vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
Transunion XXXX is reporting a collection on a debt that is over 15 years old and was paid in full 15 years ago and has been sold from one debt collector to another for a {$150.00} balance. This information is far too old to be appearing on my report. I have never spoken to this new collection company in addition to the debt collection being fraudulent. The bill was paid and account closed over a decade ago. This is all a lie and it is illegally reporting on my credit profile. You can't just post XXXX like this on a credit report with no explanation regarding why XXXX thinks this is suddenly relevant to anything. I want this removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax Your listing that XXXX XXXX account # XXXX is closed however your still listing a monthly payment of {$330.00} thats a violation please remove this account immediately. Also XXXX is reporting 36 Months term and your reporting Monthly ( due every month ) thats also a violation please remove this account immediately XXXX is reporting Account Type - Detail Auto Loan and your reporting account type as Installment thats a violation please remove this account immediately. Your also listing High Credit {$7600.00} with a balance of {$11000.00} witch is more then your listed high credit thats a violation please remove this account immediately, there are also missed payment inaccuracies thats a violation please remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
So I called Equifax at XXXX PM on XX/XX/2022 I spoke to a young lady by the name of XXXX she stated to me that shes unable to remove any in accurate information thats on my credit report I have sent the letter XXXX letter I have uploaded and fax all the inquiries thats on my credit report are in accurate And I need them to remove it because its affecting Financially

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
The topics for issues did not really apply to my issue. I am trying to request a Verification of Mortgage from my current mortgage company, Amerihome, as I am working on refinancing with another company. I began requesting this document on XX/XX/XXXX. I was given the option of how I would like to receive it and I requested email. I was told I would receive it in 24-48 hours. I called back on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. Each time I am on hold and passed around for XXXX hour phone calls. On two of the days I called multiple times. I have been told repeatedly I would receive the papers in 24-48 hours or up to 72 hours. I still have not received them. In the meantime several of these calls I was approached about doing my refinance thru their company as my other refinance has not finished yet- since I have not received the papers. Today I was told it would be sent today via fax to my loan agent, but still do not have the papers. Ive received different stories from almost every agent Ive spoken to. All I would like is the XXXX sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I checked my credit report today XX/XX/XXXX because I got an alert from experience about a change shows IC systems for XXXX in the amount of XXXX. This account was open fraudulently. I was told account was open back in XXXX for a month when I called. I don't have have XXXX services. This account was open fraudulently

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: PA

Complaint narrative:
accounts were created from unauthorized use of my social security and i did not consent to, authorize nor benefit from any of the following I plus these are negative item created under my social security number block and remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
My husband and I placed an offer on a house for an investment property in XX/XX/2022. We used Atlantic bay for a conventional loan. Our offer for the house was XXXX with the seller paying almost XXXX in closing. We pay over asking price so the seller we pay most of the closing cost. We got out Closing Disclosure and it had us paying $ XXXX. Before getting the closure document we called, emailed, and text asking what do we need to bring to closing? I even called the day before closing asking what that number was and XXXX XXXX said she was looking for it and would call me back and she did not. 

We get to closing thinking that the previous closure document was correct. We are then told that we have to pay almost {$4000.00} more than what we were told. I asked why and the lawyer said it was because Fannie Mae only lets the seller pay up to 2 %. This was never communicated to us. Otherwise, we would have renegotiated with the seller. We asked was there anything we can do to our title company ( XXXX XXXX ). And she said no, we all dropped the ball but sorry there is nothing you can do. We never received an updated Closing Disclosure document, and no one communicated with us that this number had changed. The lender found out about this change on XXXX. ( Even though this is standard ) We closed on the XX/XX/XXXX and no one still communicated with us. This cost about {$4000.00} that we did not plan on paying at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: OLD NATIONAL BANCORP
State: CA

Complaint narrative:
As a Victim of Identity theft. I have received Banks statement from many Banks. I had contact with those Banks and closed. The only Bank that I hve left to investigate and close is Old National Bank through XXXX but the Account wasn't able to closed. The address of the bank the the theft open under my name is XXXX XXXX XXXX XXXXXXXX IN XXXX .I called XXXX XXXX , The Bank Fraud Investigation , Her phone number is XXXX. 
Fax number is XXXX is XXXX. I had called the Banks many time to close the account. XXXX said because the natural of deposit she could not close the account. She asked if I ever had United state saving bond which presume the account can not be closed. On Friday XXXX, I received two form XXXX  sent from Old National Bank. The first Account number on XXXX is XXXX earned interest income is {$14000.00} and the second account number is XXXX earned {$15000.00}. Both for the Identity Theft used my Identity to these accounts and get interest income. It is Criminal and unlawful. Also, The Identity Theft open ONB Every day Checking account number is XXXXWith amount {$6000.00}. Please help me to close these accounts and adjust form XXXX that effect my Tax Return. Thanks for your help and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UPGRADE, INC.
State: PA

Complaint narrative:
I opened an upgrade cash reward credit card on XX/XX/2021, because I was offered a {$400.00} promotion if I did three transactions with the card. However, after the first billing cycle, when I did not receive the bonus, I contacted them. The representative assured me it would be credited to me after two billing cycles. After two billing cycles, when I did not receive the amount, I again contacted them and spoke with 4 representatives. The first person said I would receive it in three billing cycles. Then he emailed and said I needed to spend {$500.00} within a year to receive the promotion. I contacted them again and asked them about the new requirement of {$500.00}, but they could not answer and transfer to another person. In every conversation, they gave me different explanations. I requested them to send me a copy of their original promotion offer so that I can verify. Everyone promised during the call, but none of them provided me with the original promotion offer. Instead, they have sent emails with their own explanations. 
In summary, I feel that this upgrade cash reward is a false advertisement or they are tricking people like me in different ways. Furthermore, it is disgusting that my credit history was affected by their hard inquiry for this false promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 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: DE

Complaint narrative:
Hello my name is XXXX XXXX I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a VICTIM of identity theft!!! Please delete these items as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
A credit provider ran my credit for a home loan without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX, Amazon charged my prime card through chase {$20.00}. Card ending in XXXX XX/XX/XXXX, I called can canceled the card ending in XXXX On XX/XX/XXXX, Amazon charged the XXXX card {$29.00} ( how does chase allow a charge to be made to a canceled card ) On XX/XX/XXXX, I called XXXX at XXXX and XXXX. I spoke to the representative about the wrongful charges made. He instructed me to call Amazon and have the charges refunded On XX/XX/XXXX. I called Amazon at XXXX. The times were XXXX and XXXX. I had to speak with them twice. Chase did not tell me initially it was two separate charges. 
XX/XX/XXXX. Amazon refunded both amounts ( XXXX & XXXX ) to my chase prime credit card. 
On XX/XX/XXXX, chase charged my XXXX XXXX checking account, ending in XXXX, {$72.00}. 
On XX/XX/XXXX. I contacted chase at XXXX, I was on the phone for 1hr and 4 minutes. I was hung up on and told I would be contacted by the security department. At XXXX I called again and was told the same thing XX/XX/XXXX. I called chase at XXXX, was on the phone for 22 minutes and once again told the security department would call me. I was abruptly hung up on I called again at XXXX, was hung up on within 2 minutes I once again called at XXXX. I spoke to several people from multiple departments. I was on the phone for 1 hour and 30 minutes. The wrongful charge to my XXXX have not been refunded because I did not file a fraudulent charge ( even though I told the gentlemen on XX/XX/XXXX that I was wrongfully charged by amazon ) I spoke to a supervisor that refused to help me. He said he filed a complaint and in fact did not. 
I did speak to a supervisor that was helpful and filed a complaint. The number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I sent a letter to the credit bureaus requesting for them to update items that were incorrect on my credit report more than 30 days ago, I have not gotten a response. 

Hard Inquiry XXXX on XXXX Please remove this inquiry as I did not authorize this Account not mine XXXX : Account showing delinquent status XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 -- showing charge off- this account does not belong to me, please remove this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
So I called Equifax at XXXX XXXX on XX/XX/2022 I spoke to a young lady by the name of XXXX she stated to me that shes unable to remove any in accurate information thats on my credit report I have sent the letter XXXX letter I have uploaded and fax all the inquiries thats on my credit report are in accurate And I need them to remove it because its affecting Financially

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report.

Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
My income tax return of XXXX went on my Bluebird Prepaid American Express account and I can not access my money online, from my card in any way or reach customer service that they don't hang up on me after sitting on hold for hours at a time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
Rubin and Rothman, LLC sued me Last year for a Debt I did not Have with Them or Owed them At All. And Has Unlawfully Reported it to The Consumer Reporting Agencies without My permission and Has Cause me Severe Loses. Due to the Inaccurate Information that is on MY Credit Profile.I did not given RUBIN AND ROTHMAN Permission to Contact Third Parties with my Private or Personal Information. By Obtaining my Credit Profile on XX/XX/21. Without Permissible Purpose RUBIN AND ROTHMAN Violated The Fair Credit Reporting Act. { FCRA } codified 15 USC 1681 { b } { a } { 3 } { f } { i }. I have not Initiated Any Transaction with RUBIN AND ROTHMAN, Furthermore I do not have an Account as Defined under 15 USC 1693 { a } { 2 } for Review or Collection. And Must Delete That UNAUTHORIZED INQUIRY IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: DE

Complaint narrative:
Hello my name is XXXX XXXX I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 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.

It has been 30 days and you are in VIOLATION of this law because I am a VICTIM of identity theft!!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: DE

Complaint narrative:
Hello my name is XXXX XXXX I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 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.

It has been 30 days and you are in VIOLATION of this law because I am a VICTIM of identity theft!!! Please delete these items as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I was in the Covid relief act and in forbearance and my late payments were reported late while I was in Covid relief and in forbearance and late payments were reported to the credit bureau and Im trying to have them removed from my credit report so I can refinance my mortgage. I have phh mortgage services. They reported 3 late payments while I was in forbearance under the Covid relief.

Company response to consumer: Closed with explanation