vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Creditors reporting false information to credit bureaus. 

1.The following accounts report false information to all three credit bureaus. 
JPMCB CARD XXXX Please remove it from my credit report. 
If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain, it has three different last activity dates. Take a look at year XXXX they reported to XXXX the account as paid on time from months XXXX, but they reported it as XXXX with XXXX. In year XXXX it was reported paid on time in XXXX but with XXXX it was reported as a c/o. 

2.The following accounts report false information to all three credit bureaus. 
XXXX XXXX XXXX  XXXX Account XXXX Remove account If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain it has three different last activity dates. Also in XX/XX/XXXX its reported as 90days lates but the month before says paid on time. Its impossible to be 90days late if it was paid on time a month before. 

3.The following accounts report false information to all three credit bureaus. 
XXXX XXXX Account Number : XXXX remove account If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain, it has three different last activity dates. Also with transunion it stated account was close due to transfer yet its still reporting payment after year XXXX with XXXX. Also in year XXXX it says 90 days late in XXXX but the month before says paid on time. Its impossible to be 90days late a month after it says it was paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Creditors reporting false information to credit bureaus. 

1.The following accounts report false information to all three credit bureaus. 
XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain, it has three different last activity dates. Take a look at year XXXX they reported to XXXX the account as paid on time from months XXXX, but they reported it as c/o with XXXX. In year XXXX it was reported paid on time in XXXX but with XXXX it was reported as a c/o. 

2.The following accounts report false information to all three credit bureaus. 
XXXX XXXX OF XXXX Account XXXX Remove account If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain it has three different last activity dates. Also in XX/XX/XXXX its reported as 90days lates but the month before says paid on time. Its impossible to be 90days late if it was paid on time a month before. 

XXXX following accounts report false information to all three credit bureaus. 
XXXX XXXX Account Number : XXXX remove account If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain, it has three different last activity dates. Also with transunion it stated account was close due to transfer yet its still reporting payment after year XXXX with XXXX. Also in year XXXX it says 90 days late in XXXX but the month before says paid on time. Its impossible to be 90days late a month after it says it was paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 account # XXXX, has violated my rights. XXXX  account # XXXX, has violated my rights. XXXX  account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. I need a copy of the original debt with my signature on it, also need a copy of Name and Address of the original creditor. I need the full payment history of the original creditor. I also need proof that they now own and been assigned to collect the debt from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime Stole my money close my account took Social Security raise my name off the account repeatedly been with you since 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT WORLD SERVICES, INC.
State: CA

Complaint narrative:
I have a debt on my credit report from a company named XXXX XXXX XXXX for {$850.00}. I called XXXX XXXX whom are representing this company, spoke to a gentleman at CREDIT WORLD stated this is a Kansas account opened on XX/XX/XXXX. I was asked if I have purchased any properties in XXXX, I said no. I reside in California and do not have anything to do with XXXX. I am a victim of Identity theft. Credit world has all my personal information, they told me I need to prove this was not me and prove where I live. I have not opened any accounts in Kansas at all. How can I prove this was not me? Also, ever since the pandemic in XXXX, my XXXX debit card number was compromised and someone was using it and purchasing so many things under my name and debit card. I had to submit a claim to Bank XXXX XXXX in XXXX. It was investigated and the funds were returned to me. 

Also, now I see another debt on my credit report. it is from XXXX XXXX XXXX, XXXX XXXX XXXX creator. I have no idea who this is and what it is for. Someone is usinf my personal information to open accounts and now it is impacting me. How can I prove I have not opened these accounts? Please assist me. They have all my information which the debt collectors have. 
Again, I am a victim of identity theft which stems from XXXX, the XXXX Dept provided personal information to the theives who continue to use my information to open accounts. This is not right. 

Please assist, let me what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
Iwrote a letter and ask the company to verify this debt and they sent a letter. The letter didn't verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: OR

Complaint narrative:
The original servicing lender was great, we made all of our payments with no issues or problems at all, so when my servicing lender switched in XX/XX/2022 without my knowledge & I did not receive any letters until after the switch. My daughter got XXXX  a few months prior so we were a paycheck behind on our funds, since I work in a XXXX XXXX, I was automatically quarantined for 14 days without pay when my daughter tested positive for XXXX. So when the XXXX payment with the New servicing lender was due, I called them to let them know my situation. They said we could due a COVID Forbearance, and push that payment to the back of the loan. I did everything they asked me to due during this process. I was told to call them back the following month so they could remove the forbearance and I could make the XXXX payment. I was told by whomever was helping me from the company that I had done everything I was required to do, and now I could continue to make my payments from here on out. So I continued to do so. But now from that time till now, I continue to receive call from them saying that I am a month behind in payments. They are charging me late fees. Then I will talk to another person from there company and they say " oh lets get this fixed '' they tell me whomever helped me in the 1st place didn't complete the Covid forbearance process and that is why I'm receiving the calls. They tell me everything is fixed now and I can continue my payments. Then a few days later they call me to tell me that I am a month behind on my payment and late fees will be added. You can look at my payment record and clearly see I have made every single payment, Except for the XXXX payment which was supposed to be put on the Covid Forbearance and places to the back of the loan. This is my 1st home purchase ever, and Round Point Mortgage that I was switched to without any knowledge, letter in the mail, or phone call, is making me sick. I'm constantly worried I'm going to have my home for closed on all because whomever I spoke place in the 1st place did not do there job to comete the forbearance process. I am sick of dealing with them. I have made every single mortgage payment, with the company before ( XXXX XXXX XXXX ), as well as with the current lender ( Round Point Mortgage ). I refuse to pay late fees or an extra mortgage payment because they did not due there job correctly. I want to get a new mortgage lender but do not know how to do so, since my original lender switched to the current lender without my knowledge or permission. PLEASE HELP ME. 
Thank you for your time. 
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 monetary relief
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Holdings, L.P.
State: OH

Complaint narrative:
This debt is now being pursued by a law firm and they have filed a case against me in court. They refuse to settle for less than the exorbitant amount owed due to the 275.99 % interest rate charged. 

I had made several attempts to settle this debt, but did not understand I had to reply to the lawsuit to the court. I am concerned they will garnish my wages, and I refuse to pay {$7500.00} is finance fees for a {$2500.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My name is XXXX XXXX and I have new and updated information regarding Capital One failure to comply with the FCRA. 

XX/XX/2021 I filed a cfpb complaint against Capital One as they alleged an inquiry appearing on my credit file came from myself the consumer. Ive explained it was not me and Capital one confirmed as well as stated they would have it removed over a year ago. This inquiry has still been reporting since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Date of Issue : XX/XX/2022 Location : XXXX XXXX XXXX I was propositioned to attend a " no obligation to sign up timeshare presentation '' for XXXX hours. I was repeatedly told that I did not have to sign up for anything. My personal information ( social security, address, date of birth and income range ) were required for this presentation to receive their " gifts and best rates '' Their gifts were XXXX tickets to the XXXX XXXX. 
XXXX pulled my credit history and opened a credit card in my name without my written or verbal consent. XXXX and XXXX showed a hard pull and a new account. I received a physical credit card for {$4500.00} from XXXX Bank and a letter declining to open a XXXX  Rewards card through XXXX. I had to file for Identity Theft to resolve this issue. 
The business used my personal data without my consent to open a fraudulent credit card. This impacted my credit score and my credit history negatively.

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