vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-02 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: KY

Complaint narrative:
I have disputed these reporting errors multiple times and the items are " verified ''. I've requested account information from XXXX XXXX XXXX, and they ignore my requests and Equifax turns around and " verifies '' this information. How?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: AL

Complaint narrative:
I submitted a dispute letter to TransUnion and I asked them to verify the bankruptcy thats on my credit report. I also asked if they can provide supporting documents. They failed to provide me with supporting documents and they did not fixed the problem. They sent me a second letter claiming that I am using a credit repair company. If TransUnion can not show how they verified the bankruptcy on my credit report, I am demanding the I information to be deleted.

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 2023-07-02 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: NC

Complaint narrative:
I have several accounts on my credit report and do not have contracts with them.

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 2023-07-02 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: NC

Complaint narrative:
I have several accounts on my credit report and do not have contracts with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
The company first put a restriction on my account XX/XX/2023 this was after I was issued a huge deposit. I am enclosing the balances I had the last the member services gave me. I did receive email on the restriction at that time on XXXX, XXXX I could only use my credit builder card but could not transfer funds or use the app to check my balances. On XX/XX/2023 between XXXX that day I get notices all accounts were closed. I have submitted all documents requested several times to the review department and support department. This all started on XX/XX/2023 when I was issued a huge deposit for helping a person post her properties and at first she did not pay me and refused helping more until paid. Weeks later when I get the deposit I learn she assumed I could do pay roll. All I am asking is for my money so I can open put it in my new account and send payments to the person so they get their half of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting inaccurate false information to my credit report and will not provide me the validate information to wham or where they got the information that states this information is correct. 

I paid off my XXXX XXXX XXXX on XX/XX/2023, leaving a balance zero owe to the company. I have disputed this balance with Equifax 2 times along with disputing it with CFPB ON XXXX file # XXXX. Both times I provide Equifax copies my credit card statement showing No balance was due and that the account was paid in full. 

I even contact both Equifax and XXXX XXXX by phone and spoke with XXXX XXXX XXXX disputing department that the inaccurate information was being reported wrong on my credit report. I was assured by both Equifax and XXXX XXXX this will be taken care of ASAP. As of XX/XX/2023, I received a updated report from Equifax showing the same balance owed {$470.00} which is inaccurate. 

This has hindered me from applying for credit cards, loans and affecting my overall credit score which Equifax lowered from a XXXX down to a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: MT

Complaint narrative:
This account with XXXX XXXX is an account that was " assigned '' to them in XX/XX/XXXX by XXXX XXXX XXXX. XXXX XXXX XXXX fraudulently opened an account in my name in the middle of XX/XX/XXXX after I had moved across the state XX/XX/XXXX because of domestic assault by my ex. I did have an initial loan with XXXX XXXX XXXX  for a used SUV but I unintentionally defaulted on that loan after I moved. XXXX XXXX XXXXXXXX had repossessed the SUV in the middle of XX/XX/XXXX but spent the next XXXX XXXX years adversely and fraudulently reporting to the credit bureaus not only on the account attached to the repossessed SUV but also on the second account they opened in XX/XX/XXXX AS WELL AS " assigning '' the fraudulent second account to XXXX XXXX who then began reporting negatively and continue to do so to the credit bureaus. After I discovered all of this on my credit reports, I tried multiple times to dispute with the credit bureaus only to have the results stay the same and on my reports. I finally filed complaints regarding XXXX XXXX XXXX as well as XXXX and XXXX XXXX with your company. The second, fraudulent account with XXXX XXXX XXXXXXXX ended up getting deleted from my credit report with XXXX but the account from XXXX XXXX stayed as they " verified '' the account for CFPB and the initial account with XXXX XXXX XXXX  was corrected and now states " Paid '' with a " Balance {$0.00} '' as well as " exceptional payment history. '' Now I'm having the same exact issues with XXXX XXXX and Experian. The account with XXXX XXXX should be null and void and they should not still be reporting a balance of {$5800.00} owing as well as continuing to report on the account each month because the account that was assigned to them has been proven to be a fraud! They no basis on which to attempt to collect any amount of money on an account that technically did not exist! I want this removed from my report before I have to retain a lawyer and sue each and every company involved for preventing me from being able to secure credit and further build my credit worthiness on my good name.

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 2023-07-02 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: IL

Complaint narrative:
Victim of identity theft the credit bureaus are aware.

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 2023-07-02 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 interested in processing disputes on my credit report to delete an remove all inaccurate information submitted with Equifax. please review an remove information filed. this has been hindering my credit report. alot of infomation is not 100 % accurate. this has caused alot of delays an denials pleaser review an remove the information listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was on a dating app and this person talked sweet and suggested investing to help my situation financially being a single mom with a son. He walked me through from my bank account funds through a lot of wire transfers to XXXX, XXXX, Uphold then the funds were transfer to XXXX  XXXX to a fake platform called XXXX Options. I thought I could withdraw my funds anytime but when I asked for withdrawal. I was told to pay this extremely high personal income tax payment upfront before touching any of my funds. I then called XXXX and found out my account does not exist in their system. The scammer is now asking for more money or else my identity will be sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Back on XX/XX/2021 i traveled out of the country to assist my mother who contracted XXXX XXXX and died a months later. After I returned to the US i noticed of a late payment fee from Kohls, I immediately paid it off, and then I questioned Kohls stating that it should be a problem with my automatic payment. A representative from Kohls told me that it should be fixed in 30 days. They came back days later to say that they would not reverse the late fee. Weeks later I realized that I did not have autopay set for this account since I did not use the card for several years and I only have it set for all credit cards that I use routinary and on top the purchase was made while I was out of the country between XX/XX/2021 and XX/XX/2021. I called Kohls again and I told them that I did not make that purchase, and I went into the same routing, they promised to investigate and get back to me in 30 days. I got a letter from them stating that the charge was valid, without any kind of proof on how the validated it. I requested a copy of the investigation and I never get one. I started opening disputes with the credit bureau and they had the same outcome, a letter or electronic confirmation without any proof other than a written letter. I asked the credit bureau how I could get a copy of the actual investigation, what are the proof or documents that support that purchase, and they told me that I had the right to request that from Kohls and to have a copy of every document and investigation they made. I been unsuccessful on getting anything from them from them. I did not made that purchase and they are not acting in good faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
on XXXX XXXX I made an online order with Macys.com for the amount of $ XXXXthe online order was, ( XXXX ) .I never received the order, however Macys inform me I have to pay for an item I didn't receive.I 've tried on several attempts to get this matter solved, however I'm constantly talking to people that aren't from America.This is affecting my cfrerdit score as well.I 've been a Macys customer for over twenty years and a credit card online shopper for over twenty years as well.I refused to pay for items I don't have.I 'm extremely disappointed in Macys customer service and Macys online department.I would like this off of my bill.

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 2023-07-02 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: IL

Complaint narrative:
Victim of identity theft the credit bureaus are aware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 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: IL

Complaint narrative:
Victim of identity theft the credit bureaus are aware.

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 2023-07-02 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 have submitted numerous requests to XXXX, Equifax, and XXXX to remove the Collections account XXXXXXXX XXXX XXXX XXXX for {$4600.00}. I have also contacted the predatory collection company of XXXX XXXX  XXXX to let them know that this is not my account and explained to them why and then never responded. This is not my account and is a fraudulent account. In 2019 my Mail Box was broken into many times and sensitive information was stolen. When XXXX XXXX  XXXX sent me the validation of ownership the information was not mine. The physical address was not mine, the email address was not mine, the phone number is not mine, and the bank account where the money was deposited was not mine. I have attached the paperwork that they sent me that contains information that is not mine. This proves that it is a fraudulent account and needs to be removed from XXXX, Equifax and XXXX Credit Report ASAP as it is stopping me from refinancing my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: CA

Complaint narrative:
I have submitted numerous requests to XXXX, XXXX, and Experian to remove the Collections account XXXX XXXX  XXXX XXXX for {$4600.00}. I have also contacted the predatory collection company of XXXX XXXX  XXXX to let them know that this is not my account and explained to them why and then never responded. This is not my account and is a fraudulent account. In 2019 my Mail Box was broken into many times and sensitive information was stolen. When XXXX XXXX  XXXX sent me the validation of ownership the information was not mine. The physical address was not mine, the email address was not mine, the phone number is not mine, and the bank account where the money was deposited was not mine. I have attached the paperwork that they sent me that contains information that is not mine. This proves that it is a fraudulent account and needs to be removed from XXXX, XXXX and Experian Credit Report ASAP as it is stopping me from refinancing my mortgage.

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX ( Report # XXXX Case # XXXX ) refuse to remove inaccurate information from my credit file such as the wrong name 14 different address 's that does not belong to me. they are also reporting a public record that is inaccurate and can't be verified. I have contacted XXXX and disputed the inaccurate information. XXXX responded with a written letter saying that they verified the information with XXXX and it was accurate, however the name that they are reporting is not my name nor did I reside at the address 's on my consumer file. XXXX XXXX XXXX is not my name XXXX is not the last four digits of my Social Security Number. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information such as the wrong Name, Social Security Number, and! 4 different address 's i never resided at. I have contacted XXXX and filled disputes on the Identity mix up. They responded saying the information was verified and accurate, but it's not the name my parents gave me nor is it my Social Security Number That was assign to me. XXXX XXXX XXXX is not my name and XXXX is nit the last 4 digits of my Social Security Number. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information from my credit report such as Public Records that they refuse to verify. I have disputed the information and they responded in a written letter saying that the information was verified through XXXX and it was accurate. They also have 14 different address 's on my credit file that has nothing to do with me. I filled a dispute letting XXXX know that it was Identity theft that occurred between XXXX I received a written notice saying the information was verified and accurate. They have used their power to report misinformation on my credit file. 

TransUnion ( Report # XXXX ) Refuse to delete inaccurate information on my credit file. They are reporting debts from XXXX XXXX that was verified as inaccurate and removed by XXXX, TransUnion stats that the debts were verified as accurate. They are also reporting a Public Record on my credit file that they refuse to verify, and give me the information they did verify. Transunion has 14 different address 's on my credit file that they claim are verified as accurate, I have never lived at the address 's and sent proof to all Credit Reporting Agencies.

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX ( Report # XXXX Case # XXXX ) refuse to remove inaccurate information from my credit file such as the wrong name 14 different address 's that does not belong to me. they are also reporting a public record that is inaccurate and can't be verified. I have contacted XXXX and disputed the inaccurate information. XXXX responded with a written letter saying that they verified the information with XXXX and it was accurate, however the name that they are reporting is not my name nor did I reside at the address 's on my consumer file. XXXX XXXX XXXX is not my name XXXX is not the last four digits of my Social Security Number. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information such as the wrong Name, Social Security Number, and! 4 different address 's i never resided at. I have contacted XXXX and filled disputes on the Identity mix up. They responded saying the information was verified and accurate, but it's not the name my parents gave me nor is it my Social Security Number That was assign to me. XXXX XXXX XXXX is not my name and XXXX is nit the last 4 digits of my Social Security Number. 

Equifax ( Report # XXXX ) Refuse to delete inaccurate information from my credit report such as Public Records that they refuse to verify. I have disputed the information and they responded in a written letter saying that the information was verified through XXXX and it was accurate. They also have 14 different address 's on my credit file that has nothing to do with me. I filled a dispute letting Equifax know that it was Identity theft that occurred between XXXX I received a written notice saying the information was verified and accurate. They have used their power to report misinformation on my credit file. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information on my credit file. They are reporting debts from XXXX XXXX that was verified as inaccurate and removed by Equifax, XXXX stats that the debts were verified as accurate. They are also reporting a Public Record on my credit file that they refuse to verify, and give me the information they did verify. XXXX has 14 different address 's on my credit file that they claim are verified as accurate, I have never lived at the address 's and sent proof to all Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
In XXXX, I applied for a mortgage from several companies, including rocket mortgage. The Rocket mortgage representative identified themselves as XXXX XXXX, XXXX # XXXX. They said over the phone that I would be able to get a ~6 % interest rate by buying points at a significant discount. I asked to see this laid out in writing. He pressured me to pay {$500.00} over the phone so that I could lock in the rate he was verbally quoting, without putting it in writing. He said that we wouldn't be able to put the discount in writing, and sent me the quote without the discount. 

When my partner asked about what the interest rate would be without paying for points, XXXX did not present that to me, or my partner. Instead, he said that the breakeven point for paying these points would only be a year. When we calculated what the actual breakeven would be, it would have been 4 years. 

He deliberately mislead me to try to get me to buy the points by underestimating the tiem to break even.The also misled me as to what the real cost of the loan was due to his lying about a " discount ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian refuses to provide proof, that contradicts my evidence, as to why an erroneous bankruptcy is being reported by them.

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