vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-03 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: FL

Complaint narrative:
EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX Account refuses to be removed by Equifax or XXXX XXXX. 7 years have transpired. Still being reported as of XXXX XXXX XXXX IS FULLY AWARE OF THIS, THEIR SNARKY RESPONSE IS VIEWED AS INTENTIONAL DAMAGE TO MY CREDIT REPORT FOR AN OLD EXPIRED ACCOUNT OVER 7 YEARS OF AGE. I WANT THIS ITEM REMOVED. 

XX/XX/XXXX, L XX/XX/XXXX, L XX/XX/XXXX, L XX/XX/XXXX XXXX XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *DATE OF MAJOR DELINQUENCY 1ST REPORTED *ACTIVITY DESIGNATOR *ACCOUNT HISTORY. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX $ 0 Monthly 31 Closed Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date XXXX XXXX. 
1st Rptd Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXX {$930.00} {$930.00} XX/XX/XXXX XX/XX/XXXX {$930.00} Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Charge Off Revolving Charge Account Individual Accoun

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP

Complaint narrative:
This is a continuing complaint from one that you closed that was not to my satisfaction because I did not get my scammed money back from Bank of America. As a Bank if America customer I authorized the transfer of my money through XXXX to a person who I thought was legitimate at the time but who was a scammer. 

The details to this case are on my previous complaint. 

I want this case reopened and I want Bank of America to be accountable and pay me back money I list authorizing its transfer through XXXX to who I thought was a legitimate person at the time but who I later found out was a scammer. Yes I authorized the money transfer -/ only later did I find out the perdn was a scammerbut bank of America is claiming there is nothing they can do to recover my money nor do they want to pay me as they said I authorized it. Yes o did, but if I knew they were scammers, would I have transferred it? Bank of America is getting away with XXXX and the federal government and CFPB is not doing enough to help defrauded customers like me. Clearly if XXXX didnt make it that easy I clearly would still have my money right now. The bank is asking me to contact the scammer. Really? If it were that easy to recover my money from the scammers I wouldnt be wasting my time writing these complaints. I will not let up until I get my money back.

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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
Consumer complaint received 2022-09-03 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: MO

Complaint narrative:
I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX Balance : {$11000.00}

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 non-monetary relief
Consumer complaint received 2022-09-03 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: MO

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$4700.00} ; XXXX Balance : {$530.00} ; XXXX  XXXX Balance : {$510.00} ; XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2022-09-03 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: MO

Complaint narrative:
I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXXBalance : {$22000.00} XXXX XXXX  XXXX Balance : {$11000.00}

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 non-monetary relief
Consumer complaint received 2022-09-03 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: MO

Complaint narrative:
I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXX : {$22000.00} XXXX XXXX  XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2022-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: KY

Complaint narrative:
15 usc 1692c ( a ) Didnt give this company my information No contract stolen information 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: MO

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$4700.00} ; XXXX Balance : {$530.00} ; XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2022-09-03 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: MO

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$1100.00} XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$4700.00} ; XXXX Balance : {$530.00} ; XXXX  XXXX Balance : {$510.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: 21ST MORTGAGE CORP.
State: AL

Complaint narrative:
On XX/XX/XXXX at XXXX AM in my divorce decree it was ruled that I gave the home to my ex-husband and was no longer financial responsible for the home. 
XXXX CIRCUIT COURT OF XXXX XXXX, ALABAMA XXXX XXXX  XXXX, CLERK Since, I have contacted 21st Mortgage Corporation to have my name removed from the mortgage. On XX/XX/XXXX they received a certified letter from me requesting name removal from the mortgage ( Tracking Number : XXXX ). After numerous of attempts to remove my name before, on XX/XX/XXXX XXXX Judge : XXXX XXXX, XXXX XXXX the court the request of the parties, Plaintiff, 21st Mortgage Corporation XXXX and XXXX, XXXX XXXX XXXX XXXX it is hereby, ORDERED, ADJUDGED and DECREED as follows : Count One of the Complaint of 21st Mortgage Corporation ( `` Plaintiff '' ) is hereby dismissed without prejudice as to Defendant XXXX XXXX. 
XXXX XXXX XXXX is hereby rendered in favor of Plaintiff. Count Two of Plaintiff 's Complaint for the immediate possession of one ( 1 ) XXXX ( " Manufactured Home '' ). 
After the ruling, the home was surrendered. However the company has not attempted to get the home. Their failed attempt to retrieve the home after the ruling 1 year and 7 months ago, is affecting my life. My credit score has dropped dramatically. I have tried communicating but I have not received a response. The account is still reporting to the credit bureaus as open and reporting negatively on my credit report. As stated before, I am not financially responsible for the home. My ex-husband has ownership of the home and in judgement is fully financially responsible for all obligations with the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX, my mortgage holder, is reporting to Equifax that I am {$4300.00} past due and that my last payment was in XX/XX/XXXX. Not true. I am current, next payment due is XX/XX/XXXX and I havent been late in years. XXXX XXXX from XXXX has sent Equifax the correct information numerous times since XXXX and its still not fixed and he doesnt understand why they haven't updated it. I filed an online dispute with Equifax ( XXXX ) and the results came back that XXXX verified that the delinquencies were accurate! Not true. XXXX doesn't know who received my dispute at XXXX but it wasn't him. ( He said he is the liason for them ) My wife is listed first on our mortgage and her credit reports are all being reported correctly by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: ID

Complaint narrative:
Marcus refuses to let me use my credit card since I informed them about new cell phone number. They even verified my identity by sending me a code via text and e-mail. I have been calling them every day for the past week and they simply say that someone from a higher up office will be calling me back the next business day and they are unable to verify my identity. I have had this credit card that was purchased from XXXX  XXXX bank for over 13 years. They also state that they are unable to help me with the tools they are provided. I asked to be transferred to the department that can help and am told they don't take phone calls but will be calling me back. This never happens even though they promise someone will call back. Very poor customer service and Marcus doesn't give their phone representatives any way to help their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03 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: TX

Complaint narrative:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

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 2022-09-03 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: TX

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation