vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 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: NY

Complaint narrative:
Personal identity theft regarding opening credit cards using my social security number and personal information. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
my car was stolen in this DC washington yesterday date XXXX all my social security card is in the vehicle list of item in my wallet. 
1 driver licence 2 social security card 3 bank id cards 4 green card 5 DOT medical card so many information about me so are will like to freeze my my account immediately until are retrieve my document

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 2022-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
15 U.S. Code 1605 - Determination of finance charge THE SUM OF ALL CHARGES WAS NEVER INCLUDED IN THIS FRAUDELANT LOAN, AS THE ORIGINAL CREDITOR THERE SHALL NOT BE A FINACE AMOUNT. 

ALSO, INSURANCE COSTS WAS NEVER ADDED TO THIS CONTRACT. 

TAGS AND REGISTATIN WAS NOT INCLUDED AFTER MY VEHICLE BEING PAID OFF THIS VEHICLE WAS STOLEN FROM XXXX XX/XX/2022 I DID REACH OUT TO SANTADER NO LUCK, I DID ATTACH DOCUMENTS AND XXXX POSTAL TRACKING CONFIRMATION RETURN MONEY AND PROPERTY SINCE I AM NOT LIABLE 15 U.S. Code 1635 - Right of rescission as to certain transactions ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as XXXX money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I filed a police report and disputed this account JPMCB card services Acct # XXXX with XXXX XXXX and XXXX. I also filed a fraud dispute with JPMCB card services and they are still reporting inaccurate information on my credit report. The above account does not belong to me. I do not deserve this negative account reporting on my credit file from the above agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: KS

Complaint narrative:
I have sent several disputes to TransUnion over the past year regarding three unauthorized or fraud-related accounts on my credit report. 

TransUnion has violated FCRA multiple times by refusing to conduct a proper investigation into a disputed item. On XX/XX/2022, I spoke with XXXX XXXX, Supervisor, in the US Special Handling Team disputing specific items on my credit report and send him a letter via USPS Certified Mail disputing the same items. The investigation results came back verified on XX/XX/2022 way beyond the required response timeframe ; Report # XXXX XX/XX/2022, I sent TransUnion a method of verification request letter into their investigation via USPS Certified Mail ( XXXX XXXX XXXX XXXX ). TransUnion has violated FCRA by refusing to provide any proof of their investigation and only resent the same response as sent on XX/XX/2022, verifying the results. As you can see from the attached documents, TransUnion has again disregarded my investigation request and second demand for verification method proof and documentation. 

I request a thorough investigation into TransUnion by CFPB due to their failure to provide the proper documents and proof of their investigation into each item indicated in the letters. I further request that TransUnion remove the disputed items due to their inability and failure to provide the proof of their investigation methods, both immediately and permanently.

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 2022-11-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
The notice that I received on XX/XX/2022, did not meet the standard required by federal and state law for a debt collector to send a written notice containing : a. the amount of the debt ( 1692g ( a ) ( 1 ), b. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 1692g ( a ) ( 3 ), and c. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor ( 1692g ( a ) ( 4 ). 

Despite the failure to provide the above, XXXX XXXX XXXX XXXX XXXX XXXX gave notice stating that unless I pay the alleged debt in full including attorney fees, there would be a Non-Judicial Foreclosure on XX/XX/2022. 

I am in the process of sending to XXXX XXXX XXXX XXXX XXXX XXXX a " NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT '' notice. Whereas, I expect according to the Consumer Protection Law of the United States Code, verification and validation so that I can consider a resolution if applicable. 

I dispute this alleged debt, until verification and validation has been fulfilled in accord with the above notice, by the law office of XXXX XXXX XXXX XXXX XXXX XXXX ( debt Collector ). 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
This is the 2nd time my Mortgage Servicer has not applied my mortgage payment paid by XXXX, that was made on XX/XX/XXXX, in the amt of XXXX, I have 2 more payments that will be made by XXXX, in XX/XX/XXXX, & XX/XX/XXXX, Select Portfolio never Post the ACH Wires in a timely manner this puts my account in a default status threating Foreclosure, and stress on me.. My last complaint was XXXX, which was resolved, I don't want to keep making complaints regarding I would like for Select Portfolio to fix their Posting issues

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
There is a fraudulent account reporting on my credit that was opened by someone other than me. The account is CCS Collection/nationwide. I have requested that this collection be closed and that this account be removed from my credit report as its categorically not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc.
State: NJ

Complaint narrative:
After resolving many earlier fraudulent accounts that were opened under my identity, a new fraudulent account appeared on my credit report from the collections agency, Credit Management Control. This collections agency took over this account from the Original Creditor, XXXX XXXX XXXX  ( XXXX ). XXXX, XXXX, XX/XX/2022 at XXXX XXXX., I contacted Credit Management Control to file a dispute and spoke with their agent, XXXX. I informed her that I have been dealing with Identity Theft for the past months and let her know that I have lived in New Jersey all of my life and have no affiliation with Texas, which is the state the identity thief had opened this utility account under and prior utility accounts. Two addresses and a phone number were added under my credit report that are associated with this identity thief. Those addresses are XXXX XXXX XXXX, XXXX, Texas XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX. The phone number is ( XXXX ) XXXX, which is a number I have no association with.These are addresses and a phone number that need to be removed from my credit record. In addition, I have contacted XXXX to file a dispute about this collection since this credit bureau informed me about this collection by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX - 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 an account without my written instructions.

- 15 U.S.C 1681 C ( A ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of information other than the records of conviction of crimes which antedates the report by more than seven years.

- 15 U.S.C 1681s-2 ( A ) ( 1 ) 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 the information is 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
Consumer complaint received 2022-11-28 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, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX 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 an account without my written instructions.

- 15 U.S.C 1681 C ( A ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of information other than the records of conviction of crimes which antedates the report by more than seven years.

- 15 U.S.C 1681s-2 ( A ) ( 1 ) 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 the information is 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 explanation
Consumer complaint received 2022-11-28 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: CA

Complaint narrative:
I recently received a copy of my credit report and found that there are several accounts, that are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged accounts are listed as collection with a past due balance or XXXX balance. 

XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX, XXXX XXXX, KOHLS/CAPONE XXXX XXXX XXXX XXXX CAPITAL ONE BANK XXXX XXXX, XXXX/DEPT OF ED. 

This is a violation of the FCRA and is in violation of requisite XXXX XXXX compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report and required to remove any information that is not true, inaccurate, compliant, and verifiable. I demand that the above-mentioned derogatory items be investigated and permanently removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Siggi LLC
State: CA

Complaint narrative:
I've recently learned that this company has a history of a class action lawsuit ( ref. ADMINISTRATIVE PROCEEDING, XXXX XXXX. XXXX ). I have now found that this company has violated the Military Lending Act again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: CURO Intermediate Holdings
State: VA

Complaint narrative:
Hi this account with AD ASTRA RECOVERY SE was removed from my XXXX XXXX report based on online fraud this account was obtained under false pretense online with this company. I did not open this account and provided no information to this company please remove this account from my credit report. 

XXXX XXXX this account was obtained by phone or online under false pretense i did not open this account and use services related to this company this account was removed from my XXXX XXXX account based on fraud please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/XXXX, I discovered that my chime account has been locked without any explanation. The notification told me to email " XXXX '' to proceed. 

After emailing " XXXX '' twice, I called the support line, who told me to email " XXXX '' instead. 

I emailed XXXX on XX/XX/XXXX, and XXXX more times after that at different days. Each time I emailed, I also called the support line, who told me to be patient. 

After filing a complaint to the XXXX  on XX/XX/XXXX ( more than XXXX weeks after I sent an email to XXXX without a response ) They finally responded with next steps on XX/XX/XXXX, a full XXXX weeks after my initial email. 

They continued to ask for me to provide more and more documentation, which I did provide. 

After sending in everything, they notified me that my account has been closed, and I am not elgible for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX  account # XXXX XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX account XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-11-28 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:
I filed a police report and disputed this account XXXX  card services Acct # XXXX with XXXX XXXX and Experian. I also filed a fraud dispute with XXXX card services and they are still reporting inaccurate information on my credit report. The above account does not belong to me. I do not deserve this negative account reporting on my credit file from the above agencies.

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