vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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: MO

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX Balance : {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
Southwest Credit Solutions reinserted two collections on to my credit report without properly notifying me. These two debts have been once removed from my consumer report, but they have been reinstated. I have reached out to this company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Today, XX/XX/XXXX, I unfroze everything! XXXX Chase Bank sent me to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ( who was also understaffed ) to create a new account and set an appointment for XXXXXXXX XXXX with XXXX who is a Chase Private Client banker. XXXX Police Department XXXX XXXX and ( mother of ) XXXX XXXX had undercover / military, ouch! XXXX didn't arrive for the appointment until about XXXX XXXX. He had my WA XXXX ID with XXXX XXXX card using my name, cell phone number, social security number and address in his database which he claims he knows everything about me. I am alive, not dead but haven't had a Chase bank account personally as far as I know and he disputed me as he said he can see one. XXXX found an old account from WaMu which was acquired by Chase in XXXX ( should be closed ) and claimed he found an Amazon credit card with my social security number. He later claimed that the card wasn't mine but I was an authorized user after typing a few things and refused to tell me about anything but confirmed an old XXXX address from my credit history. I needed to provide him with a coupon code for the Chase Total Checking account but didn't have access to my home PC, so I was told to login to chase.com to complete the application process with direct deposit to get my {$200.00}. [ When I got home I checked my email about XXXX XXXX XXXX as provided to XXXX with two new notices of Chase : Your address change is complete and another for Confirmation of phone number change - in which I didn't request nor even know about. I can not login as there is no account, application or user names. ] I completed the application for Chase Total Checking with Your {$200.00} coupon from Chase is here! ( email code ) but was declined immediately with no confirmation number but thanks for applying. I called the XXXX XXXX XXXX XXXX at XXXXXXXX XXXX who told me to call XXXX Chase XXXX and Mobile Banking Technical Support and when I did they couldn't find major error to why I cant get online other than needing to clear out the application or my personal data when I got transferred to Chase Customer Support who informed me that there is a Chase Ultimate Rewards card ending in XXXX in my social security number but closed for some reason when asking for accounts. There was new information changed today as confirmed by the local branch emails as attached. [ I said I didn't know about those at all and I spoke to my family but none of them claim those changes to accounts ] Customer Support did not confirm the WaMu, Amazon or Chase Freedom cards but told me to return to a local branch to set up a new Chase Total Checking account with that {$200.00} coupon code or inquire about what was changed. I said " that is fraud '' and hung up. [ The call lasted XXXX mins XXXX secs in total ] I also sent these details in an email at XXXXXXXX XXXX to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rozlin Financial Group, Inc.
State: SC

Complaint narrative:
XXXX XXXX sold the debt of {$1500.00}. that is a violation of the Fair Debt Collections Practices Act. I have no contract with Rozlin Financial Group who bought the debt from XXXX XXXX and have a balance of {$2700.00} showing on my 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 2022-10-13 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: MO

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-13 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: GA

Complaint narrative:
This is just disappointing! Despite the previous attempts to correct my Credit File by updating and or removing the disputed accounts on my Credit File, the Credit Bureaus have been doing nothing! While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. There a lot of erroneous reporting being done on my Credit File which is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. I am submitting this CFPB complaint to request to the Credit Bureaus to please have investigate and remove or correct the disputed accounts completely from my Credit File : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I am requesting the Credit Bureaus to please notify me when the items have been updated or deleted. Once this has been accomplished, please forward me an updated copy of my credit report to the address listed above.

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 2022-10-13 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: GA

Complaint narrative:
This is just disappointing! Despite the previous attempts to correct my Credit File by updating and or removing the disputed accounts on my Credit File, the Credit Bureaus have been doing nothing! While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. There a lot of erroneous reporting being done on my Credit File which is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. I am submitting this CFPB complaint to request to the Credit Bureaus to please have investigate and remove or correct the disputed accounts completely from my Credit File : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I am requesting the Credit Bureaus to please notify me when the items have been updated or deleted. Once this has been accomplished, please forward me an updated copy of my credit report to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX CT XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX .... Balance : {$50000.00} ; XXXXXXXX XXXX  DELAWARE XXXX .... Balance : - XXXX XXXX  XXXX XXXX XXXX .... Balance : - XXXX XXXX  XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-13 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: MO

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-13 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: MO

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; CB XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: FL

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was seeking to rent an apartment on listed on XXXX and XXXX. I found an apartment that I like and requested more info through the sites. I was contacted via email by a person who identified as XXXX XXXX. The person claimed to be the owner of the property. He contacted me and advised that there were several people that inquired about the apartment and in order to hold the apartment for me, Id have to make a deposit, pay first months rent, and a {$300.00} cleaning fee all totaling to {$3200.00}. He advised me that he had a death in his family and was unable to show the apartment as hed be out of town attending a funeral. He also advised that I wire transfer the payment to the following ( via wire transfer ) : Full Name : XXXX XXXX XXXX Bank name : XXXX XXXX Teacher 's XXXX XXXX Bank address. XXXX XXXX XXXX XXXX XXXX NY XXXX Account number : XXXX Routing number : XXXX Type of account : Checking Reference No : XXXX I sent the payment of {$3200.00} to the person. He confirmed and acknowledged receipt. I also signed the lease electronically. 

I felt that this communication was suspicious when he later changed his narrative and advised that the apartment would not be viewed until the day before move in day ( scheduled for XX/XX/2022 ). I immediately requested a refund. The person stated that the refund can not be wired back to me and hed send me an overnight check in the mail. 

I received an email from the person on XX/XX/2022. He claimed that he advised his bank account XXXX to send me a check for my refund and send him a check for his traveling expenses. He claimed that the bank account officer mistakenly sent one check that included my refunded along with his traveling expenses. He requested that I deposit the check as soon as I receive it and collect my refund and immediately forward him the remaining balance of the check. 

I received a check the following day in the amount of {$10000.00}. It did not look legitimate. The check was from XXXX. I contacted XXXX to make sure it was legit. I was advised that they did not have the said claim number or draft number. The was a fake XXXX check. 

I contacted the person back via email and text stating : Good afternoon XXXX, I am in receipt of your email ; as well as the check. Please be advised that I have reported this check as a fraudulent check. This matter is currently under further investigation and legal action has been set forth. Thank you. 

I received no further response. 

On XX/XX/2022, my bank deemed this incident as fraud but denied the money to be returned to my account.

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 2022-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
td auto is reporting a charged off loan for XXXX, XXXX on my credit report, td auto sued me without proper notice this was during covid 19 time i never got summed or nothing im hiring a fcra lawyer to help me take td auto to court for doing a automatic judgement. 

so the balance on td auto should be XXXX not XXXX once we go to court we can see what we can up too i might have to file bankruptcy depening on what laywer says

Company response to consumer: Closed with explanation