vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I had wrong telephone numbers on my credit report removed. Don 't know how the information was entered and who entered it and would like to find out. I really have a credit report data breach on my personal information. In one of my addresses today I found my ss # exposed. Well even though, the dispute only allow you dispute if it is an apartment complex or single family. I dont know which creditor entered the info incorrect or who entered these addresses on my credit report. I really want to change my social security number and sue who ever is responsible for putting my personal info on a credit report. I would like all incorrect addresses removed from my credit report. I want to pay my creditors off sometimes I call collections and they are adding bills I dont know about. The last l was XXXX XXXX XXXX I called XXXX systems and in the credit report it said XXXX XXXX I paid more and disputed it. I just feel like this is continuing to be a major issue. According to my bank I have been on the dark web a few times. Please help with this investigation so I can move on with my life.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, phone and SSN being furnished on my consumer report. I demand that the inaccurate information is to be remove and update in a timely fashion.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, phone and SSN being furnished on my consumer report. I demand that the inaccurate information is to be remove and update in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I believe XXXX collection accounts on my credit am inquiring about XXXX XXXX  and XXXX XXXX Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I believe XXXX collection accounts on my credit am inquiring about XXXX XXXX and XXXX XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.

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 2022-04-01 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: PA

Complaint narrative:
XXXX XXXX and experience are in of violation of 15 usc1692c i have not given written permission to report my transactions

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 2022-04-01 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: PA

Complaint narrative:
XXXX XXXX and experience are in of violation of 15 usc1692c i have not given written permission to report my transactions

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 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern, This is a formal request to remove, and delete the following inaccurate account from my credit report : XXXX ACCOUNT # XXXX The XXXX ACCOUNT # XXXX being furnished to the credit bureau is being disputed as I am a victim of identity theft. Credit reporting laws require collectors, and credit bureaus to only report accurate credit information. I have no knowledge of this fraudulent entry on my credit report. I have never opened any accounts with the account number listed on my report. I have never opened an account on the date referenced on my credit report associated with this account number. Per the Illinois Collection Act, 225 ILCS 425/9.4, ( a ) Upon receipt from a debtor of all of the following information, a collection agency must cease collection activities until completion of the review provided in subsection ( d ) of this Section : ( 1 ) A copy of a police report filed by the debtor alleging that the debtor is the victim of an identity theft crime for the specific debt being collected by the collection agency. ( 2 ) The debtor 's written statement that the debtor claims to be the victim of identity theft with respect to the specific debt being collected by the collection agency, including ( i ) a Federal Trade Commission 's Affidavit of Identity Theft, ( ii ) an Illinois Attorney General ID Theft Affidavit, or ( iii ) a written statement that certifies that the representations are true, correct, and contain no material omissions of fact to the best knowledge and belief of the person submitting the certification. This written statement must contain or be accompanied by, each of the following, to the extent that an item listed below is relevant to the debtor 's allegation of identity theft with respect to the debt in question : ( A ) A statement that the debtor is a victim of identity theft. ( B ) A copy of the debtor 's driver 's license or identification card, as issued by this State. ( C ) Any other identification document that supports the statement of identity theft. ( D ) Specific facts supporting the claim of identity theft, if available. ( E ) Any explanation showing that the debtor did not incur the debt. ( F ) Any available correspondence disputing the debt after transaction information has been provided to the debtor. ( G ) Documentation of the residence of the debtor at the time of the alleged debt, which may include copies of bills and statements, such as utility bills, tax statements, or other statements from businesses sent to the debtor and showing that the debtor lived at another residence at the time the debt was incurred. ( H ) A telephone number for contacting the debtor FCRA section 609 ( e ) states that businesses must comply with the law when notified of possible identity theft. Please investigate this matter thoroughly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
On XXXX XXXX I receive an notification in regards to a debt collection of {$1400.00} not owed pursuant to 15 USC 1692b ( 2 ) not state that such consumer owes any debt. Credit Management LP has continued to pursue collection without any written consent given directly to the debt collector or the express permission of a court of competent jurisdiction according to communication from third parties. This company have used unfair practices and have obtained acquisition of location information without authorization.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
In acordance with the fair Credit Reporting Act XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions

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 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had trouble with banking in XXXX, CA. I have banked with almost every bank in XXXX, CA. I am a XXXX XXXX American XXXX woman. I have had problems since I began banking in XXXX, CA. I had to ask my sister to become my POA to help me and ever since I can not keep a dime in the bank. I don't even receive my banking statements anymore. I have complained to the bank but I still have not received anything from my bank. I have contacted the bank but I still have not received any assistance. I barely can keep any money in the bank. I really need help. I can not get any help anywhere. I have pretty much given up! Can you help me straighten this out, Please?

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 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hi, I'm trying to report a fraud/scam of XXXX XXXX XXXX XXXX XXXX. I applied to renew my passport this week, and received an email from the XXXX XXXX telling me to contact a phone number in order to complete my application. I called the phone number given to me, and I was told to send them my old passport photo to the XXXX XXXX 's XXXX ( which I later confirmed it's legit ) and I also have to pay {$190.00} as a fee to renew my passport. 

They asked me to pay this amount through XXXX. I asked them if there is a link that I can pay online and they said no. They gave me their XXXX phone number + ( XXXX ) XXXX ( XXXX XXXX ) to send the payment to. I confirmed with them that I sent it, and they said my application is complete. I later found out after talking to my friends and did some research that the fee to renew XXXX XXXX passport should only be {$110.00}. They warned me ( even though late ) that this type of corruption is very common in XXXX, and that if I don't pay them the " extra '' they would delay my renewal process or make it hard for me to renew. I tried to call the XXXX number again but they didn't pick up. 

Basically, they made me pay {$190.00}, {$80.00} more than what I needed to pay to their personal XXXX account, so they can use that to pay for my application and pocket the difference. I doubt I'm the only one that fell for this trick. I contacted WellsFargo, my bank, that I sent money from, but I'm not sure if they could do anything about it. Since the number I called ( XXXX ) was indeed the XXXX XXXX 's phone number, I hope they recorded my calls to show that the employee here overcharged me for my application and they definitely did the same to many other applicants. I respectfully request you investigate in this matter and eliminate this corruption practice. Best.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist offered a {$500.00} bonus to open a checking account with direct deposits. I met the requirements but the offers page says " The participating checking account was closed before qualifications were met. '' My account is still open and I can log in and see my deposits. What's wrong with their technology?

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
To whom it may concern My consumer rights were violated Under the Fair Credit Reporting act 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
I was never served any documentation of eviction. I went to the court and got documentation of the plaintiff 's false eviction. On their proof of service it states address XXXX XXXX XXXX # XXXX XXXX, CA XXXX. That is the wrong unit number. My unit number was XXXX not XXXX. How can you possibly serve someone at two different unit numbers? I moved into my new apartments called XXXX XXXX XXXX and I attached my lease agreement which I signed XX/XX/2018. The plaintiff 's proof of service contradicts and doesn't make sense whatsoever. The proof of service states the plaintiff signed the proof of service XX/XX/2018 but I moved into my new apartments XX/XX/2018. It states in the court papers that this was because of possession back to the plaintiff, it was never about me owing rent. My husband tried to pay rent XX/XX/2018 and the temp that was assigned at the leasing office stated that she will not accept our rent which is a violation of the tenant protection act. The plaintiff violated the Tenant protection act and increased the rent numerous times in the past 4 years we lived at XXXX XXXX XXXX. The tenant protection cap annual rent increase is supposed to be at 5 % which the plaintiff violated. On XX/XX/2018 the plaintiff filed court papers of entry of default, judgement and writ. Superior court returned documents to plaintiff and was unable to process the entry of default and judgement of writ because their attorney misspelled clients name or misinformed the courts of the spelling of their own clients name. I would like this information to be removed from me and my husband XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: IL

Complaint narrative:
I have disputed with XXXX and Experian about the alleged XXXX on my credit file. I asked for verification and the reply was The circuit courts, and from XXXX XXXX. I have reached out to the circuit courts and obtained documentation stating that the courts do not share information to any credit bureau or third parties. XXXX XXXX investigated the information as well and deleted the alleged bankruptcy. Pursuant to section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) .Experian and XXXX is in violation of my rights.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter to TransUnion, XXXX and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 90 days later I have not received a response yet. I feel like I'm 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 90 days so it 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 XXXX XXXX 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 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX my chase card account # XXXX was breeched through Amazon, who contacted Chase and my card was replaced twice with # XXXX then # XXXX due to a additional Back Door hack again from Amazon both Chase and Amazon had credited me for {$1600.00} and Amazon replied that the fraud was caught and it wouldn't be posted to my account either as a charge or cancelation then on XX/XX/XXXX the charge was added back to my Chase Credit Card account and when I questioned your recovery team they replied that amazon said that there had been a delivery to my address for the purchase of this laptop Amazon denies this and my account records was sent to the chase recovery Team in the XXXX who was very disrespectful to me as I tried to address my account problem, and feel that now on XX/XX/XXXX with a reoccurrence of unusual activity again through Amazon in which I had legitimate proof that someone had a Backdoor through Amazon and accessed my Chase Credit information in which Chase & Amazon try to hide. Which is why I filed a second complaint with the XXXX XXXX XXXX, now I'm being blocked from accessing my account or making payments in which I feel that I'm being singled out and harassed because of my filing this second legitimate XXXX Complaint this past month of XX/XX/XXXX. Someone from Chase did Call me a week or two after I filed my first OCC complaint and asked if I was the Person who had the chase Account and filed the OCC Federal Complaint and when I replied yes immediately hung up and ended the conversation, and up to today I'm still being blocked by Chase online card services, who is keeping me from accessing or paying my account, I asked your agency to help chase have locked my account again after it was open for 3 weeks now I believe I understand what is happening here chase is trying to force an auto payment from my Bank and I don't want this done they are not sending me any paper bills

Company response to consumer: Closed with explanation