vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-15 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: GA

Complaint narrative:
XXXX XXXX has reported to the credit agency that they are the owners of the debt. I have made several attempts to contact XXXX XXXX for proof. I have received calls and notfication via the mail by other companies claiming to be the owner of the debt. XXXX is in direct violation of the FCRA. A debt can only be bought and sold by a limited number of parties. XXXX has not been able to verify in writing that this debt does not exceed the federal limits of debt sales by a third party debt collector. From my records this debt has been bought and sold over 5 times which exceeds the legal limit. The credit agencies failure to verify that XXXX is within the legal limits is just cause for civil litigation. I demand the credit agency verify that XXXX is the legal owner of the debt in writing or remove the item from my file.

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 2019-02-15 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: GA

Complaint narrative:
XXXX XXXX has reported to the credit agency that they are the owners of the debt. I have made several attempts to contact XXXX XXXX for proof. I have received calls and notfication via the mail by other companies claiming to be the owner of the debt. XXXX is in direct violation of the FCRA. A debt can only be bought and sold by a limited number of parties. XXXX has not been able to verify in writing that this debt does not exceed the federal limits of debt sales by a third party debt collector. From my records this debt has been bought and sold over 5 times which exceeds the legal limit. The credit agencies failure to verify that XXXX is within the legal limits is just cause for civil litigation. I demand the credit agency verify that XXXX is the legal owner of the debt in writing or remove the item from my file.

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 2019-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX has yet to produce a invoice from the original creditor for {$670.00}. They have only been able to produce invoices from the original creditor with contradictory balances. Until XXXX XXXX is sble to submit in writing a invoice from the original creditor for {$670.00} I asked that this item be removed from my credit file. XXXX XXXX has broken several FCRA violations and one of those violations is they can not show a balance that is not owed. A balance of {$670.00} was never owed to the original lendor XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: IL

Complaint narrative:
I have repeatedly disputed an account with XXXX XXXX  due to identity theft and fraud. I provided an FTC Identity theft report on XX/XX/XXXX and requested protection under the 4-day blocking rule. 

XXXX XXXX  has been exceptionally rude about this situation. They are very well aware they are operating outside of the laws. Further, this account lists 24 months of late payments yet the last payment was XX/XX/XXXX. 12 months is not 24. 

All XXXX XXXX  has attempted to twist my own words against me. They have continually failed to perform a competent investigation. I requested supporting documentation related to their alleged investigation and none has been provided. 

In addition, On XX/XX/XXXX XXXX XXXX received a debt validation letter. They were even notified after a week that no response had come. 

Now it is beyond the 30-day requirement for a response. XXXX has failed to respond to this formal legal demand. XXXX is still reporting this debt to Equifax knowing it is invalid, illegal, and disputed to the fullest extent. They have no issues breaking the laws. 

I spoke with a representative named XXXX XXXX today on XX/XX/XXXX. I  asked, " How do I get legal compliance? '' XXXX XXXX said, " You don't. '' I said, " May I quote you on that? '' She replied, " Yes. '' Am I the only one who finds that completely rude, illegal, and unprofessional? 

XXXX XXXX and XXXX XXXX need a serious reality check. They are not above the law as they believe. I am requesting this invalid information removed from my report immediately. 

Attached please find the FTC identity theft affidavit and debt validation letter. They are dated XX/XX/XXXX and XX/XX/XXXX. If XXXX wanted to continue to post invalid information they should have made an attempt at validating this debt as required by law. 

XXXX 's time is up. I have shown more than sufficient proof of why this debt needs to be deleted to be in compliance with the laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I deposited my paycheck via mobile app to UMB Bank. An hour later a account representative contacted and asked if the deposit was made by me and I told her yes. She asked what the check was for I told her it was my paycheck. She then said ok and said that was all she needed to verify it was not a fraudulent transaction. A couple hours later I received another call from her again she stated they would have to hold the check for 7 business days due to account activity. I asked her what that meant she said she was not told why. I pleaded with her that this was my paycheck and I need to pay my bills with it and feed my children and that if they couldn't release my funds that I would to just go to my other bank and deposit the check she said she would talk to her account manager and give me a call the next day. The next day came and I heard no response back so I contacted the bank and they said that they could not release the funds or the check due to it being with the Fed already. I asked to speak to the account manager because not only was my check being held from me but now my account was frozen due to the fraud department placing a hold on the account. The account manager was not very helpful or caring about my situation. I have had this account since XXXX and I don't understand why they have to hold my paycheck. I am very upset about this, the account manager said the funds will not be released until midnight of the XX/XX/XXXX, that means they sent the check to the FED on XX/XX/XXXX after I had voiced my concern about it, so who is being fraudulent now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: GA

Complaint narrative:
I have never applied for credit with XXXX XXXX. I ask that this matter is investigated and the Hard Inquiry removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had a Chase Credit Card for years. They increased the interest rate without any notice. This is second time they have done this. This is suppose to be set rate for life of the loan as I do not use this credit card. We got it fixed the first time. This payment automatically transfers out of my account every month. If I would have known the interest changed I would have paid off the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: GA

Complaint narrative:
I have never applied for credit with XXXX XXXX. I ask that this matter is investigated and the Hard Inquiry removed from my credit file.

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 2019-02-15 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: GA

Complaint narrative:
I have never applied for credit with XXXX XXXX. I ask that this matter is investigated and the Hard Inquiry removed from my credit file.

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 2019-02-15 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: NY

Complaint narrative:
The CRA is reporting false information about a XXXX Card account on my report. 
I have reached out several times and asked that they remove the incorrect information. 
I received a letter from XXXX saying that this debt has been canceled and the CRA still says they verified this account. 
How can you verify something that even the source says it is not true. Please remove XXXX account and Inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has several hard inquiries on my credit report from XXXX and XXXX. I have never inquired for any type of loan with Capital One. Capital One is reporting a credit inquiry for a business that I was once a member of and not the primary gaurantor because the company was a XXXX. These inquiries for credit were not made by me. Also, Capital One is breaking the FCRA. Only personal requests for credit should be reported. The inquiry is for a business I no longer work for and do not own and it should be reported as a personal credit inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I would like to see the documents showing chain of title for this loan from XXXX to Real Time Resolutions. Real Time Resolutions reported it to XXXX in XX/XX/XXXX. When I disputed it, it was immediately removed.I am still investigating this loan that I havent heard anything on for many, many years until a strange phone call back in XX/XX/XXXX. A man from this company called and told me I owed {$27000.00} and if I gave him {$3000.00} in two days, I will be paid off. When XXXX took over my mortgage in XXXX, I was told by them, I no longer owe XXXX anything. I never received any bills either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX has several hard inquiries on my credit report from XX/XX/XXXX and XX/XX/XXXX. I have never inquired for any type of loan with XXXX XXXX. XXXX   XXXX is reporting a credit inquiry for a business that I was once a member of and not the primary gaurantor because the company was a LLC. These inquiries for credit were not made by me. Also, XXXX XXXX is breaking the FCRA. Only personal requests for credit should be reported. The inquiry is for a business I no longer work for and do not own and it should be reported as a personal credit inquiry.

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 2019-02-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX has several hard inquiries on my credit report from XXXX and XXXX. I have never inquired for any type of loan with XXXX XXXX. XXXX XXXX is reporting a credit inquiry for a business that I was once a member of and not the primary gaurantor because the company was a LLC. These inquiries for credit were not made by me. Also, XXXX XXXX is breaking the FCRA. Only personal requests for credit should be reported. The inquiry is for a business I no longer work for and do not own and it should be reported as a personal credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have no knowledge of this account, I saw it on my credit report and do not know what it is or where was this done. XXXX XXXX, XXXX, Original Creditor- XXXX XXXX XXXX . Opened XX/XX/2014 in the balance of {$7800.00}. XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  XXXX XXXX has a a hard credit inquiry in my file for XX/XX/2017. I did not make this inquiry for credit. I adk that the matter is investigated and item removed from my credit file.

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 2019-02-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  XXXX XXXX has a a hard credit inquiry in my file for XX/XX/2017. I did not make this inquiry for credit. I adk that the matter is investigated and item removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
In XX/XX/2018 I earned a {$25.00} XXXX gift card. Ive been calling and submitted emails even talked to reps. Its been over five months and still not  received.

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 2019-02-15 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
US Auto Sales Inc. has multiple hard inquiries reported. There should only be one hard inquiry reported and that is for XX/XX/2017. I did not ask the lender for multiple lines of credit and the lender is in violation of the FCRA. I ask that the lender correct the number of inquiries and remove the other inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: NV

Complaint narrative:
As I've gone through the accounts that are displayed on my credit I've noticed unusual activity and an ample closed accounts that aren't. Please remove these items from my credit report immediately, for they are items of identity theft, they do not belong to 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 explanation
Consumer complaint received 2019-02-15 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: DISCOVER BANK
State: NY

Complaint narrative:
The CRA is reporting false information about a Discover Card account on my report.

I have reached out several times and asked that they remove the incorrect information.

I received a letter from Discover saying that this debt has been canceled and the CRA still says they verified this account.

How can you verify something that even the source says it is not true. Please remove Discover account and Inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 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: NY

Complaint narrative:
The CRA is reporting false information about a XXXX XXXX account on my report. 
I have reached out several times and asked that they remove the incorrect information. 
I received a letter from XXXX saying that this debt has been canceled and the CRA still says they verified this account. 
How can you verify something that even the source says it is not true. Please remove XXXX account and Inquiries from 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 non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
When I first graduated from XXXX XXXX XXXX XXXX in XX/XX/2015, I applied for the Get On Your Feet NYS Program. In order to qualify, your salary has to be under {$50000.00} a year. I met all other criteria by going to high school and college in NYS and graduated within two years. 

Navient was reporting to the NYS Get On Your Feet Program that I made double the salary I actually do so that I would not qualify. When I called several times to speak with Navient they always denied that they told NYS incorrect information. 

I am now a few years out of school and feel I lost thousands of dollars I could have saved if Navient told NYS Program my correct salary. 

I have attatched the email from NYS program where it stated I made {$80000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/ 2019, I received a tax document mailed to my home, addressed to my mothers name at my home address. My mother and I have a joint checking account together, but she has never lived at my address and she always gets statements mailed to her own address. I logged into my Chase.com account to see if Chase had somehow mixed up our addresses. I went to the joint account that she and I share, and I clicked Statements. When the PDF statement opened, it contained my mothers name, her home address, and full details on ALL SIX of her Chase accounts NOT just the one that she and I share. 
I called Chase and reported both of these problems : ( 1 ) the mail sent to the wrong address ; and ( 2 ) the privacy violation on the website. The customer service agents did not seem to think either of these issues was concerning. They told us we could fix the data disclosure issue ourselves by having my mom de-link her accounts so that they did not all appear on the combined statement. So essentially Chase is telling us that they will disclose financial data ( via a combined PDF statement ) to someone who is NOT an account holder ( me ), unless we specifically take steps to opt out. They told me there is a disclosure given to someone who chooses a combined statement. The wording of the disclosure does not make it clear that data for ALL accounts will be shared with an individual who is a joint account holder on only ONE account. I filed a complaint, and called back several times to check the status, for a total of 3 hours and 19 minutes of my time, with no resolution from Chase, so I am now turning to the CFPB.

This is careless disregard for personal financial data. I am extremely disappointed in Chase for failing to protect my mother 's private financial information and for failing to treat this matter with any urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: NV

Complaint narrative:
As I've gone through the accounts that are displayed on my credit I've noticed unusual activity and an ample closed accounts that aren't. Please remove these items from my credit report immediately, for they are items of identity theft, they do not belong to 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 explanation