vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As I have been experiencing financial identity theft I have submitted over XXXX pages on different occassion to Experian credit bureau to get my credit restored. The last documents that I have submitted was on XX/XX/2023, including XXXX Police Department incident report number : XXXX in regards of financial/identity theft report, FTC identity theft report in regards of identity theft, emails in regards of XXXX XXXX XXXX filing bankruptcy where XXXX XXXX is listed under my address, United States Bankruptcy Court Central District of California XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX. As I had submitted all documents for several months in order for it to be removed I constantly get hunged up on from the dispute department to the fraud department. I leave my number for a manger to call back and yet the person does not call back by the name XXXX and hangs up. Last conversation took place was early XXXX where an XXXX stated to me that they recieved my documents and that it will be taken care of and blocked. I called today XX/XX/2023, and was hunged up 3 times and last week XX/XX/2023, 3 times as well and was told that an Manager will call me back but no one did. I just want my credit to be restored to what it was and Experian has been non corporative and has shown very bad customer service and not doing there job to remove it off. Credit Bureaus must honor your request to remove fraudulent information from your credit report especially if you provided ALL documents. This is called blocking. Once information is provide it is to be blocked, companies can't report the debt or try to collect it from you. As a consumer I sent this to them as well and asked them to let all credit bureaus know that I want it to be blocked. This is very mentally draining as I have been dealing with this for years and now that I have shown them proff they will not delete.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a XXXX account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation.

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 2023-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
There is a debt from this company Rentdebt and it is NOT mine, I have tried disputing it, requesting validation and nothing. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, they have 5 inaccurate late payments reported, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I received a letter from my mortgage lender ( National Mortgage LLC Mr Cooper ) asking me to shop for another home insurance compony until XX/XX/2023 ( when my policy expires ) due to its " low rating. '' I called them the next day without resolution. 
The letter reads " National Mortgage LLC routinely verifies the financial size and rating of insurance companies. Our resources book, the nationally published XXXX XXXX XXXX XXXX XXXX indicates the strength of insurance companies. A company B or better provides the coverage and protection our investors require. Your policy does not meet our acceptable coverage standards. Please contact your agent and provide us with new policy to avoid placement of temporary coverage on your property. '' I am a humble homeowner for XXXX plus years and have been with a number of mortgage lenders before and this was the first time I have heard of this. I am with same home insurance company for years ( XXXX XXXX with my auto insurance to get discount ) and never lapsed on payments. I live in California and some homeowners here are being dropped by other big insurance companies as we speak due to California being a fire hazard. Hoping for resolution on your behalf. Know that your help will be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Charges made to my Wells Fargo credit card out of state where I live.

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 2023-09-11 00:00:00
Product: Credit reporting 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: NJ

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

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 if 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I called a Chime Bank to update my phone number to my account. I was scammed and bamboozled by the Representative, the person stole over {$800.00} from my Cheaking and Savings accounts. I did not authorize this transactions and now Chime Bank is refusing to send my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2022 Balance : {$8000.00} XXXX ACCOUNT XXXX XXXXXXXX Date Opened : XX/XX/2022 Balance : {$2100.00} These above accounts were opened fraudulently I submitted a complaint with the FTC I'm attaching any documents to support my claim, and I'm asking these above items be DELETED from my credit file, Thanks, 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 2023-09-11 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Failure to provide documentation : Requesting Verification of Information and Evidence of Permissible Purpose Pursuant to 15 USC 1681b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I was charged XXXX in atm fees in XXXX and XXXX. I called the company and they refused to do anything. I am on social security and can't afford all these fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I disputed an {$86.00} charge XXXX forwarded to CSC. I asked them for proof of debt/breakdown of how I owed them any funds on XXXX XXXX, as I cancelled the insurance with XXXX in the allotted 30 days ( XX/XX/XXXX - Cancelled, Policy was taken out on XX/XX/XXXX - effective date XX/XX/XXXX ) and XXXX had already debited by account and later refunded my account for a portion of the insurance. I did not and still has not received a breakdown of the debt/how do I owe XXXX any money. I disputed the charges and asked for a breakdown of the debt on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was told by a CSC representative that XXXX responded on XX/XX/XXXX. CSC reported me to the Credit Bureau on XX/XX/XXXX, without providing me a breakdown or any response from XXXX. Again, they reported me to the Credit Bureau one day after XXXX responded and without ever providing me with any information from from XXXX or any information regarding XXXX 's response. I don't believe they have the right to report me to the credit bureau, if this information is in dispute and still today, I have yet to receive the information from CSC or XXXX which supports the debt. When I try to speak to XXXX they state that the debt was transferred to CSC. When I speak to CSC they tell me XXXX states the debt is legitimate. In the meantime, I have yet to receive the information I have been requesting since XX/XX/XXXX and they proceeded to report the collections to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I was called by a collection agency! 
Identity theft occurred... someone took out a personal loan using my information. 
Lender is NCA/Cashcentral.com for {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX {$1900.00} Open Open, completed In progress In progress, in progress Closed Closed, upcoming Dispute status Under merchant review We allow merchants 15 days to issue a credit after receiving a return. If they haven't credited you by then, we'll contact them regarding your dispute. 

Don't worry about payment in the meantimewe 've placed a hold on this transaction while your dispute remains open. 

Upload documents Transaction date XX/XX/2023 Dispute opened XX/XX/2023 Reason I canceled this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
A payment was made using XXXX XXXX XXXX  electronic payment system to your institution on XX/XX/2023 for the entire amount outstanding. Marcus by Goldman Sachs failed to apply the credit at all. Additionally, they have charges fees & interest. They need to immediately credit the payment, remove all interest & Fees, report to all credit bureaus that my payments have all been made on time with a XXXX balance. 

This is the 2nd time they have misapplied a payment to my account. I was assured a year ago this problem would be resolved and never happen again. Obviously, Marcus by Goldman Sachs failed. I believe compensation is required at this time for these repeat offenses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I have attempted multiples times with your company to get XXXX XXXX debt removed from credit report. Debt is not validated, verified, or authorized by myself as the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting 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: FL

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

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 if 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