vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2022-03-04 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: MD

Complaint narrative:
US Bankruptcy Court Maryland chapter XXXX-dimissed XX/XX/XXXX, and US Bankruptcy Court Maryland chapter XXXX-discharged XX/XX/XXXX, XX/XX/XXXX, therefore, please remove these erroneous reporting from all three credit reporting agencies, XXXX, XXXX, and Experian 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 2022-03-04 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: WI

Complaint narrative:
There is a mortgage from XXXX XXXX  company that does not belong to me. This is my ex-wife. Somehow, even though I make no payments on this mortgage, and the name on it is not my legal name, this is being reported to the credit agencies with a devastating impact on my credit. 
XXXX refuses to give me any information about this mortgage. Repeated calls to them have been useless. How can I fight to get this off my credit report when I am unarmed with the facts? 
This only showed up on my credit 18 mo ago, NEVER prior to 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 2022-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been a Kohls credit card holder for over 4 years. Recently I had a balance of over {$600.00} that I thought I completely paid off so I wasn't expecting a payment to be due at all. This was in XXXX, fast forward to XXXX I get a alert from XXXX XXXX that I had a 30 day late reported on my Kohls card. i immediately looked into it and realized there was a {$10.00} balance left from XXXX ( I don't know why ). I have been in XXXX  since XXXX, so I did not get any statements as my address is in XXXX, besides that I did not receive a phone call in XXXX or XXXX from Kohls to let me know that I had a missed payment. Now I am in the middle of purchasing a home and I have never been late on this card, Kohls refuses to take ownership of the fact they never notified me that I missed a payment. a {$1.00} minimum payment was apparently due in XXXX. Now my life is ruined for {$1.00}. Please there has to be something you can do to help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MO

Complaint narrative:
The JEFFERSON CAPITAL SYSTEM ( Original Creditor Name : XXXX ) XXXX is being reported as a collection account in my Credit Report. This debt is already settled. Moreover, this collection account has a Past Due amount. I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My social security number which was recently issued to me migrating to this country in XX/XX/XXXX. When i was nally able to check credit reports and scores there were address listed that i never lived at and phone numbers that i never had and accounts that were open years before i migrated  to the US. XXXX XXXX XXXX account ending in XXXX according to XXXX credit report is not mine. This account needs to be removed because this is impacting me every day of my life. Again this account is not mine never was and never will be because i migrated to the US in XX/XX/XXXX and this account was open XX/XX/XXXX. There's also a slew of inquiries from several creditors that i have never submitted applications with. The inquiries re from XXXX. XXXX, Equifax & XXXX have repeatedly allowed inquiries to appear on my credit report without proper verification especially since Identity theft has been noted on my account since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My social security number which was recently issued to me migrating to this country in XX/XX/XXXX. When i was nally able to check credit reports and scores there were address listed that i never lived at and phone numbers that i never had and accounts that were open years before i migrated to the US. XXXX  XXXX XXXX account ending in XXXX according to XXXX credit report is not mine. This account needs to be removed because this is impacting me every day of my life. Again this account is not mine never was and never will be because i migrated to the US in XX/XX/XXXX and this account was open XX/XX/XXXX. There's also a slew of inquiries from several creditors that i have never submitted applications with. The inquiries re from XXXX. XXXX, XXXX XXXX Transition have repeatedly allowed inquiries to appear on my credit report without proper verification especially since Identity theft has been noted on my account since 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 2022-03-04 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: FL

Complaint narrative:
Experian has blatantly disregarded my dispute letter in regards to this alleged debt. I have sent multiple method of validation letters requesting how they verified this debt and irrefutable inaccuracies letters and to no avail the dispute was closed multiple time with no method of validation toward the validity of the debt. 

The original balance being reported for XXXX XXXX is {$1500.00}, yet it's currently being reported as balance owed as {$1500.00}. Also, a collection account can't have a past due amount due. 

I've sent numerous letter to Experian advising of said information and to no avail have they haven't acknowledged said inaccuracies or deleted said accounts to abide by the FCRA compliance. They just cant verify the accounts by telling me that it has been verified per FCRA 15 U.S.C 1681 ( a ) ( 4 ) when there are clear inaccuracies with supporting document providing such proof. 

Also, how can two debt collection companies XXXX XXXX XXXX and XXXX XXXX attempting to collect on the same alleged debt of {$3700.00}. 

Please see the attached recent method of validation letter sent, certified receipt 's of letter sent to Experian. More so, a screenshot from Experian.com of this account showing the inaccuracies. Also, the mail sent by XXXX and XXXX XXXX XXXX 

This is clear violation of my civil rights and FCRA. Permanently delete said accounts asap for inaccurate furnished data to comply with FCRA guidelines

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 2022-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-03-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
First name : XXXX XXXX Last name : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number : XXXX Ach routing number : XXXX Checking account number : XXXX email : XXXX Tel : XXXX This person promised me to send me a check of XXXX USD to me. He added XXXX USD for fee in his bank when he issues a check, XXXX USD for delivery fee and service fee. In total, XXXX USD. I wired my money on XX/XX/XXXX. In the mean while, I told him that I don't need his check. He agreed that he would return it back to me. I said to have XXXX USD for him, and send me XXXX USD only. He agreed on the phone call. When the money arrived at his bank account on XX/XX/XXXX, he did not send any of the money and he lies that his bank ( bank of america ) let him to withhold the amount for some reason. After that, he does not answer any of my call or emails. He has my bank account information which has all addresses, emails, phone numbers, etc. He got to know me through XXXX. It is the website for the XXXX  people in NY area mainly. He posted my XXXX  profile photos, etc in order to shame me and insist that he was not a scam, but I was a scam. First, I don't understand why he insisted that he called his bank. Second, he argues that the bank of america told him to withhold my money which is wired into his account. I think the first and the second is a lie because he wants to have that money. From that point, he uses " XXXX, '' the online community for XXXX  in New York, to argue that I am a liar, not him. He post profile pictures of mine about three times, and wants to get positive comments about his behavior. Now, he avoids the call and I don't know when I will have my money back, as he promised. He said he would wire money when his bank says yes you can. But this is all bypass to avoid his direct responsibility and gain time. 

He has to wire money back. Initially, when I cancelled his promise because my box- delivery to the U.S. has been arrived. He promised me when my box did not arrive. When my box was prospective to arrive at the place, he said on the phone that he will return all the money that was then coming to him. I said, it is my gratitute, so you can have XXXX USD out of XXXX USD because the initial contract somehow changed. XXXX USD was initial service fee for XXXX XXXX XXXX, the rest of XXXX USD was the amount of check in the XXXX XXXX  that he promised to send to me. He did not send the check of XXXX USD, and he does not have XXXX USD. He all has XXXX USD on his account and does not answer my call, just post his words in 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 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: V.I.P. MORTGAGE, INC.
State: AZ

Complaint narrative:
When I purchased my house i didnt put 20 % down. So Im paying mortgage insurance ( PMI ) my loan amount is {$470000.00}. I called my mortgage company couple time to reevaluate my property bec the market is going really up, and my house right now worth more than {$700000.00} easily. So I called the first time on XX/XX/XXXX to remove the PMI, I waited 2 weeks and they never got back to me. So I called them again they said that my request is closed. When I asked why they didnt tell me. When I asked for appraisal they said they will mail me some paperwork. I called them again XX/XX/03 they said my XXXX is at 92 % which absolutely in correct, the house next to mine sold for {$740000.00} and with no pool like mine So Im not sure what to do? I need your help. Thank you

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 2022-03-04 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: KY

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2021 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. COLLECTION NAMES XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection 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 2022-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-03-04 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: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a Citi Aadvantage card. I paid the balance down every time I used the card through a XXXX business checking account. I racked up {$8000.00} charges. While my XXXX XXXX Bank Account was debited every time I paid the credit card, Citi closed my credit card abruptly. They said there was an error, being my account that I was paying from is a Savings account. However, I never paid from a savings account. I paid from a business checking account. I reached out to Citi and they said I would also not get the aadvantage airline miles in the quantity they promised. I told Citi they needed to give me my miles. I only got the card because they advertised a bonus for advantage miles on XXXX XXXX that I need to see my daughter. Citi reneged on its commitment, even after admitting the reason they closed the account was their mistake. Then, they tanked my credit from an 800 to less than 600 because they said I never paid. Citi scammed me and wrecked my credit, while lying about delivering points for expenditures.

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 2022-03-04 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
XXXX XXXX XXXX lease XXXX XXXX XXXX XXXX XXXX SC XXXX 

Lease financed thru XXXX XXXX XXXX XXXX/Chase Auto . 
The vehicle was registered in SC the entirety of the lease XXXX. 
The vehicle taxes were paid to SC the entirety of the lease XXXX. 

10-months after the vehicle was turned in I received a bill from Chase Auto in the amount of {$860.00} for taxes owed in TX.

Again, the vehicle was registered, garaged and taxed in SC the entirety of the lease.

I have called 3-times. I have sent a certified letter. I have spoken with 3 Chase representatives today. And I finally paid the bill in protest today, fearing Chase would ruin my credit over their blunder! 

I am providing all vehicle registrations. 
I am providing all SC tax receipts. 
I have names of Chase reps with whom I engaged.

Company response to consumer: Closed with monetary relief