vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to follow up on my previous dispute regarding the inaccurate information that is appearing on my credit report. It has been brought to my attention that XXXX has completed its investigation, but I am disappointed to learn that the inaccurate information remains on my credit report. 

As I mentioned in my previous correspondence, this collection is not related to any transaction that I made, and I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Additionally, I believe that the inclusion of this inaccurate information on my credit report is a violation of the following codes : [ 15 US C 1681 section 604 A Section 2 ], [ 15 USC 1681 Section 602 ], and [ 15 US code 5 1681b ].

Therefore, I am requesting that you take immediate action to remove the inaccurate information from my credit report, specifically the account related to the trade XXXX XXXX XXXX XXXX with the account number XXXX. Furthermore, I request that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, with the XXXX XXXX XXXX XXXX account completely removed from it. In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Please be advised that I am willing to take all necessary legal steps to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. I hope that it will not come to that, and that we can resolve this matter in a timely and efficient manner. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ] CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681b of the FCRA

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 2023-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to follow up on my previous dispute regarding the inaccurate information that is appearing on my credit report. It has been brought to my attention that Equifax has completed its investigation, but I am disappointed to learn that the inaccurate information remains on my credit report. 

As I mentioned in my previous correspondence, this collection is not related to any transaction that I made, and I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Additionally, I believe that the inclusion of this inaccurate information on my credit report is a violation of the following codes : [ 15 US C 1681 section 604 A Section 2 ], [ 15 USC 1681 Section 602 ], and [ 15 US code 5 1681b ]. 

Therefore, I am requesting that you take immediate action to remove the inaccurate information from my credit report, specifically the account related to the trade XXXX  - XXXX XXXX  with the account number XXXX. Furthermore, I request that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, with the XXXX XXXX XXXX XXXX  account completely removed from it. In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Please be advised that I am willing to take all necessary legal steps to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. I hope that it will not come to that, and that we can resolve this matter in a timely and efficient manner. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ] CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681b of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this report due to a critical concern regarding my FICO score. On XX/XX/XXXX my FICO score had an XXXX point drop from XXXX to XXXX. This drop occurred within a XXXX hour span, which was a shock to me. As a diligent consumer I checked my credit report and contacted Equifax regarding this drop but neither had any reasoning for the drop nor was there any negative reporting. Additionally, there was no activity that would cause such a drop. 

On XX/XX/XXXX, my credit score at the three credit agencies was above 844 with the score at Equifax specifically at XXXX since XX/XX/XXXX. On XX/XX/XXXX my score dropped XXXX points. There was no negative information on my credit report. No late payments, no delinquencies, no inquiries, no collections, nothing out of the ordinary. I called both Equifax and FICO. Customer service representatives at both organizations could not find out why the scores had dropped. They informed me that there was no evidence of delinquency, bankruptcy, foreclosures, or any of the factors that would consequently garner such a significant drop. 

My credit report says I have Few accounts paid on time and Accounts with balances. These statements are all inaccurate. I have a XXXX  % usage indicated on my credit report, with no late payments indicated. As I mentioned before, nothing had changed in the way I used my credit, and no negative information was reported. When I inquired to both the Equifax and XXXX customer service representatives regarding the negative remark, they were unfamiliar with this remark and could not find more information on why it was present in my report. The representatives were not able to find anything that warranted a score decrease on my report. 

I urge you to consider the seriousness of this matter. Over a XXXX span of building my immaculate credit, this significant drop can be catastrophic and can be a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lower score can affect my standing with any reputable financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Problem with personal statement of dispute
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
I purchased a XXXX XXXX used XXXX XXXX from a car lot in XXXX. I paid the car off. They never sent me the documents. Since then the original lender went out of business and now they sold my contract to a 3 rd party. 
O have been trying for several years to get XXXX and XXXX to help me get this inaccurate info off my credit report. 
First of all its been past the 7 years, and they are claiming I owe them {$3.00}, XXXX dollars. The car did not even cost that much, and Im still in possession of the car. They are lying about everything, and some how they are extending keeping it on my credit report. I dont know who the creditor is, and I have never spoken to them. I did try and call the original company a few years ago, but they are no longer in business. 
Also they are reporting that the date The account was opened was in XXXX, XXXX. And thats not true at all. Id like to see copy of my original contract and how they came up with the amount of XXXX dollars. 
No one is trying to help me. 
Some of the information on my report is not correct, such as past address, name, birthday, and employment.

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 2023-05-03 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: CA

Complaint narrative:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  XX/XX/2021

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} ; Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; XXXX XX/XX/2022.

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 2023-05-03 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: AR

Complaint narrative:
I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; Dept Of Ed/XXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} ; Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of Ed/XXXX XXXX Balance {$0.00} ; Dept Of Ed/XXXX XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I am utterly confused about this derogatory account on my credit report. I made sure my bill was paid in full before I moved out of my apartment in Texas in XX/XX/2022. This is an unjust doing. Due to the inaccurate information on my report I am asking for you guys to remove this account from my report. XXXX states the account was opened XX/XX/2022 and XXXX states it was XX/XX/2022. Also, XXXX shows no record of this account. Due to the Fair Credit Reporting Act which involves inaccurate information to be challenged I am doing so. It's my right. Also the records show conflicting information between the 3 credit bureaus. I am a military veteran trying to better life for me and family and this derogatory account is holding me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: AMERISAVE MORTGAGE CORPORATION
State: AR

Complaint narrative:
There is a report of a mortgage with amerisave when I never took out or applied for a mortgage.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to follow up on my recent dispute regarding the collection account that is appearing on my credit report, account number XXXX. I am disappointed that your investigation did not result in the removal of this inaccurate and damaging information from my credit file. 

As I previously stated in my dispute letter, I did not open this account or authorize anyone to use my personal information to do so. It is clear that my identity has been stolen and fraudulently used in this case. Your assertion that I entered into a loan agreement with XXXX XXXX XXXX XXXX XXXX is simply not true. 

Furthermore, the inaccurate reporting of this account has caused significant harm to my credit score and my ability to obtain credit, in violation of Section 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) Bulletin 2013-1. It is also in violation of 15 U.S. Code Section 1681b and Section 604 ( a ) ( 2 ) of the FCRA. 

I request that you immediately remove this fraudulent and inaccurate information from my credit report, as required by law. I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, in accordance with the FCRA and CFPB guidelines. I expect your prompt response within 30 days of receipt of this letter. 

Please be advised that your failure to comply with the FCRA and CFPB guidelines will result in further legal action against your company, including but not limited to the pursuit of all available remedies under the law. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
XX/XX/2023 I made two payments to RoundPoint Mortgage Servicing because Auto Pay was grayed out and the online billing statement gave incorrect date so I sent a second payment in to make sure my mortgage payment was not late. 

XXXX has not applied the 2nd payment in the amount of {$640.00} to the principal balance but instead lists it as " Suspense Balance '' with a gray bubble note " The amount of unapplied payments that the system places in suspense pending research to determine what portion goes to principal, interest, late charge, escrow, insurance, or other payment elements. '' None of the gray bubble notations apply to my mortgage payment. 
I can not get a hold of anyone by phone, email, or text at RoundPoint ; nor do they respond to XXXX, XXXX, etc. 
I DEMAND, REQUIRE IMMEDIATE ACTION THE 2ND PAYMENT MADE IN XX/XX/2023 BE APPLIED IMMEDIATELY TO THE XX/XX/2023 PRINCIPAL BALANCE. IMMEDIATELY ADJUSTEMENTS BE MADE TO MY MORTGAGE BALANCE AND ACCOUNT.

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 2023-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
( 1 ) I have been a long time customer of Chase and have both a checking and savings account. 
( 2 ) In XXXX I received an email from Chase offering me a {$2000.00} bonus if I opened a brokerage account and deposited {$250000.00}. 
( 3 ) I moved funds from my XXXX account in order to receive the bonus. 
( 4 ) I went into my Chase branch in order to sign up for the bonus and the representative insisted that I open a second checking account in addition to opening the brokerage account. I did not want to open the second checking account since my original checking account is not only linked to one of my employers for direct deposit, but also tied to several external investment accounts so it is not something I can readily change. 
( 5 ) The representative assured me the opening of the second checking account was just a formality.

( 6 ) I was eligible to receive the bonus after 40 days and on XX/XX/2023, I received an email from Chase stating me that I had satisfied the requirements for the bonus and that the money would be deposited into my checking account. 
( 7 ) The {$2000.00} bonus never showed up in my account. 
( 8 ) Chase claims that they deposited the {$2000.00} into the second checking account, however, Chase had closed the second checking account on XX/XX/2023, without any notice to me. 
( 9 ) Chases position is that it deposited the bonus into a closed account.

( 10 ) Chase can not provide any explanation as to why it did not simply deposit the bonus into my long standing active checking account.

( 11 ) It has now been over 2 weeks and still no resolution from Chase.

( 12 ) This appears to be a classic bait & switch scheme.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am a online seller, and paypal is XXXX payment method I am now using. My shop works well and is growing ok. XXXX months ago ( around the end of XX/XX/2022 ), PayPal did a lot of XXXX reviewing to my merchant, and hold all my money. After all reviewing they set my account a fixed XXXX $ amount on hold and they name it fixed reserve money, also they set a 15 % on-hold of my revenue in XXXX days. This just simply happened, I did not even agreed on it, and the customer service told me its a regular thing that many user will face, also they told me, this money can be released after XXXX days, also the 15 % can be adjusted after XXXX days. So I agreed on it and keep working on my shop, then here the XXXX days passed, I contacted the customer service tell them I need the money to be released, today they told me they refuse to release my money, all my money on hold will remain the same and I can resubmit the request after the next XXXX  days!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Unaware of debt, never contacted, never validated or verified, account written off and sold and I do not have a contract with collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: KY

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

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