vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent a number of dispute letters with documentation to all three credit bureaus. Asking to remove the unauthorized inquires my first set of letters went out XX/XX/XXXX second set XX/XX/XXXX each set was tracked as received and confirmed by the credit bureaus however nothing has been done. Please see the following credit inquiries below to be removed CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and found out I've been a victim of identity theft & I'm in the process of buying a home for my family. I feel terrible that i've fallen a victim of identity theft. This situation has negatively impacted me. I respectfully request that you promptly delete these fraudulent accounts from my credit report. Please see attached.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The reason for filing this complain against Transunion credit bureau is because I could not get access to my account to view my credit report. I forgot my username and password for Transunion. I have sent them letter and copies of my SSC, ID and my utility bill via Certified Mail and the receipt # is XXXX on XX/XX/2023, to clarify that I am the person. But I did not get any response from Transunion, so i called them and talked to the customer service and they could not resolve the problem, so they told me that their supervisor will call me in 72hour. but I did not get any call from them. I am in a hurry to get access to my credit file because I want to put fraud alert on my credit file. 
I am a victim of Identity theft ; I have filed two complains with FTC regarding two different credit cards on my name without my knowledge. The FTC report # is 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 non-monetary relief
Consumer complaint received 2023-04-08 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: CA

Complaint narrative:
The Fair Credit Reporting Act states that it is EQUIFAX 's grave duty and responsibility to report correct and accurate information on my credit report and file. However, they are NOT doing so. EQUIFAX is reporting inaccurate late payments for the XXXX XXXX XXXX  XXXX account ending in XXXX. These inaccurate late payment include XXXX days past due on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to XXXX U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give EQUIFAX written instructionXXXX permission to furnish the late payments on my credit report or file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXXate payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 2023-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I took out a personal loan with Lendmark Financial in XXXX for {$2000.00}. I made multiple payments of {$130.00} for a few months until I lost my job due to the company closing. When I signed my loan papers, I was told that if I lost my job, the loan was insured and would be paid off in case of job loss or death. I notified Lendmark of such and heard nothing there after. In XX/XX/XXXX, I filed XXXX  XXXX bankruptcy. Lendmark Financial was included in my bankruptcy because they were still being reported on my credit report at the time. During my bankruptcy, XXXX XXXX  XXXX continued to pursue action against me in the District Court XXXX XXXX XXXX XXXX, Maryland, around the same date and time as my first " meeting of the creditors '' in bankruptcy court. Even though they were well notified of my bankruptcy filing, this debt collector still pursued action against me in the District Court in XXXX of XXXX. They never showed to any meeting of the creditors nor made any filings in contestation of my bankruptcy. My bankruptcy was dismissed on XX/XX/XXXX of this year. About a week later XXXXXXXX XXXX XXXXXXXX filed a motion to lift stay in the district court. After receiving the one page document of the motion to lift stay, I contacted XXXX XXXX  XXXX about the debt. I was emailed a letter stating that the amount owed is {$3800.00} with a breakdown of how the debt was calculated. Which did not adequately identify the amounts of the alleged debt owed or the accrued interest which is in violation of the Fair Debt Collections Practices Act. At the time of my bankruptcy, there was a class action lawsuit for the exact same actions by XXXX XXXX  XXXX of unfair debt collection practices ( Case No. 1:12-cv-00163-CCB ). XXXX XXXX  XXXX has a history of violating the Fair Debt Collection Practices Act. Which they are still violating today. As of XX/XX/XXXX, XXXX XXXX  XXXX filed a motion for renewal in the district court on a debt that is past the statute of limitations. When they filed this action, they NEVER sent me any notice or copy of the motion they filed giving me a chance to respond or contest as a pro se litigant or to retain adequate counsel to represent me in this action. Further violating my rights as a US citizen and resident of the state of Maryland in XXXX XXXX XXXX and the fair debt collection practices act. As well as causing undue hardship, harm and damage to my credit unfairly on a debt that is past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
In XXXX I reported a dispute with CFPB complaint ID XXXX in regards to XXXX reporting that my mortgage account was closed. Within 48 hours of the complaint my credit score went up but XXXX still had it as closed. Today XX/XX/XXXX I checked my credit score an saw that it changed. I investigated an found that XXXX had the account removed from my credit.XXXX XXXX an XXXX never had it as closed or removed. I contacted XXXX an they said that Nationstar ( my LSP ) had told them that it was deleted. Keep in mind that my wife is also on the account an has not been effected at all. Im at my wits end with this company. According to XXXX they remove closed accounts after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Midland credit and XXXX XXXX.which is the same account. Are trying to charge me for account that is not mine. I've told them called. Disputed them multiple times. And they still say it's my account. Impossible. Me myself don't believe in nor ever had an open credit.card.and the one I did have was shut down cause I never used it.i pay cash for everything. No bank accts.no savings. None of that.these companies. Refuse to work. This.out just keep saying I owe. And I dont.midland credit. Called my phone.it seemed liked 10 times a day.ive blocked them.but yet they still harass me from other # .I 'm tired of this.they have got the wrong person.common since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 2023-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Acct closed date : XX/XX/XXXX Written off in filed for payoff on taxes tax year XXXX. Company has confirmed this debt has been paid in written off. Numerous attempts to remove negative impact in nothing has been done.

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 2023-04-08 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: FL

Complaint narrative:
Acct closed date : XX/XX/XXXX Written off in filed for payoff on taxes tax year XXXX. Company has confirmed this debt has been paid in written off. Numerous attempts to remove negative impact in nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: FL

Complaint narrative:
Acct closed date : XX/XX/XXXX Written off in filed for payoff on taxes tax year XXXX. Company has confirmed this debt has been paid in written off. Numerous attempts to remove negative impact in nothing has been done.

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 2023-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The FCRA states that it is TRANSUNION 's duty to report correct and accurate information on my credit report and file. However, they are NOT. TRANSUNION is reporting inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. These inaccurate late payments include 120 days past due on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, according to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payment results in TRANSUNION violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give TRANSUNION written instruction/ permission to furnish the inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is very clear that TRANSUNION has violated my consumer rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.

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 2023-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
I received a notification from my credit monitoring service that a debt appeared on my credit report on XX/XX/ from XXXX XXXX XXXX for {$2000.00}. I have never delt with this company or have this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My name is XXXX XXXX. A former chase member. In the month of XX/XX/2023. I deposit {$1900.00} ... .chase held the funds for two weeks. It cleared.

Unannounced to me chase closed my account for no valid reason, they advised me I'd be receiving my check which I never have. It's been months I would like my funds release and issue in a expedited manner. If possible, Ive been calling almost daily and iam still getting the usual. He said she said run around. 

I need these funds to pay my rent or else I will be evicted. In about a week... .I am extremely disappointed in the way I've been treated by chase. Especially over an {$1900.00} check/ money order this is ridiculous and I can't understand why it's so difficult to get what is rightfully mine people work hard for their money and not being able to access it is definitely an inconvenience. 

Also called chase they lied and said the money orders they can't confirmed like what how does that make sense. I called XXXX XXXX they said the money orders are valid and has been cashed I told them chase won't release my funds they said if I don't have nothing in writing from chase saying the money orders are not valid is nothing they can do And they lie just too get you off the phone Everytime I call chase I get a new excuse or answer why I can't get my funds. Chase bank think iam stupid or something I know my funds are held in an account where they gain interest or trading using my money idc the amount I know they've probably made a nice chunk of money off me. I'll be surprised if chase bank doesn't get bailed out by the feds AGAIN because they are greedy, sneaky, and conniving I've verified my identity over 100 times, the branch manager even called them to confirm that I was in branch to verify my identity. They're saying they can't send my check because my address changed in the beginning. Mind you chase sent my new debit card and account closure check to my address on file nothing has changed. The chase reps do not care some out sourced XXXX customer service reps are very rude and blatantly nasty they don't care to help steadily repeating the same thing over and over again like a robot with no real solution. At this point I will no be calling chase anymore. I've emailed the CEO of chase as well ( XXXX ). iam not playing with my funds idc how much it is. The bank will send you in overdraft fees for their money. I think I deserve overdraft fees from them for almost 5 month inconvenience. At this point If I don't receive my funds I will be suing chase believe that! 

I've called chase over 100 times and still no one has rectified the situation. Even the chase branch manager call in to fix the problem still nothing no check was ever sent to me. If you can assist me in this manner I'd greatly and appreciate it. Thankyou for your time and help. 

Card number : XXXX XXXX XXXX XXXX ( closed )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXXate payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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