vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 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: GA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$700.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX 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 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX  GA XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) 61956**Balance : {$700.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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 was a victim of wired fraud in the amount of XXXX. I have contacted Wells Fargo multiple times. Its been almost two months and they have been giving me the run around for that amount of time. No one seems to know what is going on and this is causing me great hardship.

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 2022-08-24 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: NC

Complaint narrative:
This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: NC

Complaint narrative:
This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX 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 2022-08-24 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: FL

Complaint narrative:
I have sent our multiple letters to each Credit bureaus about reporting Inaccurate information on my consumer report to other companies without my consent or authorization ( Identity Theft ). Due to each bureau reporting this has caused me to be denied for the necessaries I need to live such as a home, car, credit cards, business lines of credit etc. As the consumer I am not Injuries by the actions that have been taken by the bureaus. This has caused me a MAJOR hardship, the damages and losses have been tremendously over whelming. I have called and sent out letters by mail, as well as filing multiple disputes multiple times Since XX/XX/XXXX up until today XX/XX/XXXX. The bureaus have not responded back and the in accurate information is still being constantly reported. I have bee receiving letters in the mail from third party debt collectors saying that I owe them. I never set up an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
( Chase XXXX XXXX. XXXX ). My son is a Chase Bank customer. His rent check dated XX/XX/XXXX to his landlord for {$1300.00} was stolen from the mailbox and cashed by the criminal on XX/XX/XXXX at XXXX XXXX. Chase deducted that amount from my son 's account. My son reported this to Chase and filed a claim in XX/XX/XXXX with all the required info. Chase told him several times in XXXX that it would take 60-90 days to get his money back into his account. Since then, Chase has done nothing but give us the run-around, and to date still has not reimbursed my son 's account. Chase claims it is XXXX XXXX 's responsibility. Around XXXX XXXX, I called Chase again after no response or resolution in over 5 months, and Chase promised they would " escalate '' it internally and be " on top of it. '' But nothing happened. On XX/XX/XXXX, Chase mailed my son and claimed again it was XXXX XXXX 's responsibility and that they would close the claim if XXXX XXXX does not respond. I spoke to Chase several times in the last 2 weeks, and they again promised to escalate it. Nothing happened. On XX/XX/XXXX Chase told me that they are waiting on XXXX XXXX. Meantime, I have spoken to XXXX XXXX and they tell me it is Chase 's responsibility. It has been now nearly nine months and my son still has not been reimbursed the {$1300.00} stolen out of his Chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: FC HoldCo LLC
State: AL

Complaint narrative:
15 u.s.code 1681a your company is clearing violating the law rules of construction

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 2022-08-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions.

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 2022-08-24 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: FL

Complaint narrative:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-24 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: FL

Complaint narrative:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: TX

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2022-08-24 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to delete in my personal file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-24 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:
Looking at my reports I see that your company is alleging that the accounts attached to this complaint are negative. Your company is furnishing negative information without proof of verification of this debt, or that you have followed all laws and regulations to report. There for you must remove the accounts that are attached this complaint. 
I am aware that reporting information that has not been proven to be accurate is against the law. 
I demand that you provide me with concrete evidence of my obligation to the accounts listed in this complaint. 
Please understand that as a consumer I am aware that negative remarks reporting on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. If you are not able to provide the full reports on how you validated, verified, and how you are in compliance then your must remove the accounts from my credit report. 
Acct 1 beginning with XXXX, Account 2 beginning with XXXX, Account 3 beginning with XXXX, and Account 4 beginning with 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 2022-08-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Looking at my reports I see that your company is alleging that the accounts attached to this complaint are negative. Your company is furnishing negative information without proof of verification of this debt, or that you have followed all laws and regulations to report. There for you must remove the accounts that are attached this complaint. 
I am aware that reporting information that has not been proven to be accurate is against the law. 
I demand that you provide me with concrete evidence of my obligation to the accounts listed in this complaint. 
Please understand that as a consumer I am aware that negative remarks reporting on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. If you are not able to provide the full reports on how you validated, verified, and how you are in compliance then your must remove the accounts from my credit report. 
Acct 1 beginning with XXXX, Account 2 beginning with XXXX, Account 3 beginning with XXXX, and Account 4 beginning with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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:
Looking at my reports I see that your company is alleging that the accounts attached to this complaint are negative. Your company is furnishing negative information without proof of verification of this debt, or that you have followed all laws and regulations to report. There for you must remove the accounts that are attached this complaint. 
I am aware that reporting information that has not been proven to be accurate is against the law. 
I demand that you provide me with concrete evidence of my obligation to the accounts listed in this complaint. 
Please understand that as a consumer I am aware that negative remarks reporting on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. If you are not able to provide the full reports on how you validated, verified, and how you are in compliance then your must remove the accounts from my credit report. 
Acct 1 beginning with XXXX, Account 2 beginning with XXXX, Account 3 beginning with XXXX, and Account 4 beginning with 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 2022-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX filed a Motion for Summary Judgment. Within the Motion is a list of fees and costs as well as the principal balance. These numbers seem to change often. Additionally, there is a special advance charge for property inspections. No one has ever been to my home to inspect it. I would like proof of the inspections; i.e. a report, pictures, the name of the company who performed the inspections, etc. 

If there is no proof of any inspections, this amount should be deleted from fees and costs the lender is claiming is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter on XX/XX/22 to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My debit card was stolen on XX/XX/XXXX and was used at many different places without my authorization. There is a total of {$2200.00} of fraudulent charges- at gas stations, grocery stores, and ATMs that were not made by myself. XXXX charges were of cash back at XXXX grocery stores- in a row. This is a Chase debit card and Chase refuses to investigate further. I have spoken to 3 supervisors in the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: NV

Complaint narrative:
On XX/XX/2022, The debt collecting company XXXX XXXX XXXX XXXX Brought a debt from XXXX XXXX  XXXX. And has reported this debt to my consumer reports accounts with out prior consent. Not only has this affected my credit report negatively, but I have also been discriminated against by banks and lenders which ultimately affects my family. These abusive practices has hindered forward growth.

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 2022-08-24 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: NV

Complaint narrative:
On XX/XX/2022, The debt collecting company XXXX XXXX XXXX XXXX Brought a debt from XXXX XXXX XXXX  And has reported this debt to my consumer reports accounts with out prior consent. Not only has this affected my credit report negatively, but I have also been discriminated against by banks and lenders which ultimately affects my family. These abusive practices has hindered forward growth.

Company response to consumer: Closed with explanation