vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-13 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: OH

Complaint narrative:
I submitted my paperwork, and I have submitted now a second time. There are wrong addresses, names, accounts, etc. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX mail was stolen out of our mailbox. Within minutes Of it happening I called my bank fifth third to let them know that my mail was stolen and to flag my account for any suspicious activity. There was a check payment to XXXX XXXX  in there for {$88.00} and I gave the check number and around the time it happened. Later that evening I was checking my account on my mobile app only to see a check that was bleached out XXXX XXXX XXXX  check ) and made out to a person by the name of XXXX XXXX XXXX. Since it was after XXXX I couldnt reach my bank until the next day. I went in to file a fraud report ... ..which was done incorrectly and didnt even find that out until I called them to check on the case. So I had to go back to 5/3 and have another fraud report written up and so my case wasnt even looked at until XX/XX/XXXX. I have also filed reports with the XXXX police dept and the United States postal service and the comptroller of currency ... .all of which have failed me. They basically say that because the check was cashed by XXXX  its really out of their hands and that they have 180 days to put the money back into my account. My latest contact has been with XXXX XXXX from the comptroller of currency who basically said that there is nothing they can do. He is my contact now as that as what I was advised to do by him. I feel like my money was not protected by a bank that is supposed to be FDIC. I feel like my funds should have been reimbursed during this process for multiple reasons but mainly because I gave them all the information that they needed to know and they still didnt protect my money. Its a scary thought to know that I bank with a bank that doesnt protect me or my funds. I am running out of people to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My experian credit report has my birth year as XXXX when it is XXXX as well as am address at XXXX XXXX XXXX in XXXX XXXX florida that i have never lived and an address for XXXX XXXX  XXXX XXXX XXXX XXXX florida that is an error of my current address at XXXX XXXX  XXXX XXXX XXXX fl.

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 2021-02-13 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: MI

Complaint narrative:
XXXX XXXX XXXX - I DONT HAVE ANY STUDENT LOANS AND ALL THE ONES I HAD WAS PAID AND CLOSED

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 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I requested my credit be permanently unfrozen with Transunion and XXXX  on XX/XX/2021. XXXX XXXX XXXX XXXX  XXXX is attempting to process a mortgage pre-approval for me and they said my credit is still fully frozen one week later XX/XX/2021. I have attempted to contact XXXX  and Transunion by phone, by email, by social media XXXX XXXX, XXXX, XXXX XXXX and there is no option to speak with a person about what is going on and why my credit is still frozen. I don't know if the credit bureaus are wrong or if the bank is wrong, but I can't get any new credit because I can't even get ahold of the bureaus to ask them what my next steps are. I've gone through every automated option on their phone systems and tried emailing them and there is no option to speak with a human person. None of their automated options are what could help me. I don't know what else to do. Thanks.

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 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I requested my credit be permanently unfrozen with XXXX  and XXXX  on XX/XX/2021. Third Federal Savings and Loan is attempting to process a mortgage pre-approval for me and they said my credit is still fully frozen one week later XX/XX/2021. I have attempted to contact XXXX  and XXXX  by phone, by email, by social media XXXX XXXX, XXXX, XXXX XXXX and there is no option to speak with a person about what is going on and why my credit is still frozen. I don't know if the credit bureaus are wrong or if the bank is wrong, but I can't get any new credit because I can't even get ahold of the bureaus to ask them what my next steps are. I've gone through every automated option on their phone systems and tried emailing them and there is no option to speak with a human person. None of their automated options are what could help me. I don't know what else to do. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid 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: WA

Complaint narrative:
This complaint involves Chase 's handling of fraudulent credit card charges on a credit card I have with them. 

On XX/XX/XXXX at XXXX XXXX Chase alerted me by text that a payment to a local XXXX store of {$240.00} was declined and asked me to confirm if it was legitimate. As I was at home and asleep this charge was certainly fraudulent, and when I woke up at XXXX I confirmed that the charge was not legitimate by text and had my card shut down. I am the only person in my household and the card was still in my physical possession so I'm guessing my number was stolen from a swipe transaction I had made at a gas station late the previous week. 

A number of other charges at the same store and in the same time period ( the morning of XX/XX/XXXX ) also appeared on my card before I had shut it down and were not declined by Chase. These totaled {$480.00}. I called Chase on the XXXX and pointed out that these other charges from the same circumstances were fraudulent. The representative on the phone said I did not need to file a police report and they would handle the problem. 

Chase investigated and stated that these other transactions from the same store and time were made by me. Shortly afterwards on XX/XX/XXXX I sent an email to Chase 's fraud recovery team disputing this and asking for more information about the charges to aid in filing a complete police report. Though Chase called me to discuss this they provided little to no extra details about the circumstances of these charges. In a letter dated XX/XX/XXXX Chase stated that the charges were valid, again providing no details or reasoning on why these other charges were valid while the first was fraudulent. 
At this point it doesn't seem like I have much recourse to get my money back. I have had this account with Chase for years in good standing and never had a problem with credit card fraud, so to see this handling of the one time I have a problem is very concerning. I have spent a significant amount of time and effort trying to make this right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-13 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: OH

Complaint narrative:
I submitted my paperwork, and I have submitted now a second time. There are wrong addresses, names, accounts, etc. 

Thank you, 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 explanation
Consumer complaint received 2021-02-13 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: NM

Complaint narrative:
I disputed several accounts with inaccurate information directly to the bureaus but they haven't neither sent any answer nor repair or delete the accounts as i demanded while disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX  XXXX   on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I disputed several accounts with inaccurate information directly to the bureaus but they haven't neither sent any answer nor repair or delete the accounts as i demanded while disputing.

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 2021-02-13 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: PA

Complaint narrative:
I initiated disputes, on different occasions, in writing and online in order to have an item corrected on my credit file. I provided the credit reporting agency ( XXXX  ) with the necessary documents needed to dispute. 

The creditor is XXXX Account # XXXX. The credit reporting agency ( XXXX  ) has refused to properly investigate my dispute. Instead, they have notified me that the dispute has been updated with no corrected data or addition of previous incomplete information. 

The information XXXX  has provided in relation to this account is not complete or accurate. I have a right to have this information updated accurately and completely, or permanently removed. This remedy is afforded to me in the Fair Credit Reporting Act ( Sect 611 ) XXXX  has failed to properly investigate/reinvestigate my dispute as follows : 1. Failure to provide me with the information used to determine the result of their investigation. They have not provided any proof. ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 5. Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )

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 2021-02-13 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: DE

Complaint narrative:
on XX/XX/21 I mailed a dispute letter regarding inaccurate/unknown items on my consumer report. To this day I have not received a response. i feel my dispute has been ignored. Section 611 ( a ) plainly states that a fairly to investigate these items within 30 days gives a reason to immediately remove those items from my report. i demand these accounts be removed immediately or I will file for litigation due to the stress caused by inaccurate reporting. My info was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I can not obtain my credit report or score for equifax. I tried through my exqifax, annual credit report, XXXX XXXX and XXXX. all states that equifax isn't available

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error!

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 2021-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERFIRST MORTGAGE COMPANY
State: MN

Complaint narrative:
We refinanced our home mortgage through Interfirst Lending in XXXX of XXXX. On XX/XX/XXXX, Interfirst deposited our check in the amount of {$6000.00}. As the payment coupon indicated, this represented our mortgage installment of {$1000.00} for XXXX as well as an additional {$5000.00} principal payment. Interfirst applied the XXXX installment of {$1000.00} but pocketed the {$5000.00} principal payment. 

Eventually, Interfirst admitted their error and the {$5000.00} principal payment deposited on XX/XX/XXXX was credited as of XX/XX/XXXX. It was pointed out that we were fraudulently charged interest on this {$5000.00} for almost four months but Interfirst has refused to reimburse the interest charged. Interfirst sold our mortgage to XXXX  XXXX XXXX late last year and had directed us to seek this interest from XXXX  XXXX. Interfirst made a significant error in pocketing our {$5000.00} and they are the ones that profited from their error. XXXX  XXXX XXXX will not respond and had nothing to do with the error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-13 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: TX

Complaint narrative:
Good evening, I applied for a mortgage on XX/XX/2021. My TransUnion mid score with the credit company XXXX that the lender uses was registering at a XXXX. My objective was to achieve a 720+ score for a better interest rate. XX/XX/2021, I chose to pay down one of my XXXX XXXX credit cards to 28 % of the limit to earn points to increase my score. The " simulator '' the lender used stated I would achieve approx 18 points it was correct. I had earned a XXXX credit score on XX/XX/2021. The problem was TransUnion had reported this balance paid to 0 %. This was inaccurate despite the proof of current balance I had sent to XXXX to supply to TransUnion. TransUnion stated they called XXXX XXXX to verify through the automated system and that they heard " XXXX '' balance. It was impossible as I owed {$2200.00} to XXXX XXXX. This increase in the credit score took a turn when the next credit pull was performed on the XXXX as it now showed I had " resused '' this credit card showing a {$2200.00} new balance when this was false! At the same time I had just paid over $ XXXX to pay down two other cards to under 30 % and because of this Transunion error it didn't increase my score paying down the two other cards significantly! I need TransUnion to go back to XX/XX/2021 and correct this! I do not know how the algorithm works, but this has ruined me! I now have received a denial on my loan file as a result!

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 2021-02-13 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I Have filed a dispute in regards to incorrect items on my credit report it has been well over 30days and i haven't received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX CONGRESS COLLECTION is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX, and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. CONGRESS COLLECTION has also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. 

In addition, they have also stated that they are an attorney, making threats to arrest me, garnish my wages, bank accounts, and sue me. 
CONGRESS COLLECTION has also contacted family members and co-workers of mine more than once trying to collect this fraudulent debt. CONGRESS COLLECTION has discussed this account and my personal information regarding this debt, harassing others trying to get me to pay this debt. CONGRESS COLLECTION fails to respond to my verification letter by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: DE

Complaint narrative:
on XX/XX/21 I mailed a dispute letter regarding inaccurate/unknown items on my consumer report. To this day I have not received a response. i feel my dispute has been ignored. Section 611 ( a ) plainly states that a fairly to investigate these items within 30 days gives a reason to immediately remove those items from my report. i demand these accounts be removed immediately or I will file for litigation due to the stress caused by inaccurate reporting. My info was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation