash seems to be just virtually sitting out in cyber space as it seems to be just out there untouched. 


I contacted them about this and explained what happened. I talked to 5 different people and none of them could resolve this. I was so frustrated I closed 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 2020-03-06 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: AR

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: GA

Complaint narrative:
To whom it may concern : Under Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. A copy of a previous complaint and response is attach.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a secure checking account with chase that starting closing the first week of XXXX and didnt " officially '' close till mid XXXX. I tried going in to branch to withdraw my remaining balance ( money from my paychecks deposited XXXX/first week of XXXX ) and was told id have to wait for a check in the mail which i should expect the first week of XXXX. That week came and went and I decided to phone in the end of the second week to see what was going on. When I finally got through to someone who was able to help, they informed me that no check was ever issued out because 3 days after they had originally told me id receive a check, they changed their minds and decided id only get my funds pending verification from maker. Ive deposited all my checks from that company into my account and Chase never gave me an issue, id always get my funds after the 9 day hold time. Long story short, they tried calling while I was on phone with them and kept getting a disconnected tone. They asked if I was able to get a hold of someone from company, and I informed them that I no longer worked there so my only option would be to drive to my former employers location, so thr next day before work thats exactly what I did, only to find out that the company was no longer in business. I again called chase and told them the situation and was told Id pretty much have to track someone down that could verify if I ever wanted to receive my funds. Im running out of options on what to do. I think its unfair that I cant have the money I worked hard for, especially because my checks have cleared and been given to Chase since XXXX/XXXX. Its now XXXX and I still have been given the same run around. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: TX

Complaint narrative:
Good Afternoon CFPB I have been disputing inaccurate information on my credit report, there are multiple accounts that are reporting inaccurately. I have submitted multiple disputes starting XX/XX/2020 - the accounts have remained on my account. 

I am submitting a complaint as a last resort and I hope you can assist me in removing this inaccurate information from my report. 

Thank you so much, 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 2020-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I took out a loan for XXXX school that I believe was XXXX. It is now $ XXXX since it took be a bit to find a job, then my first job paid me $ XXXX a year. I am on a PAYE plan, for lowest possible payment, as I am married with a child. My loan increases because of my absurd interest rate ( 6.55 to 7.5 ). By the time I am forgiven for my loan based upon my plan ( 25 years ) I will have paid more than I took out. Then, I will get taxed as income the forgiveness, essentially resulting in me paying off my loans for the rest of my life. Interest rates go down everywhere but for student loans. 

I can not file married jointly for taxes because otherwise the PAYE plan will double my payment. Therefore, I file married/separate and as a result, I can't take advantage of a childcare credit. I also get no deductions for interest payments because of a ridiculous law. 

This must stop. It is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: TN

Complaint narrative:
i just spent 1 hour of wasted phone minutes trying to place extended fraud alert through what i thought was equifax phone numbers. i tried doing it automated and it sent me to another language. i XXXX  equifax & got this site : https : //www.equifax.com/personal/contact-us/ so i wanted to speak to a human & called the listed # XXXX and got someone from XXXX. i told them i wanted to place fraud alert, because i didn't know if my initial fraud alert was 90 days or a year. he proceeded to ask? to confirm identity which i confirmed, until he asked me for the date of my initial placement of fraud alert. i told him i did not have paperwork or could even remember that was why i was calling him. HE REFUSED TO GIVE ME ANOTHER? AFTER I HAD ALREADY CONFIRMED MY IDENTITY. i ask to speak to supervisor because this XXXX was enraging me after i had already spent 1 wasted  hour on just trying to place an alert through automation. then he put me on hold for spite. THIS XXXX OF XXXX NEEDS TO BE FIRED. NOW I AM CONCERNED THAT I DID NOT EVEN CALL THE LEGITIMATE EQUIFAX CREDIT BUREAU PHONE #. 
ANYWAY, i called XXXX  and a XXXX cs agent confirmed that my initial fraud alert is still good till XX/XX/2020. THE SUPPOSED EQUIFAX CS AGENT DID NOT HAVE THIS INFO, SO NOW I AM CONCERNED THAT THIS SITE & PHONE # IS A SPOOFED SITE TO REDIRECT EQUIFAX CUSTOMERS TO IDENTITY THIEVES. 

PLEASE, PLEASE WILL SOMEBODY CONFIRM THE IDENTITY OF THIS SITE & PHONE # AS BEING THE LEGITIMATE EQUIFAX CREDIT BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I viewed a copy of my credit report and saw collections listed on it that I know I do not have. I have written to the companies and to the bureaus on more than one occasion to have them remove these negative listings on my credit report and I have not received any response from them. I have not even seen on the credit report where they entered it as being disputed when I viewed a recent report. 
They are even reporting late payments on my credit report and I never had a late payment on any of my accounts. These negative reporting are affecting my credit scores and I want to get a mortgage but they are ruining me.

Company response to consumer: Closed with explanation