vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 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: OH

Complaint narrative:
I went on XXXX XXXX to check my credit score on Tuesday, XX/XX/2023, because I have to keep an eye on it and see how it's doing every couple months. I have no loans, credit cards or any kind of obligations other than utilities or doctors visits and I will not take anything on credit ever again if I can help it. I just completed a XXXX  XXXX in XX/XX/2023. That being said, I have been receiving an astronomical amount of mail with offers from car dealerships, credit card companies and loan officers with their hopes of my acceptance. I just throw them in the trash. 

On XXXX XXXX today I noticed there was 1 hard inquiry where there were none before, mind you I have applied for nothing in almost 2 years or more. The site has changed some and I couldn't click directly on it so I tried another way and it looked like it was XXXX  XXXX, which is XXXX of the biggest harassers I have. So, this begs the question, did XXXX XXXX do an inquiry without my consent? or Did someone else dig one of they're mailings addressed to me out of the trash and apply in my name?

Fraud? vs Scam? I would sure appreciate someone looking into this for me. I just cleaned everything up on my credit report and want to keep it that way. I would like that inquiry mark removed because it wasn't me.

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
In XXXX with the fair credit reporting act XXXX XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit pan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
I received notification on my credit report regarding collections from XXXX XXXX XXXX XXXX XXXX # XXXX, with its original creditor XXXX XXXX. Ive never visited XXXX, nor its medical facilities. The collection date opened is XX/XX/2022, with a balance of {$1000.00}. 

Im requesting that the collections are removed from my account because it isnt mines.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-15 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: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-15 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: AZ

Complaint narrative:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXXd upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2023-08-15 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: AZ

Complaint narrative:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WA

Complaint narrative:
I have been attempting to have this issue resolved for XXXX DAYS now but Chime 's customer support is absolutely atrocious. I have talked to chat support and they told me they couldn't do anything. I emailed and then the case was closed immediately. I emailed again and someone finally got back to me and said " she would look into it '' and then ghosted me ... Then I have had XXXX people in the last week tell me " someone will be in touch shortly '' but every time someone from Chime says that, I get lost in the system and have no follow up. 

So, here is the issue. 

I made my first ever cash deposit with Chime at XXXX XXXX in XXXX, WA on XX/XX/23 in the amount of {$230.00}. I gave the cashier the barcode that my Chime app gave me for depositing, she scanned it and rang the sale through, and gave me the receipt with a number associated with the transaction in case there were any issues. The receipt states it takes up to 24 hours for the funds to appear in your account and Chime 's phone system said XXXX minutes - XXXX hours. 

It has now been XXXX days and the {$230.00} has not been posted to my account. The receipt that XXXX XXXX gave me states it went to a card ending in XXXX, but my cards end in XXXX ( credit ) and XXXX ( debit ). 

The merchant was XXXX XXXX, store number XXXX, address XXXX XXXX XXXX XXXX in XXXX, WA XXXX. The transaction ID number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report 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 2023-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
My mortgage was sold several times and ended up being serviced by US Bank. Overall, the experience has been fine, but I want to pay my home insurance and property taxes directly instead of having them escrowed to have control of my cash flow and realize the interest on the money over the year. I contacted US Bank and they want to charge a fee over {$600.00} just so I can my bills myself. I think this is incredibly unfair especially as I never agreed to their terms and have been forced into them servicing my loan. All I want to do is stop having them escrow by taxes and property insurance premiums.

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 2023-08-15 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: TN

Complaint narrative:
In XXXX, XXXX, I became aware of a delingquency that was shown on the XXXX credit card account. I contacted the credit union and discussed the issue. I had not received a statement, nor did I receive a notice that the payment was late. They looked into the issue and found that they sent the statement and notices to an address that we had lived at 10 years earlier. They had no explanation as to why that occurred. I immediately paid the outstanding amount. They agreed that the problem was due to their error and sent notices to each of the reporting agencies telling them the problem was on their end and the past due indication should be removed. The other reporting agencies changed the report, but TransUnion did not. I've filed multiple disputes with TransUnion with no results. I again spoke to the credit union representive and she assured me they sent the change to TransUnion. She again said she would send another one which has also been ignored. She also indicated that this is not abnormal for TransUnion. When she has a problem with a reporting agency, it is them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I was intending to cash a payroll check that was issued by HSBC, the teller told me that I would need to deposit the check in an account because it was too large. So I indicated that I would like to open a checking account then. He looked at me in utter disgust, proceeded to hand me the check back and said " you need {$40000.00} dollars to open an account here '' I never felt so low, nor have I ever experience and form of XXXX. I left at first and then check the terms of opening an account and this man excluded two other options for opening and maintaining an account and one of them was maintaining a monthly balance that was less than the check I wanted to deposit. When I called customer service they confirmed that what I was told was incorrect and asked me the persons name, apologized and said that they do not tolerate that at HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update 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 non-monetary relief
Consumer complaint received 2023-08-15 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: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I submitted disputes for student loan accounts that are reported on my credit report, but were discharged due to fraud by the school. The student loans are federal student loans that were discharged. All of these disputes went over the 30 days from time of receipt and I can also provide a screen shot of delivery from XXXX of when the letters were delivered. I am also including aidvantage in this due to the information not being removed from my credit report per documentation from them and also from studentaid.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: CORELOGIC INC
State: MD

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to CREDCO. In my credit report from XX/XX/2023, I found unauthorized inquiries that I was not aware of, according to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and I want my credit report to be accurate.

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 2023-08-15 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: TX

Complaint narrative:
THEY CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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:
There is a closed XXXX account I never had before attached to an address Ive never live before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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:
I notified the credit reporting companies that the information on my report was inaccurate and asked them to correct it. However, over 1 year later and only XXXX credit reporting agency removed the accounts from my report. The accounts are collections accounts and they are not mine. I have asked the company to provide proof of ownership put they can only provide me with a statement from another company, which is not them. I do not owe the debt, pursuant to 18 USC 8. This company is violating my consumer right to privacy, 15 USC 1682. 1b.

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 2023-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Zions Debt Holdings
State: GA

Complaint narrative:
I'm writing in regard to Zions Debt Holdings, LLC. I was on a call with an agent on XX/XX/XXXX where the agent promised me a settlement amount of {$300.00}. I called back today XX/XX/XXXX to pay the agreed upon amount and was told there was no record of that information. After management pulled the recorded call from XXXX, they were able to verify this was the information given to me, but instead said that they had " mistaken my account with someone else 's '' even though verifying information is required before continuing a call with them. When I asked for a copy of this call, they refused, and the general manager XXXX XXXX stated that he " doesn't care how many times I request it '' he " will never give it to me. '' I asked for the supervisor ahead of him and he refused to provide me with any contact information. When I was dissatisfied with the service and tried to explain to him that I submitted supporting documents confirming my account with the original creditor was closed in XXXX, XXXX told me that " excuses are like XXXX '' and that I should " take some responsibility in your life and pay the amount. '' In reference to the cancellation, I provided an email correspondence between the original creditor and I where I requested the service to be cancelled and TWO messages confirming the receipt of my cancellation request. To my knowledge, the requests confirmed my account cancellation, but XXXX alleges that if the original creditor made a mistake after sending me confirmation, I am still responsible for the bill. I still offered to pay the {$300.00} to just remove this from my records but XXXX let me know that the " {$300.00} doesn't go in his pocket '' and that he " doesn't care '' and still insists I pay the entire amount. XXXX also informed me there was no way I could get in touch with the supervisor, owner, or anyone further and advised me to give up and pay.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received notification on the morning of XX/XX/15 that both my checking and savings accounts were restricted, supposedly for my protection. There was no notice or warning given prior to this. The language appears to make it sound like suspicious activity was occuring which resulted in the restriction and automatic closing of the accounts but not warning was given. I was not contacted at all until the notice which came the day the restrictions went in place leaving me with no access to my funds. When I called, I spoke to reps from multiple departments and no one could tell me why the restrictions were in place, they confirmed that there was no way for me to access my funds, and I would receive a check for the funds after the account closing process ( which was not initiated by me, but by the bank ) completed in XXXX business days. 

It is unacceptable that the bank can just freeze my funds, provide absolutely no explanation, and tell me I will just have to wait XXXX weeks plus however long it takes for the check to come in the mail for me to have any access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: MI

Complaint narrative:
I am currently in the process of renovating my home. I wanted to take out a loan but I checked my credit report before doing so. I noticed some items listed on my credit report that I never gave consent to. 

On XXXX XXXX my credit was ran without my knowledge or consent by XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: FL

Complaint narrative:
I would like to bring to your attention that the reported charge-off status and the manner in which it has been presented on my consumer report are inconsistent with the guidelines outlined in 15 USC 1681eb . According to the Internal Revenue Service ( IRS ), a charge-off is classified as ordinary income and should not be reported on a consumer report. Additionally, I have not received a 1099-C form, which further indicates an inaccuracy in the reporting and constitutes a violation of 15 USC 1681eb .

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