vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 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: NV

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I always paid on time, and this giving me XXXX  I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-06-28 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: 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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 seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: WA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-06-28 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: NY

Complaint narrative:
Dear Chase XXXX, the account ending in XXXX is not mine, it was fraudulently opened on my behalf. I did not apply for a Chase XXXX XXXX credit card at any time this year. Please do an investigation and remove any balance that occurred on this account. Under certain laws, I am not entitled and/or responsible to pay the debt that occurred on this account ending in XXXX to Chase XXXX which XXXX not mine. Again I did not authorize or verify that this account is mine. Remove the debt that occurred on this already closed account because it is not mine and I do not owe any debt to Chase, for the sole reason that this account is not mine in the first place. It is identity theft. As I am aware, this account is already closed but there is still a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

These following accounts are inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX - XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Date of last activity is reporting 3 different dates and years XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Open date is invalid and is listing more than one XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX Date open is incorrect XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - There are 3 different dates listed for date reported XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - The date reported is incorrect XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - The high balance reported is not correct XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) -The date reported on this account is incorrect as well as the high balance reported. 

XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Date reported is incorrect XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Last activity date is incorrect No statement was issued that these accounts were even in dispute so how can it be verified if it's not listed as disputed? It's been well over 30 days and still no results on any investigation. My disputes have not been taken seriously and my rights as a consumer have been violated. This has caused me unnecessary stress due to information that is being reported inaccurately. 

I thought a CRA had 30 days to complete a full investigation. Please explain to me why the law has been violated? 

A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. It has been several months now and this needs to be resolved.

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 2023-06-28 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:
I disputed incorrect information contained in my credit report in a letter dated XX/XX/XXXX to your company and to the creditor on XX/XX/XXXX ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within XXXX ( XXXX ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. XXXX has since removed this inaccurate account since XXXX was not able to verify it even after my dispute letter. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to say that this account will be removed in 5 days or I will proceed with legal action. Attached is the dispute letters dated and time stamped. I have also included an updated copy of my XXXX report showing that the account was removed between XXXX and XXXX of 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 2023-06-28 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: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Ive sent servel letters to this creditor and they have not yet to follow you guys rules. 
XX/XX/2022 MIDLANDAND CREDIT MANAGEM {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: MD

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is currently reporting " XXXX XXXX XXXX '' to my credit report, as of XX/XX/23 this account was reported as a collection or closed account. Although the collection agency and I have requested that it be deleted. The debt was paid in full. I've also submitted a dispute with Transunion, and nothing has changed unfortunately. It is against the law for Transunion to report incorrect information to my 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 2023-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I sent a letter certified mail to company to inform them of their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have all 3 credit bureaus frozen as I have had my identity stolen twice. I have logins for each bureau so I can temporarily unfreeze my credit as needed. I was able to login to XXXX and XXXX however, I have been unable to login to EXPERIAN. I tried all of my logins and none worked so I clicked on " forgot user name '' and " forgot Password '' and experian takes you to a screen where you input your Birth date and Social Security number to get a reset emailed to you. When I do this, it goes to an email that is not mine nor ever has been so now I assume my credit login with Experian has been hacked. I have tried over 7 phone numbers for Experian and none of these numbers, no matter what you ask for " agent '', " customer service rep '' will allow you to talk to a human and the automated system can not assist with this. I need to know first if my credit is still frozen and I also need to make sure someone hasn't fraudulently logged into my credit bureau and report. I followed the instructions for login issues and how to submit a letter request for help and have heard nothing back, this was over a month ago. So I am literally being held hostage by this and unable to obtain any new credit as I can not unlock my credit report. I desperately need assistance as there is no one I can get ahold of there! Please help! I need a phone number directly to a " HUMAN '' and assistance in resetting my user name and password. 
Here is what shows when I try to reset user name or password, I have never had an XXXX email so this is not my email. The reset is going to someone else 's email, so scary! 


We have sent your username to the following email address : XXXX 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 2023-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Foreclosed while on forbearance by US BANK attorney USBANK didn't know that this happened and tried to collect payment after my HOME was STOLEN Over {$1500.00} in NSF fees Multiple police reports of harassment were made against USBANK and the attorney XXXX XXXX  XXXX Severe criminal misconduct has occurred. 

Please send investigator and United States Marshal I would like to be a witness at the next Senate finance testimony of the big bank CEOs I have specific incriminating questions I want to ask XXXX XXXX and the rest of the CEOs

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 2023-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I tried to close my savings account today with chase, amount appx {$7000.00}. I provided photo id, a chase credit card and showed I could access the chase app. They then tried to send a security code to a phone number not listed under my security contact numbers. They tried again and the same confirmation no came up as opposed to my default cell no. They did this repeatedly putting a restriction on my account. I called chase they could not do anything by phone. Branch manager also called but got nowhere. I need my money today to cover clean up after storm damage but they state their system allows no exceptions and they will not give me my money. At one point they told me to leave the bank, I responded not without my money and they could call the police if they wished. 
Chase is happy to take my money but not return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: NY

Complaint narrative:
EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL collections reporting was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report has been filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine these accounts are indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet signature. Consumer is NOT asking for an e-Oscar report. If EXPERIAN doesn't have documentation to show these were in fact authorized by the consumer it must be removed ASAP. SAID company is liable under the SEC to follow certain rules EXPERIAN XXXX XXXX AKA EXPERIAN XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Floor XXXX XXXX XXXX New York XXXX, i will be filing form 211 treasury omb forms to audit consumers account EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 2023-06-28 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:
I sent letters to all credit bureaus and creditors in may in regards to incorrect and fraud accounts that are reporting. The items are still reporting and need to be removed immediately! There are accounts that is XXXX XXXX XXXX and still reporting and by law that is illegal and can not be reporting! remove it asap please! I do not want to have to take legal action but i will if this matter is not resolved. Please remove these items per 15 usc 1681 b you all are violating my rights as a consumer by furnishing this information without my consent.

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 2023-06-28 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: Synovus Bank
State: MO

Complaint narrative:
Accounts considered charged off/Collections. These accounts are still on my consumer report and should not be. Wrongfully garnished wages with XXXX XXXX XXXX and I want my money back. Was never given 1099-C for any of these debts. I believe these companies are committing tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: Atlanticus Services Corporation
State: AL

Complaint narrative:
Fortiva changed my retail card into a credit card without my authorization. They sent and email that I didnt opt out of. I deleted thinking it was junk but in no way agreed to a credit card. It now shows up in my credit report as a new account. I feel like this is fraudulent. Dont consumers have to agree to a credit card? What are my rights?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: TX

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have never applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.

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