vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi - XXXX XXXX XXXX XXXX has refused several times to remove a deliquency from my credit report, despite my providing a screenshot from my online banking proving it was paid. I am happy to furnish documentation.

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 2021-09-09 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:
On XX/XX/2021 a letter accompanied by a copy of the police report filed and my photo i.d was sent to Experian ( credit bureau ). This was actually a third letter to the bureau, stating that the XXXX XXXX account with a {$200.00} balance is fraudulent. The company refuses to abide by the law and remove this fraudulent account under section 605b of the Fair Credit Reporting Act.

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 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: PA

Complaint narrative:
I signed up to kraken crypto exchange. I worried XXXX from my bank on XX/XX/XXXX. I understood there is a 72 hour or 3 day hold. we are going on 7 days and they refuse to release my money. They've asked me to send pictures write letters read articles etc which I did immediately as asked even though I felt that what they asked for was unwarranted. I felt bullied because I was at the mercy of their discretion toward my funds. It's been 2 days and I have not heard back and my emails to them have been unanswered. My money is still on hold. All I want is my money back in my bank account and off this site. I would warn everyone looking to sign up to stay away. There are tons of complaints against them and it's time we hold them accountable for actions such as this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with PNC BANK with Account Number XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 30 days late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status. Otherwise, delete this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX Account Number:XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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:
THIS IS NOT A DUPLICATE CASE. THIS COMPLAINT INCLUDES THE POLICE REPORT FROM A LOCAL POLICE DEPARTMENT AND A XXXX  REPORT WHICH BOTH NEED TO BE SENT TO ALL FRAUDULENT ACCOUNT DATA FURNISHERS. I contacted EQUIFAX on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person EQUIFAX had no written consent from me to furnish these accounts on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish these accounts on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and a natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, command that EQUIFAX remove these accounts from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by the consumer. Therefore you have 4 business days, and Congress states EVERY day is a business day, to remove this from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The accounts, addresses, inquiries, and names in question are attached to this report in addition to the FTC report and copy of 15 USC 1681c-2. They've had over 4 business days to remove these accounts that were created due to identity theft and have yet to do so placing themselves, EQUIFAX, in violation of 15 USC 1681 and pursuant to 15 USC 1681n each violation is worth {$1000.00}. Seeing that there are 46 accounts/pieces of fraudulent information on my report and in this attached ftc report , that's {$46000.00} that would be owed to me, the consumer if the accounts aren't removed before the end of this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Someone opened 3 XXXX  store cards in my name and I have no knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: NJ

Complaint narrative:
I am a victim of identity theft. There are fraudulent accounts on my credit profile that needs to be removed immediately. I have never had accounts with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, I never have had any credit cards in my life. I have never lived at any of the addresses listed on my report and my name is not XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: MD

Complaint narrative:
XXXX, XXXX and Experian was notified by certified mail of a bankruptcy on my credits reports on XX/XX/XXXX XXXX To remove it off my public records or investigate while its XX/XX/XXXX and i have not heard anything from them. Its been a ongoing problem since XX/XX/XXXX they sent me a letter stating that the courts of bankruptcy verified the bankruptcy and the courts sent me a certified letter stating that they don't release that kind of information its illegal for them to. I would like for it to be removed because they didn't provide me accurate information nor respond in a timely manor.

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 2021-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a call from Chase Bank fraud prevention department on XX/XX/XXXX, that they see some transactions done in XXXX on XX/XX/XXXX and XX/XX/XXXX at below stores using XXXX XXXX . As per Chase bank they declined few transactions as it was suspicious but posted below transactions to my account. 

{$1100.00} ( XXXX XXXX XXXX ) {$810.00} ( XXXX ) {$800.00} ( XXXX XXXX ) I immediately mentioned that charges were fraud and not done by me as I did not use XXXX XXXX  ever and was physically present in USA during that period.The Credit card was in my possession during that time. 

Chase bank removed the charges from my account for few days and reposted back the same amount on XX/XX/2021 without any intimation. Upon contacting fraud department of Chase bank they mentioned that " I was benefited from transaction '' so they charged me the amount. I provided all the facts of my physical presence in US during that time and also mentioned that this charges were fraud and I have no link tied to this. I provided my passport copies which clearly mentioned my physical presence in US during that period. Also the charges are fraud which I am being billed by Chase bank. There is no communication from Chase bank on what basis my fraud case was closed and did not provide any justification. 

My passport was under renewal at XXXX XXXX XXXX XXXX, XXXX from XX/XX/2021 till XX/XX/2021. The fraud transaction date was on XX/XX/XXXX during which my passport was under renewal process and definitely I could not travel without my passport. Attaching the same info along with CBP data for my recent US entry/exit dates. With all this proofs I decline the charges charged to my Credit card using XXXX XXXX, which I believe I am victim of this fraudulent crime held.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX reporting XXXX open balance. This account was included in my bankruptcy and the information is not correct. I have contacted the credit bureau and it was removed but keeps coming back under a new collection agency. This is a breach and I can sue for reporting inaccurate information. 

XXXX XXXX XXXX- 3 accounts on credit that was open fraudulently. I have notified the company and credit bureau and they still placed it on my report. The account was opened not even with my social and the person changed my middle initial. One card the balance is XXXX, next XXXX, and 3rd XXXX. Please remove this accounts from my report or find out who opened them and put on their credit. REMOVE IMMEDIATELY AND DO NOT PLACE BACK ON MY REPORT. 

XXXX XXXX- XXXX- This account I have no knowledge of- Called and company keeps telling me its my account and can not provide any proof that it belongs to me. Told me to dispute with credit agency and agency is doing nothing to help me in these fraudulent cases. 
XXXX XXXX XXXX- XXXX This account I have no knowledge of. I have attempted to contact company and they fail to give me any details because I cant confirm the details on the account- So they need to remove, XXXX- XXXX XXXX XXXX XXXX - Never opened any account with this back. I dont know if this is a credit card or bank. This account just appeared out of nowhere so I havent contacted them as of yet. But I know it doesnt belong to me. So please remove. 

I havent had a job in over 2 years and no new accounts were opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: NY

Complaint narrative:
On XX/XX/2021 a letter accompanied by a copy of the police report filed and my photo i.d was sent to Transunion ( credit bureau ). This was actually a third letter to the bureau, stating that the capital one account with a {$200.00} balance is fraudulent. The company refuses to abide by the law and remove this fraudulent account under section 605b of the Fair Credit Reporting Act.

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 2021-09-09 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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:
I reach out to you all back in XXXX about me seeing accounts on my credit that I know nothing about. These folks are reaching out and sending letters and threantening me and I told them those are not my accounts. Can you please help me Im doing this on my own and need your help. A few of the accounts I mentioned back in XXXX did come off but there are still some on there XXXX, XXXX, XXXXXXXX XXXX XXXX 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 2021-09-09 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: GA

Complaint narrative:
I reach out to you all back in XXXX about me seeing accounts on my credit that I know nothing about. These folks are reaching out and sending letters and threantening me and I told them those are not my accounts. Can you please help me Im doing this on my own and need your help. A few of the accounts I mentioned back in XXXX did come off but there are still some on there XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: GA

Complaint narrative:
XXXX ran a credit check on my ssn in XX/XX/2020 when the account I had with them was a business loan using my EIN and it had already been sent to an attorney for collections.

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 2021-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Back in XXXX of XXXX my loan servicer was XXXX at the time. I was going through some financial issues related to Hurricane Harvey and was nearing the threat of foreclosure. To stop this from happening I applied for loss mitigation in XXXX of XXXX. By the time the possible foreclosure date got around I had not been approved for loss mitigation yet. This resulted in having to come up with {$23000.00} to send into XXXX XXXX hired law firm, XXXX, via cashiers check to keep the house from foreclosing on XX/XX/XXXX. Conveniently on XX/XX/XXXX XXXX approved me for loss mitigation and I went ahead with signing the loss mitigation paperwork. I notified the law firm, XXXX, to not cash the cashiers check that was sent to them as they no longer needed those funds to come current. I went back and forth with XXXX  for about a month and finally they notified me that XXXX requested that they send the check to them directly. XXXX ended up cashing this check on XX/XX/XXXX in which I confirmed with XXXX  XXXX XXXX that is was officially XXXX  who did cash the check. With this being done, there was no reason to keep the lien on my home from HUD. Nor was this additional {$23000.00} reflected on anything. My loan was then transferred to Dovenmuehle on XX/XX/XXXX. 

Come present day, I am in the process of trying to sell my home and the only item keeping this from happening is the XXXX that was wrongly put on the house by XXXX  or XXXX  knowingly cashed a check that should have not been cashed. After dealing with XXXX for over a month they notified me on XX/XX/XXXX that I have to get this lien removed by Dovenmuehle. Why this was not said to me We have even reached out to XXXX  and they informed us that " Dovenmuehle recorded the mortgage in HUD 's name but they haven't filed a partial claim with HUD yet. '' I reached out to Douvenmuehle whom is my current lender to seek immediate help and was given the same routine as XXXX gave me. Basically fax all information to their research department and I would hear back in 48 hours. Mind you, the overwhelming amount of evidence and documentation that has been sent to both lenders should make this a very easy process. I called today, XX/XX/XXXX, because I had not heard anything back and was told that I had to wait 72 hours before getting a response. I am at a point to where I am threatening legal action and the representative said they would escalate to a manager in hopes that I hear back soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX Credit Bureau is reporting inaccurate information on BARCLAYSBK with Account XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX of 2021 Kohls put a late payment on my account. This was a payment processing issue on Kohls end and was confirmed by three employees from Kohls and management when I called in. One of the employees even disputed the late payment for me because she said it was Kohls fault. The employee went out of her way to dispute after management was talked to and got management approval to do so due to Kohls taking ownership of the payment processing issue. The issue is showing on all three bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: DE

Complaint narrative:
I am a victim of identity theft. There are fraudulant accounts on my credit profile that needs to be removed immediately. 

Fraudulant Creditors : XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation