vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 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: IN

Complaint narrative:
On XX/XX/2022 I sent Equifax  A letter asking for their method of verification for a bankruptcy reporting my report. I ask for all supporting documents From the Furnishers verifying this information from their investigation and The name of the courthouse and the name of the person from courthouse to verify this information. They didnt send me this information I asked for. I will include the letter they sent me back. Please help me get this information from EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account COMENITY BANK/VCTRSSEC, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I was contacted by NCC who is saying I owe XXXX ( never heard of them until now ) {$1.00} and therefore I have to pay {$100.00}. 

I don't owe this company any money. It looks like a scam and I already told them I don't owe any money. They have no proof I owe this company any money. And obviously if I owed a company {$1.00} I could afford to pay it. 

I am afraid this will hurt my credit score though. 

Can you please ensure this false allegation isn't listed on 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
Consumer complaint received 2022-09-12 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: OH

Complaint narrative:
I have two private student loans that have been settled in full with XXXX who continue to inaccurately report their balance and status. I had two XXXX private loans go to one of their own collection agencies, XXXX XXXX XXXX. I settled this debt in full for both accounts. XXXX still reports one account as open, both as still having a balance, and also have reported new late payments after the account was already settled in full. 

Both accounts were settled on XX/XX/2022. 

Both accounts settled in full with lender/collection agency letter verifying accounts settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: OH

Complaint narrative:
I have two private student loans that have been settled in full with XXXX who continue to inaccurately report their balance and status. I had two XXXX private loans go to one of their own collection agencies, XXXX XXXX XXXX. I settled this debt in full for both accounts. XXXX still reports one account as open, both as still having a balance, and also have reported new late payments after the account was already settled in full. 

Both accounts were settled on XX/XX/2022. 

Both accounts settled in full with lender/collection agency letter verifying accounts settled in full.

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 2022-09-12 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: LA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2021 XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 11. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 12. The followng information is incorect XXXX XXXX XXXX Account Number : XXXX Delete this account. 13. The followng information is incorect XXXX Account Number : XXXX Delete this account. 
14. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2022 I received an email from a company named XXXX. This is a company i use to protect our computer from viruses. The email stated that they had withdrawn $ XXXX from my account. I immediately called this company and they told me they will refund me my money and all i had to do was walk over to my computer and log and go on my bank account and they will transfer me the money immediately. I believed them because when I went to my computer they were on there and i assumed no one else would know how to hack my computer. As i trusted this process the lady was directing me to input XXXX and suddenly the screen went blank and the representative came back on the phone and was explaining how i pressed something by mistake and now I had {$20000.00} of their money in my account. The lady kept insisting I had to return her her money. At this time they had full access to my bank account and they transferred money from my savings account to my checking account to make it appear that those {$20000.00} that was in the checking account was a mistake i made and now their money was in my account when in reality it was my own money they had transferred. They also had access to private notes i have on my XXXX spreadsheet including log in information and passwords. They transferred themselves from an online chase banking services {$14000.00}. When I realized this had happened i ran to the bank no more than 10 minutes after i noticed and the teller at the bank was closing and told me that she couldn't help me and to call the mortgage center online and to send them an email. I immediately did both. The bank teller told me they shouldn't approve it if i had never done a wire transfer before & they will have to call me first to make sure I had authorized this wire. I have never wired any money from this account in the past 12 years that i bank with Chase. When i called no one was available at the fraud department and i sent 3 emails and i didn't get a response until the XXXX. By then the wire had gone through and the money had been withdrawn immediately. I was then told by chase bank that they had no money to return to me because the wire had gone through and the money was not available anymore. I found out that during this time Chase had cut down on workers and changed the fraud department hours and that is why noon was available immediately to cancel that wired. I have written several letters to Chase, I have gone in a branch here in New Jersey, I went to another branch in California and i have called numerous times and at first i wouldn't get an answer and then finally they told me they had denied my cliam. I asked them to send me the letter of denial and they wouldn't send it. I went into a branch that finally had the letter printed for me and recommend you to me. Please help me with this fraudulent activity on my account. This is money i had saved to help my son with college.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX I sent a XXXX  payment of {$470.00} to a landlord for half of the deposit for an apartment. Later to find out that the landlord was a scam. I have pictures and Receipts of the company they claimed were part of the apartment company stating that I had to pay a deposit after being approved and seeing the apartment in person. When I told them I needed more proof and to speak to the landlord before I sent the other half of the deposit, they deleted the link they sent me to apply and blocked my number.

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 2022-09-12 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: LA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX 6. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The followng information is incorect XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The followng information is incorect XXXX  Account Number : XXXX Delete this account. 
XXXX. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA 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 2022-09-13 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: CA

Complaint narrative:
This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

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 2022-09-13 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 is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC.
State: AK

Complaint narrative:
During the Covid-19 pandemic my mortgage was put on forbearance. Once the forbearance was about to end I contacted Guaranteed Rate, my mortgage company at the time, to find out what my options are because XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they informed me that I can talk to their Loss Mitigation department. They transferred me to them and the person had me fill out a Loss Mitigation for a Loan Modification. On XX/XX/XXXX I submitted the application with all the documents and a letter that they had asked for. They wanted me to send all my banking statement, XXXX XXXX XXXX XXXX my 401k statement, and I also included a VA Loss Mitigation application that I had filled out and submitted a year before on XX/XX/XXXX and never heard back from. On Monday XX/XX/XXXX I called the Loss Mitigation department to verify that Guaranteed Rate received my application and all the documents that they asked for and they said they did and they will get it processed. They informed me that it would it would take 2 to 4 weeks to process. I called back 3 weeks later and they informed me that it still had not been processed due to high volume of applications they said to check back in 2 weeks. I would check back every 2 to 3 weeks to see if it has been processed and they kept telling me it has not yet. I then asked if I could talk to a manager and the person told me that they will send a message to their manager and they will contact you and I never heard from their manager. My application was never processed and the amount of debt I owed kept building. It started out at around {$12000.00} and is now at {$79000.00} and Guaranteed Rate sold my mortgage loan to a new company name XXXX. I have now applied for a Loan Modification with XXXX so we shall see what happens. But, I'm not happy with Guaranteed Rate because I kept calling them to find out if my application was processed while they kept charging me late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: NY

Complaint narrative:
Re : Identity Theft Notification 1.Identity Theft. 
XXXX  Account XXXX To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

I am a victim of identity theft and have sent a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity ( in XXXX and XXXX ) and in addition, XXXXXXXX XXXX  mailed me an identity theft form which I filled out and mail back to them, plus proof of my current address. 

I also sent a copy of the identity theft report to along with my statement to XXXX 's all the credit reporting agencies- XXXX XXXX XXXX have deleted this account from my report but Equifax  has continued to ignore my request and this fraudulent is still reporting on my Equifax  report. 

Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please update or correct this account. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 1 XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: HI

Complaint narrative:
I have no idea why I can't get a PREPAID account? I don't owe anything and if they say I do, it's not accurate.

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