vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I live in Florida and because of the pandemic I lost 30 % + of my income starting in XXXX when the Stay at Home order was enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX   XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : US SM BUS ADMIN ODA Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : CREDIT XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : US SM BUS ADMIN ODA Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: MO

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: MO

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C. SYSTEM, INC has placed a negative mark on my credit. This collection agency has not informed me of this debt or provided documentation or verification of what this debt is for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint narrative:
I have not been living in the United States since XX/XX/XXXX and I am currently residing in XXXX XXXX. I was trying to obtain a free credit report from Equifax today ( I have never tried to obtain one before ) and I was unable to get a free report as it prompted me to answer 2 security questions to identify myself but those questions are based on my current credit report ( which I do not have access to ) which indicates that 1 ) I  opened an auto loan/lease back in XX/XX/XXXX and 2 ) opened a personal loan installment account in XX/XX/XXXX which clearly are frauds as I am no longer living in the US so there is no way I have obtained these loans while I am physically in XXXX XXXX. Since I can not access my credit report I have no idea how much money was borrowed and which companies were involved therefore I would like to have an investigation on this and would like to have these corrected thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I strongly disagree with the decision that is taking by XXXX XXXX  against me today after like 30 days of waiting since I've put in my disputes against those companies as Credit Acceptance, XXXX XXXX XXXX etc. They should be all remove immediately from my Credit Report!!! I consider this  decision which is merging you ( XXXX  ) as link to XXXX XXXX as a strong discrimination one '' s. 

XXXX XXXX I am lively standing behind my Credit Issues from now on. You guys got to stop selling people 's name!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: NJ

Complaint narrative:
On XX/XX/2020 I mailed into TransUnion via Certified Mail XXXX, an Identity Theft Fraud Report In accordance to the FCRA Section 605 ( A ). The Identity Theft Report including all the necessary documents,, 1. the Appropriate proof of my identity,2. A valid copy of an Federal identity theft report with sworn affidavit, 3. A notarized statement from myself of the fraudulent accounts as well as a sworn affidavit stating that the account and transactions and information in question is not any accounts or transaction related to me the consumer.

TransUnion failed to block all the accounts identified in the Identity Theft Fraud Report as fraudulent accounts. This is a blatant violation of the FCRA Section 605 ( A ), ( B ). I will be taking legal action for this violation. TransUnion has 7 days from the receipt of the
complaint to block the remaining negative fraudulent account. TransUnion 's registered agent is simultaneously being served with legal process on this matter in regards to this violation. If the Negative information is not blocked I will be seeking damages for willful neglect and defamation.

TransUnion Needs to adhere to the FCRA in regards to the Identity Theft Fraud Report in their possession

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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:
The Credit Bureaus are not blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. These are the fraudulent accounts that I have disputed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/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 2020-10-08 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: NJ

Complaint narrative:
On XXXX XXXX, 2020 I mailed into TransUnion via Certified Mail XXXX, an Identity Theft Fraud Report In accordance to the FCRA Section 605 ( A ). The Identity Theft Report including all the necessary documents,, 1. the Appropriate proof of my identity,2. A valid copy of an Federal identity theft report with sworn affidavit, 3. A notarized statement from myself of the fraudulent accounts as well as a sworn affidavit stating that the account and transactions and information in question is not any accounts or transaction related tome the consumer. TransUnion failed to block all the accounts identified in the Identity Theft Fraud Report as fraudulent accounts. This is a blatant violation of the FCRA Section 605 ( A ), ( B ). I will be taking legal action for this violation. TransUnion has 7 days from the receipt of the complaint to block the remaining negative fraudulent account. TransUnion 's registered agent is simultaneously being served with legal process on this matter in regards to this violation. If the Negative information is not blocked I will be seeking damages for willful negligence and defamation. TransUnion Needs to adhere to the FCRA in regards to the my Identity Theft Fraud Report in their posse

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: PA

Complaint narrative:
The Credit Bureaus are not blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. These are the fraudulent accounts that I have disputed : XXXX XXXX, XXXX XXXX, XXXX XXXXXX/XX/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 2020-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stenger & Stenger, P.C
State: TN

Complaint narrative:
On XXXX XXXX, XXXX, Stenger & Stenger sent a copy of an Order of Substitute of Counsel on a supposed Complaint on a supposed Judgement on a debt that is from XXXX and is now Time-Barred and well past the 6 year Statue of Limitation within Tennessee for residents. ( TCA 28-3-109 ). Also, Stenger & Stenger PC are located in XXXX XXXX MI, and upon further research regarding this firm being licensed to collect a debt in Tennessee, I have found no such information. This time-barred debt from XXXX is also no longer on ANY of the 3 Credit Bureau at of XXXX XXXX, XXXX. Stenger & Stenger is trying to bully & threaten with a frivolous and unwarranted judgement upon my husband and has SHOWN absolutely No proof of the validity of the debt from XXXX. Again, this is a debt from XXXX, it is Time-Barred & 4 years past the 6 year Statue of Limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
A month ago I called Freedom Mortgage about refinancing my 30 year mortgage to make it a 15. I was recommended to just refinance my home at a 30 year loan for .5 interest rate lower at no cost. I said yes and then the next day decided no, I wanted to do a 15 year mortgage. I was communicating with the loan officer through email, so the next day I told him I changed my mind and I wanted more information on the 15 year loan. He didn't respond to my email so I emailed him again and he didn't respond. So I called Freedom mortgage to request a quote on refinancing at 15 years ... .they said they would send the information but never did. This happened 5 times, I called 5 times and talked to a person and they said they would send me a quote but never did. I even talked to management but I still have not received a quote. This has been going on for ONE MONTH. I have paid my mortgage on time for the last few years. I believe they are doing this because they know they will lose money and have no need to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XXXX XXXX, XXXX, XXXX XXXX XXXX sent a copy of an Order of Substitute of Counsel on a supposed Complaint on a supposed Judgement on a debt that is from XXXX and is now Time-Barred and well past the 6 year Statue of Limitation within Tennessee for residents. ( TCA 28-3-109 ). Also, XXXX XXXX XXXX XXXX are located in XXXX XXXX MI, and upon further research regarding this firm being licensed to collect a debt in Tennessee, I have found no such information. This time-barred debt from XXXX is also no longer on ANY of the 3 Credit Bureau at of XXXX XXXX, XXXX. XXXX XXXX XXXX is trying to bully & threaten with a frivolous and unwarranted judgement upon my husband and has SHOWN absolutely No proof of the validity of the debt from XXXX. Again, this is a debt from XXXX, it is Time-Barred & 4 years past the 6 year Statue of Limitations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have banked with chase for a very long time now and never had a fraud problem every. Im a XX/XX/XXXX XX/XX/XXXXr who had a bad time due to catchingXX/XX/XXXXXXXX I applied for a XXXX loan and was approved on XX/XX/2020. I then used money and was back in scape and better health to get my business running again. I lost my debit card the end of XXXX so I went into branch to deposit some money on XX/XX/2020 I was profiled by the telling seeing the amount of money in my account and I wasnt up to part that day. Without my knowing chase closed my account and took 19,000 from me stating I accepted the loan in a personal account instead of a business account.It was not a requirement to put it in a business account. And I also explained to them I was profiled because I had the loan over a month now and once I went into the branch my account got frozen I also spend have of the money putting into my XX/XX/XXXXand chase added my money I walked in or was direct deposited into my account in total of the loan amount and took that as well. They ask me to provide documents from taxes which I did and they told me a 1099 was good enough. Once again I explained to them Im a small business owner who applied threw my social security so I dont have a EIN. Nothing I have provided is good for them to release my money it has been over a month they took my money and now Im back in the struggling stage. I also called asked them to send it back to the lender which is XXXX and I was denied that as well I was told the money will be with chase for 2 years then released to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I applied for a refinance with Rocket Mortgage in early XX/XX/2020. I was shocked when they asked for the username and password for my bank account. I have been the victim of ID theft, as a result, I hold my private information secret and do not reveal easily. My credit info is frozen at all 3 bureaus. I reluctantly provided it and then immediately changed both to a complicated username and password. Then, I was given a loan estimate that made no sense. Not only did the math not add up but the closing costs were outrageous. I pointed this out to my broker who stated he was seeing something different on his end. He saw {$6000.00} something where I saw {$11000.00} something. I am being vague here. He told me he would send me a new estimate with the corrected numbers. The second estimate was accurate and attractive. In the meantime, this company continued to request more documents and after I had been told there would be no appraisal, all of a sudden there was to be an appraisal after all. Then a 3rd loan estimate that was more expensive than the 2nd. I asked my broker why. He reassured me he would see what he could do and I would get another estimate. I did and the 4th was even more expensive. The loan amount was higher than the previous 3! All this while, there were multiple multiple phone calls, e-mails, copying of documents and uploading and sending. Being placed on hold. This has dragged on for months. This is harder than the original home loan I applied for. Are they trying to outwait me? They are playing silly fun and games and I don't like it. They are wasting my precious time. I am XXXX. I have had several procedures done this year and I don't have this kind of time and energy. At times I have to make copies of documents at the same time I am preparing or recovering from XX/XX/XXXX and procedures. I am exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My account had a balance of XXXX. I took an XXXX XXXX, then spent XXXX at XXXX  and ordered a XXXX XXXX. This left me with XXXX. I transferred in XXXX into my Fifth Third Bank Account. They stole XXXX leaving me with a balance of XXXX. They keep stealing small increments of cash as if I don't notice. I want my XXXX back now. I have perfect math skills. Give me my XXXX back. Me and a witness watched them do it. I only used my card at 3 businesses and keep all receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I disputed a medical bill on my credit report that doesnt belong to me with XXXX  on XX/XX/01 i filed an FTC report and police report they continue to still report the collection account on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: IL

Complaint narrative:
They sent me a settlement and refused to honor.

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