vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 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:
I am a victim of identity theft and have noticed the following fraudulent accounts on my credit files : XXXX - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Furthermore, I am allowed under the HIPPA LAW ( Health Insurance Portability Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I have never given permission to the above named companies for them to release or be provided my medical information or for them to release or provide my medical information to a third party. I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization which I have never provided, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide a breakdown of fees including any/all collection costs and medical charges you were provided to validate this debt. 
-Please provide a copy of my signature with the provider of service to release my medical information to the company reporting to you that you were provided to validate this debt -Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to me via mail, and accept this complaint as my 5th formal  notice of my identity theft and debt validation request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt to validate it. According to the FCRA all debt must be validated prior to posting or any company paying for your reporting services can fax, mail, or email fraudulent debt. 

Furthermore, any reporting of this debt by you prior to allowing me to validate it is violation of the FCRA which allows me to seek damages from a collection agent. 

Due to these accounts being a result of Fraud under the FCRA you are required to remove adn block these accounts within four business days from receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: UT

Complaint narrative:
Please shut down Experian Credit Company. Their information is never current, and they are almost impossible to contact, or to get inaccurate information corrected, yet they are a main source of information from some groups such as auto loans or mortgages in consideration of loan. I received a notice my Experian score dropped to XXXX! No reason given. Also, XXXX XXXX XXXX has sent correction update status to the credit bureaus removing a 30 day past due entry. Experian has not updated this even though I have submitted several complaints through CFPB and directly to Experian. This is having a negative impact on my credit.

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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting inaccurate information to XXXX XXXX. When I log on to Equifax directly to check my credit report it doesn't show any collections. When I log on to XXXX XXXX, the Equifax profile is showing 3 collections on my Equifax profile that is hindering me from establishing new credit with various banks and lenders. I can't submit a dispute through Equifax about the accounts because the accounts not directly on Equifax to dispute. I want the 3 collection accounts removed off of XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My checking account was fraudulently taken over on Saturday XX/XX/XXXX night. I spoke with a Chase representative from XXXX who indicated the transactions had been flagged and needed to confirm them with me. Upon confirming they were fraudulent, I was told I would need to go to a branch on Monday XX/XX/XXXX to provide identification and open new accounts. Monday morning arrives and I go to the branch to be told that my accounts are frozen and that they cant open any new accounts for me because Chase has banned us from being customers and they can not give me any funds because there are pending transactions and that a cashiers check will be sent in up to 10 business days. I called the customer service line on Thursday XX/XX/XXXX and Im told that they will be able to give me a portion of the funds but only in cash and to call back Friday morning so they can reach out to the branch to make sure they have enough cash. Friday morning arrives and I call the customer service line XXXX and arrange to pickup a portion of the funds at the XXXX XXXX branch and to speak with XXXX. XXXX was very nice and did everything he could. However, after almost 2 hours waiting in the branch they couldnt give me any funds again as they had canceled my debit card and the debit card was the only way to get the funds out the account. I have no access to any cash and am relying on credit cards. I am not able to pay my mortgage, car payment, utilities or quarterly tax payment because I can not access any of my funds. I have provided my photo ID, my passport, my Chase debit card and another credit card to provide identification. I have late fees on every one of my accounts and I am accruing interest on my credit card balance. I can not open up another checking account because I would need funds to do so. I spoken with Chase representatives 3 times on the phone and have been told to go into the Chase branch and they will either allow me to open new accounts or access a portion of my balances. I have been to 2 branches ( XXXX - XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX. ) and spent a total of 3 hours in the branches and have been told both times that I can not access my funds and I am no longer a customer. I have no access to my online accounts, have not received any further phone calls from Chase, have no access to my debit card, have not received any physical communication ( letter in writing ) and received emails saying I have important information in my online inbox on Chase.com which I am blocked from seeing. It has been 5 business days and I have no access to my ~ $ XXXX in my 3 bank accounts ( 2 checking, 1 savings ) and no one can provide a firm date of when I will receive my funds. They canceled my accounts and did not provide my any notification of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
The beginning of XX/XX/XXXX, I contacted Quicken Loans to see about approval for a new mortgage loan. I spoke to representative XXXX initially. I provided all requested materials, paid a required good faith fee of {$500.00} and received a pre-approval for a new mortgage loan. At that time I was questioned about my employment status. I had told XXXX over the phone as well as in text messages and email messages that I had retired from my permanent full-time position 2 years prior but, was continuing employment with the same company on a temporary basis, through their temporary office and had done so since XXXX of XXXX. He assured me that my employment status would not be a problem. Subsequently I received a final approval for the new mortgage loan with Quicken and signed a contract to purchase my new home. Out of the initial {$500.00} good faith payment I made to Quicken, an appraisal was done for my new address and fee deducted. I was also given a closing date of XX/XX/XXXX for the purchase of my new home and had the sell closing scheduled for my existing home on XX/XX/XXXX as well. Approximately two weeks after receiving the final approval from Quicken I was notified that there was a problem. Apparently Quicken misunderstood my employment status. They were under the assumption that I was working permanent for the temp. office I am working temporary for. Because of this my debt to income ratio posed a problem for my approval for a new mortgage loan with Quicken and my initial approval was denied. I received a phone call from XXXX at Quicken who offer the solutions of getting a co-signer for the new loan, putting {$20000.00} additional dollars down with my 20 % down on the new property or including my boyfriend on the loan. I am XXXX years old, have paid a mortgage for 30 years on my own, did not have an additional {$20000.00} dollars to put down and did not like the suggestion of being forced to put my boyfriend ( not husband ) on my loan. Due to these problems presented by Quicken I was forced to scramble to find another resource for a mortgage loan to purchase. I did so with no problem., however I am out my {$500.00} dollars paid to Quicken Mortgage and have not received an offer of refund from them. Truthfully I am not holding my breath that my money will be returned but, will never deal with Quicken loans in the future. This was a misunderstanding on their part and no fault of mine. If I could be reimbursed my good-faith payment of {$500.00} I would definitely appreciate that as I was required to pay an additional {$390.00} to my approving mortgage lender for another required appraisal of my new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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:
This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromising of my social security number, and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
Sometime after XX/XX/XXXX my personal information was compromised and I became a victim of Identity Theft. On XXXX a vehicle was rented in my name at XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX Ca. as well as products from XXXX XXXX Once I found out about this fraud I immediately put a fraud alert with the 3 major credit bureaus on XXXX and on XXXX the police report I filed with the XXXX XXXX Police Department was approved. I had contact with a detective from XXXX and informed him about the identity theft and the date in question and let him know that I was at work at the time of the car rental. No further information on my part was needed and a case of fraud/theft was issued with them. Once I had the police report approved I filed a Fraud Statement Dispute with XXXX and on XXXX XXXX XXXX sent me a letter stating they would not be pursing collection activity and I have been removed from financial responsibility. Soon after the police report I started getting calls from XXXX about an outstanding bill in my name. I informed them that I was a victim of identity theft and the same thing happened with XXXX XXXX. I then proceeded to fill out the XXXX Fraud Statement Dispute and sent that form in along with a copy of the police report and photo ID. XXXX in turn denied my fraud claim and are not accepting the information I have provided them. They in turn took me to collections in which I then sent Curtesy Letters to both XXXX and Source RM stating that California Penal Code 530.8 and the Federal Fair Credit Reporting Act require them to supply me with a copy of all information about the said account including the application that was used to open the account and records of all transactions. They both haven't sent me the information I requested but XXXX did send me another Fraud Dispute form. I also found out that an XXXX XXXX XXXX account was opened but they closed out the case after I talked to a manager in there fraud department letting them know I've been with them since XXXX and opening another account made no sense to which they agreed and closed out the fraud case. I also mentioned to XXXX XXXX that the said address used in the transaction ( s ) was an address I had previous lived at and was a renter. I no longer lived at said address because I am now a home owner. I have a copy of a 30 day notice of said address as well as a copy of the Grant Deed of my current home, the Police Report and the XXXX letter stating that the fraud case has been dismissed. I didn't have XXXX XXXX or XXXX XXXX XXXX XXXX in the police report because at the time I didn't know they purchased anything from them. 2 majors companies have accepted my fraud claims but only XXXX XXXX has not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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 opened an account with XXXX XXXX XXXX in XXXX, as of XX/XX/XXXX that account was paid off in full. Instead of the credit bureau showing that the account was paid in full and there is nothing owed on this account, it shows account was closed. My credit report score did not increase. I truly believe that is due to my race the amount of the debt that was paid off was XXXX instead of helping my credit score this hindered it. It did not go up but went down. XXXX made a comment stating keep try to keep accounts opened.

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 2020-03-06 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: CA

Complaint narrative:
On XXXX XXXX XXXX  I asked on XX/XX/2019 I asked to set my account on automatic payment their response was that I could not set it on autopay. Subsequently, my daughter was hospitalized in XXXX and in XXXX my grandmother passed and I was hospitalized due to XXXX XXXX which prevented me from making my payments. I pulled my credit report and XXXX XXXX XXXX reported on my credit that this went into collections and I was not notified in writing as I moved and told them this on XX/XX/2019.

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 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/2020, I transferred {$380.00} to another Zelle user using my XXXX  XXXX XXXX app to pay for concert tickets. The zelle  user is XXXX XXXX ( Cell XXXX ) ( Email XXXX ). The user took the money and never delivered tickets despite sending emails and texts representing that they had tickets. I tried to dispute with XXXX  XXXX XXXX which represents Zelle as being secure but it is not. I also tried disputing with Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
On XX/XX/2020 National Credit Adjusters violated FDCPA practices by attempting to collect a debt that is not only not mine, failed to prove is mine, the statute of limitations on this debt has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-03-06 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 initially emailed XXXX and Transunion, a basic dispute letter asking them to verify that the information on my credit report was reporting accurately. XXXX responded with a generic response saying that it was updated. I disputed the account with XXXX XXXX, debt collector involved. XXXX XXXX responded that they will no longer be collecting on the account, and that they will ask the reporting bureaus to delete the information. Transunion had this account as a duplicate, they deleted one and left the other, Although I provided them with the letter from XXXX XXXX. XXXX   responded twice with Updated. How can they update an account was they was told from the debt collector to DELETE. I sent XXXX another dispute along with the letters, pointing out FCRA VIOLATIONS and another copy of the letter sent from XXXX XXXX, saying for the bureaus to delete the tradeline. XXXX  responded again saying that the account was updated. I called XXXX  and spoke with a customer service rep. who told me that would open another dispute. They sent information saying they could not located my file in their database. I have enclosed all information below. I am seeking counsel for the violations in questions. Both transunion have XXXX under a DIFFERENT ACCOUNT than the account number XXXX XXXX sent. However the account number is WRONG 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 2020-03-06 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: I.C. System, Inc.
State: MS

Complaint narrative:
I initially emailed XXXX  and XXXX, a basic dispute letter asking them to verify that the information on my credit report was reporting accurately. XXXX  responded with a generic response saying that it was updated. I disputed the account with IC systems, debt collector involved. IC systems responded that they will no longer be collecting on the account, and that they will ask the reporting bureaus to delete the information. XXXX   had this account as a duplicate, they deleted one and left the other, Although I provided them with the letter from IC System. XXXX   responded twice with Updated. How can they update an account was they was told from the debt collector to DELETE. I sent XXXX another dispute along with the letters, pointing out FCRA VIOLATIONS and another copy of the letter sent from IC sytames, saying for the bureaus to delete the tradeline. XXXX  responded again saying that the account was updated. I called XXXX  and spoke with a customer service rep. who told me that would open another dispute. They sent information saying they could not located my file in their database. I have enclosed all information below. I am seeking counsel for the violations in questions. Both XXXX  have IC under a DIFFERENT ACCOUNT than the account number IC system sent. However the account number is WRONG 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 2020-03-06 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: AR

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
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