vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-24 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: CA

Complaint narrative:
Hello! 
After reviewing my credit report, I discovered an unrecognized inquiry on my TransUnion credit report from XXXX on XX/XX/2019. I contacted the company, and they were supposed to remove it. However, it has passed several months already, and the inquiry is still on my credit report. 

TransUnion credit report XX/XX/2019 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 2020-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I was trying to send money from my cash app to my bank and it wouldnt let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX student loan company reported my account to the credit bureaus ( transunion, XXXX, and XXXX  ) as deferred. The account status should have showed on time due to covid-19. No payment no interest for six months. When it was reported wrong it allowed my credit score to drop 53 points. 
Right not there are millions of others as well with the same issue with XXXX XXXX. This is unjustly, and has majorly affected my credit score because of their error.

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 2020-05-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX student loan company reported my account to the credit bureaus ( XXXX, equifax, and XXXX  ) as deferred. The account status should have showed on time due to covid-19. No payment no interest for six months. When it was reported wrong it allowed my credit score to drop 53 points. 
Right not there are millions of others as well with the same issue with XXXX XXXX. This is unjustly, and has majorly affected my credit score because of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I believe that the accounts on my credit report are not mine, they should not be a part of my credit file. The information is being reported incorrectly.

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 2020-05-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I believe that the accounts on my credit report are not mine, they should not be a part of my credit file. The information is being reported incorrectly.

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 2020-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
ON/BEFORE XX/XX/2020 I OPEN NEW SAVING/MONEY MARKET ACCOUNT WITH CHASE BANK, INCL. {$200.00} BONUS FOR NEW OPENING!! RECEIVED ATM CARD ENDING IN XXXX ON XX/XX/2020!! ON XX/XX/2020 FUNDED NEW CHASE ACCOUNT WITH XXXX FROM EXTERNAL BANK!! REJECTED!! ON XX/XX/2020, AMOUNT OF XXXX WAS REJECTED!! EX EXTERNAL BANK, ( XXXX  ) HAD SUFFICIENT AMOUNT AVAILABLE FOR TRANSFER BETWEEN CHASE & XXXX!! ON XX/XX/2020, CHASE BANK CLOSED MY ACCOUNT!! REASON FOR GIVING> WE COULD NOT IDENTIFY YOU!! AS OF TODAY, XX/XX/2020, MY ACCOUNT WITHOUT AUTHORIZATION IS CLOSED, INCL. 2 CREDIT CARD WITH CHASE BANKING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
No lawsuits have been filed. On XX/XX/2020, at or around XXXX XXXX p.s.t. I had a telephone call with Oportun to inquire about a matter. I was transferred 3+ times to various representatives. On part 2 of the telephone call with rep # 2 I asked if the call was being recorded, which the Represenative said that it in fact was being recorded. No notice was given prior by Represenative # 2 that the call was being recorded as required at the onset of each and every phone call. 

This is a violation under California Code, Penal Code - PEN 632.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: FL

Complaint narrative:
There are credit inquires on my report that I dont know about Ive contacted all of the above creditors and none of them can verify when these inquiries were made. I currently have 2 collection accounts on my credit that doesnt belong to me so there for this explains why I have all these inquiries I know nothing about. I have contacted both TransUnion and XXXX  to have these removed to no avail. I havent applied for credit since 2018.

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 2020-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My accounts with the US Dept of Education show closed ; however, a debt consolidation place indicated it is reporting late payments. In addition to that it is pulling my score down a few points from time to time.

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 2020-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Hello There! 
Earlier this year I had filed a complaint through you about my auto loan with Ally Auto XXXX. You had reported back to me that my case was closed. Unfortunately, I never received any response back from you or Ally Auto about my loan which I felt was predatorily in nature. The total interest that is being demanded by the company is more than 1/2 the cost of the vehicle. I was never notified of the outcome of this investigation. Do you have the details of this outcome? Would you be able to enlighten me on this outcome? I'll wait for your reply. Thank you so very much. 
Sincerely, XXXX XXXX Landline : XXXX XXXX XXXX Cell phone : 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 2020-05-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX  {$3300.00} - This account was successfully disputed and removed from my report. It has reappeared without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: FL

Complaint narrative:
There are credit inquires on my report that I dont know about Ive contacted all of the above creditors and none of them can verify when these inquiries were made. I currently have 2 collection accounts on my credit that doesnt belong to me so there for this explains why I have all these inquiries I know nothing about. I have contacted both XXXX  and Equifax to have these removed to no avail. I havent applied for credit since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson LLC constantly calls day and night claiming I owe XXXX XXXX over {$3000.00}. While I did get a XXXX  behind due to ID theft, I DO NOT owe them anywhere near that much as Id been paying on my computer for over 7 XXXX  years! 

I told Jefferson I would pay what I can when I can. But they call 5, 6, or more times per day every single day!!!!!! I block one number, they use another. Just in the past 2 years, Ive blocked them at least 242 times!!!!!!!!!! 
Please stop this!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: AZ

Complaint narrative:
Ever since I submitted my complaint against Experian ( XX/XX/2020 ),  they have required that I two-step verify EVERY SINGLE TIME I log in to Experian. It is extremely annoying. I do not know what category of complaint this would fall under, but in ALL the time I've been using Experian, this has never happened ( but immediately after lodging the complaint, it began and has not stopped -- even though I'm logging in from the same computer every single time ). I think this is backlash for my complaining. Actually, XXXX  did the same thing. As soon as I lodged my complaint ( it is in my complaints records ), problems began with logging in. It hasn't been resolved to this day. I would try to log in, and, despite the fact that the password was saved in my browser, it would claim I was putting the wrong password in, so it would warn me that I was running out of opportunities to log in and that the account would lock if I kept inputting the wrong password. The only way around this was to go through the process of making a new password -- and I've had to reset the password to the very same password it always has been many times and to this day I still have the same problems if I don't log in for a while. It takes a long time to fix the problem, and then the problem is never actually solved. It is draining. This has to be backlash from these companies against people for following the established protocols for complaining about 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 2020-05-24 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: NJ

Complaint narrative:
I noticed some unauthorized inquiries on my Experian Credit Report. I sent a dispute directly to the creditor 's. They received my dispute VIA USPS PRIORITY mail. And they failed to send me any proof or respond to the unauthorized inquiries. These inquiries should be deleted 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 2020-05-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent validation letters as per Section 609 FCRA. There's a debt showing that was removed from XXXX  and XXXX. I disputed the debt 3 times all coming back confirmed but yet no original signed wet ink signature anywhere only an initial which was digital. I have no recollection of this debt and sent validating letters showing it was removed from other credit bureaus for being invalid. This is my last step to resolve this before litigation is in sued. 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 explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Auto Lenders, Inc.
State: GA

Complaint narrative:
I never received a copy of the contract. This company is also reporting an inaccurate balance

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 2020-05-24 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: AZ

Complaint narrative:
Ever since I submitted my complaint against XXXX  ( XX/XX/2020 ), they have required that I two-step verify EVERY SINGLE TIME I log in to XXXX. It is extremely annoying. I do not know what category of complaint this would fall under, but in ALL the time I've been using XXXX, this has never happened ( but immediately after lodging the complaint, it began and has not stopped -- even though I'm logging in from the same computer every single time ). I think this is backlash for my complaining. Actually, Equifax  did the same thing. As soon as I lodged my complaint ( it is in my complaints records ), problems began with logging in. It hasn't been resolved to this day. I would try to log in, and, despite the fact that the password was saved in my browser, it would claim I was putting the wrong password in, so it would warn me that I was running out of opportunities to log in and that the account would lock if I kept inputting the wrong password. The only way around this was to go through the process of making a new password -- and I've had to reset the password to the very same password it always has been many times and to this day I still have the same problems if I don't log in for a while. It takes a long time to fix the problem, and then the problem is never actually solved. It is draining. This has to be backlash from these companies against people for following the established protocols for complaining about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: Netspend Corporation
State: IL

Complaint narrative:
Two whom it may concern these un-authorize transactions dated XX/XX/20 {$500.00} XX/XX/20 {$500.00} XX/XX/20 {$500.00} XX/XX/20 {$1000.00} XX/XX/20 {$2.00} XX/XX/20 {$8.00} I contacted the merchant and was told to contact my bank. 
Then I contacted my bank and reported my debit card was lost/stolen. 
The bank then initiated a dispute. 
The dispute did not work in my favor and I couldn't understand why I got ta suffer when I'm the victim here who money 's was stolen with out my authorization, and the company didn't work for me In a fair dispute.

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 2020-05-24 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: NV

Complaint narrative:
I created a free account with XXXX XXXX and I see some accounts showing on my report that I never opened

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 2020-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Porania, LLC
State: FL

Complaint narrative:
it been 7 years now since my bankruptcy chapter XXXX. discharged. its on my pubic record showing on my 3 credit  reports. filing date XXXX. reference # XXXX. us bkpt ct fl XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: NV

Complaint narrative:
I created a free account with XXXX XXXX and I see some accounts showing on my report that I never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: NV

Complaint narrative:
I created a free account with XXXX XXXX and I see some accounts showing on my report that I never opened

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 2020-05-24 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: I.C. System, Inc.
State: GA

Complaint narrative:
I sent this company a factual dispute of this peticular account. There are a few reasons I disputed this account. It is not reporting accurately because : XXXX  is showing this account as still open when collections are close-ended accounts, XXXX  failed to verify this account, the account status says not disputed when it is, there is also no date of last payment for statute-of-limitations purposes, and IC systems/ XXXX XXXX did not notify me beforehand that this collection would go on my credit report ( FDCPA section 809 ).

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 2020-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
Universal Recovery Corporation has two collection accounts on my credit report. I have sent letters asking for verification of the debt and they refuse to order it to me. I have asked them to remove the negative reporting since they can not send me proper validation of credit to me, but instead state that they have it. One account is {$6000.00} and other account is {$470.00}.

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 2020-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX owner. I have banked with Chase for 8 years. No warning, no letters, my account was closed and my money in the account frozen ... and my recurring and website batches went into this account ... on The Friday of XXXX XXXX weekend ... during Covid 19 lockdowns ... with XXXX kids in the house and staff not able to get paid. Thats not just mean ... that is disturbing and life altering. 

Im horrified that this was legal, violation is an understatement. How can they do this? I have no rights to my business money during a pandemic? 

Not customer service or branch locations are willing to talk to me and/or give me so much as a reason. 

Nobody will help? What do I do? Chase bank representatives has reached out to me. 

XXXX XXXX XXXX owner

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2020 I tried to transfer my funds from PNC bank to my new XXXX XXXX  account. XXXX uses XXXX to link bank accounts, but PNC blocked the transfer, even after multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: NE

Complaint narrative:
They are reporting a collection account in the amount of {$220.00} with XXXX XXXX. I have advised them that this is not my account several times. I have disputed this collection account several times with the credit bureau. They are still reporting this inaccurate information on my credit report. The other credit bureaus have updated my credit report and are no longer reporting this information.

Company response to consumer: Closed with explanation