vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 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: CA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING AND XXXX  ACCOUNTS -XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS - 15 U.S.C 1681 SECTION 603 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

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 2022-04-15 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: AR

Complaint narrative:
I am a victim of identity theft. I have summitted disputes to the credit bureaus about fraudulent activity on my credit reports. I have not been shown any proof that these items were done by me. I have not seen any contracts or signatures. I want these items removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: LEXISNEXIS
State: IN

Complaint narrative:
On XX/XX/2022 I made a complaint about LexisNexis reporting inaccurate fraudulent and deceptive information XXXX is the original complaint number. LexisNexis came back to the cfpb stating that the information that they were giving out could NOT be verified so by law they have to delete this information. But come to find out LexisNexis was very deceptive they in fact did Not delete this information and they are in fact still reporting this information to all three credit bureaus. I asked LexisNexis to delete this information from ALL of their systems. Also to send this information to all three credit bureaus who they reported/sold this information to stating this information was inaccurate.LexisNexis failed to do anything that they said that they done and this is very deceptive. I have spoke to LexisNexis several times and they are stating to me that they do not have to delete this information out of their unverified side of their company and that they do not have to follow the cfpb rules with an unverified information. But if the information is unverifiable How are they still verifying this information with anyone if they can not verify it. LexisNexis is falsifying information using deceptive practices also knowingly and willingly disregarding the law. I have upload a paper from them stating that they have deleted this information I will also show a new credit report where it is still being verified by Lexis Nexis. LexisNexis time frame to do there so-called investigative report has expired I'm demanding that they delete this information within XXXX hours or else I will seek remedy I also attached a copy of my passport because LexisNexis always try to say that I did not send proper identification to verify who I am

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I originally filed a complaint with Caliber Home Loans during the PMI removal process. Significant delays from their side created a situation that prevented my possible PMI removal to be delayed. In their response to that complaint, Caliber replied on XX/XX/2022 that due to their significant processing delays, in the event the PMI was subsequently removed, they would go back and refund the PMI taken from XX/XX/2022 up to present. I have attached that specific response to this filing from the previous complaint, as well as, the PMI removal approval letter dated XX/XX/2022 to support the successful PMI removal and my follow-up request for Caliber to follow through with this resolution. 

I have contacted Caliber several times to discuss the PMI refunds, but no one has responded, so I'm filing another complaint as this seems to be the only way to get a response. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is discriminated against my race. I came to the U.S in XXXX  from XXXX to study aboard. I was provided a social security number since I worked park time on campus. After that, my first XXXX XXXX account was opened with Chase. One day the bank chose to close my account without any reason. Since I only use the account receive pay checks from the school and paid for my food expenses, no illegal activities and fraud were involved. It has been 10 years and I became an U.S citizen now. I came to a Chase Branch to open a checking account with them. A banker said that I had been ban for life doing business with Chase. My XXXX  score is XXXX, and I have never been on any backlist. Im so disappointed the way Chase is handle its business with a hard working XXXX  like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2022 unauthorized money withdrawn amount XXXX. XX/XX/XXXX filed a fraud report and investigation through Citibank. The company told me it will take 10 business days for them to get back to me about their decision in regards to the case.

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
on XX/XX/2021 i talked to an agent which promised to provide you me with a loan using soft inquiry on my credit report. once i handed him my information they ran my credit and they never gave me the type of mortage i wanted to for a home or so. i tried contanting the company XXXXROCKET MORTGAGE L XXXX and they didn't wanted to help me remove the inquiry on my credit report even when i told the agent that i never allowed the agent to run a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: AR

Complaint narrative:
I am a victim of identity theft. I have summitted disputes to the credit bureaus about fraudulent activity on my credit reports. I have not been shown any proof that these items were done by me. I have not seen any contracts or signatures. I want these items removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 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: DC

Complaint narrative:
A fraudulent reservation was made through the XXXX website using my XXXX financial loan info without my consent or knowledge. I contacted XXXX to report and dispute the unauthorized/fraudulent activity and after 30 days they settled on a resolution that I still owe this loan but did not provide any proof or reasoning why. I contacted XXXX to confirm that I've never had an account or reservation with them and asked if they had any knowledge of this reservation, which they did, and they've since removed the reservation from their site but claimed they would refund the full reservation amount since their was fraudulent activity done and they would look into it. NO additional information was provided from XXXX regarding the reservation. I also filed an affidavit with XXXX  and submitted a FTC report on both organizations as a response to the resolution that I was a victim of identity theft and that the reservation made on the XXXX website was not done by myself or with my knowledge or consent. XXXX has since sent the now delinquent loan to 3 different collection agencies and 2 of the 3 stated that with the proof of documentation I provided to them, they would not be pursuing debt from me on this loan and would contact XXXX to confirm their decision. XXXX did not reach out to me with any updates or information at any point but proceeded to send me the third collections agency which I have not received any communication from. I've also filed a fraudulent dispute with Experian in XX/XX/2021 and they also came back with a resolution that the XXXX loan will remain on my account. I have received no documentation to prove this debt is mine but have filed and sent fraudulent and identity theft reports, a signed affidavit, several calls and emails proving this loan was fraudulent, unauthorized and that it should be removed from my credit report. I've spoken to several XXXX supervisors and representatives that have a log of all the calls and emails and supporting documentation that proves this loan was not authorized by myself and should never have been approved.

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 2022-04-15 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: GA

Complaint narrative:
I paid XXXX XXXX off on XX/XX/2022 which shows a {$0.00} balance and that the account was closed. However, they still keep reporting charge offs to the credit bureaus. A charge off was reported for the month XXXX and XXXX. I have sent a dispute but as of today nothing has been fixed.

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 2022-04-15 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: GA

Complaint narrative:
I paid XXXX XXXX off on XX/XX/2022 which shows a {$0.00} balance and that the account was closed. However, they still keep reporting charge offs to the credit bureaus. A charge off was reported for the month XXXX and XXXX. I have sent a dispute but as of today nothing has been fixed.

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 2022-04-15 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: GA

Complaint narrative:
I paid off XXXX XXXX on XX/XX/2022 which should reflect a {$0.00} balance and closed however Equifax is still showing a balance and the account is incorrectly reporting to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In XXXX of 2022 I disputed a account collection account by the name of XXXX XXXX XXXX. It says the original creditor was XXXX. This collection was deleted now it has reappeared in XXXX with a different collection account name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX of 2022 I disputed a account collection account by the name of XXXX XXXX XXXX. It says the original creditor was XXXX. This collection was deleted now it has reappeared in XXXX with a different collection account name 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 2022-04-15 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: MA

Complaint narrative:
Experian has been violating 15 U.S.C. 1681 by reporting inaccurate credit reports on my consumer file and sharing medical information. They have been sharing my personal information without conducting an investigative consumer report, pursuant to 15 U.S.C. 1681a ( e ). They have never asked for my written consent to do so.

Also under 15 U.S.C. 1681 ( 4 ) by Experian not exercising their grave responsibility with fairness and impartiality, also by them reporting inaccuracies on my consumer file, they have not respected my right to privacy.

Also pursuant to 15 U.S.C. 1681 ( 3 ) Experian has assumed a vital role in assembling and evaluating my consumer credit, and they have not done this, nor can they provide me with information that they have done so.

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 2022-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Dear Attorney General, Sending you the photos statements of the TCF bank that was internet hacked, stealing out my account over {$100000.00} to {$120000.00} Also included is the attorney 's XXXX XXXX 's letter he has sent to TCF Bank. Including is the denial letters from TCF bank, they said i profit from the the person 's that stole my money out of my accounts, which i never did! How could i have profit when my money was stolen from my accounts! TCF bank never put a stop of the money the person 's wired out of my accounts.

I did not know my money was stoien from my accounts for a week when i went to TCF bank, TCF never notified me!

TCF bank sold their bank to Huntington bank, I been trying very hard to have Huntington bank to give me back the money that was wire stolen from my accounts, they said they could not do anything [ nothing ] for me, because TCF bank shut down my account and they have no record of my accounts, I said but i do have the bank statements, but yet Huntington bank wants me to pay back the two fraud checks total {$11000.00} that was sent to me from the sweepstakes scam from XXXX XXXX XXXX bank which i deposit in TCF bank, both checks bounced. How did Huntington bank have this account record from TCF bank, and not my other accounts?

Huntington bank has all my TCF accounts information, they keep lying to me! They do not want nothing to do with me, they told me that they could not help me!

There should be some laws for banks to protect your money, i am hurting, the money was wire stolen from my TCF accounts, Huntington bank should be held responsible to give me back my stolen money, they have my TCF accounts, when i talked to other persons in the dispute department they said they are waiting for my TCF bank accounts, later when i called they told me they found them, now they tell me they don't have any accounts of my TCF accounts, and will not do nothing more for me!

I hope you could please help me recover my money, to get Huntington bank to give me back my money that was wire stolen, from the TCF accounts. TCF bank sold their bank to Huntington bank, they did not care of the money wire stolden out of my accounts!.

I am hurting, please help me get back my money from Huntington bank, that was stolen from my TCF bank accounts. 


Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # 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

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 2022-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On all three credit bureaus, there is a Capital One account that is showing opened XXXX and closed XXXX. I have the last 4 of the account from my credit bureaus. Yet, Capital One shows NO account at all with the number I have, under my name or SSN. Capital One says the Credit Bureau should remove it - The Credit Bureau says it is Capital One who should. I've filed disputes in XXXX and XX/XX/XXXX- they do not respond to the issue, and only say the " account status is closed ''. I do not ask for a status- I ask for the account to be removed from my credit bureaus because my SSN isn't on the account! An hour plus on the phone and several phone investigations on XXXX, Capital One confirms the account isn't attached to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX and Transunion have reported incorrect information on my credit report for account XXXX XXXX. it is affecting my credit to the point I can not get a job or purchase a home Account details about worst payment status of XXXX days late is inaccurate on my Transunion report XXXX XXXX report is reflecting the same thing which is derogatory and affecting my credit as well. I have mailed in custody papers showing I have custody of my child. I have requested validation of the account. I have requested a copy with my signature on it showing where there is a signed agreement between me and this company. I have requested documentation that I gave permission for this account to be reported to the credit bureaus. 

I have also disputed inquiries on both reports ( Transunion and XXXX ) that I do not even have active accounts for that were done fraudently in my name and XXXX and Transunion refused to remove them from my credit reports They have refused every single request and have not provided me with anything I have put in writing sent to them certified along with my identifications to verify I am who I say I am as well. 

Due to them violating my rights, I have ben refused jobs and now I am being refused purchasing of a home because of this. I am attaching my current XXXX report because it is not on my report and the other two credit reports should reflect the same as 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 non-monetary relief