vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 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: FL

Complaint narrative:
Regarding : INQUIRY REMOVAL While checking my credit report online with the Credit Reporting Bureau, EXPERIAN, I noticed an unauthorized and fraudulent credit inquiry made by this company : Inquiry : XXXX XXXX XXXXXXXX XX/XX/2023 I tried to call Experian on XX/XX/2023 & spoke to someone in the fraud department named XXXX, who was horribly rude & even hung up on me! 
She could have been kind or helpful or courteous. 

So instead of dealing with EXPERIAN again & their rude customer service agents in the fraud department I decided to call XXXX XXXX XXXXXXXX directly & spoke to XXXX in Massachusetts in their credit card fraud dept. 
This was the same day, XX/XX/2023. 
And in talking to XXXX, because she was so kind and considerate, we discovered this inquiry was in fact fraud/identity theft, as whoever it was that applied for this credit used my name & information, but used an address that I lived at over 5 years ago! 
I did have a card with XXXX XXXX XXXXXXXX but that was maybe 15 years ago, so I wasnt sure if it was fraud or not, at first, but discovering this, now I know it was. 
So XXXX said they would request to EXPERIAN to remove this from my credit profile but that they dont always comply in a timely manner. 
This can all be verified through XXXX XXXX XXXXXXXX with their existing claims dept. 
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 2023-05-02 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: Colony Brands, Inc.
State: IL

Complaint narrative:
I have a collection on my credit report that I reported as fraud in XXXX and yes its still on my credit report from XXXX apartments for {$5000.00}, I have been fighting this for years, I filed a fraud report with the police department, nothing was done, XXXX money is reporting on my credit report numerous times and thats incorrect, kasheble loan is incorrect, midnight velvet fraud -- XX/XX/XXXX, XXXX wards fraud -- XX/XX/XXXX all these accounts should not be on my credit report, they are incorrect and destroying my life, please remove XXXX XXXX from my credit report, Been fighting this since XXXX, these accounts are keeping me from living a normal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I have a collection on my credit report that I reported as fraud in XXXX and yes its still on my credit report from XXXXXXXX XXXX for {$5000.00}, I have been fighting this for years, I filed a fraud report with the police department, nothing was done, XXXXXXXX XXXX is reporting on my credit report numerous times and thats incorrect, XXXX XXXX  is incorrect, XXXX XXXX fraud -- XX/XX/XXXX, XXXXXXXX XXXX  fraud -- XX/XX/XXXX all these accounts should not be on my credit report, they are incorrect and destroying my life, please remove XXXX XXXX from my credit report, Been fighting this since XXXX, these accounts are keeping me from living a normal life.

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 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX while I was home in XXXX NY someone who had intercepted my debit card and researched my mobile carrier info went into a XXXX store in XXXX CT pretending to be me. They requested an E-SIM card transfer from my phone to their phone. XXXX XXXX was the representative helping them and sent out a text message request for me to authorize this transfer. I did not see the message and never replied to it. She authorized the transfer anyways. This exact sequence of events is documented and I have the memos given to me from another XXXX store front. Once this person had my E-SIM card and debit card they were able to find my information in my phone to use my card. They spent thousands at an XXXX XXXX in XXXX XXXX CT, XXXX XXXX XXXX in XXXX XXXX, took out thousands at ATM ( s ), and CBP transferred thousands. I did not receive any fraud text as my E-SIM card was stolen, and chase allowed {$29000.00} to leave my account in hours. I called in to file a claim on all the fraudulent activity, to which Chase declined. First they said due to their being too many claims on one account they denied my refund. Then they said that because they found my card PIN they assume it was me and nothing can be done. I filed a police report the day after the incident and before I could finish explaining what happened the police officer already asked if I had XXXX XXXX XXXX also said there are thousands of cases like this, and that XXXX will not cooperate to find anyone. In an attempt to reopen Chases investigation I faxed in all the memos proving I was XXXX swapped, a copy of the police report, a hand written letter explaining what Im explaining here, and a letter from the detective attesting to what Im saying. They denied that as well. All I would like is for my money to be returned to me at any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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 — Was not notified of investigation status or results
Company: Mr. Cooper Group Inc.

Complaint narrative:
Inquiry - XXXX Dear XXXX, I have received the letter that the Ombudsman 's Office should have received from Champion Mortgage. I am forwarding this letter to you and asking for your help because I feel that I am the victim of a serious tvery. The enclosed letter contains disinformation. I quote verbatim from the letter from Champion Mortgage : " Your reply will be sent no later than XXXX XX/XX/2023 ''. 
To date I have not received a reply from Champion Mortgage!!! 

It is totally incomprehensible to me what happened to the {$77000.00} reverse mortgage? 
Where is this amount that no one has ever used. The {$77000.00} reverse mortgage was transferred to Champion Mortgage. 

I only claim {$77000.00} + interest and damages as I am the daughter and heir of XXXX XXXX. 
My mother 's money was wrongfully taken by Champion Mortgage. 

Today I tried to report the new error to the Ombudsman 's office, but your system did not allow me to do so today. 
On my registered page, the Ombudsman 's office considered my case closed. Am I being ignored or am I persona non grata because I have Hungarian citizenship? 
I find it outrageous that neither my mother ( who became incapacitated due to illness and died in a XXXX home ) nor anyone else took out the reverse mortgage of {$77000.00}. Why was the {$77000.00} reverse mortgage loan transferred to and ( by whom ) Champion Mortgage? 
Please help me! 

Thank you. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CA

Complaint narrative:
This is linked to prior dispute which was then resolved but has resurfaced : CFPB Complaint ID : XXXX I had received {$200.00} statement credit on XX/XX/XXXX as per the letter enclosed ( XXXX, XXXX XXXX XXXX ). 

Separately, I had made a new booking on XX/XX/XXXX with Trip ID : XXXX. 

On XX/XX/XXXX, I cancelled a booking ( Trip ID : XXXX ) and was then charged {$200.00} on XX/XX/XXXX. Upon calling American Express Travel, they noted that the {$200.00} XX/XX/XXXX charge was because a statement credit was given to me on XX/XX/XXXX. I tried to explain to them that the XX/XX/XXXX statement credit for {$200.00} should not be linked to Trip ID : XXXX, rather it was a resolution for CFPB Complaint ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have made several calls, written several letters and sent this same affidavit to Equifax and they refuse to respond. I continue to tell them that I am a victim of identity theft and have told them that they are violating my rights by having the information on my report. Can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I request that the late payment be removed from my account as I have consistently made on-time payments for this account. It is unacceptable to see this inaccurate information on my account. I have provided the necessary documents for your review.

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 2023-05-02 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2022 I sent Barclays two {$1000.00} money orders to pay off my card. These transactions are both posted in my account. On XX/XX/2022 Barclays posted a {$1000.00} charge on my card. I noticed this charge 2 weeks later and called customer service. After an hour and a half I hung up as they insisted this was a convenience check I had cashed ( I have never used these checks in my life ). 2 months later after a 2 hour call they finally acknowledged that it was an automatic charge because the system thought my two money orders were a duplicate payment. The told me I would receive a check in the mail for the {$1000.00}. In XXXX I called them again - another 2 hours - to tell them I have never received a check and I requested the charge be removed. They told me they would cancel that check and send me a new one. I was very unhappy about this solution. I waited 4 months until the end of XXXX and just phoned them again on XX/XX/XXXX. During this call I was initially told that I had cashed the check they sent me and I definitely had not gotten a check. After a half hour they acknowledged I never received a check and that they would cancel they one they already sent and issue a new check. I asked customer service to outline this case to me so I could write everything down. They told me our second interaction in XXXX involved fraud ( it did not ) and I asked them to detail to me what this meant. Then customer service person hung up on me. I pay my card off every month ( and have for 30 years ), and this XXXX has been sitting on my card for 7 months accruing about XXXX $ + interest. The company refuses to remove the charge OR the interest. I hope you can help, I am at my wits end. Im a XXXX XXXX XXXX with a great credit score that Ive spent 30 years building.

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 2023-05-02 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:
This account does not belong to me, and I did not authorize anyone to use my account. Please remove this inaccurate account from my credit report. I have attached the necessary documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have made several calls, written several letters and sent this same affidavit to Transunion and they refuse to respond. I continue to tell them that I am a victim of identity theft and have told them that they are violating my rights by having the information on my report. Can someone help me?

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 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover continues to try reach to reach me through my employer 's number. The first time I sent an email notifying them that I am not allowed personal calls at work and that they can not contact me at work. They have continued to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FC HoldCo LLC
State: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or had reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or had reasonable cause to believe the information is inaccurate

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 2023-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I have always made timely payments on this account and it is causing me great anxiety to see an inaccurate late payment on my account. I never miss paying this account and it is unacceptable to see this mistake. Please update my account as soon as possible and remove the inaccurate late payment so that I can rest easy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I wasn't able to comprehend why this happened on my credit report. I want you guys to help me to remove these late payment remarks that this company has listed here in my credit report.

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