vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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 have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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 have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: CIG FINANCIAL LLC
State: TX

Complaint narrative:
The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did use misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute multiple time on 4 inquiries with XXXX, XXXX and XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from the credit bureaus stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is upsetting and made me physically ill. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did use misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute multiple time on 4 inquiries with XXXX, XXXX and XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from the credit bureaus stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is upsetting and made me physically ill. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian has several contact phone numbers and they all keep a customer running relentlessly on a hamster wheel. If you are able to get a representative on the phone you are lucky. 

I have tried for two days to get someone on the phone so that they provide an extend to my unfrozen credit file but, noone ever picks up the phone and they conceeded that the phone service is wack, and that other people have complained about the hamster wheel effect. XXXX is trying to provide me with a free phone and they need access to my credit file to verify my social security number but, we have not been able to get through and are being told that there is a freeze although the system says the file is unfrozen. 

I wanted to update my personal information in my credit file and it is utterly impossible to do so on experian website. Experian Website is a NIGHTMARE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2023 three ( 3 ) blank checks with no signature was allowed too go through my account. I rarely write check but I did write a {$3.00} check to a medical merchant on XX/XX/2023. Instead three individual checks for {$100.00} dollars were sent through my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC
State: FL

Complaint narrative:
Hello, I bought a XXXX XXXX XXXX from Carvana. I am financing through XXXX XXXX XXXX XXXXXXXX. Carvana was giving my loan draft and even called my credit union to make sure the draft was okay. They told me everything was okay and I picked up the car on XX/XX/XXXX. Now my credit union is telling me the car is overpriced and they won't pay over the 125 % of the loan. Carvana is coming after me for the remainder of the loan which is almost XXXX. I have gone back and forth with both Carvana and XXXX XXXX XXXX XXXX said Carvana would take the XXXX because I have had the car since XX/XX/XXXX and now Carvana sent me an email where my credit union said I must pay the rest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, ORIGINAL CREDITOR XXXX, XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, ORIGINAL CREDITOR XXXX, XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Starting XX/XX/2023, my checking account with Chase Bank started being charged a $ XXXX  monthly service fee due to lack of funds. However, I have adequate funds in my savings account. When I contacted Chase Bank they stated they can not " link '' my savings account to my checking account. They said it was a technical issue on their end and are working on a resolution. They have refunded the service charge for XXXX, but no others, including XXXX, XXXX, and XXXX. I am out {$75.00}, with no resolution in sight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX : I spoke with my mortgagor ( Pennymac ) about scheduling a payment and the representative stated that I would be due for 3 payments. I asked how if I only missed one payment. After my conversation with the representative, I decided to investigate why I was due for 3 payments. When I discovered that in the billing statements dated XX/XX/XXXX to XX/XX/XXXX I was billed twice for that month from XXXX to XXXX. I was told that there was a shortage in my escrow account and that the original bill of XXXX would increase to XXXX. I was unaware that the mortgagor doubled my payment for XX/XX/XXXX. I did not receive any notification of default, nor did I receive any phone calls from the mortgagor debt collectors about said amount. I carried this amount from XX/XX/XXXX to XX/XX/XXXX when I missed a payment. When I spoke to a representative today about the discrepancy, they said that there was nothing they could do about it and that I now owed XXXX. This brought me to 3 months behind when I should only be one month behind. I think that my mortgagor deliberately placed this double payment into my billing statement to force a foreclose on my home and sell it off without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2021 my credit report showed an inquiry from XXXX XXXX ( XXXX & XXXX ). I am unaware of any contract with this company & there has been no permissible purpose for this inquiry made clear to me. I am requesting full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this inquiry accordingly & the remedy to the damages thereof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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:
Three accounts fraudulently opened without my authorization. Filed identify theft report as well as multiple police reports and sent to credit bureaus for removal of fraudulent information not belonging to me. They have either not responded or continued to leave incorrect information on report. Have not provided me proof that anything was investigated or verified to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: CA

Complaint narrative:
XXXX accounts fraudulently opened without my authorization. Filed identify theft report as well as multiple police reports and sent to credit bureaus for removal of fraudulent information not belonging to me. They have either not responded or continued to leave incorrect information on report. Have not provided me proof that anything was investigated or verified to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: OH

Complaint narrative:
CFPB Case XXXX Company that performed a fraudulent Hard Inquiry, XXXX, resolved the issue on their end and sent a letter to Transunion for them to resolve the issue. Transunion has failed to follow through with removing the Hard Inquiry after receiving the letter from XXXX. Attached is the letter from XXXXXXXX XXXX describing their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TX

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by XXXX  Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 


9. The inquiry was not authorizeXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

10.The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Delete this account. 

11. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

12. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 


13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: TX

Complaint narrative:
I have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I was told them I didn't have any account with them .they call me every day and they want reported me to credit office

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
From XXXX XXXX-XXXX XXXX and XXXX i was in the hospital with XXXX and XXXX complications. 
XXXX XXXX had charges of XXXX that was done fraudulently. 
With American Express i had 5 cards that had fraud from gambling sites the dates were from XX/XX/2022 through XX/XX/2022 XXXX card was XXXX, one card was XXXX, one card was XXXX, one card was XXXX and another was XXXX. American express confirmed it was fraud but someone other than me called and told American Express the charges were accurate. In which caused them to rebill me.

Company response to consumer: Closed with explanation