vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 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: NJ

Complaint narrative:
I have been a victim of identity theft. I have reported these to the bureaus but they dismissed my claims and told me to resend my documents. I've gone back and forth with them since XXXX but no results. I generated new FTC reports and I will attach them to this case. Please delete the fraudulent accounts from my credit reports asap 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: NJ

Complaint narrative:
I have been a victim of identity theft. I have reported these to the bureaus but they dismissed my claims and told me to resend my documents. I've gone back and forth with them since XXXX but no results. I generated new FTC reports and I will attach them to this case. Please delete the fraudulent accounts from my credit reports asap : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: CO

Complaint narrative:
There are multiple fraudulent and unauthorized inquiries on 2 of the credit bureaus. I sent certified letter to remove XX/XX/24 and the company refuses to 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 explanation
Consumer complaint received 2024-06-22 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: FL

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: FL

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
XX/XX/XXXX Dear CFPB, My name is XXXX XXXX and I want to dispute a hard inquiries made on my credit report XX/XX/XXXX by XXXX XXXX XXXX XXXX 
This hard inquiry was made by a car vending company called XXXX, who said that they needed to run credit checks, which counted as hard inquiries against my credit, to qualify for a car purchase. 

After I agreed and they ran the credit check, which counted as a hard inquiry on my credit report, I was informed that the car was no longer available so I chose to not work with this company and purchased another car from another company and financed it through another bank. 

As a result of XXXX misleading auto sales practices, I now have 5 hard inquiries that are significantly impacting my credit score and I would like them removed immediately. 

After reading reviews about XXXX, I discovered this agency has very questionable integrity. 

Thank you for your prompt support in removing these inquiries, so I can enjoy the comforts of a good credit score that I deserve. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a merchant charge for a service that was cancelled two months ago. I disputed via mail and send them their requested info via mail. They said they never received it so I immediately resent the info via fax, they said it was too late. I resent via fax again twice more and resubmitted the dispute form via fax. They refuse to consider the information and charge me for a service I did not receive. I tried contacting the merchant multiple times and each time they say they didn't charge me and don't know why I have a charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: CA

Complaint narrative:
My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: GA

Complaint narrative:
I contacted Transunion for the past month to correct my credit file I was told I had a mix file with information belonging to someone and that they would send it to the back office for maintenance and the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would all be removed from my file in 24 hrs as oh XXXX XXXX which its now XXXX XXXX and nothing has be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I contacted Prosper Credit Card to make a payment. The person took my payment. I asked if they can assist me with the app so I can make payments and not have to call. When the person came back to the line, he stated he had to back out of my payment because my account went to a XXXX Attorney. My account was one day late and I made a payment the prior month. He stated to contact XXXX XXXX XXXX @ XXXX. I was in disbelief and waited a few days. I called the XXXX XXXX on the following days XX/XX/XXXX, XXXX, XXXX and last time XX/XX/XXXX. Each time I spoke to a different agent and each time was told they have no record of me by name, SS # & or DOB. I contacted Prosper again each time and each time they refer me back to the XXXX XXXX that has no record of me. Each time I speak to a Prosper XXXX they see it was sent but can not tell me when, nor have they given me any notification. Of course I have not received one from the XXXX agency, because they have no record of my paperwork. As noted I first made contact on XX/XX/XXXX, tomorrow will be one month and each month shows me more delinquent as Prosper states they can not take any money from me. I told them now I just want to pay the entire amount off to rectify my credit status but am in limbo. 
Prosper put in an issue report # XXXX, on XX/XX/XXXX that was addressed to my XXXX XXXX name XXXX XXXX whom I divorced XXXX yrs ago, to which we never had a joint credit card account. I am baffled and exhausted as to what to do. I just want to make sure my credit rating is not going to be affected by this issue. 
I just checked my credit report and it list ACCOUNT STATUS-Closed XXXX then it states REMARKS - Cancelled by XXXX XXXX. States last payment made XX/XX/XXXX. 
Please help me make sense of this as Prosper is not helping. 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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/2024 my VA home loan lender attempted to pull XXXX  scores. XXXX and XXXX came through but equifax reports no credit available. I attempted to pull my XXXX bureaus score on XXXX XXXX and equifax does not report. 

XXXX I called Equifax to ask them if theres a freeze on my account they said no verified my information and told me that there were issues on the other lenders and not Equifax . My VA lender attempted to pull my credit report again on XX/XX/XXXX from XXXX different lender sites each reported that Equifax score was not available, I called Equifax back and they refused to help stating there is nothing frozen or put on hold on their end so the lenders will have to figure it out. I am unable to get a preapproval for a home loan or get any other credit at this point because Equifax is failing to report, if I log onto Equifax website, I see my information because I have a credit profile but it will not report outside of equifax.com

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
After the modification in XX/XX/2023 Select portfolio Servicing XXXX XXXX XXXX Utah has no been straightforward in regards to my escrow account information I believe they mismanaged this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: NY

Complaint narrative:
XXXX AND ASSOCIATES Opened XXXX {$120.00} XXXX XXXX XXXX Opened XXXX {$480.00} XXXX XXXX XXXX Opened XXXX {$650.00} XXXX XXXX XXXX Opened XXXX All these accounts, I haven't removed from my XXXX and they are not me. The Trans Union is still there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/year>, I sent an investigation letter via certified mail ( XXXX ) to check if the XXXX XXXX collection account on my credit report was XXXX % accurate. On XX/XX/XXXX received notification from the TransUnion credit bureau stating that the account was properly investigated and reported as accurate but how is that possible if the account name, account balance, date of last activity, and last update are all inaccurate and inconsistent across the XXXX credit agencies? These are grounds for removal. 

TransUnion also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions and consent. I have not given these accounts written permission to furnish these accounts on my credit report. 

Additionally, I requested TransUnion to furnish me with a written verification featuring my signature on an actual contract with the aforementioned collection agency and hard copy documentation that corroborates the information being reported on my credit profile, mailed to me via XXXX to which they have not. 

The appropriate action for this account is to be removed immediately from my credit report. 

Attached please find supporting documents to 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 non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/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 XXXXXX/XX/XXXX I do not recognize these queries and I ask you to please delete them as soon as possible because they greatly affect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have been loyal Chase customer for over 20 years, with multiple active accounts, I am deeply disappointed by the treatment I have received in this matter. 

On XX/XX/year>, I was defrauded when attempting to purchase tickets for a XXXX playoff game through XXXX XXXX. The individual I paid, using XXXX XXXX via my cell phone, provided fraudulent tickets. Upon arriving at the game, I discovered that the tickets were invalid. The total amount I lost in this fraudulent transaction is XXXX, I have provided police and FBI reports that attest to this. 

I promptly reported this incident to Chase and XXXX, fully expecting the bank to uphold its commitment to protect its customers from fraudulent activities. However, to my dismay, my claim was denied, and I have not been reimbursed for the funds lost due to this scam. 

To add insult to injury, my friend XXXX XXXX ( we were planning on attending the game together ) who is also a Chase customer submitted a claim as she was defrauded on the same day, for the same game, via the same manner, by the same person and her claim was APPROVED by Chase Bank. 

Considering my long-standing relationship with Chase and XXXX, the significant financial activity I maintain within my accounts, and most importantly the manner in which Chase is choosing to openly discriminate and treat customers differently that are experiencing the same set of circumstances, I believe this situation warrants a thorough evaluation. 

I hope Chase understands the detrimental effect of discrimination against customers driving reputational damage, customer attrition, legal consequences, and financial impact. 

Please investigate this matter with the urgency it deserves. I am requesting a prompt resolution and reimbursement of the amount lost in this fraudulent transaction. Should you require any additional information or documentation I am more than willing to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My debit card was fraudulently used on XX/XX/XXXX. I closed my card and account right away when i was notified by XXXX XXXX of the purchase that i didnt make. Wells Fargo initially refunded me the XXXX. I just got a notification today XX/XX/XXXX that they would be deducting the XXXX from my account on XX/XX/XXXX since the transaction went through and they didnt see any fraudulent charges. I did NOT authorize this use of my card and Wells Fargo isnt backing me from a fraud charge. I called the company and filed a complaint but they said they couldnt do anything about it since the claim was closed. They didnt provide me w any documentation of the denial. I have been a wells Fargo client for over 20 years but they dont care and are going to lose me and my money over XXXX. Im also filing w XXXX 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 2024-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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:
There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.

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