vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 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:
Account still showing as Charge off with past due balance. This is incorrect. 
XXXX XXXX Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) Account still showing as Charge off with past due balance. This is incorrect. 
XXXX Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) I previously requested to have the account investigated and it seems nothing has been done. Date last activity shows 2 different date XXXX shows XX/XX/2022. Equifax no dates and XXXX shows XX/XX/2022. As per FCRA law account must be deleted if XXXX XXXX Account Number : XXXX Please delete in accordance with FCRA ( a ) ( XXXX ) ( A ) This account was never late. Last payment date is also incorrect as it shows XXXX different dates. XXXX shows XX/XX/2022. Equifax shows XX/XX/2022. XXXX shows XX/XX/2022. How is this possible. 
XXXX XXXX Account XXXX : XXXX Please update to paid us agreed if unable to provide proof of this payment being late. 

I previously requested to have the account investigated and it seems nothing has been done. Date last activity shows 2 different date XXXX shows XX/XX/2022. Equifax no dates and XXXX shows XX/XX/2022. As per FCRA law account must be deleted if XXXX XXXX  Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) Account still showing as Charge off with past due balance. This is incorrect. 
XXXX XXXX Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) Account still showing as Charge off with past due balance. This is incorrect. 
XXXX XXXX XXXX IN Account Number : XXXX Please delete in accordance with FCRA ( a ) ( XXXX ) ( A ) Account still showing as Charge off with past due balance. This is incorrect. 
XXXX XXXX XXXX IN Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) Account still showing as Charge off with past due balance. This is incorrect. 
XXXX XXXX XXXX IN Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) If this was investigated how come you are still reporting this a Charge off with past due balance. This is total incorrect. A collection by default is already a closed account. 
XXXX  Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX previously requested to have the account investigated and it seems nothing has been done. As per FCRA law account must be deleted if unverified XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I recently opened up accounts with Chase bank ( I just got married and that's my wife 's bank ). If I deposited XXXX XXXX into a new savings account and set up direct deposit with a new checking account within 30 days, I'd receive XXXX dollars based on a promotion that was mailed to me. When I went to redeem my money, they denied me saying I didn't redeem their coupon within 10 days. When I filed a complaint, their complaint department denied me saying I didn't redeem the coupon within 21 days ( it took over a week of phone tag to finally get them to talk to me about this ). The issue I have is that nowhere on their letter ( I checked the fine print with their bankers ) does it mention this 10 or 21 day time frame. When I told their complaints department, they said I was advised to go in before this 21 day time frame, I wasn't, and she told me there was nothing she could do. I asked them to just show me how I was supposed to know this and I'll accept my mistake, but not a single employee could find it. They could only apologize. I know based on what one of their bankers told me that I'm not the first person they've denied. Chase is offering free money to people like me who really need it to survive, creating restrictions only they know, and just saying sorry but we can't help. This is unfair and I think the public should be made aware of this. I can send you a photo of this letter if you'd like. Thank you for your time to read this, and I really hope to hear back from you. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a DC # XXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: AZ

Complaint narrative:
I have tried to get the credit agency to respond to my written request in a detailed letter, but they never ever give me the answers to my questions in the letter enclosed. This a major violation and I am seeking that these accounts now be removed. I am also aware of Congress investigating into the violations of these practices and I demand that this gets deleted for 5 times of being ignored on my disputes. The response just says that the account is verified but with No proof of what I am requesting. 
Please make them accountable for their lack of compliance and get these removed All these accounts in question qualify to be removed immediately because of their flagrant disregard of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
Due to hardship I had to modify my VA loan with Rocket Mortgage in XX/XX/2022. The VA recently returned paperwork to Rocket Mortgage indicating incomplete paperwork work sent. Paying my mortgage as agreed by modification of XX/XX/2022 payments have not been applied to loan because VA did not agree to modification. In XXXX I reached out to another lender to consolidate my debts and mortgage. XXXX refuses to show I am current of monthly payments and exact payoff to new lender. Going forward with new lenders agreement I was in closing procedures skipping XXXX and XXXX 's mortgage payments. At first all was a go with Rocket Mortgage, then we here nothing has been approved since XX/XX/2022. In order to get a current status from XXXX I must pay XXXX mortgage which I do not have. Plus if matter is not corrected immediately I lose the opportunity to consolidate my debts with new lender and monthly mortgage payments will be in default. I and the new lender have called Rocket Mortgage numerous of times and each representative gives us a different solution. This has totally place me in a hardship situation ... HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I called to request a loan refund on XX/XX/26 and was told that it would take 8 weeks. After I called back today, I was told that it will take another 4 to 6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: Innovate Managed Holdings, LLC
State: FL

Complaint narrative:
on XX/XX/22 I received a notification indicating a hard inquiry from XXXX ferderal rcredit union. The next day Innovative loan Services did another inquiry. I have not authorized neither of those to do run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: GA

Complaint narrative:
I sent the credit reporting agencies letters notifying them that they are in Violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations and Violation of 15 USC 1666b. This is a billing error. I always paid as agreed on time. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against Transunion for failing to delete and discharge an inaccurate public record account from my report.They 're stating I have a bankruptcy listed from XX/XX/2017. I sent them a letter demanding copies from the court showing this public record is valid. They did not send me the documents I requested and refuse to remove the account. 
I am frustrated and dismayed about this erroneous item on my credit report. I also found out from Representative XXXX XXXX of the House Select Subcommittee that Transunion has been discarding disputes they know violates the fair credit laws.This public record account is inaccurate, invalidated, unverifiable and questionable. Please ensure this account is deleted and discharged immediately.

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 2022-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I keep track of my credit reports and scores on a regular basis. 

So, when I paid off a credit card, I received great news from XXXX and XXXX that my score had increased. : ) So, what's the problem?? Equifax dropped my score by XXXX points when I paid off my credit card. 

XXXX XXXX. Made a payment. 
XXXX XXXX. Made a payment. 
XX/XX/XXXX Made a payment ( paying off the credit card ) XXXX XXXX. No change to my credit report XXXX XXXX. XXXX reflected on my credit report. 
XXXX XXXX. Equifax reports card balance is {$0.00} and drops my credit score XXXX points XXXX and XXXX, raised my score by XXXX points. Equifax went down. : (

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
We didn't receive any special letters or notice from opening the account to closing it. However, " Apple Card / Goldman Sachs '' keeps on mailing " {$0.00} balance '' statement to our mailing address. We already are aware that the balance is at " {$0.00} '' but what is " Apple Card / Goldman Sachs '' trying to achieve now/later/etc by keep on sending statement letters? Again, we didn't receive any special letters or notice from opening the account to closing it. ( Despite requests to stop mailing those unnecessary statements. It's becoming one of spam letters to be discarded ). Shall we mail a letter that includes SSN for confirmation to stop these statements? Is " Apple Card / Goldman Sachs '' able to simply turn off this statement from being mailed month-to-month?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX XXXX XXXX sent me a credit alert, stating a credit card balance over {$500.00} from XXXX XXXX, which I do not have. Someone mustve used my personal info to open a credit card account under my name. I went to a local branch, but they dont see anything strange under my name. The only business I ever did with XXXX XXXX was a balance transfer, which I paid off long ago. I never opened up any credit card accounts after that. The alert even showed I had a change of address, which I obviously didnt. This fraud account has dropped my credit score over XXXX points and its concerning me, as I work VERY HARD to pay all my accounts on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
The company is trying to collect the full amount of medical services provided without attempting to bill my health insurance first. I provided my health insurance information

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I hold a checking account with citizen bank which used to be XXXX and recently they have taken {$2000.00} from my account without my consent and my authority and didn't even bother to send me the letter before they took the money out. 
When i called them they said someone from the bank employee in the counter service has deposit the money into my account with an error 1 year ago when it used to be XXXX and now the XXXX was bought in by Citizen bank they took the money out. They money never came into my account and all our banking services, mobile banking, internet banking, ATM services were all closed and i couldn't even verify the trasaction. Now the citizen bank is not listening to it's customer and every weeks it's charging me the service fee of {$30.00} and {$9.00} from my account, which is very unethical and unfair. Please i want you guys to help me out and take the action against the bank. 
Ref : Claim number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
credit card company is reporting inaccurate. my credit card is paid per obligation of the united states. 31 usc 3123 payments of obligations and interest on the public debt

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 2022-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Greco Financial Services Corp.
State: GA

Complaint narrative:
I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a DC # XXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. XXXXXXXX XXXX XXXX XXXX MO ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity

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 2022-10-25 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: KS

Complaint narrative:
I received a collection notice on my credit report from IQ Data. I mailed a certified validation letter on XX/XX/2022, the letter was delivered to a XXXX XXXX XXXX XX/XX/2022 I then received signature confirmation of the letter being picked up on XX/XX/2022. As of today XX/XX/2022 they have yet to respond in a form or provide any type of verification that this debt is mine or my husbands.

Company response to consumer: Closed with explanation