vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/XXXX I sent a certified mail return receipt letter to both XXXX  and XXXX  pursuant to my consumer rights listed in the Fair Credit Reporting Act. I have called and used mobile apps to submit disputes to no avail and my consumer rights were violated. Per the Fair Credit Reporting Act 15 USC 1681a ( 4 ) the consumer has a right to privacy and both XXXX  and XXXX  have violated that right. Written consent was not given to either company to harness my personal identifying information which includes my credit card account ( social security ). XXXX  and XXXX  are not government agencies and have a grave responsibility to the fairness, equity, and respect to a consumer. Also, per the Fair Credit Reporting Act, 15 USC 1681a. ( 2 ). ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; shall be excluded from the consumer report. Both XXXX  and XXXX  are in violation of 15 USC 1681a. ( 2 ). ( b ) for having these extensions of credit listed on a consumer report. To further attached to this complaint are my written instructions as they pertain to me, the consumer, pursuant to 15 USC 1681b. ( 2 ). To further all items listed on the consumer report for me, XXXX XXXX, stated that the companies are the creditors which is false and misleading as I am the creditor per the Fair Debt Collections Practices Act. I demand all of my information be removed from the systems of both XXXX  and XXXX. Lastly when I submitted a request for deletion before the account was returned as verified. Per the Fair Credit Reporting Act who was interviewed to verify any first hand knowledge of accounts.

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 2021-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have an unauthorized inquiry from XXXX  XXXX on my credit file.

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 2021-08-07 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: LA

Complaint narrative:
I have an unauthorized inquiry from XXXX  XXXX on my credit file.

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: CBC Companies, Inc.
State: LA

Complaint narrative:
I have two inquiries from factual data on back to back dates, XX/XX/2020 and XXXX XXXX they werent authorized by me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, JP Chase bank sent me a mail notifying that they would close all my credit card and checking accounts on XX/XX/XXXX. Until XX/XX/XXXX I did not believe that was happening. I have had checking and credit card with Chase over 10 years. In XX/XX/XXXX I even refinanced my mortgage with them. I have never failed to make payments either to my credit card or mortgage ( even when I was out of work in XXXX ). This came as a shock to me, as I have always been diligent with my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report, Its been far over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have an unauthorized inquiry from capital one on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX. The check was cashed for {$740.00} and was written for {$140.00}. XXXX XXXX XXXX made an era by not looking at the written part where you put in the dollar amount but assuming it was {$740.00} by looking at the number that was written in the box The check was sent back first as an overdraft and I contacted U.S. Bank and advised them not to redeposit that check because we went in-person to pay File for Me and paid the client the {$140.00} we owed her because we didn't think the check was going to be resubmitted and it was resubmitted on the XXXX and credited to our account and resubmitted on XX/XX/XXXX as completed as a debit on XX/XX/2021 causing our account to go into negative and enormous overdraft fees. We have been contacting U.S Bank by phone and in person and they keep telling us that the other bankers at U.S Bank made a mistaken filing the claim and we have to open up a new investigation to get you provisional credit and it takes up to 10 days and this is the XXXX time different bankers telling the same old story. We have been waiting for over a month and still the [ problem hasn't been solved causing us some much inconvenience and hardship. Attached is the evidence of the transaction. 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 monetary relief
Consumer complaint received 2021-08-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have an account on my credit file from XXXX XXXX XXXXXXXX. This account isnt mine and under the FDCPA this a violation of my rites.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have two items on my credit reports from XXXXXXXX XXXX XXXX. The dates are XXXX XXXX and XXXX XXXX. These accounts arent mine and according the FDCPA this a violations of my rites.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF INQURIES 
ON MY REPORT. THE COMPANY IS IN VIOLATION OF:
15 USC 1681 (a)(k)(iii)
15 USC 1681 (b)
15 USC 1681 (b)(a)(2)
15 USC 1681 (2)(a)
15 USC 1681 (c)(2)

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: JDJ Investments, INC.
State: LA

Complaint narrative:
I have an account on my credit file from credit bureau services. This account isnt mine and under the FDCPA this a violation of my rites.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
{$870.00} amount has been posted by XXXXXXXX XXXX XXXX Visa Card since XXXX as a debt owed to Company. Twice I have responded to the company and all three Credit Bureaus and was resolved due to identity theft on my report. It was deleted from my report in XXXX after filling a complaint. I have also spoke with the collection agency on several occasions about this continued problem which seems to never go away. This Company continue to use a different agency from XXXX XXXX on many occasions to update balance by reporting it as a current active account which I have never sent any payment or acknowledge any debt by me. I am constantly appalled by their different tactics used to sabotage my credit report even after declining the existence of any relationships with the company. 
Their blatant and irresponsible behavior continued to affect my score and rating anytime this reporting occurred or when I am trying to obtain a loan or services for my family that this account showed up on my credit reporting as current debt. 
As of XX/XX/XXXX, it was reported or posted again as a delinquent account until XXXX, XXXX. What else do I need to do with this company for them to continue to harass me and my family. Never conducted business with this company and do not know or have any legal or binding contract with them, neither did I signed any financial document nor agreed to do business with them in XXXX. This is not funny anymore!! 
I like this removed from my credit report permanently and not when it is convenient for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF INQURIES 
ON MY REPORT. THE COMPANY IS IN VIOLATION OF:
15 USC 1681 (a)(k)(iii)
15 USC 1681 (b)
15 USC 1681 (b)(a)(2)
15 USC 1681 (2)(a)
15 USC 1681 (c)(2)

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 2021-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I sent wire to coinbase for {$1500.00} on XX/XX/2021 as per policy this will reflect to my a/c in 1 day they are ignoring email ticket # XXXX please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a XXXX card and Lowes card backed by Synchrony Bank in XXXX and XXXX and shortly after I received the card or before I received the card in the mail, they had already closed my account for being high risk according to their system. No one in customer service or escalations to management are willing to help and just send template response emails and tell you to wait for a letter in the mail. The problem is, this company has by then hit my credit with hard inquiries which hurts my ability to obtain any new credit, hurts my score and also puts maxed out trade lines on my credit report which also hurts my total utilization and further hurts my credit score because I no longer get credit for the available credit limits to offset the initial purchase balance and they entice you to apply for special one time discounts at the point of sale at the retailer. They already ran my credit and assessed using a live analyst my credit worthiness and eligibility and then approved my application. If I was a high risk of default to them, which most people that are new to their bank would be as they have no data to suggest guarantee of repayment, they should not have credit qualified and approved my application to begin with. They are hurting peoples credit scores and adversely affecting the terms being offered on subsequent credit accounts because of the negative factors including the hard inquires, the maxed out trade line balance without reporting the available credit as the account is closed, the trade line reports to other credit agencies closed by company which to a human underwriter could be perceived as negative when considering other types of consumer finance accounts. This practice is unfair and deceptive and something needs to be addressed to protect consumers. You either qualify for a loan or credit card, or you do not there is no in-between this is wrong and borderline fraudulent and could be a method they are using like XXXX XXXX to pad their new account opening numbers to raise their numbers for their shareholders and also could be used to incentivize managers and regional managers in areas where credit card account opening execution is part of a pay plan or bonus plan for their employees and retail partner managers. It is wrong.

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 2021-08-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: U.S. BANCORP
State: CO

Complaint narrative:
I filed a complaint because I can not activate my US Bank ReliaCard and access any of my funds for which I have filed a dispute on because I was robbed or lost my cards a few weeks back and finally now I have a new card but they want me to send you guys a copy of me with my ID I was able to find my paper ID with the barcode and a clear picture of my name and my last address but because of all of this confusion I have been XXXX  so I'm hoping that the photos I'm sending you right now will work for verification process of who I am and would just like to access my funds that were taken from me and also I have already completed the ID me verification process through Colorado labor and employment services so that should be a form of my identity through US Bank ReliaCard as well because I have already been dealing with fraud for over a year now

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 2021-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
i applied for my XXXX XXXX mortgage modification. Mr. Cooper only allowed thier standard modification. I can not afford this, and i have the right to be considered for the XXXX XXXX modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was given a loan on my home that had accelerated interest attached to it. It was given as a commercial loan, This was not true. This is/was my home.

The interest rate is illegal in California.

They have added over XXXX to my loan causing me to go into foreclosure. HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was going to file a chapter XXXX and I could not continue it because of how much everything was going to cost. Ive ask the credit bureaus to take this information off my credit report, because the chapter XXXX did not take place. Im not in a chapter XXXX and by them reporting this, it is making me unable to get employment and any other credit. Im not in a bankruptcy, yet they are still reporting that Im am. It stated that it was dismissed. Even with that information, this should not be on my credit report.

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 2021-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NV

Complaint narrative:
i have tried to explain the account is not mine and that the phones was traded to XXXX for a promotion to buy the phones and pay off the fee to cancel phone service. The balance is XXXX responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was going to file a chapter XXXX and I could not continue it because of how much everything was going to cost. Ive ask the credit bureaus to take this information off my credit report, because the chapter XXXX did not take place. Im not in a chapter XXXX and by them reporting this, it is making me unable to get employment and any other credit. Im not in a bankruptcy, yet they are still reporting that Im am. It stated that it was dismissed. Even with that information, this should not be on my credit report.

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was going to file a chapter XXXX and I could not continue it because of how much everything was going to cost. Ive ask the credit bureaus to take this information off my credit report, because the chapter XXXX did not take place. Im not in a chapter XXXX and by them reporting this, it is making me unable to get employment and any other credit. Im not in a bankruptcy, yet they are still reporting that Im am. It stated that it was dismissed. Even with that information, this should not be on my credit report.

Company response to consumer: Closed with explanation