vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: MO

Complaint narrative:
From XXXX XXXX Sofi froze my account because someone DEPOSITED money in their name in my account. They said it is Fraud when it comes from my Employer who wants me to do payroll. But it is Legal to DEPOSIT MONEY IN someone else 's name into your account. I have been constantly sending emails and voicemails to them. They have refused to ANSWER ME. After the phone call from the so CALLED security member. They have my tax money as well. Which I worked for last year. The money is mine and they lied saying that they were sending the money to me and closing the Account. I have Investments going on and they won't let me do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

2. Identity Theft CITIBANKNA Account Number : XXXX This is not mine.

3. Identity Theft CITIBANKNA Account Number : XXXX  This is not mine.

4. Identity Theft THD/CBNA Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX XXXX  Account Number : XXXX  This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: MA

Complaint narrative:
Please see the attached documents as it includes my complaint and identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion LLC deleted XXXX XXXX off my credit report on XX/XX/2021 per my request. They didn't pay me {$1000.00} as I demanded pursuant to 15 usc 1681n civil liability for willful noncompliance for having XXXX XXXX on my credit report in the first place without permissible purpose 15 usc 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: FL

Complaint narrative:
I am gravely concerned about the validity of the information that is being provided to me by XXXX XXXX, XXXX because they have been sued numerous times for unfair/illegal FCRA practices. 

Please see link : https : XXXX XXXX As such, I have contacted them along with XXXX XXXX  and Experian several times to request verification of the alleged debt that has now been listed on my credit report as a " charge-off account ''. However, after speaking with XXXX at extension XXXX, her supervisor XXXX XXXX and another supervisor named XXXX, I have been unsuccessful in my efforts to obtain any documentation ; they only demand payment on the account based on allege " time-sensitive '' offers that are available to settle the account. Their practices have been questioned in the court of law and therefore, I am concerned about their tactics to collect payment on an account they are unwilling to verify or provide any documentation on. If they are unable to verify and validate this debt, I demand for the account to be immediately deleted from credit report Furthermore, The XXXXXXXX XXXX account is fraudulent. The account has been disputed numerous time & I have requested the verification method that was provided to Experian by the data furnisher to validate the account. Each time the accounts comes back as allegedly " verified '' yet I never received the proof as requested. 

Please delete per FCRA consumer rights as this is a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account and failure to do so results in the account being deleted from the consumer files. Experian is in direct violation of consumer credit reporting practices and I will take the necessary legal action if necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Two year ago my Carnival XXXX XXXX Mastercard was closed by Barclays Bank. On my final payment I overpaid by {$440.00}. I was supposed to receive my overpayment mailed back to me ; They never mailed my overpayment back to me. 
Just recently, I started receiving phone calls and emails from Barclays Bank just for payment. After talking to people at Barclay Bank it turns out they changed my credit to a debt. As it stands now Barclay Bank even added additional late fees and other charges to the account. I'm in the process of refining my properties ; however, I not able to with such a low credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
When I was reviewing my credit report, I saw that the experian credit report had a derogatory status report from XXXX XXXX  XXXX  XXXX  {$1400.00}, i had servise but it was payed by my health insurance company. This is something else wich i am not recognized which was from XXXX XXXX i called creditors and i did dispute with Experian , that account not was mine, but i could not get result, wich was satisfactory for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: TN

Complaint narrative:
I asked my oldest son to take a look at my credit for me and upon him looking at the we saw several accounts on their that Is not mine and I dont know how this could happen but can someone help me. XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  and XXXX. Im trying to help my son and need someone to help me with this. Im doing this on my own and I reached out the accounts on there and they just been giving me the run around.

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 2021-07-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The company hasn't provided any info on these disputes. Accounts are not mines they are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company after company will just show up on my account inquiries, and I want to clean these accounts that I have no knowledge of creating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I sent a wire transfer of XXXX on XX/XX/XXXX to an escrow company to secure closing on a home. The correct information was added and the company came up when I put in the XXXX number. The account number however was a number off. I called chase and asked them why the wire transfer did not securely reach the other party. The said the account number was wrong and that I had to fill out an amendment which I did 4 times in a course of 3 days. I heard nothing back from Chase. On XX/XX/XXXX, I went into a physically branch and spoke to XXXX and she went through the system XXXX and spoke with a rep that gave me a reference number and they would escalate the issue. It's been a full week and I haven't heard anything back or received the XXXX back into my account. XXXX was nice enough to have them recall it but Chase has not updated me from the secure message on the app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-17 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The information reported to the credit monitoring company about my loan from XXXX XXXX XXXX XXXX is not accurate. LVNV funding LLC reported that I am owning {$24000.00} is very misleading. The account has been settled and the current creditor is Resurgent Capital services and the settled amount owed is now {$19000.00}. 
I have been paying my draft regarding this account every month as shown by the attached document. I have also started paying the amount owed XXXX as is shown by the attached document. 
In light of this, the derogatory information reported to the credit monitoring company regarding my credit history is false and misleading and I would appreciaite if this error is corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: LA

Complaint narrative:
I submitted information the credit reporting agencies to have information removed from my consumer reports based on federal consumer protection violations. I have sent numerous pieces of mail regarding the removal of those accounts and to no avail, there has been little response. I am asking that you please step in to ensure there is an active hand in reviewing the accounts, read the alleged violations and to confirm if they are indeed in violation based on the information that I had sent. 

I advised the consumer reporting agency that they were in violation of my consumer protection rights as well as provided them with a printout of that violation and why I believe they violated that US Code. 

The consumer reporting agency has violated 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave the credit reporting agency permission or written consent to report anything on my consumer reports. No consent, by federal law, constitutes identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: TN

Complaint narrative:
I asked my oldest son to take a look at my credit for me and upon him looking at the we saw several accounts on their that Is not mine and I dont know how this could happen but can someone help me. XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  and XXXX. Im trying to help my son and need someone to help me with this. Im doing this on my own and I reached out the accounts on there and they just been giving me the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: TN

Complaint narrative:
I asked my oldest son to take a look at my credit for me and upon him looking at the we saw several accounts on their that Is not mine and I dont know how this could happen but can someone help me. XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  and XXXX. Im trying to help my son and need someone to help me with this. Im doing this on my own and I reached out the accounts on there and they just been giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion LLC didn't delete XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  accounts as I requested. Pursuant to 15 usc 1681a ( d ) 2 Exclusions a ( 1 ) reporting containing information solely as to transactions or experiences between the consumer and the person making the report. These accounts shouldn't be on my credit report in the first place. They didn't have a permissible purpose from me pursuant to 15 usc 1681b ( 2 ) in which makes them civil liable pursuant to 15 usc 1681n. They didn't investigate my dispute because they didn't talk to my neighbors, friends or associates. Consumer reports can not contain factual information pursuant to 15 usc 1681a ( e ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am a natural person, consumer and Original Creditor. Actions that were taken me are below. My right to rescind was oppressed.

I have exercised my right to rescind within three years and the alleged obligation has not been fulfilled. I was met with a response from XXXX XXXX, Executive Resolution Advocate and member of Quicken Loans Senior Research Team. I sent certified mail with green return receipt. On the comparable recession form provided to me by Quicken Loans, XXXX XXXX, Director of Accounting & Political Programs at Quicken Loans is who I expected a response from per their request to address it to the Accounting Director.

I again am exercising my right to rescind from this consumer credit transaction, pursuant to 15 U.S. Code 1635 ( a ) ( b ) ( f ). Coupled with this cover letter is the, Notice of Right to Cancel form signed by me, the consumer. XXXX XXXX XXXX. In addition, I, XXXX XXXX am aware of 15 U.S. Code 1640 ( 2 ) ( A ) ( i ) and have identified that a finance charge, defined pursuant to 15 U.S. Code 1605 was assessed however, it did not include the sum of all charges ; Insurance ; ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. I, the consumer demand cure pursuant to 15 U.S. Code 1640 ( 2 ) ( A ) ( i ). Pursuant to 15 U.S. Code 1692e I the consumer was called a Borrower, that is false and misleading due to the fact that this is a consumer credit transaction.

Under 15 U.S. Code 1635 ( a ) ( b ) ( f ) - Right of rescission as to certain transactions ( a ) Disclosure of obligors right to rescind - Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.

Pursuant to 15 U.S. Code 1635 ( a ) ( b ) ( f ) I have the right to recession of any consumer credit transaction according to section ( 4 ) Applicability - This subsection shall apply to all consumer credit transactions in existence or consummated on or after XXXX XXXX XXXX. Secondly, section ( f ) Time limit for exercise of right - An obligors right of rescission shall expire three years after the date of consummation of the transaction or upon the sale of the property, whichever occurs first.

15 U.S. Code 1605 - See proof attached as Exhibit A 15 U.S. Code 1640 ( 2 ) ( A ) ( i ) ( i ) - See proof attached as Exhibit B 15 U.S. Code 1635 ( a ) ( b ) ( f ) - See proof attached as Exhibit C 15 U.S. Code 1692e - See proof attached as Exhibit C Fact, applicable law is federal law. See proof attached as Exhibit E

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since mid-XXXX I have had a few fraudulent transactions on my credit card I had with XXXX XXXX  XXXX, which I reported to them through their customer service in XX/XX/XXXX. However, they never started an investigation or provided me with credit for the fraudulent transaction. 

Due to their failure to properly investigate fraudulent transactions, I was advised by FTC to file an Identity theft report and forward a copy to XXXX XXXX. 

On XX/XX/XXXX I filed a fraud report on FTC Identitytheft.gov indicating a total of {$370.00} of fraudulent transactions prior to XX/XX/XXXX on my credit card issued by XXXX XXXX  XXXX, and I certified mailed a copy to them. 

Initially, on XX/XX/XXXX XXXX XXXX  notified me they have opened a fraud investigation, and then on XX/XX/XXXX closed the investigation indicating my credit card account was legitimately opened. This shows that once again they have completely failed to pay attention to the detail of the Identity Theft filing of " Fraudulent Transactions '' as opposed to " Fraudulent Account Opening ''. 

I have attached a copy of the Identitytheft.gov filling I originally mailed to XXXX XXXX, along with XXXX XXXX  responses, so perhaps a more responsible staff at XXXX XXXX  can review and take appropriate action. 

As it appears XXXX XXXX  XXXX, has no intention of complying with consumer FCRA rights and has deliberately ignored all efforts to properly investigate fraudulent activities. 

As I agreed previously I have paid for the charges I authorized on my credit card with XXXX XXXX  XXXX, and this account should be reported as paid satisfactorily as opposed to currently being reported as a negative item " Legally paid in full for less than the full balance ''.

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 2021-07-16 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: DISCOVER BANK
State: FL

Complaint narrative:
Please see attached FTC report and verification that my identity has been compromised on the XXXX XXXX XXXX it is also important to note that this is not the first time that I have received this alert from XXXX XXXX Moreover, The Discover Financial Services is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. As such XXXX  has repeatedly failed to both validate/verify this account and remove it from my credit profile. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account- otherwise it must be deleted IMMEDIATELY. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 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: FL

Complaint narrative:
Per, XXXX XXXX XXXXXXXX I am hereby demanding for action to be taken against this fraudulent account. Please see attached FTC report and verification that my identity has been compromised on the XXXX XXXX XXXX it is also important to note that this is not the first time that I have received this alert from XXXX XXXX Moreover, The XXXX XXXX XXXX is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. As such Transunion has repeatedly failed to both validate/verify this account and remove it from my credit profile. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account- otherwise it must be deleted 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 explanation