vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In my previous dispute against Equifax, they responded that the collections, charge-offs, and late payments were all verified as accurate. I would like to know what method of investigation was used to verify the accuracy and validity of the disputed accounts? 

According to 15 USC 1681b section 1 & 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given to furnish these fraudulent accounts? This is aggravated identity theft and defamation of character. I have not been able to qualify for a loan for my house because of these unfair and inaccurate practices. I will reattach the previous dispute letters and affidavits so that you can use them as a guide as to which account/inquiries should be removed and DO NOT add a fraud alert. My next step is civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
I received a refund from my Insurance company ( XXXX XXXX ) and I called asking why I received a refund and they said that they cancel my policy due to non payment from Rocket Mortgage. But because there was an issue with the first check, Rocket Mortgage sent out the second check the next month. But the check did not arrived in time and my insurance was cancelled. I called Rocket mortgage to fix this and they dial my Insurance company to get this reinstated and made sure that no fee will apply to me. Then I received a letter stating that I will be charged {$72.00} due to lapse in insurance between XX/XX/2022 to XX/XX/2022. On XXXX XXXX called asking about this issue and they said it was a valid charge. I then called XXXX XXXX to explain about this issue. I have paid my monthly mortgage/ escrow account in a timely manner but because Rocket Mortgage failed to confirm that my money has reached my insurance in a timely manner, I will be charged {$72.00} and insisted that they are not at fault because they sent it out in time without confirming payment. There is no receipt confirming payment or anything from XXXX XXXX. But because I am the burrower, they want to charged me this {$72.00} fee due to policy. I then called again today ( XX/XX/XXXX ) and spent over an hour having this conversation with Rocket Mortgage and their argument is that this is a valid fee due to them just sending out the money and I am arguing that this is not a valid fee due to Rocket Mortgage negligence to confirm payment. They refuse to remove the fee and they wanted my insurance to extend the coverage to those dates in order to remove it. I told them the insurance will not do it and I even call the XXXX XXXX agent that is assigned to me and confirm that they can not extend the coverage. They insist that they want to make the phone call but I ask them what happen if XXXX XXXX refuse to extend the coverage? Their answer is that they will still charge me {$72.00} due to the reason still being " Valid. '' Now I am still waiting for their call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
freedom debt relief promised me debt free in as little as 48 mos and i already completed paying them 48 mos, and still asking more time and payment and found out they charged me exessive fees and more fees total money i gave them not even half goes to my creditor i called them and the solution they did was to terminate my contract which i believe shoul have been completely done not terminated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 i sent off a debt validation letter to the alleged debt Collector XXXX XXXX & they returned to sender saying that address is unknown & invalid when this is the address clearly showing on my Consumer report. If address information is invalid then surely the information being reported is to my understanding INACCURATE also. 

In accordance with the Fair Credit Reporting act XXXX XXXX # xxxxxxxxxx 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is my 5th endeavor to tell XXXX and TransUnion credit bureaus that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  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 2022-09-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The Bank of America institution is monitoring my credit. I do not have an account with this financial institution and have not consented to this monitoring. 

The checks happened on the following dates without my knowledge or consent : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022

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 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX, was denied an extension of credit by Goldman Sachs Bank USA XXXX On XX/XX/2022, I applied for AppleCard. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( a ) ( 3 ) and you assume civil liability pursuant 15 U.S Code 1691e. 

Goldman Sachs Bank USA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 via email is both proof and evidence that I have been discriminated against, you are also criminally liable. Goldman Sachs Bank USA should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a natural person, I am I am a living human being I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681 and they violated my rights numerous of times. I demand accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I have received 4 phone calls in the last week regarding a supposed debt my father does not owe, from a company calling themselves RMS. Two were on XX/XX/2022, another the next day ( straight to voice-mail as I had blocked their number ) and another on XX/XX/XXXX from a new number. The first three were by a real individual and the last by an robocaller. 

The last robocall gave a prompt to talk to a real person, so i endeavored to confront RMS. I asked for their address so I could file a TCPA lawsuit, but they hung up.

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 2022-09-01 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:
On XX/XX/2022 i sent off a debt validation letter to the alleged debt Collector XXXX XXXX & they returned to sender saying that address is unknown & invalid when this is the address clearly showing on my Consumer report. If address information is invalid then surely the information being reported is to my understanding INACCURATE also. 

In accordance with the Fair Credit Reporting act XXXX XXXX # xxxxxxxxxx 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

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 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NH

Complaint narrative:
On XX/XX/25 I requested a refund of {$6100.00} on my loan and was told it would take over 150 days to begin processing the request! That is unacceptable, the money is supposed to be readily available to customers under the Covid relief plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
XX/XX/31 XXXX $ Scammed by someone money was taken and wont be returned

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have sent validation letters for debt attached to my name to XXXX  XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX  ) and JP Morgan chase Bank. None of these institutions validated the debt in the legal amount of time they are given to do so. They have received more than 1 letter to remove the debt along with all derogatory remarks over 5 months ago and still have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have sent validation letters for debt attached to my name to Capital One ( cabelas ) XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX. None of these institutions validated the debt in the legal amount of time they are given to do so. They have received more than 1 letter to remove the debt along with all derogatory remarks over 5 months ago and still have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this account numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I opened a Citibank checking account on XX/XX/2022 with the promotion attached to the account where I would receive a {$400.00} sign up bonus if I deposited {$15000.00} in the account within 20 days of opening the account and keep the {$15000.00} in the account for 60 days. I met these requirements and after I was supposed to have received the bonus they kept telling me that they were working on it. XXXX  days after I opened my account they closed the account without giving me the bonus and now they claim I can't get the bonus because my account is closed. They owe me this promotional {$400.00} as I met the terms. They closed my account so they wouldn't have to give me the bonus.

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 2022-09-01 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: Mid-Atlantic Finance Co., Inc.
State: MO

Complaint narrative:
Violation of the Fair Credit Reporting Act, Violation of the Debt Collections Act, and Defamation of Character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CMI Group, Inc.
State: HI

Complaint narrative:
account was opened on XX/XX/22 for the company XXXX XXXX for the amount of {$3600.00} was opened on XXXX, TX a city i have never been in my life. the company Credit Management LP open a collections on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc.
State: WA

Complaint narrative:
I entered into a consumer credit transaction with Carmax Auto XXXX XXXX XXXX XXXX  on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 us 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Carmax Auto XXXX  XXXX XXXX XXXX took cash in the amount of {$2600.00} as a deposit. The Finance charge is suppose to include insurance, but Carmax Auto XXXX XXXX XXXX XXXX made me purchase insurance separately. My consumer rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX- {$2700.00} Wrong information do not know this account fraudulent XXXX XXXX XXXX - {$340.00} Fraudulent account XXXX XXXX - XXXX Fraudulent account

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief