vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 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:
On XX/XX/XXXX I sent my final letter to Experian letting them know that there has not been a physical response nor investigation done on the multiple dispute letters that were being sent regarding various accounts on my credit report. Letters were sent XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is ridiculous and unfair that you can not get any cooperation regarding negative and inaccurate accounts on my credit report. Such as XXXX XXXX XXXX showing a past due {$5400.00} This account was paid off by insurance company and covered by XXXX XXXX also due to being loss in hurricane. XXXX XXXX XXXX  a collection showing {$750.00} past due. To my understanding my information can't be given to unauthorized third parties. XXXX XXXX  XXXX is reporting inaccurate date of last activity and {$1600.00} past due that I do not owe. XXXX XXXX collection showing {$680.00} and inaccurate date of last activity. XXXX XXXX show {$570.00} past due. It's to my understanding that a collection can't report a past due amount! Correct me if I'm wrong!

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 2022-02-01 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: CA

Complaint narrative:
I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXontacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX {$3500.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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:
EXPERIAN, XXXX AND XXXX ARE IN VIOLATION WITH 15 U.S.CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZTION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THERE IN 18 U.S. CODE 245 INVALID ACCOUNTS AND DAMAGING INQUIRIES THAT SERVE NO PURPOSE OTHER THAN DAMAGE CREDIBILTY. SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX,. XXXX AND XXXX XXXX ARE REPORTING LATE. I DECLARE ALL INACCURATE ACCOUNTS ON THE CONSUMER REPORT ARE TO BE CORRECTED PRESENTING NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AS PER 15 U.S.CODE 1666b and 15 U.S. CODE and 15 U.S.CODE 1602 INCLUSIVE OF ANY ALL INQUIRIES ON THE CONSUMER REPORT BEING IN DIRECT VIOLATION OF 15 U.S. CODE 1681b FOR NO INQUIRY REMAINING IS BENEFIT OF THE CONSUMER AND REMOVAL OF SUCH IS PRIVATE BENEFICIAL INTEREST OF THE CONSUMER. I DECLARE AND VERIFY UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT.

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 2022-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I was approved for the loan and signed all the agreements, I forwarded all the documentations that were requested and was verified. I chatted with the agents on the phone and had submitted the call needed and sent in my bank statement, I received a decline to due : Application is incomplete - Bank account has not been verified I tried to rectify the issue on having my bank account verified and have been unable to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XXXX XXXX, I received a letter of intent to sell from a third-party debt collector known as Exeter Finance XXXX . A debt collector pursuant to 15 USC 1692a ( XXXX ) means " any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ''. They stated that they would sale my vehicle because I broke a promise in our agreement. Pursuant to 15 USC 1692e, Exeter Finance XXXX  has violated my consumer rights by stating that nonpayment of this debt will result in the XXXX and sale of my property in which they have no legal right to do. Pursuant to 15 USC 1692d ( XXXX ), Exeter Finance XXXX advertised the sale of my vehicle to coerce payment from me. Pursuant to 15 USC 1692f, Exeter FinancXXXX XXXX took nonjudicial action to effect dispossession of my vehicle which they do not have any present right to possession of my vehicle which was claimed as collateral through an enforceable security interest. The vehicle was never in their possession, therefore, they have no right to gain possession of the vehicle. Pursuant to 15 USC 1692d, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of any debt. Exeter Finance XXXX has harassed and abused me by causing harm to my reputation, which can also be known as my consumer report. With Exeter Finance XXXX reporting false information on my consumer report, I have struggled to take care of my personal/familial needs. I never gave Exeter Finance XXXX prior consent to contact me through any means pursuant to 15 USC 1692c. Exeter FinancXXXX XXXX has caused me anxiety, mental anguish and has caused me to pick up another job due to the fraud that they are conducting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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 a dispute with the company EQUIFAX and have entered all of my information needed to file a dispute. When it comes to the portion when it asks you to upload your documents it will not allow me to upload the police reports I obtained for these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been harassed daily by Portfolio Recovery about a debt I don't owe. This company also put the account on my public record, and its affecting my credit approvals and mortgage options. I want public record deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: E*TRADE BANK
State: CO

Complaint narrative:
On XXXX and XXXX XXXX and XXXX my savings account was hacked for a total of {$12.00}, XXXX after calling my Bank for XXXX  days in a row and talking to at least XXXX different customer service people, I have asked for a supervisor to call me and have not received a call from anyone. I have spent numerous hours on the phone with this outfit and nothing is getting done. Please help me, I need my money back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I recieved a call from XXXX XXXX XXXX XXXX telling me that I needed to pay off a debt within XXXX hours or face legal action, garnishment of wages, etc. I normally suspect these things are robocallers but this was from an actual person. They left the number XXXX XXXX XXXX to call back, and when I called the woman on the line revealed my social security number and several past addresses to convince me it was a real collections. Worrying that maybe this an old debt due to identity theft that happened to me around XXXX, I asked them why I had never received any prior communications regarding this. They said they apologized and that they were sending the communications to my old college dorm room which was an address I hadn't lived at since XXXX. 

When they finally sent me a " collections letter '' the letter had my current address but was addressed to a XXXX XXXX which was very suspicious, and had a dotted line section where I could cut it off and write down my payment information or include cash and mail it in rather than any other dispute options. They seemed very caught off guard when I brought up that the letter was addressed to a different person but contained my name, the agent said that this was because the other agent that sent the letter was new to the company, and that she must have made a mistake, which made me uncomfortable. I hung up and they called back after a while saying that they fixed the letter by regenerating the correct one, and I looked to see that every other piece of information, the account number, charge, etc was the same, but they had simply switched my name for XXXX XXXX. 

I looked up the address of mailing ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX XXXX state business database ( since the address on the website was in XXXX ) and it is currently registered to an active but completely different business called XXXX XXXX XXXX XXXX Then I looked up the name of the business that they gave, and the name of the business on the website, XXXX XXXX XXXX XXXX, it was to a business that has been dissolved since XXXX and had a completely different address. In addition to this, I found that an entire section on their website had been copy and pasted from a legitimate debt collection agency in California called XXXX, and that they had made several different promises that their debt collection rates are above XXXX XXXX and their team has over XXXX  years of combined experience which was highly suspicious as well. They had a variety of human " agents '' calling me back after the first time I told them I didn't believe them due to their name mixups and issues sending the email with the information. The entire experience was fishy but they had clearly invested tremendous resources into making this seem just legitimate enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency please see attached documents and Identifying identification as it contains my full complaint and request.

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 2022-02-01 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: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency please see attached documents and Identifying identification as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/2021 an American Express card in my name, which is not mine, was used to pay for turbo tax. 

I do not have an American Express card, or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Today XX/XX/XXXX at XXXX after the mail ran. I got 2 letters from ChaseCard Member Services saying I owed 2 different card debits that were opened XXXX and closed XXXX. I had already been attacked and XXXX XX/XX/XXXX and non one did anything about it and was hacked through my bank at XXXX  XXXX XXXX after I paid two payments toward 1,000 Life Loan that I did not get to use. I was XXXX from this band still not able to work nor do I have a car or a way to earn money and do not have enough work credit to collect more than XXXX a month and I can not even pay my rent and can not get help because I do not own anything. I rent a room and have no car. I am sick. The accounts keep coming back as verified and a professional hacker that charges 3,000 an hour told me that I needed to throw my brand new computer, phone and router away I am on. the dark web and have been hacked 23 times and they have key loggers on my account. I have had to move 53 times and m y complete identity has been stolen and everyone keeps saying not their job to help from ATTNY General, Sherriff, Elected officials, Police, XXXX, XXXX and more. Plus I have written y'all and the credit unions several times. I need dark web survelience I have been paying XXXX a month to credit monitoring had XXXX XXXX used XXXX XXXX  and put freeze and fraud on accounts. My credit dropped from XXXX after hard work to XXXX, and can not do any better. This is not my fault and continues to happen and I can not even get legal help, they think I am crazy. You can not make this up! I do not ow these bills. People are trying to get loans every 15 seconds and have taken over my social accounts several times, and the last Sherriff that came out could not write the report as fast as the hacker was taken all my money out of my account. Then the second chance bank was not obligated to pay me full amount back and the check for 1200 bounced and I had to pay a fee for that. This ism nuts and ridiculous. I am overwhelmed, frustrated and stressed and XXXX XXXX XXXXXXXX XXXXXXXX and XXXX and so much more. I want this handled after l8 years of fighting just to survive. This is unbearable. Please contact me ASAP! I look forward to your immediate attention to this particular matter. I am tired of being put off!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I don't know how this address appears on my report never lived at this address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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:
Last year I discovered a false account with XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-02-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my credit report to see why I cant get a bank account and it seems to be that someone is using my information accounts being open, Im in the check system

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 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I been banking with td bank in XXXX nj for about 6 years and sadly there was a fraud situation with my account. I went to the td branch to figure out what was going on. They called the fraud department, i was on hold for half and hour and when we finally got a hold of them they said there was nothing they can do and gave me a third party number called td demarketing number i called XXXX times no answer and no call back. Im fine with the account being close, i just want the funds i have in the checkings to be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have pages of inquiries that was not me and breached data showing up constantly using my email and other personal information alerting me that its showing up on the dark web also I am now dealing with a huge problem with my account through Experian that I pay for to access all three credit bureaus was hacked and it took me forever to get back into it and I had froze and locked all accounts they were all unfrozen. I have never filed for unemployment and now received a statement from workforce wv from the IRS of file taxes stating someone claimed {$11000.00} using my information and have never filed for unemployment. I will filing police reports due to this

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