vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: AR

Complaint narrative:
I contacted LexisNexis and requested my entire personal profile history. I for sometime had been getting wrong identity questions and answers on my identity checks and XX/XX/XXXX was finally able to track down that it was LexisNexis the incorrect info was coming. I received the report XXXX. I took time and reviewed and made a list and contacted LexisNexis by phone on XX/XX/XXXX and took an hour to detail each incorrect name, incorrect addresses that never belonged to me and were never published on my 3 credit bureaurs- they all belong to people I'm not related and don't know- I was told these should not be on my report by LexisNexis representative on XX/XX/XXXX. On XX/XX/XXXX phone call I was told I would get a letter in XXXX days with the information removed. It is now XX/XX/XXXX, and I called on XX/XX/XXXX and today on XX/XX/XXXX and they said there is STILL no results from the investigation. on XX/XX/XXXX they said they would ask for someone to complete it and get back to me in 2 business days. It has been over a week, and they said today on XXXX that still no one has reviewed or made a determination. This causes great difficulty because the incorrect info comes up in 3 of the 4 questions they ask, almost every time I have to use the identity questions to verify myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CATHAY BANK
State: CA

Complaint narrative:
Cathay Bank sent me a check book and a debit card for an account I did not open. The account has monthly fee. 

I had a closed account with XXXX bank in XXXX, who sold their XXXX business to Cathay Bank since XXXX, which has reopened that account in my name without my consent. 

The customer support line of Cathay Bank is not responding after XXXX hour wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello. I've tried to resolve this with XXXX and bank of america, but neither will refund my money, just under {$260.00} XX/XX/XXXX I went on XXXX  to purchase a sonos amp. I clicked " ask '' in the app, but it didn't work. I got an error message. So I submitted an offer in the XXXX app and it went through. I sent a text message saying i put an offer in via XXXX. the gentleman ( name in XXXX XXXX is XXXX XXXX ) was driving to XXXX  XXXX to ship the merchandise. He sent me pics of XXXX XXXX  and a XXXX XXXX receipt. 


He said he couldn't get XXXX to work and if I'd send him the money through XXXX. Since he gave me receipt and I had an issue with the XXXX app, I thought we has telling me the truth. I sent them money via XXXX and asked him to confirm. He confirmed it was him, but came back and said his XXXX app was hacked and to send it to his wife 's account. I said no. 


He threatened me a couple of times, but I said I won't resent the money. I went into XXXX to chancel the txn. there is way to do this in the app, but it said it wouldn't work. I called XXXX and they told me I have to go through Bank of America. I couldn't get a hold of XXXX XXXX, since it was Sunday. 
I called XXXX and the told me the address on the fXXXX receipt doesn't exist. 


I followed the XXXX instructions and reported the person. they said they couldn't help. I emailed them again ( they have no phone ) and said the same person is on there under multiple names doing the some thing. still nothing from XXXX. 

I saw where BofA refunded consumers of XXXX due to fraud. WHen I asked BofA, he told me the circumstance are irrelevant. they don't have to refund me, if it's fraud. 

I called the local police and they said they can't help since it happened online I have several screen shots of the texts, XXXX XXXX bid, email addresses and names.

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 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX, never gave us time to submit packet for modification, and short sale consideration and foreclosed on our home on XX/XX/2022. Please advise what options we have at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TX

Complaint narrative:
XXXX, TRANSUNION, AND XXXX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, XXXX USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, Transunion, and XXXX are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : XXXX ( Original Creditor : ). ACCOUNT XXXX TRANSUNION- Account name XXXX CLARO. Account number : XXXX Account name : XXXX . Account number:XXXX. NEVER WENT TO COLLEGE. 

Incorrect personal information that needs to be deleted : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Do not place a fraud alert on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened an online account at Chase Bank. I entered the wrong address XXXX XXXX XXXX XXXX XXXX Ohio XXXX. 
My right address is XXXX XXXX XXXX XXXX XXXX Ohio XXXX. 
Now all my mail is getting delivered there. I have since changed my address at the bank but I am still not receiving any mail whatsoever. I submitted a Request to the United States Postal Service on XX/XX/2022 with Case number # XXXX. XXXX XXXX at the XXXX office has contacted me and that she would look at the issue. I have not heard from her since XX/XX/XXXX, at XXXX am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: ID

Complaint narrative:
I had purchased XXXX XXXX digital giftcards from giftcards.com. After attempting to use the cards the number could not be found and after a few attempts just said zero balance. I contacted XXXX they had told me that they could see there was a balance on the cards but the cards were never activated. I then contacted giftcards.com and told them that and thier response was to contact XXXX again as they have nothing to do with it. I now have a XXXX investigation into my giftcards and waiting for response. I have since decided to just attempting to get a refund from giftcards.com. They claim they need to contact XXXX. After further review they had told me that the giftcards had no balance and could not process a refund. While it sounds like XXXX is doing what they can do giftcards.com is just attempting to Rob me of my money and could seem to care less. I have transcripts of proof from XXXX collaborating what I had told giftcards.com. Yet they still seam to want to do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted experian multiple times in regards to fraud accounts reporting on my credit report. I have provided them with an FTC report and a Police report in regards to these fraudulent items but they fail to comply and are violating my consumer rights pursuant FCRA 605B ( 15 U.S.C. 1681c-2

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX PXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
National Credit Systems Inc reported that I owe them {$150.00} when I stayed with XXXX XXXX XXXX XXXX XXXX. However, the debt actually belongs to someone else who stayed at XXXX XXXX XXXX XXXX Apartments but left even before I moved in. We have the same last name and our first names are similar. The first XXXX letters of the first names are the same. This might have caused the company to think that we are the same person. 

I entered the United States in XX/XX/XXXX for the first time and moved into XXXX XXXX XXXX XXXX Apartments in XX/XX/XXXX. However, this charge was caused by the previous tenant when they moved out on XX/XX/XXXX. I have US customs documents to prove this, if necessary. 

In XX/XX/XXXX, a debt of {$150.00} showed up on my credit report. XXXX refuses to remove the debt off of my credit report. So I had to contact National Credit Systems ( NCS ). NCS sent me the files including the itemized charges and the lease on their record. All these files show the previous tenant 's name on it, not mine. I disputed to them, sending my id, trying to prove to them that I am not the debt owner. I even sent them my US customs documents, showing that I had never even entered the US until this point. Still, they say that this is not enough, and I need more proof. 

This issue also happened in the past with this same person. They owed XXXX XXXX XXXX {$550.00}. This caused a mess to my credit report and I noticed it when I applied for my first credit card in XX/XX/XXXX. I called the main credit bureaus such as XXXX and XXXX to remove the debt for me. They did, without issue. 

The debt owner and I do not even have the same name and she moved out before I even entered the US for the first time. 

In the attached documents, you can see that debt owner and I are completely different people. 

Description for the attached documents : XXXX. XXXX XXXX- shows the debt information including name, amount, account number and the unit number of the XXXX XXXX XXXX XXXX apartment. ( All this information shows the debt owner is not me. ) XXXX. Itemized Charges {$150.00} from XXXX -- shows the charging details. Again, the listed residents are not me. 
XXXX. XXXX XXXX Disputer.pdf -- This is the lease I signed with XXXX XXXX XXXX XXXX apartment for unit XXXX, starting from XX/XX/XXXX. 
XXXX. XXXX XXXX Debt Owner.pdf -- This is the lease the debt owner signed with XXXX XXXX XXXX XXXX apartment for unit XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

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 2022-02-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been so patient with TransUnion but it seems they are just neglecting my request of removing the items I asked them to do. Some items were not related to me and some of the furnishers were not authorized. I would like them to be removed immediately if no proof is provided. 
Incorrect addresses : XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00}

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 2022-02-01 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: EQUIFAX, INC.
State: FL

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 Validate Account 1. XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

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

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

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