vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
in review of my credit file i see two recent inquires on my 3 credit reports that i believe are fraudulent. 1 ) XXXX XX/XX/2023 & 2 ) XXXXx Mortgage XXXX XX/XX/2023 I would like these two inquires removed.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
in review of my credit file i see XXXX recent inquires on my 3 credit reports that i believe are fraudulent. 1 ) XXXX XX/XX/2023 & 2 ) Equifax Mortgage Solut XX/XX/2023 I would like these XXXX inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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 XXXX XXXX XXXX. 

The letters are stated with items and issues. 

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 non-monetary relief
Consumer complaint received 2023-07-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a living person. I have rights under 15 USC 1681 The 3 major credit bureaus are govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. Furthermore in regards to these accounts below : the " date opened '' dates do not match across the 3 bureaus. In addition, multiple accounts with late payments have inaccuracies in regards to how many days late these accounts were paid. For example, many are reported being 30 days late on 1 credit bureau but that same account is being reported as 60 days late on another credit bureau. How can this be? 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 Please note these are not the full account numbers. They contain **** at the end of each and will not be given here in order to protect my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
I gave updated information regarding this fraudulent account ( account XXXX ) on my credit report that the debt collector requested. I'm aware that this is all that's needed to process this false account

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase Sapphire Preferred credit card with one of the benefit being a luggage delay insurance. 

The Baggage Delay benefit as outlined in the Guide to Benefits provides reimbursement for the emergency purchase of essential items, such as toiletries, clothing, and chargers for electronic devices ( limit one per device ), when [ the ] baggage is delayed while on an eligible trip. The maximum benefit is one hundred ( {$100.00} ) dollars per day up to a maximum of five ( XXXX ) days per claimant. Really very simple. 

My husband and I travel from XXXX XXXX via XXXX to XXXX. Two pieces of luggage were left behind in XXXX on XX/XX/XXXX. We arrived in XXXX on XX/XX/XXXX ; our bags were finally delivered to our hotel in XXXX on XX/XX/XXXX at XXXX. We left XXXX for XXXX on XX/XX/XXXX in the morning. 

I have filed a report with XXXX XXXX XXXX  on XX/XX/XXXX more than XXXX  months ago with all required information and documentation provided. 

Over weeks and months following the incident, I have emailed and requested status updates a total of XXXX times, called additional times only to either not hear back or be told that additional information was needed or to be told to be patient. The case was shown as pending online all along, no change of status here neither. 

I know others had mentioned that new requests for information or materials seem to be coming your way every few weeks or months. The last one was the request for the credit card statement listing the purchases we had to do while not having any luggage. I had first provided this statement on XX/XX/XXXX. I was asked for it again on XX/XX/XXXX. Ive resent it three times since. No reply. Also, the online status has since changed to closed. 

XXXX XXXX XXXX state in emails that they will review supplied documentation within XXXX business days and review correspondence within XXXX days, however that does obviously not occur. 

Half way through this process, I was also asked to provide a confirmation of the settlement with the airline that lost the luggage. 
An interesting request given that per their Guide to Benefits, this benefit is payable on an excess basis over and above any amount due from any other valid or collectible insurance or any other form of reimbursement payable by those responsible for the loss. 
Still, unable to argue with them, I provided that settlement confirmation from the airline on XX/XX/XXXX. 

Its been two months since, a total of XXXX  months after the incident, and no resolution. 

The way card members are being treated by Card Service Benefits is utterly outrageous. On top, this is a relatively small benefit to receive in the big scheme of things, and very straightforward. Its obviously just a clear tactic to delay payment in the hope that people eventually just give up and move on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am hereby requesting the deletion and removal of the listed accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported, and their presence on my report constitutes a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted from my consumer report to rectify the violation of these laws. Immediate action is required to ensure compliance with the FDCPA and FCRA. Please remove these accounts and associated information without any delay

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

My credit will not be penalized for the late payments caused by Truist Bank 's failure to calculate all the fees. This was a mistake on the company 's part, not mine. The reported late payment amount of {$66.00} was a result of their negligence. I contacted Truist and authorized the automatic deduction of that amount due from my account. However, they failed to include it in the total due, leading to my late payment being reported. I was unaware of this fee.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am a victim of fraud, this account has hindered my ability to buy a home for my family. I have made a police report and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX response was to call them and authorize them to speak to you. I filed a complaint already here and again with them today. 

They wrote a note on my account to authorize resolution.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc.
State: NV

Complaint narrative:
Why are you requesting the same information I have already provided to you my identification verification and bill in my original correspondence to you, which leads me to conclude that you are intentionally violating my right to privacy. Nonetheless, I and sending you the information again with supporting documentation. Your agency is violating my right to privacy. The laws you are violating are clearly stated here. The civil liability law under which I will sue is identified here. Moreover, this is false reporting bcs this item was not furnished to you by the courts, or do you list the actual furnisher which violates the FCRA 15 Ucs 1681 but rather you purchased this negative information for profit. If you have no plans to share the profits of purchasing my data, then I DEMAND YOU TO PERMANENTLY DELETE FROM YOUR RECORDS.

Violation : Pursuant to 42.56.070 Public records can only be used for Academic research and can not be used for commercial purposes.

Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances or no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Note : You need my written consent to add anything to my consumer report and I did not give this authorization therefore you are in violation of the Fair Credit Reporting Act 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to my report without my written consent could be considered Identity theft.

Pursuant to15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed.

thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, I have the right to opt out of anything in my report at any time and the companies must comply as soon as reasonably practicable after receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I submitted a request to Equifax to remove fraudulent inquiries. They completed their investigation and did not remove all of the inquiries. 

Please explain to me how you conducted your investigation by including the following : 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2. What certified documents were reviewed to conclude your investigation?

3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7. If yes to above : a. Who did you speak to?

b. On what date?

c. How long was the conversation?

d. What was their position?

e. What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g. What is the position of the employee of your company that spoke directly to the above party?

h. How long has that employee been employed by your company?

i. What formal training was provided to this employee to investigate items of this kind?

j. Was there any e-mail or written communication between members of your company and the above party?

Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in investigative consumer report described in 15 usc 1681a and e and several other laws, including but not limited to the Fair Credit Reporting Act. I must immediately demand the permanent removal of this item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Unifin Inc.
State: SC

Complaint narrative:
I have received calls from Unifin from the numbers XXXX ( XX/XX/2023 XXXX ), XXXX ( XX/XX/2023 XXXX ) and XXXX ( XX/XX/2023 XXXX ). Every time they call they immediately ask for my name and my social security number before giving me any information at all ( including where theyre calling from or that theyre a debt collector ). When I tell them my name is correct they give me the company name but still refuse to state why theyre calling or what the business Unifin is until I verify my identity. I have received zero written notification from this company, I do not know what debt they assume I owe them, and they will not give me any information unless I give them confidential personal information. This is illegal and they have been informed of such. They were also informed that if theyre a debt collection agency they can contact my bankruptcy attorney at which point they say they will discuss all further information when my identity is confirmed. At this point I always hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I am hereby requesting the deletion and removal of the listed accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported, and their presence on my report constitutes a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted from my consumer report to rectify the violation of these laws. Immediate action is required to ensure compliance with the FDCPA and FCRA. Please remove these accounts and associated information without any delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

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 2023-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
During our XXXX  XXXX bankruptcy our lender ( XXXX XXXX ) sold our loan to our current mortgage holder Carrington. During that time period Carrington Mortgage  began showing a late payment. We believe this occured as a result of some of our payment history not being sent from XXXX to Carrington. As I recall I requested several times, when the loan was first received by Carrington, for a payment history because I believed that their figures were not accurate and that I was paying the same month twice ( once when I was with XXXX and then again when it was sold to Carrington ). 
We are currently trying to do a refi with our house. The late payment history is not helping. 
Will you kindly look into this matter. Currently I have brought all my payments up to date. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/24 {$25.00} XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$35.00}

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 2023-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft and I made my bank card aware of this capital one I had a card that wasnt even active and they allowed to charge to go on that card and I never even had a card in my possession. I didnt get a card from capital one until after the purchase and I showed them proof on my XXXX XXXX account that Ive already paid for this XXXX  ticket on my XXXX XXXX but they said that since I took too long proving that it was not my charge that theyre not gon na take it off my account and then I have to pay for it anyway. I didnt take too long because I sent them exactly what they ask for I replied to their email.

Company response to consumer: Closed with explanation