vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX AC # XXXX, DO : XX/XX/XXXX, Amount {$840.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$22000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount:XXXX, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX , AC # XXXX, DO : XX/XX/XXXX, Amount {$840.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$22000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount:XXXX, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
The collection agency is reporting an inaccurate account to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The company is reporting a debt to my consumer report that isn't 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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Over the course of 30 days I have filed a dispute in regards to inaccurate and false information on my credit report. Ive attached a copy of my dispute mailed in certified to Equifax and they are still reporting these incorrect items. According to the fair credit ACT, section 609 ( a ) ( 1 ) ( A ) they are required by Federal Law to only report Accurate information and the have not done so. They have not provided me with any proof i.e. and original consumer contract with my signature on it proving that this is my account.

Further more, I would like to make a formal complaint that Ive tried calling Equifax Over 10 times this week and every single time Ive called Ive asked for a representative in the fraud dispute department wants transfer it over there when you speak to the representative and let them know that you are looking to dispute inquiries and accounts due to fraud they immediately transfer you to their survey line essentially ending the call. I believe Equifax is training their representatives to not help consumers over the phone and performing unethical practices. 

Once I finally got a hold of a representative she told me that she could not help because I did not send in my Social Security card which violates my consumer rights. So Im Making a formal CFPB complaint that you will correct Equifaxs actions. 

Below Ive written what is also included in the files uploaded, my disputes for inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This company is reporting inaccurate information to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, i can't apply for credit, i can't rent a home or purchase one.

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 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Attempted to use my Discover XXXX card and was declined. 
Called Discover directly, because I was confused and concerned that fraudulent activity may have occurred. 

Spoke with XXXX, who told me my account was closed for inactivity - he also said that correspondence was sent, along with an email. The last emailed recvd was XX/XX/20 & XX/XX/20, advising my covid relief had ended. I never received correspondence via US mail or any other shipping entity. 

I was then transferred to another XXXX who wanted me to apply for another card - adding insult to injury ... my score declined due to closure, and my score would decline if I applied for another card. 

An issue like this tends to be systemic and XXXX many times. It is exhausting as a minority to receive the same consideration that non - minorities take for granted. 

I am absolutely tired of being invisible and dismissed - all of my XXXX  scores are in the XXXX range. My wife and I have three other Discover accounts in excellent standing - this account was in excellent standing. 

I will also be filing a complaint with the FTC. It seems that I am only seen OR heard when I leverage goverment paths like the CFPB or FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report.

to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
You can not cancel the service. Which locks you out of other services.

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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove this account XXXX has placed in my credit report it is fraud and it was open with out my permission, the account is for XXXX and it was open in XX/XX/2022, I have attached a ftc identity theft report to this complaint and a copy of the account this on my credit report, this account was open fraudulently and it does not belong to me, I hired an attorney to sue XXXX, all my personal information has been leaked and exposed by XXXX, my social security number and my drivers license number and other information, the collection account is XXXX XXXX XXXX, this is a fraud account please remove,

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 2022-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I need to report identity theft. I already contacted the credit bureaus and the companies associated with the closed accounts that were in my name. I did not authorize Capital One in the amount of {$2000.00}, date XXXX closed XX/XX/XXXX nor XXXXXXXX XXXX in the amount of {$2600.00}, date opened XX/XX/XXXX closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
Within the last 6 months, Ive sent Multiple disputes and FTC report to credit management and to XXXX XXXX and XXXX XXXX. for some reason this account for {$42.00} with credit management keeps coming back verified and Im sure of how its being verified. One the account is fraudulent. Second Ive never done business with credit management Ive never answer into a written or signed contract I have said multiple times this is not my debt I do not assume responsibility for this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
The 3 Major Credit Bureaus list me as NOT having a mortgage although, I have submitted supporting documentation demonstrating that I indeed have a Mortgage. The mortgage was transferred from XX/XX/XXXX ( XXXX ) to BSI Financial Services and Partial VA Claim Form clearing a Forbearance that was registered in XX/XX/XXXX was approved.The VA Partial Claim indicates that the amount of the Forbearance is to be added to the current end of my mortgages maturity date and that my mortgage is NOW Current and that I didn't have a payment until XX/XX/XXXX under the new agreement. However, I continued making Loan Payments first to XXXX from XX/XX/XXXX to XX/XX/XXXX and then BSI Financial from XX/XX/XXXX until today XX/XX/XXXX. Loan Payments weren't required under the VA Claim until XX/XX/XXXX, I have continued to make my Mortgage Payments, since telling XXXX that I wanted to end the Forbearance in XXXX. My credit score has been negatively impacted by this. I have contacted leadership at BSI Financial twice asking that they intervene. Both times via email. I have requested that BSI Financial, please reflect the fact that I have a Mortgage with the Credit Bureaus, most recently with an email on XX/XX/XXXX at XXXX EST. All of the information within the Document Center of the BSI Financial online portal is NEGATIVE and none of it recognizes the VA Claim, the new Mortgage with an end date of XX/XX/XXXX. I am barred from electronic payments. I consistently receive statements saying that I owe {$32000.00} due immediately. However in conversations with BSI Customer support I am told " everything is ok. '' They are " working through the issues ''. The " online portal will be fixed. '' and the " Credit Bureaus will be contacted '' and my " Credit Reports updated ''. However, nothing has changed in the past 3 months. There is NO Documentation from BSI Financial acknowledging the VA Partial Claim. There is NO Documentation stating that my new Loan was transferred on XX/XX/XXXX and that payments start XX/XX/XXXX. There is NO Documentation stated that the Credit Bureaus have been contacted. There is NO Documentation with any related " Disposition '' information, or Next Steps or Action Items for me. Please contact the Atty XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX mentioned in the VA Claim if there is a need to verify that the VA Claim was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: FL

Complaint narrative:
This has been ongoing issue. Since XXXX XXXX i found out the merchant refunded XXXX back to my bank with chime bank but that money never came back to my account. When i created a dispute about this i was denied XX/XX/XXXX regarding t

his. So right now i need to know why are they illegally witholding my money, when they got it back as a chargeback. Chime needs to return my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, i can't apply for credit, i can't rent a home or purchase one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, i can't apply for credit, i can't rent a home or purchase one.

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 2022-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I began to receive emails from XXXX XXXX at True Accord working on behalf of XXXX XXXX XXXX. The first email was in XXXX 2022 and I received another on XX/XX/2022. The mail states that I owe {$1900.00} XXXX XXXX ( XXXX XXXX ). I have not 5aken any action because this can not be legit. I've never have any services with XXXX or XXXX XXXX. I've never even heard of this company. This companies location are in New York and New Jersey. I reside no where near those locations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I pulled my credit report recently and noticed that all of my accounts that had been included in the bankruptcy were still listed on my report and that I had addresses that were unknown to me on there no current information was listed on there such as employment and they are releasing medical information with third party companies that I am unaware of. It also has no employment information on my account as well and I work a job at XXXX XXXX  all the other jobs are old information over 10 years ago. everything needs to be undated INACCURATE ITEMS : XXXX XXXX XXXXXXXX XXXX XXXX ohio XXXX XXXX XXXX ohio XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OHXXXX all the accounts will be highlighted on credit r

eport as well its 17 that are listed in the bankruptcy and the report ic systems needs removed never done business with nor should they have my medical info. all hard inquires removed except for the two open accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, i can't apply for credit, i can't rent a home or purchase one.

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