vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 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: VA

Complaint narrative:
I am writing in one last attempt to resolve the issues that I have been experiencing since XXXX, because of XXXX  failure to follow the law. I previously contacted your office and informed you that I am a victim of identity theft, where my information has been stolen and sold multiple times, and used to obtain goods/services without my consent in different areas of the country. 

Additionally, I previously, requested via mail that you block the unauthorized inquiries from my report maintained by your office because they are a result of identity theft and I did not authorize my report to be ran by anyone, nor did I request anyone run my report. 


Fraudulent Account : 1 ) XXXX XXXX Acct : XXXX 2 ) XXXX XXXX XXXX Acct : XXXX 3 ) XXXX XXXX  XXXX  Acct : XXXX Fraudulent Inquires : XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Hello my name is XXXX XXXX I'm A federally protected consumer, i would like to thank you for the opportunity to address your concerns regarding Experian ( consumer reporting agency ). This reporting agency ( Experian ) has infringed upon my right of privacy. I have made multiple disputes to my consumer report regarding this unfair reporting. Through my thorough investigated I have found that this reporting agency was reporting approved extension of credit showing payment history which should have been excluded from my consumer file. I XXXX XXXX XXXX ( Consumer ) have never given consent for this reporting agency ( Experian ) to report Any information dealing with specific extension of credit which is a violation under the FCRA 15 usc 1681a ( 2 ) ( i ), Nor did i ( consumer ) give written consent to report Any accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on my behalf is under violation of 15 usc 1681b ( 2 ). No consent is defined as identity theft. If consumer reporting agency remits violations, please provide me and Consumer Financial Protection Bureau ( CFPB ) My initial signature authorizing consent to such action, please provide to me exhibits to back this supporting claim of fraud. These are Federal violation under FCRA, and hope this complaint is taken seriously, if not my next step will be litigation if accounts listed are not removed immediately. i ( consumer ) have provided my identity notarized to authorized this complaint. I believe that i ( consumer ) have fully addressed my concerns of the validity of this matter, will still stands.

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 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX sold my mortgage to NewRez. My XXXX  XXXX XXXX continued to take auto pay money from my account and pay XXXX. In XXXX XXXX returned the money to me. I did not know that the mortgage was sold I had no idea what NewRez was. I missed two months of my mortgage payment due to the transition. I called XXXX  and found out the mortgage was sold. I called NewRez to make payment using my checking account. I paid 2 months and got caught up. They did not process the payment. A month passed when I got a notice saying Im 4 months behind. I called NewRez again and I paid. This time they did process the payment. NewRez charged me {$220.00} in late charges. The representative said he did not have the power or authority to refund them even given the circumstances. I asked for a manager and they did transfer me. The manager told me that she would pull the recorded tape and get back to me by XXXX XXXX that day. She did not. Of course, she would not give me her last name or extension.

NewRez on line systems are sub par. When I called last week, for 2 days I could not get the customer service line. As soon as I would choose 2 for support, the line was disconnected. 

All I want is my {$220.00} back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I just resolved a complaint with M & T in XXXX XXXX. As we were resolving that complaint, a XXXX transaction that didnt belong to me came into the account. I alerted them immediately that the transaction was invalid and didnt belong to me. I told them to return it immediately because the money did not belong to me. M & T refused to return the money. I have been in touch with the individual that sent the money in error. We have conducted business in the past but he sent the money in error. I explained this to the bank and they refused to return the money. The individual is now considering pressing charges because the {$400.00} has not been returned. I am asking the CFPB to investigate this matter. The bank was trying to clear up the left over negativity balance in my account. They refused to return the money even after my continued requests and then demands to return the money. I will share this complaint number and all correspondence with the individual.

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 2021-03-09 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: NY

Complaint narrative:
Experian is reporting that I have a dismissed chapter XXXX bankruptcy that was verified through XXXX XXXX and I sent them a copy of my XXXX XXXX information to Experian that my XXXX XXXX report does not have a dismissed chapter XXXX bankruptcy included in it. It is not 100 % accurate and i sent them a dispute letter asking for it to be verified and if is not verified please remove it.

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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I sent a debt validation letter to Transworld Systems in XXXX. I haven't received a response from the company to provide validation of debt to date. However, they continue to report this debt on my credit report without providing proof of a signed contract. Please have this collection removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I requested that XXXX XXXX XXXX send me a copy that I owe them {$430.00} dollars. That I took out a credit card with them they said they dont have to verify the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX CARE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell.

I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA

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 2021-03-09 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: AR

Complaint narrative:
XXXX XXXX XXXX CARE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
This is in reference to a fraudulent charge recovery request from numerous collection agencies, which XXXX XXXX is fraudulently claiming I created on XX/XX/XXXX. XXXX has never tried to contact me by phone, or at the address where I reside concerning this account in any way whatsoever. I have never opened an account with XXXX, or been in a XXXX store, or ever contacted XXXX concerning service. I had refuted the charges to XXXX, XXXX, and XXXX. XXXX  and XXXX did remove the fraudulent charge, but XXXX  will not remove the fraudulent charge without consent from XXXX XXXX. This charge has been tossed around from XXXX debt collector to another. When I got a letter from XXXX XXXX XXXX. I refuted the charges and sent them a written notification that I do not own the debt and will not pay. The charge is then passed on to Jefferson Capital Systems LLC., I refuted the charges and they pass the fraudulent charge on to XXXX  XXXX XXXX XXXX XXXX again, I refuted the charges. And the circle continues. 
I have contacted XXXX fraud department by phone ( XXXX ) and was told, by a representative, XXXX, on XX/XX/XXXX that the account exists but has not been used. I was told, by XXXX, that my name and social security number will be removed from that account, and the reporting agencies notified, and that I would receive an email stating that it has been cleared. I informed the XXXX representative that I have never lived at the address listed on the fraudulent account, and I have never seen, or not familiar, with the telephone number listed as the contact number. I have not heard from or been contacted by XXXX fraud department since this call. 
I recently received a threatening letter from Jefferson Capital Systems concerning the debt and that they can sue me and will continue harassing me about this charge. ( Letter attached ). I need my name and social security number disassociated with this fraudulent charge and the credit reporting agencies updated.

See attachments :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY CARD AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: UT

Complaint narrative:
Hello my name is XXXX XXXX I'm A federally protected consumer, i would like to thank you for the opportunity to address your concerns regarding Transunion ( consumer reporting agency ). This reporting agency ( Transunion ) has infringed upon my right of privacy. I have made multiple disputes to my consumer report regarding this unfair reporting. Through my thorough investigated I have found that this reporting agency was reporting approved extension of credit showing payment history which should have been excluded from my consumer file. I XXXX XXXX XXXX ( Consumer ) have never given consent for this reporting agency ( Transunion ) to report Any information dealing with specific extension of credit which is a violation under the FCRA 15 usc 1681a ( 2 ) ( i ), Nor did i ( consumer ) give written consent to report Any accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on my behalf is under violation of 15 usc 1681b ( 2 ). No consent is defined as identity theft. If consumer reporting agency remits violations, please provide me and Consumer Financial Protection Bureau ( CFPB ) My initial signature authorizing consent to such action, please provide to me exhibits to back this supporting claim of fraud. If Affidavit is not rebutted with proof, litigation process will start with this agency. I have identify my identify through a notary presentment. These are Federal violation under FCRA, and hope this complaint is taken seriously, if not my next step will be litigation if accounts listed are not removed immediately. I believe that i ( consumer ) have fully addressed my concerns of the validity of this matter, will still stands.

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 2021-03-09 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: NC

Complaint narrative:
I filled a dispute to in regards to incorrect items on my credit report. It's been well over 30 days and i haven't any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have disputed the account alleged by XXXX XXXX XXXXXXXX XXXX for {$690.00}. Experian says the account meets the FCRA, however that is impossible. I have disputed the alleged account since I discovered it last fall.. Approximately XX/XX/2020. I have made several phone calls and sent letters via USPS to XXXX XXXX XXXX XXXX All of which have been ignored, and XXXX has failed to send any proof or verification of the account knowing my current address. Thus XXXX has failed to meet the requirements of the FCRA thus Experian is publishing FALSE information knowingly as I informed Experian of this many times. For that Experian should be fined for violating the FCRA rules. Experian has illegally put too much weight in information from a data furnisher, which should be given less weight then the alleged account holder.

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 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i have a checking account and recently i get laid off from my job i accidentally make a mistake transfer money to another account and on XX/XX/XXXX i got a return fee XXXX dollars take out from my account i talk to the bank about my situation but the customer service don't want to help.

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 monetary relief
Consumer complaint received 2021-03-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
CREDIT FROM CHASE IS SUPPOSED TO BE IN THE FORM OF A CHECK SENT DIRECTLY TO ME SINCE I SPECIFICALLY TOLD THEM IN MY PREVIOUS COMPLAINT THROUGH THIS FORUM THAT I WILL NEVER BE USING THAT CARD AGAIN!!!! CREDIT ON A CARD I WILL NEVER USE AGAIN IS COMPLETELY USELESS TO ME!!!! UNACCEPTABLE CUSTOMER SERVICE!!!! 

RESPONSE TO PREVIOUS COMPLAINT WAS SUPPOSED TO BE SENT BACK TO CHASE BUT APPARENTLY NEVER WAS!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: VA

Complaint narrative:
I am writing in one last attempt to resolve the issues that I have been experiencing since XXXX, because of XXXX failure to follow the law. I previously contacted your office and informed you that I am a victim of identity theft, where my information has been stolen and sold multiple times, and used to obtain goods/services without my consent in different areas of the country. 

Additionally, I previously, requested via mail that you block the unauthorized inquiries from my report maintained by your office because they are a result of identity theft and I did not authorize my report to be ran by anyone, nor did I request anyone run my report. 


Fraudulent Account : 1 ) XXXX XXXX Acct : XXXX 2 ) XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX-XXXX Acct : XXXX Fraudulent Inquires : XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation