vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several accounts were opened in my name and with my personal information without my consent or knowledge on XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX. When I found this out in the month of XXXX of XXXX or XXXX ( I believe it was the year XXXX ) I called all three credit agents and provided them crucial evidence that validated my statement that fraudulent activity was happening to me. The evidence that I provided was government documentation stating that I had been XXXX  at the XXXX XXXX jail during those dates due to a XXXX XXXX and that the fraudulent activities that transpired were not me.Not only do I not have access to a phone or computer to make such transactions reported by the three respective credit bureaus, it is physically impossible. After reporting this to the agents at the credit bureaus, absolutely nothing was done nor investigions were made. I know that according to the Fair Credit Reporting Act, under several sections mentioned but mostly The Administrative enforcement ( 621 ), comliance with the requirements composed under this title shall be enforced by the Federal Trade Commision Act with respect to consumer reporting agencies. A violation of any requirement or prohibition imposed under this title shall constitute an unfair or deceptive act in commerce in violation of section ( 5 )... If you proceed to read you will find that grave mistakes have been made regarding my filed claims of fraud to all three credit bureuas. And nothing was done when I submitted proof of my inability to make transactions. I want immediate attention to this and the remaining pending cases and according to the FAir Credit Reporting Act, I am entitled to financial compensation given I have spent almost two years paying an outside company to get these items removed from my credit.

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 2022-10-13 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: CA

Complaint narrative:
Please see attached docs for ID theft info and FTC papers for my id theft and remove the affected accounts thx.

FILES ATTACHED : 1. FTC ID THEFT REPORT 2. FCRA 605B 3. AFFIDAVIT OF ACCOUNTS THAT ARE FRAUD EACH BUREAU ( XXXX, EQUIFAX & XXXX ) 4. POLICE REPORT 5. ID PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
Lexington Law is charging me outragious amount every month to fix incorrect information on my file. they have charged me {$1800.00} so far and only helped me very little and i have cancelled my service 3 month ago and they are still charging me money every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXXXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX The law of privacy 15 U.S.C 1681 602-4 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
I am a PSLF eligible borrower who has been employed in public service for a year. I moved to a new public service job on XXXX and filed a new certification reflecting this. On the XXXXXXXX XXXX XXXXXXXX, I received correspondence from MOHELA that showed I had not made any qualifying payments, in direct contravention to the DOE guidance regarding PSLF payments during the payment pause. I tried calling MOHELA and had to wait through 10 minutes of recorded information without the option to speak to a representative. The call then automatically terminated. I called again at a different number and was given a wait time of 180minutes. I waited for about four hours ( until about XXXXXXXX XXXX est on the XXXX ) at which point my call disconnected again without connecting me to a representative. I just want to correct the obvious error in number of qualifying payments, but customer service if unreachable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has reported a collection which does not belong to me and they have re-aged the debt on credit reports to make it appear more recent. Chase has asserted the debt to me telephonically and have informed me that lawyers are in the process of filing a lawsuit, even though the statute of limitations has passed. XXXX have asserted telephonically that the statute of limitations is 7 years and they can sue me for as long as they want. They have asserted telephonically that they can double the size of the debt when they choose to sue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report with all XXXX bureaus and they are currently reporting inaccurate information on my behalf and it is resulting in damages as Ive been denied for several credit cards and loans due to this billing error. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to US 15 USC 1681a ( 2 ) ( a ) ( i ) the term credit report does not include, subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report so you are in violation of my rights by furnishing this information on my credit report due to all transactions and experiences are NOT supposed to be included in my credit report. 

Also according to 15 USC 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Lastly, according to 15 USC 1681s-2, ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

You must remove these items according to the FCRA laws listed above. I have never been late on this 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 2022-10-13 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: SC

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 in error.

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 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: AmeriCollect
State: PA

Complaint narrative:
I have no outstanding debts owed that I am aware of. Americollect has called numerous times almost daily and has now begun calling me outside of the legal time frame before XXXX and after 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 2022-10-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
THD/Citi have reported a collection which does not belong to me and they have re-aged the debt on credit reports to make it appear more recent. They have asserted the debt to me telephonically and have informed me that lawyers are in the process of filing a lawsuit, even though the statute of limitations has passed. they have asserted telephonically that the statute of limitations is 7 years and they can sue me for as long as they want. They have asserted telephonically that they can double the size of the debt when they choose to sue

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 2022-10-13 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: SC

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 in error.

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

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 in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have filed XXXX XXXX XXXX XXXX XXXX I have not received resolution on this matter as to repalcement of defective chair Is there a " drop dead '' deadline for merchant to respond? 
If so what is date and what is Capital response to me I am getting perturbed and stopped using Capital card until this issue is resolved Please issue letter summation on this dispute I just want a replacemet desk chair, I sent pics and receipts twice and chair is estimated to be {$71.00} of of {$120.00} purchase of desk and chair

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-10-13 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My father, who is an authorized user on my Home Depot Credit Card, had his Home Depot credit card used by someone else. I report the fraud to XXXX XXXX and they initially credited my account. However, a few weeks later I received a letter from Home Depot credit card stating that they had completed their investigation and my father did use the card and since he is an authorized user on my account, I am responsible for the charges. The only problem is my father was in the hospital since late XX/XX/2022 with a subdural hematoma and in a coma. My father never left the hospital and on XX/XX/2022, my father passed away. I provided this information to XXXX XXXX during our initial conversation. I again faxed this information, with supporting documentation on XX/XX/2022 and XX/XX/2022. Home Depot credit card stated they did not receive the faxes even though I have successful confirmation fax sheets for both faxes. I also mailed the supporting documentation on XX/XX/XXXX but again Home Depot credit card claimed not to have received the mail. I them certified mailed the supporting documentation to Home Depot credit card and they finally acknowledged receiving the information, but they have taken no action to remove the fraudulent charges from my account. I don't what else to do to prove to XXXX XXXX that neither I, nor my father, made these fraudulent charges. I told them to them to look at the video at the cash register where the charges were made and they told me they do not XXXX XXXX XXXX XXXX videos, which made no sense.

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 2022-10-13 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:
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 in error.

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

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 in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: MD

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 in error.

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