vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 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: FL

Complaint narrative:
I HAVE FILED DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN '' T RECEIVD ANY INVESTGATION RESULTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: CT

Complaint narrative:
Equifax, XXXX and XXXX are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I DID NOT GIVE my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

1. Identity Theft XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX  This following accounts below show multiple inaccuracies on my credit report. These must be deleted immediately. 

1. Validate Account XXXX Account Number : XXXX**** 2. Validate Account XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a new checking account online with Chase. I also opened a new savings account. I had already had an investment account that had no activity on it opened on the same login. 
I called about adding my spouse to my accounts- they told me to go in person to a branch to do so. 
I went to the XXXX branch on XXXX XXXX on Saturday XX/XX/XXXX. They told me that I would need an appointment - I have a XXXX and had someone pick me up to take me there. I told the girl that and she told me they'd try to fit me in. After two hours of waiting I decided to leave. They weren't helping. 
I funded the savings on XX/XX/XXXX by making a {$1000.00} transfer deposit to the account. On XX/XX/XXXX I made a mobile deposit by depositing a check of {$3500.00} from my current account at XXXX XXXX XXXX. 
On Monday, XXXX I tried to access my account online. As Chase 's customer service is horrible I decided to withdraw my deposits and close the account. I will bank elsewhere. My account had been locked. The message on the screen says : Important : We locked your account due to suspicious activity. 
To unlock it, call us at XXXX. 
So I called on Monday - XXXX- was transferred three times and sat on hold for 1 1/2 hours then was told offices were closed. 
I verified in my XXXX XXXX XXXX accounts that the {$4500.00} was already removed from my account and transferred to Chase. 
On XXXX I called and spoke with XXXX who is in a foreign country, dealing with US XXXX accounts- XXXX is now telling me that I need to go into a branch. I have a XXXX and am dealing with COVID issues. Not a good idea to have me go into a branch. 

So I called back - demanded a supervisor in the US. I spoke with XXXX- she told me to hold on so she can check my account and then disconnected me. She called back a few minutes later and grilled me on who I was. Told me that there was identity theft on my account. I am at the same address I was when I had my accounts in the past. I logged in and opened my accounts with my former login information. I also have a retirement account at Chase that is on my login. All the information they are telling me is incorrect. How can they suspect identity theft when I am transferring from my other bank account? My check deposit had my information on it as well as my address. 

I want my account closed and my {$4500.00} returned to me. Why are people in foreign countries allowed to take US accounts XXXX? Why are they even dealing with US accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: I.C. System, Inc.
State: GA

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2021-11-02 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: NC

Complaint narrative:
I have tried to obtain my CREDIT FILE from all 3 credit reporting agencies & have only recieved credit reports. I'm being denied my right to know what all is on my credit file.

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 2021-11-02 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: CT

Complaint narrative:
XXXX, XXXX and Transunion are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I DID NOT GIVE my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

1. Identity Theft XXXX  ( Original Creditor : 05 XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX This following accounts below show multiple inaccuracies on my credit report. These must be deleted immediately. 

1. Validate Account XXXX Account XXXX : XXXX 2. Validate Account XXXX Account Number : 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 2021-11-02 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: NC

Complaint narrative:
I have tried to obtain my CREDIT FILE from all 3 credit reporting agencies & have only recieved credit reports. I'm being denied my right to know what all is on my credit file.

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 2021-11-02 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: NC

Complaint narrative:
I have tried to obtain my CREDIT FILE from all 3 credit reporting agencies & have only recieved credit reports. I'm being denied my right to know what all is on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: MA

Complaint narrative:
Experian does not follow FCRA LAWS at all this company doesnt not respect consumer rights or allow you to enforce your rights. The customer service will laugh at you when you let them know the violations over the phone and hang up on 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 2021-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
There is a collection debt on my credit report from ARS Account Resolutions for a medical visit in the amount of XXXX. This account was supposedly opened by me on XX/XX/2021. I know for a fact I did not go to an emergency room at all in XXXX!! I never received any communication from this company about said debt proving the validity of this account. I also called my insurance company that I have through my employer and the claims department stated there are no claims filed in the month of XXXX. I have medical insurance, why would I not use it if I had went to a doctor? I disputed this with XXXX, however less than 24 hours after I opened my dispute it was rejected? The very next day after filing my dispute, this company puts the same account on my XXXX report! It had not been there previously. This is not my account! Ars account resolutions has numerous complaints against them and a lot of complaints for putting emergency room visits on consumers accounts when they never visited a hospital. I think that I would know whether or not I visited a doctor 3 months ago.

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 2021-11-02 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: C.Tech Collections, Inc.
State: NY

Complaint narrative:
I filed a dispute in regards to accounts on my credit report that do not belong to be. It has been beyond 30 days and I have not received any results regarding my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Receivables Management Partners, LLC
State: NC

Complaint narrative:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 



Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Account Number : XXXX Please remove it from my credit report. 

3. Account Number : XXXX Please remove it from my credit report. 

4. Account Number : XXXX Please remove it from my credit report. 

5. Account Number : XXXX Please remove it from my credit report. 

6. Account Number : XXXX Please remove it from my credit report. 

7. Account Number : XXXX Please remove it from my credit report. 

8. Account Number : XXXX Please remove it from my credit report. 

9. Account Number : XXXX Please remove it from my credit report. 

10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 11. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 






Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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 CBE Group, Inc.
State: NC

Complaint narrative:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 



Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Account Number : XXXX Please remove it from my credit report. 

3. Account Number : XXXX Please remove it from my credit report. 

4. Account Number : XXXX Please remove it from my credit report. 

5. Account Number : XXXX Please remove it from my credit report. 

6. Account Number : XXXX Please remove it from my credit report. 

7. Account Number : XXXX Please remove it from my credit report. 

8. Account Number : XXXX Please remove it from my credit report. 

9. Account Number : XXXX Please remove it from my credit report. 

10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 11. CBE GROUP Account Number : XXXX Please remove it from my credit report. 

12. CBE GROUP Account Number : XXXX Please remove it from my credit report. 

13. CBE GROUP Account Number : XXXX Please remove it from my credit report. 

14. Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 






Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: DE

Complaint narrative:
An unknown account is on my credit report. I disputed it. They say it's accurate. Gave me no information. It's a store I haven't been to in over a decade, obvious fraud.

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 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Called Jefferson capital systems because a debt showed up from them on my credit report. I called to negotiate a payment but they told me they had no open account for me. When I disputed the debt, they sent the credit reporting agencies documents showing the debt was valid even though they currently hold no debt for me. They are fully aware of the fraud and do not care to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I am demanding removal of this collection from Caine & weiner. My debt is not with them. I do not owe them the {$510.00} that is reflected on my credit report and it is deeply impacting my credit score. Caine & weiner claims that the debit is from XXXX, but can not show proof that I owe them this debt or that I have ever had any contractual obligations to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: NC

Complaint narrative:
On XX/XX/XXXX XXXX reported to Transunion that I was late on a payment either in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. XXXX originally had removed these late payments due to an error. As of yesterday that added these late payments back to my credit report even though the date range is from XXXX and XXXX. They should not be able to add late payments from almost 2 years ago on my credit report especially since they were already deleted from my XXXX  report. This is an unfair and unacceptable practice.

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 2021-11-02 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I mailed letters to all three credit bureaus on XX/XX/2021 to file disputes on incorrect information on my reports. Ive attached a copy of my XXXX letter as an example. I informed them of the incorrect information on my credit and requested that the items be removed, however I havent received a response from the credit companies within a timely manner which goes against their own company policies, and my rights as a consumer.

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 2021-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi, this is in regards to my auto loan application that was denied on XX/XX/XXXX because the credit score was XXXX, and there were too many inquiries. However, when I look at my transunion credit score, it says it is XXXX. This score is based off XX/XX/XXXX. I have been monitoring my credit score and it ranged from 620-655. For the last 12 months, there has been only 4 inquiries. It does not exceed the maximum of 6 stipulated by the law. 
Currently, I have paid off all of my credit card debts except for two with a total of {$800.00} ( XXXX XXXX and XXXX XXXX XXXX XXXX The credit report and score they have is not up to date. I would be very grateful if you could review my application again based of the most recent credit score and the fact that i have made just four inquiries in the last 12 months not " too many as stated in the letter ''. I believe it is inaccurate. I would appreciate if they can correct this and send the information back to the bank to reconsider my application. 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 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy Federal is in Violation of 12 CFR for discriminating against me using my race, age, national origin, color, and sex to determine whether I get a credit limit increase for an account that to my knowledge is not for a special purpose credit. They have refused to respond to me since I have began communication with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation