vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX i send a dispute to Experian regarding missing and incorrect information on being reported to my credit report. XX/XX/ at XXXX my dispute letter was received by Experian and they have not responded.

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 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Today, XX/XX/2023, I logged in to THE HOME DEPOT services account to make a payment on my bill. I authorized a payment of {$250.00} on their website. At approx. XXXX XXXX  today ( Central Time ), I was checking my emails and found a message from Home Depot at XXXX XXXX  which indicated {$6100.00} had been submitted for withdrawal from my account by EFT. I did not authorize that amount. I have a XXXX XXXX and can not constantly check my email and was quite surprised this had occurred. When I found out, my bank had closed in-office banking hours and unable to stop the payment. I called Home Depot services # on the back of my credit card and the lady tried to help but because it was after their business hours in New York and I was out of luck. The withdrawal is scheduled for tomorrow XXXX  and these transactions usually show up in my account around XXXX XXXX  ( CT ) -- before my bank XXXX XXXX Bank ( routing # XXXX ) opens.

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 2023-02-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charge off account that has been reported on my credit report by XXXX XXXX ( account number : XXXX ). 

I would like to request proof of the debt and its validity, as I have no recollection of ever opening or using this account. Additionally, I believe that XXXX  XXXX may have violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. 

Under the FCRA, it is the responsibility of the credit reporting agencies and creditors to report accurate and verifiable information. If they can not provide proof of the debt and its accuracy, the item should be removed from my credit report. 

I request that XXXX XXXX investigate this matter and provide me with the necessary documentation to verify this debt. If the company is unable to provide such documentation, I demand that the item be removed from my credit report immediately. 

Thank you for your attention to this matter. I look forward to hearing back from you soon. 

Sincerely, 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 explanation
Consumer complaint received 2023-02-28 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: LEXISNEXIS
State: UT

Complaint narrative:
I was on my familys auto insurance plan and they began looking for new auto insurance in the month of XX/XX/XXXX. When my father was discussing new auto policies with the agent, the agent informed him that LexisNexis is reporting that I had been issued a ticket in XX/XX/XXXX in the state of Washington along with a vehicle fuel charge along with that ticket. This is very inaccurate as 1 ) Ive never driven to Washington or even have been to the state of Washington. 2 ) I have an all electric vehicle and have owned it since XXXX so there would not be a vehicle fuel charge since my vehicle is all electric. 

I paid the Utah XXXX to pull my driving record and send it to me in XXXX under my license number and my driving record is completely clean with no tickets. I also called Washington courts to check my drivers license number and search for a ticket but they have no record of me under my license number, name, date of birth, and SSN. 

I provided LexisNexis with this information and they still have not removed this from my report. I am unable to renew my auto insurance as the insurance can not give me a fair rate due to this inaccurate reporting of a ticket under my account. 

I need this resolved ASAP so I am following up with LexisNexis weekly but they are making no progress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
on XXXX i requested a payoff from chase on my credit card as their interest was getting out of hand. i was giving a payout balance of {$26000.00} which i immediately payed off this by transferring this amount to other card with o % interest. i received a statement showing my balance was {$0.00} dollars no interest charged. on XXXX i received a new statement showing that i owed XXXX interest. when i called them for an explanation they said this was interest of a rolling balance even though i told them i had got a payoff number on XXXX i asked them to resend this interest but they refused at several levels. i think this is predatory and taking advantage of a consumer. it is for these reasons that i am asking your agency to intervene on my behalf. thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28 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: PA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2023 Equifax claims that I disputed information about my XXXXXXXX XXXX XXXX account they have on my credit report this dispute is fraud did not file a dispute on this day and they never sent me a notification of this dispute I had found it by accident while looking at my report I believe they are trying to illegally change information on my credit report so they do not have to remove an account due to false and inaccurate information. This is fraud and I'm I have gotten an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Somebody used my information, name and social, to apply for a credit card on XXXX XXXX. The credit inquiry on my XXXX account came from ComenityXXXX XXXX on the above date. I have already filed a dispute with XXXX and have contacted Comenity Bank to have them decline the application and close all that down. According to XXXX, my next step is to file a report with you all and send it in to them. Thank you for any and all help in the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
Robinhood transfered unauthorized XXXX from my XXXX XXXX  account in 2021, even aftrr trying to reach out to them they did not resolve our issue XXXX XXXX  did not do proper investigation in our claim and did not credit monet back to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
Lenders are not honoring XXXX  modifications granted by the federal government. 

My loan has been bought and sold several times and the lenders are not aware that the loan was modified by XXXX XXXX while with XXXX XXXX XXXX. Since my Covid modification was offered and accepted, each time the lender will sell the loan to another and not include and of my modification paperwork. It appears as tho they are defrauding each other. 

Each time a new lender purchases my loan, they refuse to allow me to make payment. As reluctant as they are, I have still managed to get them to take payment each time and my loan is current. However, they keep processing my payments and then say that my payments have not been made. This has kept my house and good name on the foreclosure list now for an entire year. This has soiled my good name as a real estate investor in my city, and it continues to cause me distress. 

This is predatory lending. They are not honoring my Covid modification and I am on time. Every payment has been made up to this point. Each lender keeps selling the loan to another without including this up to date information or my modification. 

The lenders that are doing this are ; XXXX XXXX XXXX XXXX XXXX XXXX, and now Shell Point a division of newrez. 

Ive included a copy of my Modification granted by XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
I received a text for a work from home opportunity on XXXX XXXX XXXX XXXX. I was told to email a guy named XXXX XXXX through XXXX to get the job process started. I downloaded the XXXX app and started messaging the guy named XXXX XXXX. He informed me about the company and the job responsibilities that I would be doing. He sent many interview questions for me to answer in order to determine if I was a proper fit for the position. I answered all the questions then he gave me a score of XXXX. I got offered the position as an XXXX XXXX XXXX. Fast forward, He said the company provides the equipment for the job but I would have to receive checks from him in order to send them to the vendor to receive the equipment. The first check was for {$2300.00}. He told me to print out the check he sent through XXXX and then deposit it to my account. I did that then he said send {$1000.00} to the vendor. I did that then he said send {$1200.00} to the same vendor. I also did that. Day later, the bank said the {$2300.00} check in fake. But before that, he sent me another check for the amount of {$2000.00}. I found out today that check is fake as well. Now I owe my bank for the first check. The amount is {$2200.00}. I don't have that to pay back the bank and also it is not my fault. The second check was caught before I was able to take any further action. Thank God! XXXX is not helping me at all. They say I have to go through the actual bank to settle this matter. Santander is giving me a difficult time and they told me it usually very hard to get money back when involving XXXX  Documents : I have much more evidence to provide but can't at this time.

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 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
XX/XX/2022 is when I first noticed a balance owed of {$2000.00} to my tradeline from Helvey and Associates for XXXX XXXX. This is not my debt. I was the victim of identity theft. My information was left in the home they apparently rented after me. They opened a credit card, XXXX, and lights in my name. I left the home in which belonged to my ex and only packed my clothes and moved 3 hours away  for a job. I have not lived in XXXX XXXX in 7 plus years. I live 3 hours from there. Please remove.

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 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
MY DIRECT DEPOSIT ALWAYS DEPOSITS ON A TUESDAY NO LATER THAN XXXX! IT'S NOW XXXX AND I DON'T HAVE MY PAYCHECK. CHIME IS BEING UNRESPONSIVE AND LYING TO CUSTOMERS ABOUT THEM NOT BEING DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute two items on my credit report : a charge off account from XXXX XXXX with the account number XXXX and a charge off account from XXXX with the account number XXXX. 

Upon reviewing my credit report, I found that these accounts were reported inaccurately. I do not believe that I owe the reported amounts, and I have not been provided with any documentation supporting the reported debts. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and to receive an investigation of the disputed information. Additionally, the FCRA requires that information on my credit report be accurate, complete, and verifiable. 

I am requesting that these accounts be investigated and verified by the credit reporting agencies. If the accounts can not be verified, I request that they be removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize and need them deleted asap

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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute two items on my credit report : a charge off account from XXXX XXXX with the account number XXXX and a charge off account from XXXX with the account number XXXX. 

Upon reviewing my credit report, I found that these accounts were reported inaccurately. I do not believe that I owe the reported amounts, and I have not been provided with any documentation supporting the reported debts. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and to receive an investigation of the disputed information. Additionally, the FCRA requires that information on my credit report be accurate, complete, and verifiable. 

I am requesting that these accounts be investigated and verified by the credit reporting agencies. If the accounts can not be verified, I request that they be removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-02-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute two items on my credit report : a charge off account from XXXX XXXX with the account number XXXX and a charge off account from XXXX with the account number XXXX. 

Upon reviewing my credit report, I found that these accounts were reported inaccurately. I do not believe that I owe the reported amounts, and I have not been provided with any documentation supporting the reported debts. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and to receive an investigation of the disputed information. Additionally, the FCRA requires that information on my credit report be accurate, complete, and verifiable. 

I am requesting that these accounts be investigated and verified by the credit reporting agencies. If the accounts can not be verified, I request that they be removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I dont have no knowledge of any debt owed to any of these companies associated with the account names and numbers listed below. I do not owe them any money! 

Cavalry protfolio # XXXX Amount : XXXX XXXX XXXX # XXXX Amount : XXXX XXXX XXXX XXXX Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: MO

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 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