vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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: GA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7400.00}, ( Original Creditor : XXXX ) XXXX XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I had a Caesars Rewards Visa Credit Card and tried to take advantage of a transfer balance prom to off other credit cards. 
During XX/XX/22 I paid my balance to a negative XXXX so I could keep paying any interest on the amount I apply for. Between XXXX I applied for the amount of {$4600.00} and it went on my statement. The transfer did not work and was interest on XXXX XXXX  card and payments to a transfer that did not happen. I spoke with Caesars Rewards Visa and they said there was a problem with making the transfer to XXXXXXXX XXXX  I said cancel my card and the {$4600.00} was removed from my card which never received. 
In both XXXX & XXXX received statements that I owed {$4600.00} with late fees & interest. Each I called and fought through the people wanting a payment to a manager. 
Each time I was told they clear up the problem The last conversation was opening investigation case taking XXXX days. On XX/XX/XXXX I received a letter that Caesars Rewards Visa had found the duplication charges and was clear of all charges, interest, fees, and bad credit reports. I was so happy. 
Mid XXXX I received the same statement I owed money, I called and spoke to a manager. I was told to wait until XXXX and everything should be corrected. XXXX cam and the same problem, after 2 hours on the phone and calling the Caesars Rewards Visa phone number, NO XXXX had any knowledge of the letter. A letter that Caesars Rewards Visa had sent me. 
Again, believe it or not Caesars Rewards Visa opened another investigation case that again can take 30-90 days. 
I am at a point where I need a solution or a recommendation on a lawyer. 
I have all my XXXX XXXX statements and NO money was ever deposited into that account, also it resolved by Caesars Rewards Visa that they made an error. However, there customer service has no idea what they are doing. 
This is affecting my life and I need this fixed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MD

Complaint narrative:
Received a letter from a company called Hunter Warfield based in XXXXXXXX XXXX, sent to my address but under my XXXX name ( he does not live here ). 
It lists a Creditor Name of XXXX XXXX and a balance due of {$13000.00}. I have never done business with any entity named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I reached out to the credit agencies via FTC report and CFPB complaint. The credit agencies placed a fraud alert on my credit profile but failed to remove the fradulent inquiries as they said they would. I followed up with the agencies directly and was advised that it would be taken care of within 30-60 days but it wasn't. I would like these inquiries to be removed. 

Credit Inquiries INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX  XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX 's XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XX/XX/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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I reached out to the credit agencies via FTC report and CFPB complaint. The credit agencies placed a fraud alert on my credit profile but failed to remove the fradulent inquiries as they said they would. I followed up with the agencies directly and was advised that it would be taken care of within 30-60 days but it wasn't. I would like these inquiries to be removed. 

XXXX XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX XXXX XXXX by XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX DATE XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: IL

Complaint narrative:
I sent my letters haven't got a response I will like all errors to be removed

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 2022-08-30 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: IL

Complaint narrative:
I sent my letters haven't got a response I will like all errors to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}

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 2022-08-30 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: CA

Complaint narrative:
This is ridiculous! The Credit Bureaus still have not complied to my requests to remove the dispute fraudulent items completely from my Credit report despite all the letters and CFPB complaints I have been submitting to them! The Credit reporting Agencies are required to remove any account and information that resulted due to identity theft under the FCRA section 605b. But I see here that the Credit Bureaus do not seem to care about the said Federal Statute. The Credit Bureaus have willfully neglected their duty with the FCRA and chose to do nothing about the fraudulent items on my Credit Report. The Credit Bureaus continued reporting the disputed items without providing me copies of documents to serve as proof of verification, which is a violation under the FCRA and is punishable by law. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit Report, and if the Credit Bureaus do not comply with the request, please understand I will initiate legal countermeasures : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$850.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Owed : {$340.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-08-30 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:
This is ridiculous! The Credit Bureaus still have not complied to my requests to remove the dispute fraudulent items completely from my Credit report despite all the letters and CFPB complaints I have been submitting to them! The Credit reporting Agencies are required to remove any account and information that resulted due to identity theft under the FCRA section 605b. But I see here that the Credit Bureaus do not seem to care about the said Federal Statute. The Credit Bureaus have willfully neglected their duty with the FCRA and chose to do nothing about the fraudulent items on my Credit Report. The Credit Bureaus continued reporting the disputed items without providing me copies of documents to serve as proof of verification, which is a violation under the FCRA and is punishable by law. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit Report, and if the Credit Bureaus do not comply with the request, please understand I will initiate legal countermeasures : XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Owed : {$340.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc.
State: VA

Complaint narrative:
So Ive attempted to write letters and numerous disputes with this company - SCA COLLECTIONS- XXXX XXXX XXXX XXXX XXXX or around : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Although Ive had Medicaid and they specifically sent them the information that its been paid and that I had valid XXXX insurance through Cover VA Medicaid plans XXXX Ive been through over 3 hours of wait times and talking to people on the phone. Something has GOT TO GIVE!! Please help me. 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 2022-08-30 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: CA

Complaint narrative:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX. XXXX XXXX XX/XX/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. These Inquiries resulted from the theft of my identity therefore, these inquiries must be removed from my XXXX XXXX. Thank you and I am expecting an immediate action with regards to the continuous issue that I am raising.

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 2022-08-30 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. 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. All is being investigated by the FTC.

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 2022-08-30 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Acc # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 604A Section 2It also states a Consumer Reporting Agency can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-30 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: MO

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}

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 2022-08-30 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: MO

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: KEYCORP
State: CO

Complaint narrative:
I obtained a home equity loan from KeyBank that closed on XX/XX/2022. When I applied for the mortgage, I was given an interest rate of 5.02 %, but the loan officer offered me a 0.25 % discount if I opened a savings account and a checking account with KeyBank. I opened the accounts and the interest rate was lowered to 4.77 %, which was reflected on the closing disclosure and the final paperwork signed at closing. 

On XX/XX/2022, I went to KeyBank 's XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, CO XXXX ) and asked to close the savings and checking accounts since I did not need them. The KeyBank employee I met with, XXXX XXXX XXXX, told me that if I closed the accounts, the interest rate on my loan would increase to 5.02 %. I informed her that the 4.77 % interest rate was listed on the closing disclosures as one of the items that could not change after closing. I'd had my closing appointment with XXXX XXXX the previous month so it seemed impossible that she could not know that the interest rate couldn't be increased. 

She told me that the loan hadn't had its final review yet and that KeyBank could still change the interest rate if they saw that the accounts were closed when this review was done. 

I reiterated that the interest rate could not be changed after closing according to federal law and said that she was threatening me with an illegal action against my home equity loan for attempting to close the savings and checking accounts. The person XXXX XXXX identified as the branch manager or acting branch manager witnessed this and did not intervene when an employee was openly claiming KeyBank was going to violate federal law by increasing my interest rate after closing. 

I left without closing the savings and checking accounts. I eventually closed the accounts and the loan 's interest rate was not increased. I attempted to escalate this issue within KeyBank but never managed to speak to anyone who took the matter seriously or provided the impression this would not happen to other KeyBank mortgage customers.

Company response to consumer: Closed with explanation