vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 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: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
My deceased ex wife had a Barclays card. Before her death, I was none the wiser. At the time of her death, the card appears on my credit report. I have pleaded with all 3 credit bureaus, Barclays, etc for 3 years to have this removed. No such luck. 
My credit went from above XXXX, to sub XXXX because of this. The banks treat me like a 3rd class citizen. For the record : I do not have a credit card, a loan other than my mortgage, or any other loans. Nobody will move on this case. I have tried everything. 



Recent Letter to Barclays : FCRA Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Please Refer to Account : ( last four ) # Case # Barclays : ( XXXX ) XXXX Att : My name : Deceased Ex Wife : My credit report shows I am wrongfully on a Barclays credit card. Prior and after my divorce, my credit score was above XXXX. After the death of XXXX XXXX XXXX, my credit score sunk to sub XXXX. This is not my card. It belongs to a deceased ex-wife. For the record, not my card. 
I have been working on being removed for three years. I have had multiple promises from Barclays that I would be removed, none of my requests have been granted. For sure this is still on XXXX. 
My credit has been ruined from your card on my credit report. I have wasted hours, days, months, and now years arguing with person after person with Barclays. All to no avail. The Pain, suffering, and emotions distress that Barclays has caused me can not be described. 
I am requesting and demanding the removal of this card from my credit report. 
The 3 major credit bureaus have been contacted, and I have time after time been sent to Barclays.

1 : it was not on my credit score until the death of my ex-wife. 
2 : It was not on my score when she was still living. 
- While we were married, divorced, or she was alive, I was not on this card. After her death, I am not responsible? 
3 : I have never been sent a statement for this card. If I am on a card, or the card has a balance, how can I know without a bill or statement? 
Barclays did not seem interested in my credit report or the card being assigned to me until the time of her death. 
CC : FTC, the OCC, and the CFPB Sincerely,

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 2022-10-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Im submitting this requsest in regards to my initial dispute to the credit bureaus ( XXXX, Equifax and XXXX ). I submitted a request for validation for account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not recevie a response back from neither credit bureau, after reading over my consumer laws I've determined that this is a FCRA violation and and Im requesting for immediate deletion of both accounts becuase its past 30 days and the bureaus have not responsed and also the following information was not provided. 

I requested each bureau to provide me with the following : What the money XXXX XXXX XXXX XXXX XXXX XXXX  say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service. 

Also, its has been 60+ days and no comment and/or remark have been made to my Equifax report under XXXX XXXX XXXX  to acknowledge my dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. This is yet another violation and grounds for immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Im submitting this requsest in regards to my initial dispute to the credit bureaus ( XXXX, XXXX and Experian ). I submitted a request for validation for account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not recevie a response back from neither credit bureau, after reading over my consumer laws I've determined that this is a FCRA violation and and Im requesting for immediate deletion of both accounts becuase its past 30 days and the bureaus have not responsed and also the following information was not provided. I requested each bureau to provide me with the following : What the money XXXX XXXX XXXX XXXX XXXX XXXX  say I owe is for. Explain and show me how you calculated what you say I owe. Provide me with copies of any papers that show I agreed to pay what you say I owe. Provide a verification or copy of any judgment if applicable. Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. Show me the you are licensed to collect in my state. Provide me with your license numbers and Registered Agent or Agent of Service. Also, its has been 60+ days and no comment and/or remark have been made to my XXXXXXXX XXXX XXXX XXXX XXXX XXXX to acknowledge my dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. This is yet another violation and grounds for immediate deletion.

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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
on or around 8/17/2022 consumer debit cards were lost/stolen. the consumer contacted chase bank and reported the fraud XXXX new debit cards were ordered and the old ones were canceled. Numerous items were ordered in error ... i.e. 
XXXX atm- {$330.00} dollar charge XXXX. XX/XX/XXXX {$580.00} XXXX. XX/XX/XXXX - {$30.00} XXXX. XXXX {$500.00} XXXX. XX/XX/XXXX - {$500.00} Chase bank utilizes out-of-the-country customer service which limits communication and understanding of everyday life here in the states. The claims were all denied and the verbal reason given was that there were other charges not disputed. consumer advised that many of the charges that were not reported are ones that are automatically deducted from companies that utilize a saved credit card function. I was then told to send in more proof which I did. Not to mention that the charges were not in my area, and the major factor is that my funds are insured by FDIC up to {$250000.00} for instances like this. 
the consumer was turned down a second time without cause. Chase has placed great stress on the business of the client by not protecting the client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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 RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT EQUIFAX, XXXX, AND XXXX HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: GA

Complaint narrative:
This is a written direct dispute by XXXX XXXX, the consumer. This dispute concerns the accuracy and integrity of the information contained in my consumer report and pertains to account XXXX XXXX XXXX XXXX, opened on XX/XX/2021 with a charged off balance of {$690.00}. I did not authorize or benefit from the creation of this account. This account was fraudulently opened using my personal identification information and I am requesting an immediate blocking of this information from being reported to my consumer 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 explanation
Consumer complaint received 2022-10-14 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: GA

Complaint narrative:
This is a written direct dispute by XXXX XXXX, the consumer. This dispute concerns the accuracy and integrity of the information contained in my consumer report and pertains to account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a charged off balance of {$690.00}. I did not authorize or benefit from the creation of this account. This account was fraudulently opened using my personal identification information and I am requesting an immediate blocking of this information from being reported to my consumer 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 explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I always deposit my benifit check using mobile app now on XX/XX/XXXX bank debit {$1200.00} from my account reason not clear and when I call o been harres by bank employee and for that I was going through XXXX XXXX  they call me a fraud also by taking that money from my account herd my credit score also they change the data on my mobile checking account, violate invite my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is a written direct dispute by XXXX XXXX, the consumer. This dispute concerns the accuracy and integrity of the information contained in my consumer report and pertains to account XXXX Capital One Bank, opened on XX/XX/2021 with a charged off balance of {$690.00}. I did not authorize or benefit from the creation of this account. This account was fraudulently opened using my personal identification information and I am requesting an immediate blocking of this information from being reported to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a letter in the mail from Kohl 's fraud dept. It reads " We identified activity on your account that is uncharacteristic of your normal shopping patterns and have been unable to contact you by phone to confirm that you authorized this activity. We placed a temporary block on your Kohl 's Charge Card account for your protection ''. I looked at my credit reports and all of them had a hard inquiry from Kohls/Capital One but no opened account. I then called the fraud dept phone number listed on the letter ( XXXX ) and a lady told me that she would put a message in the system that I did not open/apply for this card. She told me that they'd already opened an investigation and would keep me informed by mail. A week goes by and I check my credit reports only to find that a brand new Kohls account has been added to all of them. It has no charge on it. All say {$0.00}. This started in late XXXX and the account was officially opened just recently in XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I attempted to apply for Public Service Loan Forgiveness. When I applied in XXXX, they told me my employer didn't qualify. I submitted my W2 to prove that my Agency is a regulatory agency under The State of Oregon and does qualify. They updated my PSLF count to having made XXXX qualifying payments. I applied again, 3 months later, because I considered myself to have completed the terms required. I have worked for the The State of Oregon for 13 years. They again indicated that my Agency did not qualify, even though my employer had not changed. I resubmitted my W2 and they eventually determined it to qualify a second time. Then I was given an updated letter, but showing the SAME qualifying payment count as when I applied in XX/XX/2022. I qualify for loan forgiveness, but instead of forgiveness being granted, my loans were transferred from XXXX XXXX to Mohela, who also has not helped me solve this issue. I feel this is unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: CA

Complaint narrative:
hello, ive reached out to Experian multiple times about inaccurate information that is being furnished on my accounts. The company is reporting XXXX late payments on accounts that are either paid-off/closed and accounts that are open however its current on all payments. 
I brought to their attention how they are violating several federal laws and they still do not care to resolve the problem. They say their investigation has been completed and still feel compelled to furnish such erroneous and frivolous information without properly demonstrating on how they went about their investigation which leds me to believe they did not do such a proper investigation. 
this inaccurate reporting is hindering me from obtaining any credit as well as its defaming my character which is hurting my livelihood. 
they are in violation of 15 USC 1666b and 15 USC 1681b. i would like this resolved immediately please.

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 2022-10-14 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: IA

Complaint narrative:
My deceased ex wife had a XXXXXXXX XXXX. Before her death, I was none the wiser. At the time of her death, the card appears on my credit report. I have pleaded with all 3 credit bureaus, XXXX, etc for 3 years to have this removed. No such luck. 
My credit went from above XXXX, to XXXX XXXX because of this. The banks treat me like a 3rd class citizen. For the record : I do not have a credit card, a loan other than my mortgage, or any other loans. Nobody will move on this case. I have tried everything. 



Recent Letter to XXXX : FCRA Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern : Please Refer to Account : ( last four ) # Case # XXXX : ( XXXX ) XXXX Att : My name : Deceased Ex Wife : My credit report shows I am wrongfully on a XXXXXXXX XXXX XXXX Prior and after my divorce, my credit score was above XXXX. After the death of XXXX XXXX XXXX, my credit score sunk to XXXX XXXX This is not my card. It belongs to a deceased ex-wife. For the record, not my card. 
I have been working on being removed for three years. I have had multiple promises from XXXX that I would be removed, none of my requests have been granted. For sure this is still on TransUnion. 
My credit has been ruined from your card on my credit report. I have wasted hours, days, months, and now years arguing with person after person with XXXX. All to no avail. The Pain, suffering, and emotions distress that XXXX has caused me can not be described. 
I am requesting and demanding the removal of this card from my credit report. 
The 3 major credit bureaus have been contacted, and I have time after time been sent to XXXX. 
1 : it was not on my credit score until the death of my ex-wife. 
2 : It was not on my score when she was still living. 
- While we were married, divorced, or she was alive, I was not on this card. After her death, I am not responsible? 
3 : I have never been sent a statement for this card. If I am on a card, or the card has a balance, how can I know without a bill or statement? 
XXXX did not seem interested in my credit report or the card being assigned to me until the time of her death. 
CC : FTC, the OCC, and the CFPB Sincerely,

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 2022-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
I requested a payoff statement from my mortgage company AmeriHome Mortgage ; dated XX/XX/22. 

The interest reflected in the payoff statement is from XX/XX/22 - XX/XX/22 ; in the amount of : {$1200.00}. 

This means each day I'm charged interest in the amount of : $ XXXX XXXX = {$41.00} is charged daily for interest. 

I went to my bank on XX/XX/22 and wired the payoff amount to AmeriHome on XX/XX/22. 

My mortgage was paid off as of XX/XX/22 I'm owed back interest amount from XX/XX/22 XXXX = 28 days I was charged interest for days after I paid off my mortgage and wired the payoff amount to my mortgage company and was never refunded for that amount. 

I'm owed $ XXXX * XXXX ( XX/XX/22 - XX/XX/22 ) = {$1100.00} AmeriHome Mortgage charged me interest on a mortgage which I paid off as of XX/XX/22 and has kept that amount and has not refunded me the interest amount that's owed back after paying off my mtg. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TX

Complaint narrative:
Good Afternoon, RE : Account Number - XXXX After viewing my credit report I noticed inacurrate information listed on my report. I submitted a dispute to the 3 bureaus ( TransUnion, XXXX and XXXX ), XXXX deleted the account due to unverifiable information. However TransUnion and XXXX have yet to remove the account and provide me with the requested inforamtion. 

After receiving no response from TransUnion and XXXX I pulled my credit report for a second time and noticed that neither bureau made remarks on my credit report stating that account XXXX is in dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. Counting the number of days between pulling my credit report I've determined that it has been 60+ days since my first dispute and neither bureau have listed the account as " in dispute ''. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Im requesting TransUnion and XXXX provide me with the following : What the money XXXX XXXX say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service. 

Because of the FCRA violation and no response, as well as failing to validate the account Im requesting to have the account removed from my credit 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