vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 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: SC

Complaint narrative:
The following inquiries are fraudulent accoding to 15 U.S. Code 1681n : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: SC

Complaint narrative:
The following inquiries are fraudulent accoding to 15 U.S. Code 1681n : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-06-02 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: AL

Complaint narrative:
This is my 5th attempt to write to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report STILL showed credit inquiries that I don't recall authorizing. Not only do I have identity theft and fraud alerts set, but I have my credit locked so that I am to be contacted PRIOR to any credit authorization or credit application. I have disputed with XXXX multiple times, by phone, fax, and email, which included verifying my identity and sending proof from the credits they had no knowledge or records of me. 
I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : A. Firm Offer of Credit B. insurance C. Employment D. Court  Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my ID as proof of my identity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
I checked my credit report recently & find out multiple billing errors.

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 2023-06-02 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: IL

Complaint narrative:
I received my updated report from EXPERIAN and the results are the same, experian did not do a full investigation. Report 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 2023-06-02 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Burke Moore Law Group, LLP
State: GA

Complaint narrative:
I did not consent nor did I gain any monetary value from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023 I had two XXXX transactions on my chase account to XXXX {$250.00} and XXXX {$200.00} which I did not recognize. I called chase on XX/XX/2023 they filed a claim and gave me new log in as well as a temporary credit. Today XX/XX/2023 they reversed my credit and re refusing to fix it. Im short {$450.00} that I dont recognize please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I sent this email to the District Manager of USBank the other day. It has the whole story, in a nutshell : ATM failed to give me my money XXXX XXXX XXXX Wed, XX/XX/XXXX, XXXX ( 2 days ago ) to XXXX XXXX XXXX XXXX On Saturday, XX/XX/2023, I went to the USBank located at XXXX XXXX, XXXX XXXX  CA XXXX XXXX I have a XXXX card, and this ATM is in their network. I put in the card, I put in my PIN number, and I requested {$300.00}. The machine made the typical whirring noises as if it was going to give me money, but the door opened and shut immediately. I did not get my money, and the screen said something about the transaction not being supported, or something to that effect. I did not get a receipt, it took a bit for me to even get my card back, and the next thing I did was to try and see what my balance was. I have a receipt that shows a XXXX balance, and in reality, I have {$25.00} still left on the card. If you need to see a copy of the receipt, I can send it, but I am sure you know that ATM was {$300.00} over on that day. You also have cameras to see that I did not get any money out of it. I can also provide you with a picture of me... 

So, I made a phone appointment yesterday at XXXXXXXX XXXX, and XXXX XXXX called me, was very condescending, and told me to file a claim with XXXX. It's not their machine. It's your machine. I WANT MY MONEY. I am prepared to file a claim with the Consumer Financial Protection Bureau. I am going to give you until tomorrow to tell me that I can go to that branch and get my money on Friday of this week. If you do not, I will not only file the complaint, but I will post online in as many forums as I can, telling people that you are thieves, and to take their business elsewhere. 

Just FYI, I have been an XXXX XXXX XXXX XXXX XXXX for seven years. I have posted MANY reviews in that time. My posts have had over XXXX views. Do you really need that much bad publicity? FIX THIS. 

Waiting for your reply, XXXX XXXX XXXX ( XXXX ) XXXX ( I will be available to receive phone calls from XXXX XXXX XXXX XXXX tomorrow if you would like to discuss this and apologize to me for your equipment failure )

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 2023-06-02 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: IL

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from 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 non-monetary relief
Consumer complaint received 2023-06-02 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ASSOCIATED BANC-CORP
State: VT

Complaint narrative:
I got a loan for a used car XX/XX/XXXX from Associated Bank. I have consistently had problems making payments through their website, with checks, etc. I have made all my payments but they are showing me in arrears. Not only have I made the monthly payments I have made principal payments of XXXX in XXXX, XXXX in XXXX and XXXX in XXXX. The first time I tried to make the principal payment in XXXX of XXXX through their website they sent me a letter that my bank did not send. I don't know how that happened but made the payment a second time through their website which they finally received. XXXX 's payment I mailed a check on XX/XX/XXXX along with other checks for bills, etc. The other checks were cashed but Associated Bank called me saying I didn't make XXXX 's payment. The check was never cashed. I was told they would take XXXX payment from the XXXX principal payment I sent in XXXX. That was XX/XX/XXXX. To date, this payment has not been applied to the loan and every time I call they say it is on their end but my account online still shows behind. First it was I needed to wait 24-48 hours for it to show. It is not XX/XX/XXXX and we are well past the 24-48 hours. They also make making principal payments difficult stating that when I do that I need to call every time and tell them to apply to principal. I am NOT late on this loan nor have I ever been late on ANY loan I have ever had. It is difficult and arduous to talk to this company and when they say its taken care of why wouldn't it show on my online account. Every time I call it is a different excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had this account closed on XX/XX/XXXX was told account would be closed on XX/XX/XXXX and had to wait 30 days for my checking for my closed accounts. On XX/XX/XXXX still havent received any money on my closed accounts. Then on many different dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX call dates and many emails back and forth about getting my money and getting a corrected 1099-INT which they sent to IRS saying that I got {$100.00} in Interest on a CLOSED ACCOUNT and never even received my money from this account. 

I have tried everything and I want my money and NO ONE seems to care or be willing to help so I want to know what to do if you cant and wont help me then guess I will see what legal action I have to take now against since no one cares since its not their money or concern. I saved all of the emails but not ONCE did anyone call or respond to any of my questions and concerns except for the standard automated replies. I do have some references/ticket numbers that I demanded to help track my calls and requests. 
I want MY MONEY AND CORRECTED 1099-INT FROM CHIME BANK ( THE XXXX XXXX XXXX XXXX Im not going to pay taxes on money that I still havent received and NEVER GOT THE INTEREST ON CLOSED ACCOUNT OR THE MONEY!!! Isnt this against the the law to not correct and withhold someones money. 

I need to know what my next step is and if I have to get a LAWYER I WILL AND I WILL MAKE SURE SOMEONE ELSE WILL END UP PAYING FOR THE LAWYER AND COURT COSTS TOO AND IF I NEED TO GET THE NEWS AND ANYONE ELSE THAT WILL LISTEN TO REPORT THIS. I wonder how many other people they are doing this to and if Im the only one that is definitely not fair either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
Good day! 

I received a letter 2 days ago about a debt collection from a law firm name " KENOSIAN & MIELE, LLP '' saying I owed {$8800.00} from their client XXXX XXXX XXXX XXXX. From the letter its saying Original Creditor is with XXXX XXXX. 

They are asking me to call them within 10 days to settle the balance that I do not owed otherwise they will be forced to send me a court order or legal action. 

First of all, I never had an account with XXXX XXXX. 
Second, The letter doesnt look legit, its just a piece of paper without any seal or anything on it. So Im thinking it could be a scam or phishing. 

I attached the letter on this report for your reference. 

Please help me report this and figure out whats the best action towards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX, social XXXX. My current address is XXXX XXXX XXXX XXXX XXXX IL XXXX My previous address is XXXX XXXX XXXX XXXX GA XXXX My current phone number is XXXX XXXX XXXX Below is incorrect info on my credit report. I have already contacted this credit bureau concerning this. Per FCRA I am requesting my reports to be corrected. The following information is incorrect and needs to be deleted. 

Inquiry : XXXX XXXX XX/XX/23 ( identity theft report and police report submitted months ago ) Addresses : 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 Account : XXXX {$1200.00} charge off ( identity theft report and police report submitted months ago )

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 2023-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I bought a used XXXX XXXX XXXX  from XXXX XXXX Auto for {$16000.00}. Credit Acceptance was the only lender I could get an approval from. I paid {$1000.00} down. When I looked at my account online, I noticedI was charged {$37000.00}. After looking through the papers the dealership rushed me through, I found that Credit Acceptance charged me {$17000.00} as a finance charge. The finance charge is more than the purchase price of the car. Credit Acceptance refuses to do anything. But if I am a day late their reps call me non-stop all day long. It is so bad I have my phone on silent at all times.

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 2023-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
XXXX 2023 Notice from XXXX XXXX that taxes were not paid and lien would be filed XX/XX/2023 Contacted SLSXXXX  - They opened a case to research Was told it would take 10 days, Multiple calls to find out what happened and what was being done One gentleman figured out the issue ( incorrect parcel number ) Even knowing the issue and the solution they would do nothing until research request was completed. 
XX/XX/2023 we paid the taxes to prevent a lien from being filed XX/XX/2023 - provided SLS with proof we paid the taxes After 30 days research was finally finished and they determined parcel # issue XX/XX/2023 they sold the loan to XXXX XXXXk XX/XX/2023 they cut a check for the penalties but sent it to XXXX instead of me At this point I'm still out ~ {$7000.00} XX/XX/2023 we sent a letter requesting information who was at fault XX/XX/2023 finally received a letter from XXXX XXXXSLS confirming mistake but not willing to compensate me for the {$7000.00} that I have not had for over 75 days. 
Requested Escrow Analysis from XXXX in XXXX Received a refund check for " {$7000.00} on XX/XX/XXXX SLS has not updated the credit bureaus so our reports are showing that we have XXXX {$380000.00} loans outstanding. One at SLS and one at XXXX. 

I have hours of recorded phone conversations and emails documenting this entire mess.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry

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 2023-06-02 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: World Omni Financial Corp.
State: NC

Complaint narrative:
Southeast toyota Finance has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. 
I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX highlander. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than 2 late payments. I was never 30 or 60 days late. 
How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for 20 mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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.

Company response to consumer: Closed with non-monetary relief