vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 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: PA

Complaint narrative:
these companies reported me late and I wasnt late. I was sick with XXXX. I called them I need them to honor please and update to never late XXXX - XXXX - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$190.00} 2 of 2 XXXX  - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$50.00}

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 2020-06-26 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: PA

Complaint narrative:
these companies reported me late and I wasnt late. I was sick with XXXX. I called them I need them to honor please and update to never late XXXX - XXXX - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$190.00} 2 of 2 XXXX  - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CA

Complaint narrative:
I am filing this report because there are three accounts on my credit report that are not mine ; The only reason I was made aware of these accounts is because I got my credit ran at XXXX XXXX XXXX XXXX since I'm trying to get a loan. The account names are XXXX XXXX for {$34000.00}, XXXX XXXX XXXX for {$12000.00} & XXXX XXXX XXXX for {$30000.00}. None of those accounts belong to me nor do I have any written or verbal contract with these companies and I never gave them permission to run or access my credit/personal information. I don't know who opened these accounts in my name without my permission but I already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I take part in any purchases or payments made towards these debts.

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 2020-06-26 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:
I am filing this report because there are three accounts on my credit report that are not mine ; The only reason I was made aware of these accounts is because I got my credit ran at XXXX XXXX XXXX XXXX since I'm trying to get a loan. The account names are XXXX XXXX  for {$34000.00}, XXXX XXXX XXXX for {$12000.00} & XXXX XXXX XXXX for {$30000.00}. None of those accounts belong to me nor do I have any written or verbal contract with these companies and I never gave them permission to run or access my credit/personal information. I don't know who opened these accounts in my name without my permission but I already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I take part in any purchases or payments made towards these debts.

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 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
I had XXXX despoits into my cash app they locked my account wont let me use it or take money out they said someone was trying to take money out and no one try to take money from my account they locked my account and I can not use my money I need my money on my account they wont let me use my money on my cash app I really need my money from my account on cash app my number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: MO

Complaint narrative:
Transunion, XXXX and XXXX  are falsely reporting incorrect information on my personal credit reports. There's a list of inquiries on my credit report that was never authorized by me. These inquiries listed below was executed without my consent or knowledge. 

XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX Transunion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2020-06-26 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: MO

Complaint narrative:
XXXX, Equifax and XXXX  are falsely reporting incorrect information on my personal credit reports. There's a list of inquiries on my credit report that was never authorized by me. These inquiries listed below was executed without my consent or knowledge. 

XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA 1099-C ( Account ( 4 ) XXXX ) CANCELLATION OF DEBT ( Closed XX/XX/XXXX ) credit limit {$15000.00} CANCELED DEBT {$9600.00}. See attatched XXXX   Credit Report " VERIFIED '' by USAA. USAA FRAUDULENTLY CHANGED ACCOUNT NUMBER TO Account. ( 5 ) XXXX Reported Sold Reported Date Closed XX/XX/XXXX Kindly Note credit Limit {$15000.00}. USAA REPORTS INFORMATION CHANGING ACCOUNT NUMBERS??? Kindly Note THIS ( ACCOUNT IS ( 4 ) XXXX ) credit limit {$3000.00} Opened XX/XX/XXXX?? How did the Cancelled Debt Account become a new Fraudulent Account to charge off?? DECEPTIVE UNFAIR FRAUDULENT CREDIT REPORTING

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: NY

Complaint narrative:
incorrect and fraudulent information reporting 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 2020-06-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just reviewed my credit report and noticed several inquires that i did not authorize and it has caused my credit scores to drop big 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 2020-06-26 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: NY

Complaint narrative:
incorrect and fraudulent information reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: NY

Complaint narrative:
incorrect and fraudulent information reporting 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 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for the forebearance offered during covid but changed my mind and. An XXXX it 2 days later as I heard it went against your credit. 
I am on auto pay monthly. 
I asked to be put back on auto pay. 
Instead I was not and I keep getting double payments. I be called 4 times to fix this and its not fixed. Supervisor does not call back. 
On top of it they have put a not on my stellar credit report which they need to take off as Im now refinancing. 
BofA have been totally incompetent And I can not get this fixed.

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 2020-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: IL

Complaint narrative:
On XX/XX/2020 I received a bill from Choice Recovery , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX claiming that i had a past due debt of {$75.00} from XXXX XXXX XXXX. I called Dr XXXX to ask him about the alleged debt because I had never received a bill from him and there was no record of XXXX or XXXX processing any claim for services rendered. He referred me to his billing person who confirmed that I did not owe them any money. He also said that the doctor did not have a relationship with Choice Recovery , Inc . I wrote a letter to Choice Recovery on XX/XX/2020 disputing the bill under the Fair Debt Collection Practices Act. On XX/XX/2020 I received three letters from Choice Recovery claiming falsely that they had verified my debt with the doctor. I again called the doctor 's billing department who told me that this was false, that they had no relationship with Choice Recovery. So the second attempt to collect this debt can only be a scam in my opinion.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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 just reviewed my credit report and noticed several inquires that i did not authorize and it has caused my credit scores to drop big 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 2020-06-26 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 just reviewed my credit report and noticed several inquires that i did not authorize and it has caused my credit scores to drop big time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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:
I noticed on my credit report that I had a couple fraudulent accounts on my credit report, I submitted a complaint here on this site, yet Experian claims that it wasn't me whos sent the information so they are not going to block the fraudulent items. How can I prove to Experian that it Is really me who submitted this complaint? Why are they not blocking these fraudulent 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 2020-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XXXX XXXX, my husband and I applied for a mortgage loan through Navy federal. After submitted the application, the following day I called to check the status. The agents advised me that is a long wait right now and she will try to get the person that are handling our applications to call us. Later that day I saw our application statuss changed from processing to sent to underwriting. Then it change again from underwriting to denied. I called to understand why! They advised me someone will reach out to me. Two day I received a call from someone who stated I was denied because we have delinquent and judgement on our account. I try to explain to her that I have paperwork showings its an error and we have identity fraud occurs on my husband account. They didnt care. Our credit payment history stated we pay on time 98 % this is the second time Navy Federal denied us for the same thing. We tried to increase our credit card and the only increase but {$300.00}. We email them asking why they didnt pull our credit report. they said because they didnt need to. We requested them to pull our report and mins later we was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX I made a purchase with my Chase Credit card that I was not happy with, I attempted to resolve the issue with the merchant 3 times requesting an exchange before contacting Chase to start a dispute on XX/XX/2020. My call was made on XX/XX/2020 at XXXX. I was told during the call that Chase would not file a dispute since I still had the original items purchased with the card. ( What a catch-22, I want an exchange, but can't get an exchange and can't file a dispute because I couldn't get an exchange ) I was also told I couldn't file a dispute because the phrase " We reserve the right to limit guarantee at our discretion '' was included in their return policy. So basically if you bank with Chase you can get scammed as long as you tell people your guarantee can be limited based on discretion. I was on the phone for 25 minutes while the call cut in and out and eventually asked to speak to a supervisor since I have been though the dispute process with other banking institutions before and was familiar with the process and had in my mind followed procedure before being left with the dispute process as a last resort. I was put on hold to wait for a supervisor. The supervisor arrived, and then immediately hung up. I am in complete disbelieve that Chase would so brazenly deny American consumers the a ) the ability to dispute a credit card charge and b ) the ability to speak to someone about possible resolutions. I wasn't even trying to refund a whole charge, it was a partial dispute of a receipt for a single item on the receipt so it was obvious that it was a well intended dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened up my account with chase on XX/XX/2020. I signed up online and selected to have my promotional {$200.00} coupon to be added automatically while creating my account. on XX/XX/2020 I called to ask why I hadn't received the promotion and they told me it was not on the account. I was informed there was nothing they could duo. I remember the coupon code was automatically generated prior to me enrolling so I know it was an error on there end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was sent money on Zelle. I went to update my debit card and the ap showed error. I was not able to refund the money or transfer or send the money ; it showed an error. I tried to transfer the money to a new Zelle account with the same number and email after speaking to banker who spoke to Zelle representatives and my own Zelle representatives and the funds were said to have been deposited. I checked all my banking institutions and texts and banking statements and no funds have been deposited to any of my accounts. I started a new bank account that is affiliated with Zelle solely to rectify this issue and they refuse to refund their users ; my clients their money because I deleted my account upon their suggestion moments prior although I have submitted them transaction numbers of the Zelle customers and confirmed that I never received a deposit- they want the Zelle customers to contact their banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CA

Complaint narrative:
I noticed on my credit report that I had a couple fraudulent accounts on my credit report, I submitted a complaint here on this site, yet XX/XX/XXXX claims that it wasn't me whos sent the information so they are not going to block the fraudulent items. How can I prove to XX/XX/XXXXthat it Is really me who submitted this complaint? Why are they not blocking these fraudulent 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 2020-06-26 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:
I noticed on my credit report that I had a couple fraudulent accounts on my credit report, I submitted a complaint here on this site, yet XXXX   claims that it wasn't me whos sent the information so they are not going to block the fraudulent items. How can I prove to XXXX that it Is really me who submitted this complaint? Why are they not blocking these fraudulent accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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:
In 2013 my father suffered a XXXX  XXXX  and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with the companys listed in the Attached FTC 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