vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 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:
On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: MS

Complaint narrative:
I've contacted the credit bureaus XXXX Transunion XXXX XXXX ) as well as the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and they are still reporting these inaccurate accounts on my credit report under the name XXXX XXXX XXXX. This is NOT my name and these companies continue to illegally re-age these accounts on my credit report. They also close the account and turn around and reopen the account. They also decrease the balance on the account by {$1.00} then turn around and increase the balance on the account by {$1.00}. The is against the law. 

According to the FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. 

XXXX XXXX XXXX services are repeatedly re-aging these accounts on my credit report. They are intentionally disregarding the FCRA 623 ( a ) ( 5 ) ( A ) law.

Also, according to 15 U.S.C 1681 law there should not be any damages on my credit report. This is defamation of character. Due to this, I am requesting {$1000.00} per month XXXX XXXX XXXX has damaged my credit profile with this inaccurate information. This has been reporting inaccurately on my credit report since XX/XX/2021. I am willing to settle this for {$15000.00}. I expect this to be resolved in 10 days of this complaint.

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 2023-03-27 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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

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 2023-03-27 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: KEYCORP
State: AK

Complaint narrative:
We were sent to collections for a bank fee with Key Bank that we feel is unwarranted and inaccurate. Since filing a complaint with them, they have waived the fee and interest associated with this issue, but have not removed it from our credit report. 
All our information is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}

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 2023-03-27 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. XXXXXXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}

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 explanation
Consumer complaint received 2023-03-27 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: SC

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I never agreed to open a savings account and magically I had one.

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 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2023 received a letter dated XX/XX/2023 from Chase Bank with the following : We have decided to close your accounts. 
I have called Chase three separate times at the following number XXXX and spoke with Chase representatives about the letter seeking an explanation. None was given. The first call 's representative referred me to language in the agreement when opening the accounts which states that Chase reserves the right to close accounts without reason. 
I believe this is discriminatory actions based on race, religion and/or political views. 
My wife is the primary owner of the accounts being closed and she hasn't received a notification of the closures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I was not notified or verified in accordance with debt via Capitol One. I have no signed anything allowing debt being sold or moved. XXXX XXXXXXXX XXXXXXXX say I owe {$810.00}. I do not know where this number came from. The earliest email I have found says XX/XX/ from a completely different creditor XXXX XXXX XXXX stating the exact same balance. In accordance with the fair credit reporting act ; XXXX XXXX XXXX and Capitol One Bank has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions. I want the debt to be cleared from my name and not affect my credit score. This has weighed down my credit for far too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: NY

Complaint narrative:
The payment history on my credit file reported by US Department OF EDXXXX is unlawful I was not required to make any payments on my XXXXXXXX loans during the pandemic. The months that is reported negative was during the pandemic and I was not required to make any payments according to covid 19 guidelines therefore the payment history is inaccurate. Secondly The inquiries on my credit file need to be investigated and I request the written permission that allegedly was given by me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have not given these companies permissible purpose to view my credit file. XXXX XXXX XXXX XXXX is reporting fraudulent information on my credit file I have no binding contract with them therefore I have no obligation to pay them also reporting the fraudulent account with extortionate intent is unlawful.

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 2023-03-27 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: NY

Complaint narrative:
The payment history on my credit file reported by US Department OF EDXXXX is unlawful I was not required to make any payments on my student loans during the pandemic. The months that is reported negative was during the pandemic and I was not required to make any payments according to covid 19 guidelines therefore the payment history is inaccurate. Secondly The inquiries on my credit file need to be investigated and I request the written permission that allegedly was given by me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have not given these companies permissible purpose to view my credit file. XXXX XXXX XXXX XXXX is reporting fraudulent information on my credit file I have no binding contract with them therefore I have no obligation to pay them also reporting the fraudulent account with extortionate intent is unlawful.

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 2023-03-27 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: FL

Complaint narrative:
I completed a identity theft report with the FTC and XXXX, XXXX, and Transunion are still reporting the alleged account. Below is the law all ( 3 ) credit reporting agencies are in violation.

15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency

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 2023-03-27 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: FL

Complaint narrative:
I completed a identity theft report with the FTC and XXXX, Experian, and XXXX are still reporting the alleged account. Below is the law all ( 3 ) credit reporting agencies are in violation.

15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency

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 2023-03-27 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: FL

Complaint narrative:
I wrote Transunion on XX/XX/2022 via U.S.P.S certified mail and they failed to address the issues addressed in the letter. I have attached the letter to this complaint along with my ID verification to prove my Identity. Please investigate to hold Transunion accountable for their reporting negliance.

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 2023-03-27 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I bought some brake pads from XXXX XXXX using my Amex. They sent me the wrong thing for my car. When I tried to return them they said I would have to pay the shipping to return. I disputed the purchase on the Amex card. When I did this, they removed the charge of {$36.00}. Then they denied the dispute and added the amount back to the card. I disputed it again. Amex took {$36.00} off again. They denied the dispute again and this time they put {$72.00} on the card -- doubling the charge incorrectly. I called them and tried to tell them that they had made a mistake. One guy I spoke to did not know what to do and hung up on me. I called back again and still got nowhere. They refuse to understand that they incorrectly doubled the charge. I mean {$36.00} - {$36.00} = {$0.00} + {$36.00} - {$36.00} = {$0.00} + XXXX - {$36.00}. Since I could not get them to understand, I just paid the {$36.00} on XX/XX/2023 hoping they would straighten out their terrible math. I had paid the balance in full the month before, so the only amount that should have been charged was the {$36.00}. My balance should have been {$0.00}. Instead, they added a {$29.00} late charge saying I did not pay in the month of XXXX. They have not only assisted XXXX XXXX in committing fraud, now Amex is making up charges on my account. I have had this card for 30 years and I have NEVER paid late. I no longer am doing business with Amex and yet, they keep making up charges on my account. For instance, they were trying to charge me for orders that I cancelled and they knew I cancelled, but they did not take the charges off. Please make them straighten out the doubled charge and make them get rid of the late charge since I paid them in XXXX. There should be no late charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I need to be a part of the class action lawsuit

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 2023-03-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
My property of XXXX XXXX XXXX XXXXXXXX MD XXXX  was in foreclosure and I was a defendant for Case Number : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX I made several calls between the representing XXXX XXXX XXXX XXXX  and the courthouse about the court process and requested documents all without success. In XX/XX/XXXX, I was able to get some information from MD Case Search and saw two affidavits of service file dates ; XX/XX/XXXX and XX/XX/XXXX. My son, XXXX ( XXXX  at the time ), and I were living in the home and didnt receive services. Covid-19 laws were in place to buy me some time since I didnt get any answers from the court clerks. They only referred me to call the representing lawfirm and vice versa. I called the XXXX XXXX XXXX XXXX XXXX and finally decided to sell my home while the market was so high. My house sold on XX/XX/XXXX and the XXXX motioned the case be closed on XX/XX/XXXX. I spoke with XXXX XXXX during and after this process. I wasnt aware foreclosure started as I submitted mediation papers with XXXX XXXX prior. They now state the papers were never received. I spoke to them about the reimbursement of foreclosure costs as well. After the house sold, I received the proof I was requesting all along from the lawfirm. If the sheriff checked photo identification, the address would not have matched the address of service. According to the court filed document, XXXX XXXX signed and accepted the documents to start foreclosure stating he was a resident and his relationship status to me is my son. As I stated earlier, I have XXXX XXXX son and no one else lived with us. Im requesting the fees and court costs be reimbursed to me. Im unable to file any motion to the courts and when I consistently called with questions on what steps to take, I received no assistance.

Company response to consumer: Closed with explanation