vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 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: IL

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: NJ

Complaint narrative:
sent a letter out on XX/XX/XXXX to XXXX, transunion, and XXXX regarding to student loans paid off and very old accounts and request for deletion because its holding me back from getting ahead along with investigations for bankruptcy. However its been more than 30 days and the credit bureaus failed to send my investigation back. I Chvez been going back and forth with this since XX/XX/XXXX. This is not making any sense. XX/XX/XXXX I have also sent a letter to the court asking if they report bankruptcy to credit bureaus and they sent me a corresponding letter stating they do not report to credit bureaus. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-09-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax regarding to student loans paid off and very old accounts and request for deletion because its holding me back from getting ahead along with investigations for bankruptcy. However its been more than 30 days and the credit bureaus failed to send my investigation back. I Chvez been going back and forth with this since XX/XX/XXXX. This is not making any sense. XX/XX/XXXX I have also sent a letter to the court asking if they report bankruptcy to credit bureaus and they sent me a corresponding letter stating they do not report to credit bureaus. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: IL

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
XX/XX/2023, XXXX XXXX  A fraudulent account was opened in my name, and I spoke to several people trying to get it closed. None of them were able to close it, and I was told to send an email to XXXX XXXX XX/XX/XXXX I sent the email XX/XX/XXXX, XXXX XXXX  I received a new email telling me that a card was sent out to the address the fraudsters use, even though my credit is closed XX/XX/XXXX I again spoke to someone on the phone XX/XX/2023 at XXXX XXXX  I got an email saying the account was closed XX/XX/2023 at XXXX XXXX  I got an email saying another account in my name was opened, asking me to create a password

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: GA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RockLoans Holdings LLC
State: TX

Complaint narrative:
I was working with Rocket Mortgage to get a cash our refi to payoff some credit card debt. My credit score wasn't high enough even though I pay all my bills on time. They said that since some credit cards are at or near the limit my score was too low. They referred me to someone that was supposed to help me increase my score enough to continue with the refi. The said someone would call me to help. I received a call from XXXX XXXX. I thought he was with Rocket Mortgage, but he is with another company called XXXX XXXX XXXX. However his email is XXXX. He told me that if I applied for a loan with Rocket Loans and pay off two of my current loans, my score would increase enough to do the refi. The plan was then to payoff credit cards and the loan obtained by Rocket Mortgage. I was approved, obtained the loan, and paid the credit card and line of credit he suggested. However this did not increase my score at all. I was charged a fee of {$290.00} by Rocket Loans. I have a higher interest rate and higher payment than on the other two loans. So the only one that benefitted from the transaction was Rocket loans. The get the fee and the interest and I suspect XXXX XXXX will get some kind of incentive the referral for loan. This did not benefit me at all. In fact, I am in a worse financial position than I was before the transaction. I feel that Rocket Loans is pushing people to obtain loans from them just to generate revenue their company. It doesn't benefit the consumer at all. This should be further investigated to see how many they have promised an improved credit score when obtaining a loan from Rocket Loans and then this ends up not helping at all. It's just a revenue generating scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company is stating that I opened up 4 accounts. It says I owe them $ XXXXon 4 different accounts. I explained to them that someone stole my social security number. I proceeded to ask if I can speak with someone that can help me because I didn't open these accounts. They said that there was nothing that they could do for me and that i would have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/2023 Status Open. {$520.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$5000.00} Balance updated XX/XX/2023 Recent payment - Monthly payment {$170.00} Original balance {$4700.00} Highest balance - Terms 36 Months My credit report is telling that this account was opened in XX/XX/2023 in the amount of {$4700.00} with an interest charge every month. They have called and harassed me on the phone leaving messages and I'm on the DNC list. When I spoke to someone XX/XX/XXXX at XXXX XXXX there about original service agreement or contract with my signature, they gave me the run around. So, in the pdf 's provide I sent a certified letter a couple of weeks ago. Back on XX/XX/XXXX, I gave them 10 business days to send me any documents with the details I've been requesting. This company is fraudulently using my information and is reporting to credit bureaus. I have never done business with them, and my bank records show NO money ever deposited into my bank account for a loan. I'm requesting that this negative information be removed from my credit report, and they stop calling and harassing me. If this is not resolved soon, I will be filing a civil lawsuit to XXXX XXXX! They must delete all negative information from all 3 credit bureaus ASAP!

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 2023-09-20 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: AR

Complaint narrative:
I was surprise to notice on my credit report accounts that didnt belong to me it impacted me and my family from getting a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: PA

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX  XXXX XXXX  XXXX, XXXX, equifax Credit report credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 168XXXX XXXX  XXXX XXXX  XXXX, exprian, XXXX Credit report credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2023-09-20 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I have some Unauthorized inquiries appearing on my credit report I have attached supporting documentation.

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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has denied me access to my account. The account was originally opened using my home landline phone number. 
I called customer service and spoke to XXXX ( XXXX XXXX ) and her supervisor XXXX  ( XXXX  XXXX ). Neither was able to complete my information update. The landline associated with the account has been terminated and I needed to update it with my cell phone number. When attempting to complete the authentication process neither of the XXXX  cell phone numbers I gave them were accepted. They would not use any other type of authentication process other than a scanned photo of my government issued I.D . sent across the internet. This is supposed to be for my security, but it actually opens the door to any predators wishing to capture my personal information. 
I need access to this account so I can pay it off and close it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: NV

Complaint narrative:
on XX/XX/XXXX a formal complaint was mailed to transunion to go over a account that was on my credit that i had no knowledge or have I dont business with. I have yet to receive any communication that my dispute would be processed.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax is a dirty evil NON RESPONSIVE credit reporting company that has thoroughly screwed up my credit AND DROPPED MY FICO SCORES beyond repair!! I'm a XXXX person and a XXXX veteran, and made a serious complaint about XXXX XXXX XXXX, of XXXX, Minnesota, that XXXX XXXX AND EQUIFAX are intentionally misreporting my mortgage amounts, such that it looks like i never paid ANY amounts of the principle on my mortgage ( SHOULD BE XXXX NOT XXXX $ )!! 
When i reported this to equifax VIA THE CFPB, EQUIFAX OPENED, WITHOUT MY KNOWLEDGE OR CONSENT OR WRITTEN AUTHORIZATION, A DISPUTE ON MY CREDIT REPORT!! THE DEVELOPING WORLD CALL CENTER REPRESENTATIVE WHEN I CALLED AT XXXX XXXX ON XX/XX/23, WHO WAS A TOTAL UNRESPONSIVE JERK AND NON RESPONSIVE TO ME, REFUSED TO CLOSE EQUIFAX 'S DISPUTE THAT I DID NOT REQUEST!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the law 15 USC 1681i ( 5 ),, inaccurate or incomplete information can not be provided in my credit report, I have found that late payments in the XXXX XXXX XXXX account XXXX are inaccurate in all XXXX bureaus of credit, according to law 15USC 1681e ( b ) there can not be incomplete and inaccurate information in the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have a car loan with XXXX XXXX  # XXXX and they partnered with another company XXXX XXXX XXXX # XXXX and they both show a balance due on all three credit reporting agencies and I have disputed this for months and nothing has changed. This is detrimental to my credit. It is preventing me from getting other loans as it shows that I owe two loans and I only owe On one. 
This is double reported on my credit reports! 
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 2023-09-20 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CT

Complaint narrative:
The account was initially opened with another bank which was purchased by BMO. I did not authorize BMO to keep this account open when they did. So I request the fee be cancelled and my account be closed.

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 monetary relief