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

Complaint narrative:
On XX/XX/2021, and XX/XX/2021, I sent letters by USPS certified mail to XXXX XXXX XXXX requesting validation of 4 medical accounts from original creditor XXXX, which XXXX is reporting to TransUnion and XXXX. In XXXX 's response to my first letter, they failed to validate this debt. However, in a bold attempt to falsely validate, they in fact did clearly violate my HIPAA rights. I have yet to receive a response from XXXX to my second letter. I mailed certified letters to both TransUnion and XXXX making them aware of these HIPAA violations by XXXX. In my letters, I included copies of XXXX 's response letter to me in full-color copies which show clearly XXXX 's letterhead billing with detailed information of specific services rendered. No HIPAA release was included in any response from XXXX, TransUnion, or XXXX after me having requested such. These accounts are still to date being illegally reported on my credit reports causing drastic damage to my credit score, despite having requested validation, and deletion from TransUnion and XXXX on 2 separate occasions. 
1st and 2nd letters to TransUnion and XXXX  were sent certified mail on XX/XX/2021 and XX/XX/2021, with the second letters addressing the HIPAA violations and requesting immediate deletion.

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 2021-08-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: CA

Complaint narrative:
I started an application for a Reverse Mortgage with Reverse Mortgage Funding LLC, XXXX, NC XXXX in XX/XX/2021. The process went smoothly until it went to the underwriters. Title company asked for many unimportant documents which I did send. On XX/XX/2021 I did get a phone call from Mr. XXXX stating that their lawyer has indicated the loan should go forward. However, it did not. I sent RMF a letter on XX/XX/2021 to Mr. XXXX XXXX requesting an approval or denial in seven ( 7 ) days for my reverse mortgage loan. I have not received a response. 
To date I am unaware of the status of my reverse mortgage loan.

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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and I have tried to correct to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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

Complaint narrative:
On XX/XX/21, I received confirmation from US Bankruptcy Court XXXX District of PA that they DO NOT provide any type of information to credit reporting agencies. 

On XX/XX/21, I received confirmation from XXXX XXXX that a security freeze has been placed on my file per my request as I was recently a victim of identity theft. 

On XX/XX/21, I received results of dispute with Equifax in which they stated their investigation confirming a bankruptcy filing was reported to them by XXXX XXXX. I then sent a request disputing those results as inaccurate. 

On XX/XX/21, I received results of dispute with Equifax again in which they stated their investigation confirming a bankruptcy filing was reported to them by XXXX XXXX. 

I am requesting this item be deleted from my credit file with Equifax as they have violated the FCRA in falsely reporting information. 

See attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Bliksum, LLC
State: CA

Complaint narrative:
I was called out of the blue by a debt management company that came in possession of a loan that was pulled under my name. I thought it was a scam when they asked me to pay XXXX dollars to them to keep them from sueing. Now someone gave me papers saying I'm being sued for not paying off a loan i didn't pull.

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

Complaint narrative:
I've been disputing inaccurate accounts with Experian for the past 6 months via USPS Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... These specific accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, is recorded in negligence and needs to be removed. I've been disputing this XXXX XXXX account for 6 months now each bureau has a different record date of last activity XXXX  Date of Last Activity reports XX/XX/XXXX, Experian date of last activity reports XX/XX/XXXX, and XXXX  XX/XX/XXXX, XXXX XXXX account is a re- aged account and still reports a payment pattern to XX/XX/XXXX which leaves Experian , in violation thereof ... ..Experian records both XXXX XXXX accounts inaccurate, I've been disputing these XXXX XXXX accounts for 6 months now with Experian, these accounts Re-Aged when this collection agency opened this account, this account duplicate account XXXX  reported by XXXX  reports its Date ofLast Activity XX/XX/XXXX on one account and and XX/XX/XXXX on the other account. This is inaccurate reporting. Experian remains in non-compliance. Both XXXX XXXX accounts needs to be deleted from my credit file. Moreover this account public information still records erroneously and needs to be removed.

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 2021-08-10 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: MT

Complaint narrative:
I hired a moving company that never provided the service for my move and i was still charged. 
This company never provided the required services for my move. When I called about the move, they stopped responding. This moving company never provided the services required under the contract for my move in early XX/XX/2020. They charged me a deposit ( {$920.00} ). I called the XXXX XXXX XXXX XXXX at least ten times over three weeks. No response email or phone. When I was forced to cancel the move and hire another moving team, I reached out and asked for a full refund. The customer service general email and sales manager stopped responding to my emails. 
I tired to dispute the charges with Chase Bank once I realized i was charged. I disputed this with Chase Bank for over a year after hiring a lawyer to summon the said moving company, and come to find out that this moving company was a fraud and closed down it's business. When I asked Chase to reopen this claim with proof from my lawyer that this business was closed down to several fraudulent acts toward several people, Chase Bank would not review or discuss or refund me the monies. I sent Chase Bank the summons and civil actions paperwork as well as the receipts and complaints. They still refused to look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
XXXX XXXX XXXX : Retail Store Card for activity duty and retired service members and there family. I Got behind on my XXXX XXXX and was unable to catch up my payments when I started working for XXXX  XXXX XXXX XXXX  XXXX  contacted my job and started taking money from my pay a different amount each time depending on what I make every two weeks I contacted this collection agency and try to set up a payment plan and they would not work with me they wanted all are nothing. I tried reaching out to them again to settle the debit with the original amount of the credit card which was XXXX I told them I could settle the debit in two schedule bank drafts payment and was willing to give them my bank information and two dates that were within 30 days to draft the payments. The collection agency told me to call back when I have all of the XXXX to pay on the same day. The collection company is charging me high interest fees and collection fees every month only about 1/3 of the monies they are taking from my pay is going towards paying off the debit. The original credit amount was XXXX and now with all the interest and collection fees I owe over XXXX dollars so far the collection agency has garish XXXX from my paychecks and not even half has been put towards the debit just paying collection fees and interest the debit is steady going up and not down.

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

Complaint narrative:
I have sent in countless letters to Experian and XXXX  consumer reporting agencies regarding the XXXX XXXX account on my report. I have served XXXX XXXX with a Cease and Desist Notice. The XXXX XXXX account should not be on my Consumer report. I haven't given any company or person permission to furnish XXXX XXXX on my Consumer report. Both Experian and XXXX  should delete the account immediately before I take legal action against both Consumer reporting agencies according to the 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 explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I have contact XXXX Loan company here in XXXX Texas. I told them that I had my identity stolen and someone opened an account in my name. I submitted a report with the police station and contacted the company. At this point I told them that I would just pay it to get it gone from my credit report. Each month they add on {$5.00} and the account is closed and in collections. It is ruining my credit and it's not even mine. My responses were just so that I can get to this page to give explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and I have tried to correct to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.

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 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX I proceeded to send a letter requesting the verification of a credit card debt that Resurgent Capital bought, the credit card was paid, however, Resurgent Capital is reporting that I still owe a balance. By XX/XX/XXXX the company responded sending a simple bill without any signatures from my end, so I proceeded to send a follow-up letter requesting an actual verification of the debt. By XX/XX/XXXX the company sends a letter stating that I was sending duplicative correspondence and that they would not respond to my letters without additional information. On that same day ( XX/XX/XXXX ), I sent a letter that stated that the company was in Violation and that I was requesting an actual Verification of the debt. By XX/XX/XXXX the company decided to send me the exact same letter saying that they would not respond to my letters, once again I asked them for verification of the debt, but on XX/XX/XXXX they sent me the exact same letter without any verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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:
I have sent in countless letters to XXXX  and TransUnion consumer reporting agencies regarding the XXXX XXXX account on my report. I have served XXXX XXXX with a Cease and Desist Notice. The XXXX XXXX account should not be on my Consumer report. I haven't given any company or person permission to furnish XXXX XXXX on my Consumer report. Both XXXX  and TransUnion should delete the account immediately before I take legal action against both Consumer reporting agencies according to the 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 explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ever since I opened my Edd acct the Edd has deposited over XXXX. On my acct but Bank of America is not giving me my money they keep filling claims that its been over 8 months and I have not been payed on them! Also my recent deposits are now been deducted even when my card has been canceled and Im waiting to receive it yet transactions are still taking place

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

Complaint narrative:
I've been disputing inaccurate accounts with Equifax the past 6 months via USPS Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... These specific accounts XXXX XXXX, XXXX, XXXX, XXXX, is recorded in negligence and needs to be removed. I've been disputing this XXXX  account 6 months now with Equifax and it still reports an inaccurate Open account status, an inaccurate open account rating, an inaccurate Late 120 days payment status, an inaccurate past due amount. Equifax remains in non-compliance.This XXXX  account needs to be deleted from my credit file ... ... I've been disputing this XXXX XXXX account for 6 months now each bureau has a different record date of last activity XXXX  Date of Last Activity reports XX/XX/XXXX, XXXX  date of last activity reports XX/XX/XXXX, and Equifax XX/XX/XXXX , XXXX XXXX still reports a payment pattern to XX/XX/XXXX which leaves Equifax in violation thereof ... .Equifax records both XXXX accounts inaccurate, I've been disputing these XXXX  accounts for 6 months now with Equifax, and it still reports an inaccurate Open account status, an inaccurate open account rating, an inaccurate Late 120 days payment status, an inaccurate past due amount. Equifax remains in non-compliance. Both XXXX  accounts needs to be deleted from my credit file. Moreover this account public information still records erroneously and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX card did a hard inquiry in my credit without my permission when I called to get my credit limit. Hard inquiries stay in your credit for at least two years. I tried to dispute this unlawful issue through Experian which deters you from disputing hard inquiries by making them practically impossible to report. After waiting on the phone, i was told by Experian employee XXXX ( no other info given ) that only inquiries as a result. of identity theft can be disputed so obviously Experian credit agency is in league with the bank against the consumer. They can not allow banks to report hard inquiries without customer permission. The CFPB is a toothless agency that will pretend to side with the consumer to continue on the federal-virtue-signaling-politically correct dole at tax payers expense

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 2021-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed out of {$12000.00} from a man/company that promised me {$50000.00} after an initial {$3000.00} fee that I needed to pay. I was told it was a US Customs fee. I was informed by them that because I took long, that fee was up to {$12000.00}. I wired the money through Chase Bank to a Chase Bank account. I wired money in increments and wired the last {$5000.00} on XX/XX/21. I realized it was a scam today ( XX/XX/21 ) and contacted the bank immediately to report the scam. They informed me that they were not able to return me the money because it was removed from the account. They did not assist me any further.

Company response to consumer: Closed with explanation