vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Explanation : I would like to be provided proof I consented to this inquiry via FCRA XXXX XXXX and XXXX as well as the accuracy of this inquiry via FCRA XXXX XXXX. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.

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 2023-02-02 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: MI

Complaint narrative:
Im resubmitting 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 TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX LXXXX XXXX XXXX XXXXXXXX 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 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 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 2023-02-02 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: MI

Complaint narrative:
Im resubmitting 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 TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXS ) XXXX Balance : {$1000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I enrolled at XXXX XXXX  using federal funds and scholarships. I let the university know that I could no longer start the semester. The balance was paid through federal loans and grants. I called the University concerning this several times. There was a balance due after I notified XXXX XXXX  of my student enrollment status. I received a notice from my student loan servicer from XXXX showing the loan was taken out.. I had no agreement with XXXX  XXXX XXXX  nor have I acknowledged that I owe them anything. However, this collection remains on my credit report. I do not owe XXXX XXXX  anything. I do not owe XXXX XXXX recovery anything. I do not agree with this debt collector 's actions to put this on my credit report. This also shows up as a student loan on my credit report. The only notice I continue to receive is a notice saying that I owe a balance. I have disputed this account with the credit bureaus with no course of action. I've submitted and mailed many documents to Experian, XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
my name is XXXX XXXX i am writing you once again to complain about midland credit management a dept collector for violating my rights yet again as i have written this dept collector in the past and asked that this so called dept be validated and clearly i am feeling harassed and also in a deep XXXX over these tactics. 
the law states 15USC 1692 ( C ) ( A ) a dept collector may not communicate with a consumer in connection with any dept they are also in violation of 15USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) 15USC 1692 ( D ) ( 2 ) STATES a dept collector may not engage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with a collection of a dept with out limiting the general application of the foregoing following conduct is a violation of this section ( 2 ) the use of obscene or profane language the natural consequence of which is to abuse the hearer or reader 15USC 1692 ( B ) AND 15USC 1692 ( C ) ( A ) for all of these reason and more enclosed is all of the proof you need to see and also letters already sent certified mail with receipts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase literally just closed my account after I was robbed by XXXX XXXX I reported it and then instead of giving the money back to me chase kept it and closed my account. My taxes over XXXX XXXX dollars is about to go into that account and they have closed it and said they will hold onto my money as long as they want. They literally just told me in the Phone they will hold onto my money as long as they want despite me being the victim of robbery. They did not help me one bit and all they wanted to do from the start is steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I contacted American Express to request a leger including the charges on my account for verification. They only mailed the balance. I submitted a dispute on XX/XX/23 because I was unable to verify charges. The creditor updated my account with deceased which is false. This is their second time updating my account as deceased which is impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
I'm responding to CFPB case # XXXX XXXX case XXXX XXXX There was no place to add additional documents This case in hand was dismissed by Weitman, Weinberg, and Reis then vacated by XXXX XXXX XXXX therefore it should be removed from my credit report by all 3 reporting agencies As I've stated previously I was incarcerated from XX/XX/XXXX until XX/XX/XXXX and my balance with XXXX bank  XXXX XX/XX/XXXX was {$0.00} Someone stole my credit card when I was incarcerated and used this card Document # XXXX shows that on XX/XX/XXXX, I had been incarcerated since XX/XX/XXXX which had been 3 years 4 months and 28 days The statement from XXXX shows that I had a XXXX balance in XX/XX/XXXX and the charges started coming during XX/XX/XXXX Which is 6 months after I had been incarcerated XXXX in their response states someone made a jail call payment which was for {$26.00} and {$45.00}. So they think that makes me responsible for an additional {$9000.00} on other credit card purchases for one I was only one of millions of people throughout the united states incarcerated therefore anyone of millions of people could have made those jail calls for them and I'm quite certain if the person who stole my credit card information is stealing credit information, they more than likely know several other people in jail Another example it states on XX/XX/XXXX my credit card made a {$150.00} payment to XXXX XXXX XXXX ( XXXX  ) why would I make a payment to XXXX I didn't even have a kid in XXXX  in XXXX This is mere common sense if I was incarcerated how or why would I let someone run up my credit card. I hadn't been doing that with my credit. My credit score on XX/XX/XXXX was a XXXX. 
So after all those years of timely payments and building my credit score, all of sudden I just stopped caring about my credit score and let someone else run my card up. That literally makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have sent several complaint about these accounts and they still nothing has been done.

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 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
Repeatedly calls several times a day. Different phone numbers each time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: MS

Complaint narrative:
All PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE WILL NEVER MISS A PAYMENT ON THIS LOAN. 15 USC SECTION 1692 ( g ) REQUIRES VALIDATION OF DEBT REQUIRING A DUTY TO RESPOND AND FAILURE TO RESPOND IS EQUATED WITH FRAUD. This was a joint account my wife 's name also on this account XXXX XXXX this also damage her credit file. Experian & XXXX XXXX 15 USC 1681 This Creditor has violated my rights under this law section 602 states I have the right to Privacy Section 604 Section 2 it also states a consumer reportion agency can not furnish an account without my written instructions. Also the creditor has violated 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments -- -- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer.

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 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IOWA BANKERS MORTGAGE CORPORATION
State: IA

Complaint narrative:
I inquired on a PMI statement that I received in XX/XX/XXXX to my banker. I was told by my original loan officer that once I pay up to 78 % of the loan, the PMI will go away and I wont need to make any more payments. I decided to pay make an extra payment one month after the loan to be below the 78 % on XX/XX/XXXX. 

I now being told that XXXX XXXX  recognizes the extra payment to 78 %, but the loan is actually outsourced to XXXX and they go by the " scheduled '' to 78 % for the automatic cancellation and don't recognize extra payments. This means I have been paying a PMI for 3 years even though I have been clearly under the 78 % and was under the impression that I wasn't I will note. I did not send a letter to cancel my PMI to XXXX until now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX Me and my wife went to Chase Bank to deposit {$20000.00} however we were told there was only {$18000.00}. We then complained to the manager for which he was supposed to call back to fix the problem which he Never did. And on XX/XX/XXXX the same incident occured again, me and my wife went to the same Chase bank to Deposit {$5000.00} but we were told only {$4500.00} was counted. I was very frustrated and angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 called XXXX and Experian after I purchased a credit report with XXXX on XXXX After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to Experian and XXXX on XXXX I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that this account will be corrected. 

XXXX XXXX XXXX XXXX Balance : {$14000.00}

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 explanation
Consumer complaint received 2023-02-02 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I disputed information on my account because of my rights to maximum possible accuracy. I was never sent any information on how the reinvestigation was conducted or the results. it has been well over 30 days since my last dispute, i called them on XX/XX/2023 to get remedy and was hung up on the first time after 25min on the phone. then the second call i was told i was being transferred to the a manager but was left on hold for over 20 min. i then again called in and spoke to a supervisor by the name of XXXX XXXX wouldn't give me his last name ) and he stated his manager ID was XXXX. He was un willing to help me at all. basically told me there was nothing he could do that i would have to send in letters or fax the documentation in. this isn't even what i called for. i'm looking for the method of verification that was used to conduct the reinvestigation and the results. I also want to have the account removed since they are not reporting correctly. 

it is under closed installment accounts but the status is charge-off with a past due amount and the total value of the car in the balance section. please see attachments for accuracy discrepancies the account on file is XXXX XXXX XXXX acct : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There incorrect personal information my credit report.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There incorrect personal information my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I have minimum balance on XX/XX/XXXX and paid Shortage on that time.I Missing Money Base on Statements and project Escrow Account Activity from XX/XX/XXXX to XXXX XXXX Missing Money from my Escrow Balance

Company response to consumer: Closed with explanation