vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 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: PA

Complaint narrative:
I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX. I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: PA

Complaint narrative:
I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX. I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.

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 2022-12-27 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: IL

Complaint narrative:
They have violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( I ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that the consumer does not initiate.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please remove the following Incorrect Addresses, Phone Numbers and Incorrect spelled names from XXXX, TRANSUNION and XXXX credit report. 15 USC 1681s-2-, A person she'll not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Incorrect Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Incorrect phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX. 

Incorrect Addresses : XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX ). XXXX XXXX XXXX XXXX Ohio XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX XXXXXXXX Michigan XXXX XXXX ). XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Michigan 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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please remove the following Incorrect Addresses, Phone Numbers and Incorrect spelled names from XXXX, XXXX and EXPERIAN credit report. 15 USC 1681s-2-, A person she'll not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Incorrect Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Incorrect phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX. 

Incorrect Addresses : XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX ). XXXX XXXX XXXX XXXX Ohio XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Michigan XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Michigan 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 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I received a message from XXXX that someone inquired about a cc through my name. It was not me. The company named was XXXX XXXX. It seems they have may complaints about them online. I was asked by XXXX to file a police report a report with the FTC. The FTC sent me here. THis fraudnet use of my name has now opened a small credit card account, which I had no knowledge about, and it is impacting my credit score. 

What steps can you help witht so this card is removed from my name please? 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 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: Self Financial Inc.
State: NV

Complaint narrative:
On XX/XX/2022, I lost all of my personal stuff that including my ID, my Credit cards, my personal phone and more. Over the 9 months while i was trying to get everything back i looked at my credit report and i seen activities on there that i did not recognize. My credit card that was stolen in XX/XX/2022 has a balance of {$240.00}, Which is at Self Financial. When i contacted the company, they locked my account and told me i still had to pay the {$240.00} even though I'm not responsible for it. Also, there are two charges from XXXX  one balance is {$130.00} the other is {$110.00} both of these loans were opened when all my belongings were stolen and i did not know it was on my credit report until now, I have not tried to contact the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: CA

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: NY

Complaint narrative:
In my credit report from Experian, XXXX, and XXXX. They are showing 2 or 1 fraudulent accounts which is : XXXX XXXX XXXX Other {$450.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details. 



and XXXXXXXX XXXX XXXX XXXX Credit Cards {$600.00} Status Date Reported XXXX XXXX, XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$600.00} Account Details. 

Those fraudulent accounts are not mine and I want those accounts to be deleted completely off 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 explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I had a modification in XXXX. I then fell behind on my mortgage XXXX, XXXX. I had some home repairs that needed to be done to keep the house in livable. Due to this I fell behind on my mortgage. I have applied for assistance 3 times and be denied each time. Each denial has come with the reason that my loan is ineligible for assistance. The lender told me it was due to my prior modification. I have reviewed the prior modification and can not find anywhere where it says that I would no longer be eligible for any assistance in the future. I would like to be reviewed for help as I think I can prove affordability. They offered me a repayment plan that was not affordable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: IL

Complaint narrative:
They have violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( I ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that the consumer does not initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB + Experian, The companies below have many inaccuracies on my Experian credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

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 XXXXXXXX XXXX XXXX XXXX XXXX to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Experian credit report for many blatant inaccuracies they refuse to fix.

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 2022-12-27 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: TX

Complaint narrative:
In accordance with the fair credit reporting act cXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15U.S.C 1681.Section 602 A. States I have rights 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 explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB, I would like to file a formal complaint against Chase for my XXXX Credit Card. I recently gave a credit balance of over $ XXXX, and have repeatedly requested Chase to confirm and transfer my credit balance to my Chase checking account. They keep on providing the same response to wait for up to 10 days. Which is in violation of CFPB 1026.11 for requests to be completed within 7 business days. I contacted them many times via calling their call center on XX/XX/21 officially requesting the refund of the credit balance and also via email many times. 

They are illegally keeping my money for longer that they are entitled and in direct violation of your ordinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act Account # XXXX, Capitol One XXXX 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 2022-12-27 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: MS

Complaint narrative:
on XXXX XXXX, I went into XXXX XXXX XXXXXXXX XXXX placed a application for a XXXXXXXX XXXX XXXX, through XXXX XXXX, i was told that the loan would be XX/XX/XXXXdays, same as cash. The ring did not fit and needed sizing. I was told that it would take a week. on, XX/XX/2022, i received a Call from XXXX XXXX, the person calling was unaware of payment terms, this made me weary because i didn't want any problems, or any damages to my Credit. I Immediately told her that, if the terms were not as stated, I would like to Void /Cancel account, because i still did not have ring. She said she would get me the facts and call me back. After several conversations with XXXX XXXX XXXX I decided that it was in my best interest to Cancel this Loan, Because no one knew the terms of the loan, they were very Rude, demanding, threatening, unprofessional, while using intimidating tactics to force me into this loan, that i did not want, nor had possession of any items. on XXXX, XXXX, XXXX  I spoke to the Manager XXXX XXXX XXXX, who agreed to void contract, he said if the ring was still at XXXX XXXX  XXXX XXXX he would be glad to Void contract, the ring never left XXXX XXXX and is still there. In XXXX I started back getting phone calls from XXXX XXXX, each time, i would state that they need to talk to the manager, because he told me he would Void contract. Finally, I called and spoke to XXXX XXXX again on XX/XX/XXXX, but this time he had a mean and nasty attitude, and refused to cancel/ void contract as previously stated, so now I need help, because, this company is threatening to damage my credit for a loan, i asked to void before any payments became due, and I never received any merchandise ( the ring )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX was initially paid by my insurance company. 

On XX/XX/ I negotiated the remaining payment with XXXX from XXXX for a final " PAYMENT IN FULL '' on my account for {$360.00}. 

I have no debt with XXXX XXXXXXXX XXXX XXXX yet they keep harassing me and sending me to collections for a fraudulent debt as I do not owe them anything. 

Capio Partners is now harassing me via phone and mail with a fraudulent bill of {$150.00} which I DO NOT OWE. 

I have attached the cashed check which clearly states " FOR FINAL PAYMENT ON ACCOUNT # XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Hud paid my mortgage company XXXX and the amount has not been deducted for the original amount owed. I have called Midland Mortgage and gotten no answers as to where the money went. I do not understand how the balance is the same when Hud paid XXXX. I am trying to sell my home and I am unable to due to this problem. When I called Midland Mortgage and spoke to a supervisor I was disconnected when I asked what happened to the money that HUD paid Midland Mortgage. 
I want to sell the home!

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue I have encountered with TransUnion, a credit reporting agency. 

I recently noticed that an account appears on my credit report that I do not recognize. Upon further investigation, I discovered that the account was previously owned by a collection agency. However, I have since resolved this debt and the account is no longer in the hands of the collection agency. 

Despite my efforts to have the account removed from my credit report, TransUnion continues to report it as an active debt. This is not only inaccurate, but it is also causing damage to my credit score. 

I have contacted TransUnion multiple times and provided documentation proving that the account is no longer in collection. However, the company has not taken any action to correct the error. 

I am extremely frustrated and concerned about the impact this error is having on my credit. I am seeking your assistance in resolving this matter and ensuring that TransUnion correctly reports my credit history. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please be aware of information on my consumer report is inaccurate!. I have tried to mail XXXX XXXX and Experian on 3 different occasion starting XX/XX/XXXX. I have asked to validate these accounts as I do not know of any of these accounts and XXXX was the only one whom responded and stated someone may be working in my favor. I was upset to have waited this long for them to tell me they need proof it is me. When I included a cop of my id along with proof of my address. in XXXX I asked them to reinvestigate and in XX/XX/XXXX I asked them to again reinvestigate and expressed my final warning, no one as return my calls or neither did I get any correspondence to my mail. 
I asked several times to validate verify XXXX THERE ARE SEVERAL LISTED IN MY CONSUMER REPORT, XXXX XXXX XXXX XXXX XXXX XXXX XXXXY UPSET THIS IS AFFECTING MY CONSUMER REPORT! 
on 3 different occasions the bureaus have failed to respond to me and making me wait and suffer with getting declined for credit. I think this is unfair and should be deleted for reporting inaccurate information.i have read some of the laws and these accounts fall under them and by default should not be on my consumer report! 
THEY ARE ALL REPORTING, FALSE INACCURATE INFORMATION AND HOW CAN YOU DO THIS DURING A PANDEMIC. Delete this for failure to respond over 90 days! here are just some of he laws I read that is showing on my consumer report! 
Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy 15USC1692f ( 1 ). Unfair Practices Under 15 USC 1692e. False or misleading representations Under 15 USC 1692g. Validation of debts please see all my letters send on my behalf and no one has ever responded nor called me!

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 2022-12-27 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: MS

Complaint narrative:
On XX/XX/2022 Transunion is reporting a bankruptcy on my credit report and they put in the furnisher as being United States Bankruptcy Court XXXX XXXX XXXX Mississippi which is false. I have attached a letter from the United States Bankruptcy Court XXXX XXXX XXXX Mississippi dated on XX/XX/2022 verifying and stating that they do not furnish information to the credit bureaus or any credit monitoring services. Nor do they validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and have yet to remove this 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
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1996 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

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