vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am following up on my recent update regarding my status as a victim of fraudulent activity. Allow me to reiterate that, in accordance with FCRA Section 605b, Credit Reporting Agencies are required to remove any items listed on an identity theft report. Mine is referenced under # XXXX. Attached, please find the necessary documents to facilitate the removal of erroneous information and fraudulent inquiries from my reports. Below is a list of items that were opened without my authorization : EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. As outlined in FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within four business days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XXXX the XXXX of XXXX My company XXXX XXXX XXXX XXXX did some XXXX  /XXXX  XXXX work for XXXX XXXX totaling XXXX. it was split into XXXX payments of XXXX  with a net pay of XXXX On XX/XX/year> My company XXXX XXXX XXXX XXXX did concrete and Miscellaneous work for XXXX XXXX for XXXX 
It was split into XXXX payments of XXXX and the other XXXX with the total net pay of XXXX and a grand total of XXXX on hold/review. 
My customer XXXX transportation who is also an account holder with JP Morgan paid everything in full. My bank JP Morgan Chase and their WePay/quick accept department did not do their due diligence and just contacting the customer who is also an account holder with them to verify that they authorized the transaction. As a result of JP Morgan Chase Bank incompetence it has caused my small business XXXX XXXX XXXX irreparable harm and damaged reputation because of the extremely large amount being held for no reason. I am really trying to get this situation resolved quickly and in a peaceful manner without taking legal actions against Chase. I was also looking at Chase customers complaints on the XXXX XXXX XXXX and a lot of their customers has experienced the same thing. Chase Bank is known to hurt a lot of small business owners because of the same situation. We just want our money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: LA

Complaint narrative:
I only had a lease with this company thru XX/XX/XXXX and my rent was paid in full thru XX/XX/XXXX. I then moved and signed a lease with a different apartment complex from XX/XX/XXXX - XX/XX/XXXX. I have not lived in any properties owned by this creditor nor do I have contract with creditor past XX/XX/XXXX. And I have the proof of rent payments paid in full thru XX/XX/XXXX, a copy of that lease, and a copy of the new lease with current apartment. So how is it that this creditor is trying to charge me for rent for XXXX, including late fees when I was not even a resident, nor was I supposed to be a resident of any of this creditors properties??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting 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 account is not mines it say its open account thats falling off in XXXX of 2024 XXXX XXXX XXXX is no an open account this is fraud XXXX IS NOT MINES THIS IS FRAUD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is not mines it say its open account thats falling off in XXXX of 2024 XXXX XXXX XXXX is no an open account this is fraud XXXX IS NOT MINES THIS IS FRAUD

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is not mines it say its open account thats falling off in XXXX of 2024 XXXX XXXX XXXX is no an open account this is fraud XXXX IS NOT MINES THIS IS FRAUD

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  Keeps updating an account that is not mines

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is fraud they already deleted 5 of them for fraud and this is not mines

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Names XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX XXXX ID # XXXX My only name XXXX XXXX My only address XXXX XXXX XXXX XXXX XXXX florida XXXX My only date of birth is XXXX My only employer is XXXX  You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Incorrect information on your report — Account information incorrect
Company: 21ST MORTGAGE CORP.
State: OH

Complaint narrative:
This account is incorrect, I paid my mortgage every month on time, I tried to work with the company to resolve any issues, I surrendered the mobile home and it was sold to the trailer park, they say I owe XXXX and I don't, I walked away free and clear

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive been in communications with ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Names XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Address ID # XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX XXXX ID # XXXX My only name XXXX XXXX My only address XXXX XXXX XXXX XXXX XXXX florida XXXX My only date of birth is XXXX My only employer is XXXX  You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Names XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX XXXX ID # XXXX My only name XXXX XXXX My only address XXXX XXXX XXXX XXXX XXXX florida XXXX My only date of birth is XXXX My only XXXX is XXXX  You are required to do what I am asking and block the following personal XXXX from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX ACCOUNTS NEEDS TO BE DELETED LIKE TRANSUNION DELETEED THE FIRST 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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Notice to all, I, am that I am, the consumer in fact natural person, original creditor, lender, executor, administrator, holder in due coarse for any and all derivatives thereof the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will XX/XX/year> XXXX, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth In Lending Act is intended to secure and inform the use of credit results from an awareness of the cost thereof by consumers. It is the purpose of The Truth In Lending Act to assure meaningful disclosure of credit terms so that I, the consumer will be able to compare more readily the various credit terms available to me and avoid the uninformed use of credit, and to protect me as the consumer against inaccurate and unfair credit billing and credit card practices. My right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy wont be violated again due to my lack consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish and losses due to me being a victim of identity theft, so be it, and ; The Fair Dept Collection Practices Act is intended to protect consumers against abusive, and deceptive debt collection practices and I have been abused and deceived so be it ; fact, affiant is aware and has proof in the attachment labeled as Exhibit A COLLECTION AGENCY is in violation of 15 usc 1692b ( 5 ) Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Notice to all, I, am that I am, the consumer in fact natural person, original creditor, lender, executor, administrator, holder in due coarse for any and all derivatives thereof the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will XX/XX/year> XXXX, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth In Lending Act is intended to secure and inform the use of credit results from an awareness of the cost thereof by consumers. It is the purpose of The Truth In Lending Act to assure meaningful disclosure of credit terms so that I, the consumer will be able to compare more readily the various credit terms available to me and avoid the uninformed use of credit, and to protect me as the consumer against inaccurate and unfair credit billing and credit card practices. My right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy wont be violated again due to my lack consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish and losses due to me being a victim of identity theft, so be it, and ; The Fair Dept Collection Practices Act is intended to protect consumers against abusive, and deceptive debt collection practices and I have been abused and deceived so be it ; fact, affiant is aware and has proof in the attachment labeled as Exhibit A COLLECTION AGENCY is in violation of 15 usc 1692b ( 5 ) Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Notice to all, I, am that I am, the consumer in fact natural person, original creditor, lender, executor, administrator, holder in due coarse for any and all derivatives thereof the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will XX/XX/1983 XXXX, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth In Lending Act is intended to secure and inform the use of credit results from an awareness of the cost thereof by consumers. It is the purpose of The Truth In Lending Act to assure meaningful disclosure of credit terms so that I, the consumer will be able to compare more readily the various credit terms available to me and avoid the uninformed use of credit, and to protect me as the consumer against inaccurate and unfair credit billing and credit card practices. My right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy wont be violated again due to my lack consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish and losses due to me being a victim of identity theft, so be it, and ; The Fair Dept Collection Practices Act is intended to protect consumers against abusive, and deceptive debt collection practices and I have been abused and deceived so be it ; fact, affiant is aware and has proof in the attachment labeled as Exhibit A COLLECTION AGENCY is in violation of 15 usc 1692b ( 5 ) Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I had asked for early access to my social security and I was denied.. The representative kept changing her reason for denying me so I asked for a policy in writing and she said there wasnt one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consolidated Recovery Group, LLC
State: NY

Complaint narrative:
There are two accounts that is on my credit profile which I do not know about.my information was bought and sold illegally because in a victim of the XXXX XXXX XXXX want these items deleted from my credit report effective immediately, I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach.Please help me delete these illegal accounts from my credit report ( 1 ) Consolidated Recovery Group ( 2 ) XXXX XXXX

Company response to consumer: Closed with explanation