vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is continuing to list improper payment status on my credit report for Missouri division of Child Support account that closed in XXXX my last payment was XXXX of XXXX they closed the account XXXX of XXXX but they are continuing to list that I was 120 days late from XXXX of XXXX until XXXX of XXXX every single month I have provided documents from the state of Missouri and they still continue to incorrectly report payments history on my report now I expect to be paid for every violation XXXX violations... 
The first document I am uploading is from the Missouri Division of Child Support and it's highlighted that my final payment was XXXX of XXXX they closed the account the following month in XXXX of XXXX because I did not have to pay child support anymore my son turned XXXX in XXXX of XXXX the second document I am uploading is what I received back from Equifax after I disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened a Mortgage account with Regions bank in XXXX of XXXX. In the next year I went through a divorce and the mortgage was signed over to me. My ex-husband was court ordered to pay off second mortgage and take his name off of the mortgage. He did neither one. XXXX years later, I have had to open a new loan to pay off my second mortgage and Regions has never allowed me to refinance my mortgage to remove my ex-husband 's name. I have tried numberous times since XX/XX/XXXX to get this accomplished. I have sent in copies of my divorce decree, copies of my deed where he was removed from it, my marriage certificate from XX/XX/XXXX to change my name ( which is still not been done ). I am now trying to get an insurance check endorsed by Regions bank so I may repair water damage. They REFUSE to endorse my check. It's been XXXX weeks since I was in the branch and just now getting to me to tell me. I have sent in numerous documents to them ( again ) and they have kept my check and will not endorse it. I have dealth with these rude, irresponsible people who lack in communication to their customers for extra money and they are unbearable to work with. Like I said, I have been going through this mess since XX/XX/XXXX ... XXXX years LATER I'm still doing the same things I was doing then because nothing was changed all of the previous times I've done all of this paperwork.

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 2023-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
A call came into my place of business earlier today threatening the power would be terminated imminently due to an outstanding balance. They gave me a case number to be reimbursed in case there was an error on their end. When I asked why they never notified me they said XXXX letters had been sent. To avoid immediately losing power at my store, I figured I could present the case number and reverse the charges if it was their mistake. I had customers and meetings, and ended up paying {$1000.00} via XXXX to avoid the shutoff. I contacted Chase and they said there is nothing they can do. These are the phone numbers tied to this : ( XXXX ) XXXX ( XXXX ) XXXX *this was the number used with XXXX And XXXX just called again about collecting the remaining balance. Unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX/COMENITY/XXXX was opened XX/XX/23 without my authorization. Current balance {$0.00}, and credit limit of {$350.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: LendingPoint Holdings LLC
State: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, LENDING POINT used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. LENDING POINT reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you XXXX have any type of block on it thank you.

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 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I added my XXXX XXXX as an authorized user eight years ago. Now that he is an adult, card performance is reported to his credit report. He hasnt personally given authorization to the bank to use his credit report, and he is not financially liable for it. This does not seem right, ethical and does not seem a permissible practice under the Fair Credit Reporting Act. I contacted the Bank and they were dismissive and not willing to provide a response backed by existing laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you XXXX  have any type of block on it thank you.

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 2023-06-12 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: OneMain Finance Corporation
State: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, ONE MAIN FINANCIAL used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. ONE MAIN FINANCIAL reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Selene Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Have now been retained as attorneys for Plaintiffs XXXX XXXX XXXX and XXXX XXXX XXXX for improper use of credit report and several accounts of RESPA violations. 

Selene Finance have violated plaintiffs privacy The law states The List of accounts above 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. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: FL

Complaint narrative:
SEE ATTACHED NEW FRAUDULENT ITEM ADDED TO MY CONSUMER REPORT ON XX/XX/23. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted different disputes about this information and they keep rejecting.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-12 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I lost my wallet back in XXXX with my drivers license and social security card in it. I recently tried to apply for a mortgage and theres a lot of unauthorized inquiries and even an account that I did not open. Please delete the following inquiries that I did not authorize. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
Hello good evening My names XXXX I just need to dispute inquiry type Im ask for personal loan they approved me first but after I give my information account number and routing number they can funds the money to my account they reject for no reason and add hard inquiries under my credit report I need to Remove this inquiry Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BOA double charged me on a month I had a large balance, and I've been unable to get my money back despite a series of long calls with the company and various promises made. My BOA credit card is on autopay, to cover the full amount each month, from my checking account at a different bank. At the beginning of XXXX, I got a notice the payment couldn't go through because of the balance in my checking account. I fixed the balance, and then sent in payment manually through credit card website ( still taking money from the same bank account ). A couple days later, BOA took the same payment AGAIN : {$4900.00}! I called to ask to get my money bank in my bank account, starting beginning of XXXX, and despite many calls and being handed around between employees and departments, I still don't have my money back. My credit card now account shows an almost {$4000.00} credit, and they *still* took more money out of my bank account to pay my XXXX balance. They keep telling me different things, but the conflicting advice almost doesn't matter because it all results in the same thing : I'm out the money they took from my bank account without my permission, and scrambling to pay my mortgage and coop fees, and my estimated taxes, and other bills, for the second month in a row. Today I called again ( having been promised the money back in my bank account by last Friday at the latest, but of course it is still not there on Monday ) and was told it would take 30 days more to get it. Previously, I was told it would somehow take three billing cycles, to get my money back. Funny, when I sent money to them, it went through almost instantaneously! Whatever BOA says in response to this, I am absolutely not going to believe it until I see the money actually back in my bank account.

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
Consumer complaint received 2023-06-12 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: CA

Complaint narrative:
I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 
Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX Card, Account Name : XXXXXXXX XXXX Account Name : XXXX, Account Name : Factual Data, Account Name : XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: Block, Inc.
State: TX

Complaint narrative:
I am submitting a complaint in regard to XXXX different transactions : XXXX - {$5000.00} on XX/XX/2023, XXXX - {$5000.00} on XX/XX/2023, and XXXX - {$3900.00} on XX/XX/2023. I was defrauded by a XXXX who agreed to do construction work on our property. I sent the payments as requested by the XXXX who has since disappeared and blocked my phone number. I have tried reaching out several times through various means such as email, phone, text message, social media, and showing up to his listed address. I recently discovered that the XXXX has an extensive criminal history and may have done the same thing to other customers. 

I have attempted to submit a dispute for these transactions with Cash App as I didn't receive the services I paid for from this merchant, and have been defrauded. I haven't received any response from Cash App since last week and I keep having my conversation ended by the agents I am speaking to. I have worked very hard to save money to have this project completed and Cash App is allowing it to be stolen from me, and is being very disrespectful during this difficult time. I have offered to provide documentation and I have had phone calls and chat conversations ended abruptly. The company should be embarrassed that they are facilitating fraud at this magnitude. I would like to have the money removed from the XXXX 's account and be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB- Numerous disputes were filed with Transunion for the incorrect reporting of accounts XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX Acct XXXX XXXX. Multiple disputes have been filed with Transunion and the information has come back verified as belonging to me. 

On XX/XX/23, Transunion sent an updated credit report to my residence with the wrong name listed on the credit report. The above referenced accounts were listed in the credit report as verified and belonging to XXXX XXXX. Unfortunately there is no one by the name of XXXX XXXX residing at my residence. 

We are asking for the alleged verified as accurately reporting and belonging to XXXX XXXX be removed from consumer profile and checks in the amount of XXXX per account and for the duration of how long these unverified accounts have been listed within my consumer profile be removed immediately. 

We expect this to be rectified within 15 days and the checks of {XXXX} each for violations of the FCRA be mailed accordingly. 

This has caused me great harm and has affected my ability to obtain credit at this time. 

Respectfully submitted, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: IL

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

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