vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: TX

Complaint narrative:
I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. 

Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. 
The following accounts were the ones affected by identity theft. 
XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX I have tried to process my requests with the bureaus but see no progress! This is hurting my financial health. It has been longer than XXXX days where I sent out my first certified letters to each bureau. I demand a proper investigation with proof. 
Per 15 U.S. Code 1681s2 - A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Please be advised this is my last request before I fully intend to pursue litigation in accordance with the XXXX  to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed still remain on my credit report in violation of Federal Law. You are required under the XXXX  to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

All of these accounts were not open by me and are still on my report. I have attached the XXXX identity theft report. DELETE THEM ASAP PLEASE. XXXX REPORTS # XXXX & # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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:
I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. 

Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. 
The following accounts were the ones affected by identity theft. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank of XXXX # XXXX XXXX XXXX XXXX I have tried to process my requests with the bureaus but see no progress! This is hurting my financial health. It has been longer than XXXX days where I sent out my first certified letters to each bureau. I demand a proper investigation with proof. 
Per 15 U.S. Code 1681s2 - A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Please be advised this is my last request before I fully intend to pursue litigation in accordance with the XXXX XXXXo enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed still remain on my credit report in violation of Federal Law. You are required under the XXXX to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

All of these accounts were not open by me and are still on my report. I have attached the XXXX identity theft report. DELETE THEM ASAP PLEASE. XXXX REPORTS # XXXX & # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: TX

Complaint narrative:
I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. 

Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my XXXX XXXX and hurting me financially to start up my future. 
The following accounts were the ones affected by identity theft. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX I have tried to process my requests with the bureaus but see no progress! This is hurting my financial health. It has been longer than XXXX days where I sent out my first certified letters to each bureau. I demand a proper investigation with proof. 
Per 15 U.S. Code 1681s2 - A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Please be advised this is my last request before I fully intend to pursue litigation in accordance with the XXXX to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed still remain on my credit report in violation of Federal Law. You are required under the XXXX to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

All of these accounts were not open by me and are still on my report. I have attached the XXXX identity theft report. DELETE THEM ASAP PLEASE. XXXX REPORTS # XXXX & # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: WA

Complaint narrative:
I called Experian a few months ago when this first appeared on my credit report and called the company reporting this information as well. The person I spoke with at Experian took my dispute information and submitted on my behalf. A few days later I received notification that the account was verified. I called the XXXX XXXX and tried to tell them this isn't my account and I have no idea what this is all about. The person was rude and stated " yeah we hear that all the time and proceeded to tell me it's in your name so it's your account. '' According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with friends, neighbors, or associates of the consumer with who he/she is acquainted or whom may have knowledge concerning any such items of information.

They stated the account was verified but, how is that possible f they did not do a proper investigation according to the law. Also the information pertaining to this account is still reporting and not accurate.

According to FRCA 15 USC 1681 everything has to be 100 % accurate. 

Account - XXXX XXXX XXXX ( originator ) XXXX XXXX XXXX ( collection agency reporting to the credit bureau ) Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$410.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$410.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XXXX XXXX, XXXX XXXX, XX/XX/XXXX to XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have had a personal account with Wells Fargo for several years. On XX/XX/XXXX, I deposited a business check from my company account into my Wells Fargo account for {$1500.00}. 

On XX/XX/XXXX, I received an emailed notice from Wells Fargo that they were releasing about {$220.00} of the deposited fund, and holding the rest for XXXX days until XX/XX/XXXX. 

On XX/XX/XXXX, I received a further emailed notice from Wells Fargo that they were extending the hold to the entire deposited amount, and adding XXXX more days to the hold until XX/XX/XXXX. 

The deposited item paid through my business account the night of XX/XX/XXXX. 

Wells Fargo will not release the hold, and the funds are not available. 

Wells Fargo tells me that this hold is " for my protection ''. They will not even consider checking to see whether the funds have been received by Wells Fargo. No customer service person online, over the phone or in person will assist me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05 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: NJ

Complaint narrative:
I am a victim of Identity Theft and this what happened On, XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, months later, to be exact, on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, I started my disputes to the credit bureaus very often, but so far since that time date, I have submitted package of Identity Theft XXXX time, Unfortunately, I pulled my updated credit report, and these accounts still appear : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX ( XXXX accounts ), XXXX XXXX XXXX ( XXXX XXXX ) ( tow accounts ), I want these accounts to be remove on my credit report, because it is affecting my ability to more credit cards.

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 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
BSI Financial Services has collected {$2400.00} in escrow payments for insurance but has not paid the insurance for the property after multiple requests by myself and the insurance carrier. As a result, my insurance has been dropped and BSI has been non-responsive. It is important to note that BSI would not approve the mortgage loan unless the insurance and taxes were escrowed and included in my monthly payments, so their not paying the insurance after demanding the payments be escrowed is fraud and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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:
I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. These accounts have been reinserted and duplicated accounts after being remove and under XXXX that is a blatant violation to my personal credit and financial sustainability. 

I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.

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 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX Chase / Chase XXXX XXXX XXXX XXXX Hello, my name is XXXX XXXX and on XX/XX/2022, I and my family planned a trip to Hawaii for this summer from XX/XX/XXXX to XX/XX/XXXX. I charged and booked our flight directly through the Chase portal because of the points that I will be getting and it is convenient. However, most recently around XXXX, something came up and we will not be able to fly this XXXX and I have to cancel our flight which I thought it's going to be quick and no problem because I booked a refundable flight and it was confirmed on my email as well. 

On XX/XX/XXXX Wednesday, I decided to speak to a representative at Chase from their Ultimate Rewards Travel Department to tell them that I have to cancel my trip for a family emergency reason however when the first representative check it shows that it wasn't but I insisted it is refundable and later on when she double-check she has confirmed it was a refundable trip. 

Moreover, during the call when she was checking the " policy '' she was telling me that even if it is refundable the airline " XXXX XXXX '' is requiring them to charge me {$200.00} per passenger to cancel the trip even if it is refundable. I got alarmed with this and I told them there's no way because I don't see that on the email they sent and even on their portal itself. 

Furthermore, I decided to tell them I'm going to call XXXX XXXX to confirm if they charge their customer cancellation fee of {$200.00} per passenger for refundable flights and they told me if the flight is refundable they will refund 100 % and since I booked mine through the agency or through Chase he couldn't do anything and the charge is from them.

I contacted back Chase and informed them about it but they just wouldn't honor it, even after speaking to the supervisor. I am really frustrated at that time and I felt robbed because they were not honoring what they sent to me about the policies and they can't even provide any information telling me that the {$200.00} charge per person or a total of {$800.00} is really an XXXX XXXX charge or where is this exactly on the rules and policies. They ended up charging me {$800.00} just to cancel the flight and I feel so helpless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, we lived at XXXX XXXX XXXX XXXX and XXXX our rent on time and early without any issues at all. However, after we paid our final rent for XX/XX/XXXX and moved out of the apartment in order to move to our new House. we were first told by the XXXX at the time that we didn't need to pay that rent since we were on a monthly lease and then they said that they would not refund us the {$1100.00} we overpaid since they were going to withhold the money in order to pay for " Damages '' that were incurred even though they were representative of living with my wife and XXXX children for 8 years without the apartments even coming by for an inspection and repairs ; that was normal wear and tear. and without my knowledge, they then took my account to Allied Collections for the amount of {$1900.00} since the end of XXXX and I never received a formal letter or call from Allied Collections stating that I had any debt to owe and they have ruined my credit for no reason since we were denied for an auto loan and that negative mark showed up on the report. My XXXX called the XXXX XXXX days ago and asked why they hit our credit report with a collection and they said that it was because of unpaid rent even though I still have receipts proving that I had paid rent XXXX in the month of XX/XX/XXXX and they suddenly could not provide us with receipts that we had paid our rent on time. So my XXXX  then called advanced management and emailed their president and she got a call from the regional XXXX XXXX XXXX stating that the debt sent to us was sent in error and they should not have even charged us for normal wear and tear and that she will call her back in a day to rectify that but she never called her back. I went ahead and filed a dispute with XXXX and I have come here to file a dispute with the CFPB in order to rectify this

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 2022-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI

Complaint narrative:
In XX/XX/XXXX, Ex-sponse, XXXX was told, XXXX XXXX XXXX Accepting Car will continue to belong to XXXX XXXX the Co-owner, so order. I asked Nissan Motor Acceptance to remove him as the Owner. I had been reaching out to them to update this information since XX/XX/XXXX. I told them he Closed our Bank account and stop supporting our XXXX from XXXX XXXX To XXXX. That's when my Alimony Benefits started XXXX late.Then I had a started part-time job @ XXXX XXXX XXXX XXXX XXXX , In XXXX XXXX XXXX  ( Laid off ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I continued to pay on my Car. I just need his name off on my Car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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:
For the record I have advised Experian on multiple occasions that the reporting of a dispute account was inaccurate. I contacted the creditor directly through certified mail requesting Debt validation with a letter dated XX/XX/XXXX. However, the creditor failed to provide me debt validation. I then attempted to dispute this account through Experian 's Online Dispute center. On XX/XX/XXXX Experian updated their reporting to include late payments on a charge-off. The disputed account was supposedly charged off in XXXX however the results of Experian investigation resulted in them reporting the account as a charge off with late payments as of XX/XX/XXXX. I made my second attempt to have Experian correct their reporting or removal of this account through certified mail with the dated XX/XX/XXXX. This letter also included a copy of the letter I sent to the creditor. Experian later came back with dispute results that still reported the account as a charge-off that was past due as of XX/XX/XXXX. Experian made no attempt to investigate their reporting of this account. I followed up with Experian through certified mail with letter dated XX/XX/XXXX. I included copies of all my attempts with this letter. I also included XXXX findings of this account. On XX/XX/XXXX Experian claims to have investigated and updated the results of their reporting. Instead of doing the right thing and removing this erroneous reporting. Experian buckled down with more erroneous reporting. Experian is now reporting this account as a charge-off with late payments as of 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 explanation
Consumer complaint received 2022-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I had 2 companies pull my credit report in the last year, XXXX reported to my car insurance that I had too many credit inquiries. That is outrageous! 2 credit pulls in Order to refinance our mortgage. Also, that my oldest credit account has been open for a short time. Also, outrageous. I have had my credit accounts for years. Also, insufficient time since last retail account. Also outrageous. I have had my retail accounts for years. I use the same two credit accounts when I shop and pay the balance in full each statement. I want this fixed. I have a score of XXXX and I have a credit monitoring service. I want these errors on my report fixed.

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