vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 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: GA

Complaint narrative:
Upon looking over my credit profile with all 3 major credit bureaus I noticed I had some inaccurate accounts on my credit report. I immediately disputed these accounts on all 3 major bureaus sites, to no avail. I sent dispute letters on XXXX and did not receive a response from neither bureau. I also sent a certified demand to comply letter on XXXX and have yet to receive a response. 

The credit bureaus had 30 days to confirm or delate these items off of my credit report and they failed to do so, even after the demand to comply letter. Im asking that all 12 accounts be removed from my 3 credit reports immediately. 

The inaccurate information/accounts are : 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 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 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 Thanks for your time in this matter. Accordingly I await your response.

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 2022-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Debt is a result of identity theft XXXX XXXX XXXX Account # XXXX Opened XX/XX/2021 Balance XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Debt not mine I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair credit reporting act XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-20 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: TX

Complaint narrative:
I have submitted two letters to the 3 major credit bureaus asking them to remove incorrect information off my credit report. I still have not had any responses. 

Here is a copy of the letters I have sent out on XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX Date of XXXX SS # : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The status is incorrect for the following account XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 2022-04-20 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: TX

Complaint narrative:
I have submitted two letters to the 3 major credit bureaus asking them to remove incorrect information off my credit report. I still have not had any responses. 

Here is a copy of the letters I have sent out on XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX Date of XXXX SS # : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 explanation
Consumer complaint received 2022-04-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went online to get a copy of my credit report and credit score. I was told to call XXXX and give them a reference code of XXXX. Once I had a representative online, they text me a link in which they wanted me to upload my Texas ID front and back and take a picture to verify my identity. I complied. Then she said that the address they had on file was not my address XXXX XXXX  XXXX XXXX  XXXX XXXX Texas XXXX she said she needed me to fax her my 1099, Texas ID, Social Security number, along with a reference stating that this information was to prove my identity and update address. 
Please see attached Confirmation to the fax number given to me by equifax information services. ( XXXX ). I faxed the requested documentation of my Texas ID, My XXXX ( proving my current ) address as well as my social security card.I called back today to check the status of the information I sent and was told by a " supposed '' Office of Consumer Affairs Supervisor ( XXXX XXXX ID XXXX ) that they have not received my information and that my information might have been dis-guarded because it was not the correct information. I explained to her that this was the EXACT information that was requested from me and she said well you need to mail it because we don't have it. When I inquired where my PERSONAL PRIVATE information was that I sent to a " supposed '' secure fax number that was given to me by her equifax representative, She said she did not know. I asked to speak to someone high than her that could assist me with finding out where my PERSONAL PRIVATE information went, as it was supposed to go to them, SHE WAS EXTREMELY RUDE AND UNPROFESSIONAL, she declined and said that she was the highest person that I could talk to. I asked for her supervisor and she said no, she was the highest person. I told her that it was against the law for her not to let me know where my information went and that she was violating my rights not attempting to assist me. She responded by saying that we were going in circles, that she is the only person that I could talk to, there was no one higher than her, then she proceeded to disconnect the call without assisting me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of XXXX, I was undergoing a home renovation, which required multiple trips to local hardware stores. I employed four local individuals to assist me with this project. The agreement was to pay them cash for their assistance in the home renovation. They accompanied me on these trips to XXXX XXXX, XXXX 's and other local stores. At the register, these individuals would accompany me as I made my purchases. Unbeknownst to me, they were watching me input my PIN number into the register keypad. 

I did not know but these individuals who I employed, were planning to rob me blind. They stole my card when I was not looking, and used my card at various stores such as XXXX XXXX, nail salons, XXXX, XXXX Hardware, and pulled out cash at ATMs. Over {$10000.00} was stolen from my Chase Checking and Savings accounts. 

When I discovered the theft, I immediately researched these transactions to ensure I was not the one who made the transactions. There were over XXXX transactions, and each one totaled over {$1000.00}. When I concluded I did not make these purchases, I filed a report with Chase and filed police reports. I filed these reports in XXXX of XXXX when I noticed the money missing. J.P. Morgan Chase has denied my claims three times, stating that I disclosed my PIN, which i had not. They have not reimbursed me for the over {$10000.00} in fraudulent and unauthorized transactions that these thieves made. They have also closed my account. 

I have gone to store managers, requesting copies of store footage so I can assist Chase in their investigation. I have spoken to numerous police officers and been on hold with Chase for over XXXX hours trying to get this resolved. My funds are supposed to be FDIC insured and for Chase to blatantly deny my claims and treat me as though I am a criminal is egregious and disappointing. i did not provide my PIN- they watched me and memorized my PIN.

I demand Chase reimburse me and take the time to complete a thorough investigation, For them to deny me is outrageous. I have done my due diligence and taken all necessary steps to assist Chase in their fiduciary due process. I have banked with Chase for over 27 years and for them to treat me like this, particularly the employees at the XXXX Ca branch, is unethical, immoral and criminal. 

Thank you for taking the time to ensure my report reaches the appropriate parties at XXXX XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TX

Complaint narrative:
Incorrect information See attachments for proof .Accounts not mine. XXXX XXXX potential negative Date opened XX/XX/XXXX balance {$290.00} status Collection/Chargeoff. 
XXXX XXXX XXXX potential negative date open XX/XX/XXXX balance {$150.00} status Collection/Chargeoff. 
XXXX XXXX XXXX potential negative date opened XX/XX/XXXX balance of {$150.00} status Collection/Chargeoff. 
XXXX XXXX XXXX potential negative Date opened XX/XX/XXXX balance of {$400.00} status Collection/Chargeoff. 
XXXX XXXX potential date opened XX/XX/XXXX balance of {$2400.00}. status Collection/Chargeoff. 
XXXX XXXX XXXX potential date opened XX/XX/XXXX balance of {$4600.00} status Collection/Chargeoff. 
address XXXX XXXX  XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX texas XXXX. 
Names 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 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I check my credit online last week and saw 5 debt collectors. I have not been anywhere or have I used any credit because of being laid off. I'm not sure where this came from. However I was arrested in XXXX in XXXX XXXXnd my license was taken away and I had to go to court! There was a man name XXXX XXXX. He impersonated me. This was not known until I went to court and the lawyer showed past arrest photos of " XXXX XXXX XXXX '' and it was all him. I found out he has my DL number, SSN, everything. 

Moving forward I do not even use credit cards and ONLY pay cash, so these accounts can not be mine. Whatever debt this is they need to view the picture of the ID to see if it is my face or that man XXXX XXXX. 

The account that I saw on my credit were : XXXX XXXX XXXX  Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX I attached my credit report showing the accounts that are not mine Even when I look on the credit report and look for information to contact the creditors both of these companies XXXX XXXX XXXX and XXXX XXXX XXXX information is not listed. These company did not send any mail to my address and I have been at the same address for over 30 years. I just don't understand why this happen. 

Please hold them accountable for not verifying whoever used my information to get credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently had a hard inquiry on my credit card without my consent at a dealership on XX/XX/XXXX. Not really a big issue, but I had tried to file a dispute for it and I think I ended up doing the wrong type of dispute. XXXX XXXXXXXX and Experian told me that I filed a dispute for identity fraud, so they deactivated my account today ( XX/XX/XXXX ). I did NOT want my account to get deactivated. So now Im trying to get my account back but they wont let me. I do not want to start a new credit card. Please help me get my account back.

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 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
- was in forbearance during XXXX -signed a deferral agreement in XXXX XXXX XXXX XXXXstarted making payments since XX/XX/2021 as per agreement signed -account is still not up to date and all payments have been made -every time I ask a representative on the phone about when the account will be up to date and restored online and all, they can never give a concrete answer and even when I speak to a manager, they keep saying the same thing over and over again that it is in processing and should be up and running soon, its been about 6 months. They are the worst mortgage company I have ever dealt with. I know others that were in forbearance and they were up to date a week after signing the deferral agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out and disputed inaccurate information that is reporting on my credit report with Experian for the last 6 months, a bankruptcy. 

I have reached out to Experian via telephone on multiple occasions to get this resolved with no success. 

Every representative at Experian, Experian website, and XXXX website says they receive Bankruptcy information from XXXX. 

I have received documents from XXXX regarding this bankruptcy that Experian has reported. This Bankruptcy is not reporting on my XXXX and it is not mine. 

I have received documents from the courthouse as well that say they do not report to any credit bureaus. 

On every occasion that I have reached out via the telephone with an Experian representative, they mentioned the information is coming from XXXX. I have also reached out to XXXX and they said this is not coming from them. 

I spoke with XXXX on XX/XX/2022, and she said I needed documents from the courthouse and XXXX. I have supplied these documents multiple times to Experian. XXXX said her supervisor, XXXX needed a document from the courthouse saying the Bankruptcy is not mine. I have provided that document as well. I also requested the documents they receive to verify the bankruptcy, Experian sent me a credit report and mention they don't send consumers documents they use to verify this information There is currently an active lawsuit in California against Experian XXXX XXXX due to the inconsistent information and violation of the FCRA laws. I will be reaching out to my XXXX officials regarding this matter if Experian does not remove this Bankruptcy from my credit report. 

I have attached all of the necessary documents Experian has been requesting to remove this and I attached XXXX website as well.

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 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I contacted Wells Fargo around XX/XX/2022 regarding a XXXX payment made where I did not receive the product/goods I paid for. I paid {$160.00} for XXXX XXXX tickets and did not receive the tickets. The person kept stalling and then asked for more money so I asked for the {$160.00} back. I have screenshots asking for money back. I was told that there was nothing WF could do. The complaint was referred to a special team and I was told I would be contacted in 10 days and I called them. They did not contact me, return any calls and all of a sudden I receive another letter stating the matter was closed. I requested the documents used to make the decision and was told I would receive in 30 days and to date I have not received anything. The case manager was XXXX XXXX, claim number XXXX, i was also given another claim number of XXXX on XX/XX/2022. I still have not spoken to XXXX, she never contacted me and did not return my call. XXXX, extension 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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX* DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1681 section 602 A : states i have the right to privacy.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) states : 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 2022-04-20 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
accounts by comenity bankXXXX XXXX XXXX account # XXXX home part account # XXXX is being reported by comenity bank as accounts that under a new contact, with old accounts back grounds.no court or attorney has contacted me of any such change, that would allowed comenity bank to change the accounts numbers, the back grounds remains of the accounts being federal law forgiven, the report of non allowed fees, interest, to those accounts, any thing comenity bank care to added to the accounts that's closed and federal law forgiven, is against the law.and the whole account should be removed off the credit reporting bureau 's XXXX and XXXX XXXX.now.documents ofthe credit reports , statements of old accounts, letters from comenity bank about the accounts, has been sent by ups with this ID complaint number on them.

Company response to consumer: Closed with non-monetary relief