vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

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 2020-12-10 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/20 I attempted 3x to temporarily unfreeze my credit using the online form provided. At the end of the data submission, the progress wheel continued spinning until the website timed out without processing the request each time. 

I then called Experian at XXXX and followed the voice prompts to confirm my identity and inform my intent to temporarily unfreeze my credit. At the end of the process, the recording informed me I would need to write to Experian, provide numerous documents establishing proof of identity, and my request would be honored within 3 business days. The recording reiterated my request would not be considered unless I wrote and provided the requested documentation.

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 2020-12-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX I was informed my information had been compromised due to a large security breach of a credit monitoring company. It was recommended by the company that I freeze my credit for safety, which I did. Fast forward to XXXX, I am trying to temporarily unfreeze my credit to purchase a home. Two of the three major credit companies have let me temporarily unfreeze my credit to support the mortgage process, Experian will not. The information Experian has in my account has not been updated since XXXX. Since that time I have moved and gotten married. As a result, the website could not verify who I am, even though I am giving them correct information, but their systems has me stuck in XXXX. My account has been locked and the only solution they provide is to send hard copy of sensitive information to a PO box in another state. I followed their steps to try and clear-up the issue, and now it has been 30 days, and still no response or resolution. My mailed information was delivered to Experian on XX/XX/XXXX. It is XX/XX/XXXX, and they have still not contacted me or unfrozen my account. Experian has hijacked my credit and my account. Their lack of action is impacting my ability to get a mortgage and may impact me buying a home. I am very upset with Experian. Their lack of updated information and their lack of communication is causing me and my family lots of anxiety and stress, in an already very stressful time. I don't know how to move forward, I have followed Experian 's steps and gotten to a dead end.

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 2020-12-10 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:
see Equifax attachment please remove it FTC or HIPPS, FCRA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Managers, Inc.
State: WA

Complaint narrative:
GRIMM COLLECTIONS. 
I have a balance or {$800.00} on my credit report from a debt unknown. When speaking to female agent at GRIMM collections she was very unprofessional and rude. She would not explain what the debt was beyond " a XXXX bill '' I had asked her to provide me with a signed invoice stating I had any knowledge of a vet bill and she is unable to do so. I do not know why I am being charged from a veterinary office because I have not had any services done to my pets at Summit. I need help investigating as the lady working at GRIMM COLLECTIONS has hung up on me and treated me very poorly when I try to talk to her about this. She laughs at my frustration and mocks me when I have tried to explain that I do not know anything about this balance and she refuses to help me investigate it and has told me " I will not look into it and this debt will not be removed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX XXXXXXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX and WELLS FARGO DEALER SVCS add a hard inquiries on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-10 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX add a hard inquiries on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
We have had issues with an XXXX order totaling {$1300.00} that was charged to my American Express card. I initially filed a dispute with Amex which has gone back and forth since XXXX ( item is broken ) with American Express. After spending hours on the phone with XXXX XXXX merchant ), and Amex, XXXX agreed the credit card dispute process was getting confusing on their end. XXXX sent me an e-mail refund receipt confirming I will receive a full refund ( e-mail attached ) to my American Express credit card. This refund never processed through. I contacted American Express customer service and was told that they understand the issue and that it will be resolved and closing out the dispute was the best course of action while escalating the issue to their " back end team '' as I have a refund receipt but no refund. I have documented copious amounts of information with Amex and have a refund receipt from XXXX but this credit card company is not providing me with the layer of consumer protection they advertise. I have spent nearly XXXX this year alone on this credit card and am shocked at the fact that Amex is not holding up to their own credit card agreement on refunds, disputes etc. especially given that I have an e-mail citing a refund which was never issued to my credit card. Since XXXX I have had XXXX charges totaling {$1300.00} and XXXX credits of {$1300.00}. I should be at net zero and am not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10 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: VA

Complaint narrative:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I don't recognize this account. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so.

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 2020-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Sometime around XXXX, I called XXXX to inquire about help on payments regarding change/loss of jobs due to COVID-19 and/or what I should do if I can no longer afford the payments. I was able to defer payments with no late fee or any delinquent payments for up to 10days- I was informed that after the 10days was up they will no longer be able to prevent the deferment from affecting my credit and that I would need to pay {$590.00} by XX/XX/XXXX to ensure I am not considered " late '' on payments.

XX/XX/XXXX- I spoke with XXXX from Chase ( bank in charge of the lease ) regarding further options and was told that my lease agreement is set and I will be unable to negotiate a lower payment plan or change the lease agreement in any way during the duration of the lease contract. My only other option is a voluntary repossession which will in turn negatively impact my credit score and my ability to find a place to live. 

I am a XXXX XXXX  who works part-time at a XXXX job who came to the XXXX XXXX  to only look at my potential options and what is a feasible option for a XXXXyr old living on her own and paying rent at the time. I now realize ( after speaking with older adults who have car buying experience ) how extremely reckless it was to get into a lease agreement such as this with no prior knowledge of how buying/leasing a car works, let alone my income should have been a red flag as to my lack of funds to pay for a car as expensive as this one, and tacking on negative equity which I also felt was not explained to me and I had no knowledge on when agreeing to this lease. The dealership should take responsibility and know well enough that a girl my age, in college, with a part-time job most certainly CAN NOT afford a XXXX car with this ridiculous monthly bill on top of my $ XXXXmonth rent which left me with no choice but to end my housing lease and not resign and live at a friends house or else I would be essentially homeless. I put a XXXX down payment yet my monthly bill is {$590.00}. I am jeopardizing my education to work as much as I can to pay this bill that I should not have been coaxed into getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Williams & Fudge, Inc
State: WA

Complaint narrative:
I have received harassing phone calls from XXXX XXXX XXXX XXXX numbers for some time. The numbers are : XXXX XXXX XXXX XXXX XXXX on XX/XX/20 ( three missed calls ), XXXX XXXX XXXX XXXX XXXX ( one missed call XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/20 ( two missed calls ), as well as calls with similar frequency further back that are attached in the screenshots provided. 

Today, I finally received a voicemail from XXXX XXXX XXXX XXXX XXXX that stated " We have an important message from Williams and Fudge, Incorporated. This call is from a debt collector. Please call XXXX XXXX at XXXX. Thank you. '' Upon searching for the number to call back, the number was not associated with Williams and Fudge directly and has several scam reports. They are typically associated with student loans and with my federal student loans my account is current, so this is obviously a scam call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 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: TX

Complaint narrative:
I filed a Chapter XXXX bankruptcy petition in XXXX 2013. Per federal laws, the public record can only remain on the credit report for 7 years from the filing date of the petition. I have disputed the public record to no avail. I then tried disputing via telephone and the agent argued and would not accept my dispute request because she said they would not remove it. I have now been affected adversely in many regards and the public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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 filed a Chapter XXXX bankruptcy petition in XXXX 2013. Per federal laws, the public record can only remain on the credit report for 7 years from the filing date of the petition. I have disputed the public record to no avail. I then tried disputing via telephone and the agent argued and would not accept my dispute request because she said they would not remove it. I have now been affected adversely in many regards and the public record.

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 2020-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/20 I bought a new car from XXXX XXXX XXXX in XXXX NC. I financed the car with TD Auto Finance, XXXX. XXXX XXXX would not except a Credit Union letter I had for purchase stating that I and the Credit Union was out of state. On XX/XX/20 I refinanced the car with my local Credit Union " XXXX XXXX XXXX ''. On XX/XX/20 the Virgnia DMV mailed the title to TD Auto Finance, LLC. On XX/XX/20 TD told me that the title had been released to XXXX on XX/XX/20. On XX/XX/20 TD told me the title had been mailed to XXXX on XX/XX/20. On XX/XX/20 TD told me that they had never received the title from the Virginia DMV. XXXX XXXX XXXX paid off the loan to TD but TD apparently refuses to release the title. I am told something different every time I communicate with TD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 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: MD

Complaint narrative:
Experian is reporting an inaccurate Bankruptcy on my credit report i have asked on numerous occasions to fix the problem and they keep coming back as verified and correct with XXXX i have attached a copy of my XXXX which doesn't show a bankruptcy being reported and unauthorized credit inquires 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