vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: CA

Complaint narrative:
I already requested my XXXX XXXX credit card be closed in good standing. They sent me an email which is confirmation about that request, but I did not see any update on my credit profile from all three bureaus. 
The account should be reported as closed in good standing ( never late ) : XXXX  XXXX XXXX  - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX NV  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I already requested my XXXX  XXXX credit card be closed in good standing. They sent me an email which is confirmation about that request, but I did not see any update on my credit profile from all three bureaus. 
The account should be reported as closed in good standing ( never late ) : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX NV  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 2023-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank double charged my XXXX transfer made in XX/XX/23, resulting in {$1900.00} taken from my account without authorization. My account has been overdrawn by almost {$900.00} dollars for more than XXXX hours now. Chase Bank has not returned my funds, and can not or will not give me a time frame for when they will be returned. I can not get groceries, pay other bills, or do any sort of financial transaction at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX - {$9500.00} - XXXX XXXX XXXXXXXX - {$1500.00} - XXXX, XXXX XXXX XXXX XXXX {$10000.00} - XXXX  UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-02 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: PLANET HOME LENDING, LLC
State: MT

Complaint narrative:
In XXXX of XXXX during XXXX I filed an application with Planet Home Lending LLC to put my loan in forbearance due to loss wages and time off work due to XXXX. I submitted the application to Planet Home Lending XXXX, they stated my loan payments that I would miss would be added to the back of my loan when the forbearance was over. In XX/XX/XXXX I sold my home. The loan was paid off in FULL. 
In XX/XX/XXXX I applied for another FHA loan and was denied as my credit report showed Planet Home Lending reporting my mortgage 120 days late. I contacted PHL immediately and stated I was in a forbearance program with XXXX XXXX when I owned the home, the representative stated they didn't process my application until XX/XX/XXXX there for I was considered late. I argued my point that I submitted the application in XXXX but got nowhere with PHL. I gave up on getting a mortgage in XX/XX/XXXX as PHL would not remove the XXXX late on my report. I was advised by a lender to wait and apply after the XXXX late was over 12 months old to avoid the stress of fighting with PHL. 
XX/XX/XXXX i applied with rocket mortgage for a FHA loan to purchase a new home. I was told that Planet Home Lending last reported me being late on my credit report on XX/XX/XXXX. I sold my home XX/XX/XXXX!!! I called Planet Home Lending XX/XX/XXXX and they cant even find my old mortgage in their system to even discuss the issue with me. I was advised to send by mail a complaint to them. I was told there is no phone number to talk to anyone about this issue that it had to be done by mail. 
I am now in jeopardy again of not qualifying for a mortgage because of this lender. This is a HUGE mistake on my credit report that is affecting my credit score and my eligibility for another FHA mortgage. I need your help in getting this resolved. Even if they wont remove the 120 day late, ( still not my fault as I was told I was in forbearance ) they should at least be required at a minimum to report it correctly on my report. It SHOULD NOT say XX/XX/XXXX as I sold my home in XX/XX/XXXX and the escrow company paid my mortgage off in XX/XX/XXXX. 
PLEASE HELP! 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app card I opened up a minor child account with my cash app account I requested a money refund on behalf of my child 's cash app card for XXXX items not received from seller through website XXXX  cash app made a couple of cases to investigate they requested my evidence I gave them information requested then they denied it but I called and requested for case to reopen they did. nothing was happening so I asked XXXX for return of money they did refund and seller also refund but kept {$15.00} this took XXXX  months then cash app closed my child 's cash app card I called asked why we didn't do anything wrong but made a case for against seller taking my son 's money and not sending items cash app didn't give a reason said to go online cash app got upset because I kept calling them about refund request cash app customer service is out of the United States so they don't care about United States citizens they can care less if fraudulent activity happens if cash app can't handle these types of problems why are these types of apps allowed to exist in the United States keep customer service here in the United States to help its own citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX - {$9500.00} - XXXXXXXX XXXX XXXXXXXX - {$1500.00} - XXXX, XXXX XXXX XXXX XXXX {$10000.00} - XXXX  UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX - {$9500.00} - XXXX XXXX XXXX - {$1500.00} - XXXX, XXXX XXXX XXXX XXXX {$10000.00} - XXXX  UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: FL

Complaint narrative:
I recently noticed inaccuracies on my credit reports and also noticed these accounts were also unauthorized due to my info being shared in the XXXX, Transunion, and XXXX Data Breach. These same bureaus verified these accounts without making sure they were accurate. I asked for steps of verification and they failed to send me any updates. These inaccurate accounts are greatly ruining my reputation and I need them 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 2023-06-03 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: MI

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX, MI XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXXBalance : {$3900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Bankruptcy : Discharged Date Filed/Reported : XXXX # : XXXX ; XXXX  XXXX XXXX Balance : {$800.00} ; XXXX  XXXX XXXX : {$430.00} ; XXXX  XXXX XXXX Balance : {$190.00} ; XXXX  XXXX XXXX : {$910.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX : {$160.00} ; XXXX  XXXX XXXX Balance : {$140.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
In XXXX of XXXX during XXXX I filed an application with Planet Home XXXX XXXX to put my loan in forbearance due to loss wages and time off work due to XXXX. I submitted the application to XXXX XXXX XXXX XXXX, they stated my loan payments that I would miss would be added to the back of my loan when the forbearance was over. In XX/XX/XXXX I sold my home. The loan was paid off in XXXX. 
In XX/XX/XXXX I applied for another FHA loan and was denied as my credit report showed XXXX XXXX XXXX reporting my mortgage 120 days late. I contacted XXXX immediately and stated I was in a forbearance program with XXXX XXXX when I owned the home, the representative stated they didn't process my application until XX/XX/XXXX there for I was considered late. I argued my point that I submitted the application in XXXX but got nowhere with XXXX. I gave up on getting a mortgage in XX/XX/XXXX as XXXX would not remove the XXXX late on my report. I was advised by a lender to wait and apply after the XXXX late was over 12 months old to avoid the stress of fighting with XXXX. 
XX/XX/XXXX i applied with rocket mortgage for a FHA loan to purchase a new home. I was told that XXXX XXXX XXXX last reported me being late on my credit report on XX/XX/XXXX. I sold my home XX/XX/XXXX!!! I called XXXX XXXX XXXX XX/XX/XXXX and they cant even find my old mortgage in their system to even discuss the issue with me. I was advised to send by mail a complaint to them. I was told there is no phone number to talk to anyone about this issue that it had to be done by mail. 
I am now in jeopardy again of not qualifying for a mortgage because of this lender. This is a HUGE mistake on my credit report that is affecting my credit score and my eligibility for another FHA mortgage. I need your help in getting this resolved. Even if they wont remove the 120 day late, ( still not my fault as I was told I was in forbearance ) they should at least be required at a minimum to report it correctly on my report. It SHOULD NOT say XX/XX/XXXX as I sold my home in XX/XX/XXXX and the escrow company paid my mortgage off in XX/XX/XXXX. 
PLEASE HELP! 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX 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 non-monetary relief
Consumer complaint received 2023-06-03 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: Williams, Rush & Associates, LLC
State: GA

Complaint narrative:
I requested that account be removed remove off of my file Iv requested validation of debt contract signature anything proving the debt is mine. and have not received anything in 120 days I have filed conplaint with FTC. By consumer law codes 15 US 1692. By law account has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I was living in XXXX, Colorado from XX/XX/XXXX to XX/XX/XXXX. Sometime after moving there I had my car broken into and my passport stolen. Sometime after that my identity was used to open several account for various things. I was sent multiple bills for around {$1000.00} to {$4000.00} that I have had to dispute and a new one I am currently disputing right now. I have also been a victim of a car loan from a company called Santander XXXX. After disputing the smaller charges with phone companies, I was left with the Car Loan of {$14000.00} half of which was paid for. Thus, leaving {$7500.00} worth of debt unpaid. This was already on my collections by the timeI realized this and it tanked my credit score. I couldnt get approved on an apartment in XXXX I wanted and realized I should move back to texas. I literally had to move back home because of this identity theft. I then contacted the company thinking everything would go smoothly but that was far from the case. Around XX/XX/XXXX I contacted Santander regarding the identity theft and they told me to print out and sign a fraud packet. I submitted the fraud packet by mail like they had asked with all the correct info only to be told a later they do not receive physical mail anymore due to covid. I was very frustrated as these were the directions on the packet. They then told me to email the documents. After emailing the documents I waited a month for being told that they were unable to approve the fraud packet. I called the company and they told me the issue was that the file type was not correct. After that I was extremely furious as they could have mentioned this sooner. I made sure the file type was correct, I sent the documentation to multiple of the emails they provided and made sure they received everything. Another month after that I received an additional letter denying their " approval '' of my fraud claim. I have {$7500.00} worth of debt on my collections that isnt mine and is destroying my credit. I would like to one day buy a car and a home and this is causing me immense stress and anxiety. I had to relocate because of this. I don't know what else to do because this company is not making it easy when all the phone companies approved my fraud claim instantly. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good afternoon, Complaint # XXXX summary : In XXXX, I created my company XXXX XXXX and I needed to open a Business account. So I chose Chase because they had an offer when you did a deposit of XXXX XXXX you did not have to pay monthly fees for new Business account. Beginning of XXXX, I have started receiving monthly fees to pay with no notification from XXXX that they changed their rules of having now a minimum of XXXX $ of deposit. So I had an appointment in XX/XX/XXXX to explain the situation with my contact at XXXX XXXX Chase branch ( with XXXX XXXX ). She supposed to reimburse the current fees and I had a check of XXXX $ to have a total of XXXX $ as a start. But the next month I have been continuing having fees of XXXX $ per month. I have let several voicemails and emails to XXXX XXXX to understand why I was having ( and still have ) this situation. XX/XX/XXXX I called the Chase Service Center after talking to 3 different agents, the only answers were : ''Try another branch '', ''Try to have another appointment with the same contact '' or ''we can not help you online ''. My Business account statement from XX/XX/XXXX ( attached ) shows exactly that what I did was supposed to be done but they did not stop de monthly fees. I have no other solution to complete this complain because I do know how to fix this situation which is originally a Chase ' mistake. 

Today XX/XX/XXXX : I receive an email about the bank account statement availability of XX/XX/XXXX : Once again, with the same error, they started charging me the XXXX $ fee even if my bank account was at XXXX $ in XX/XX/XXXX ( statement attached to this new complaint, with the other documents I attached on my first complaint ). 

So I would like to have your help again please to fix the same error. 

Regards XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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