vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 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: EQUIFAX, INC.
State: CA

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. 
1 ) XXXX  XXXX BANK, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX BANK ; 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 XXXX 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
Consumer complaint received 2023-05-15 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: NY

Complaint narrative:
Took out a car loan from XXXX XXXX XXXX. 
It was a XXXX  month loan. 
I paid it off in XXXX  months They reported a " late payment ''. 
I NEVER missed a monthly payment

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 2023-05-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX To whom this may concern, After recently reviewing my consumer report, I noticed UNAUTHORIZED credit inquiries on my consumer report. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me am updated copy of my consumer report. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I invested a large amount of money at coinbase on XXXX from XXXX. When I went to sell my stock, I could not find the sell icon. I reached out to coinbase on XX/XX/23, and its assistance told me my stock was staked which I didn't know what that meant. I also told this person I never authorized it, she said it was done automatically. She walked me through unstaking the item but the system told me it would take up to 23 days to clear so I can sell XXXX stock, and she assured me in 48 hours it would clear. 23 days has come and gone and my investment is no where to be found. The company keeps telling me they are aware of the issue and are working to resolve it, but I think they are not being truthful about my investment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15 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: TX

Complaint narrative:
XXXX, XXXX, TRANSUNION IS Obligated by the FCRA to report accurate accounting. Consumer has advised All the accounts, all the inquiries reported was fraud. Said companies had 4 days according to LAW to remove such items. and block from being on the report while conducting an investigation. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX. XXXX. TRANSUNION TO provide the documentation used to determine these accounts and inquiries was indeed authorized by the consumer. XXXX. XXXX. TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-Oscar 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 2023-05-15 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: CA

Complaint narrative:
On XX/XX/XXXX of 2022, someone tried opening an account with XXXX XXXXXXXX XXXX  using my social security number from a XXXX XXXX address. I was able to cancel that application, however, the bank did little to help me afterwards. Then, on XX/XX/XXXX of this year, someone from XXXX tried using my social security number to open another account. Its left me with hard inquiries that I have been unable to remove. I have frozen my credit with all 3 bureaus and I need help getting a letter from the company saying that I did not authorize either of these accounts. I want to get my inquiries removed.

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 2023-05-15 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: IL

Complaint narrative:
I am very disturbed to find public records on my credit report without any apparent reason,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I sent an email with an attached letter from my city assessor office. The letter showed previous owners were tax exempt. The letter stated that tax exemption was being removed/transferred. After receiving my email my monthly payment decreased to {$940.00}. 
The change in my payment has caused a negative balance in my escrow because Loancare had me listed as tax exempt, but I am not. This mistake was discovered in XXXX of XXXX causing my payment to suddenly increase to {$1800.00}. I called and spoke to many, many supervisors and representatives. I was advised to continue paying the {$940.00}. An investigation was opened that took several months while my account was showing delinquent because the system required the increased amount. I was advised that my payments would be held in a holding account until the total increased amount is collected then applied as one payment. 
XXXX happened while the investigation was still undergo. Therefore, I was able apply for a forbearance while waiting. My payment history will show that I have continued to makepay ments each month sometimes twice a month whatever I can afford. Unfortunately, because my account was already delinquent before the forbearance this mistake has negatively impacted my credit score severely. Loancare has reported to all my credit bureaus non-payments and delinquencies. I have tried to work with Loancare, I sent a complaint in to the XXXX and we had a mediation in which XXXX XXXX XXXX agreed to update credit reporting. I recieved a letter from their office stating that credit reporting is correct. I have supporting documents that I sent to Loancare years ago about changing my tax status.

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 2023-05-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMCB AUTO FINANCE ... I Never contact with them they put hard enquiry on my report XX/XX/2022 FOR CAR LOAN ENQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: Diversified Adjustment Service, Inc.
State: NV

Complaint narrative:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

DIVERSIFIED ADJUSTMENT ( XXXX  ) Account # XXXX U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2023 I sent out a dispute letter to Experian disputing multiple items that I had discovered on my credit report to be in inaccurate. I have yet to receive any form of communication from the credit bureau that an investigation has been opened per my request to reinvestigate these items in question. Under Federal Law the credit bureau has 30 days to complete this investigation which they have failed to do so.

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 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: TX

Complaint narrative:
A company called XXXX claimed I setup a security system in a home I do not own and only rented a room for a short amount of time. The home owner stole my information and opened a account according to the company. I filed a police report in XXXX and I disputed the account they put on my credit. It was removed. XXXX of XXXX this company sold the account to Zion holdings and they put the account back on my XXXX and XXXX credit report, this is not only a debt Im not responsible for they are claiming I owe the debt as of today which is not true. I disputed this with XXXX and they upheld the information as accurate which is not true. Im not responsible for a account I did not open that was done via fraud and identity theft

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 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
If you had a Wells Fargo account between XXXX and XXXX, you might be one of the 16 million customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ). 

As part of a {$3.00} billion settlement, Wells Fargo has agreed to pay more than {$2.00} billion directly to customers harmed by illegal activity, ranging from incorrect overdraft fees to wrongful foreclosures, according to the CFPB. 

For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent. 

I had my bank account with Wells Fargo for over 20 years and I had my account frozen several times for possible " fraudulent '' activities within this time frame. Also, I had plenty of overdraft fees within this time frame too.

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 2023-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
Last year on XX/XX/2023 I spoke to Loancare loss mitigation department after they determined there was an error by the trustee the instructed me to send a check to them for full and final settlement. The check was tendered to the loss mitigation department along with a written agreement that the loan was settled and payment was considered in full. The check was installed by someone in Loss mitigation next to the statement paid in full. To me this indicates that they acknowledged the check and cashed. if they rejected it they should have sent it back to me. however they cashed the check and then proceeded to still attempt to collect on the mortgage. Attempts to solve this with them directly has resulted in nothing but canned responses to even the simplest of inquiries. Now LoanCare refuses to release the lien on my mortgage and are wrongfully holding the title to my property.

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 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX was told needed to pay monthly payments on my mothers loan who passed in XXXX at the age of XXXX. They had her sign a 20 year contract. Thinking she would live another 20 years! They have threatened legal action. I asked for the contract that was signed. It was all in XXXX. They wont give me a translation one in English. My mother cant read in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am very disturbed to find public records on my credit report without any apparent reason,

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 2023-05-15 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: VA

Complaint narrative:
This complaint to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number 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 2023-05-15 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: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT

Complaint narrative:
Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with XXXX XXXX XXXX XXXX. XXXX then would contact First Interstate Bank and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by First Interstate Bank. Leaving the Report INACCURATE. The Account information for this complaint is taken from an XXXX credit report # XXXX for XX/XX/XXXX. The account is XXXX .... This is a joint account with my spouse. I will attach documents that XXXX provided. I contacted First Interstate Bank and requested documents about payment history or statements related to this account they informed that none were available and would not provide any documents. When you examine the account information from XXXX you will find that the Date Opened is XXXX XXXX. The Payment history ends XX/XX/XXXX. The Payment history is missing 12 months of payments making this report ( INACCURATE ). The Monthly payment ( NOT REPORTED ) missing information making this report ( INACCURATE ). Upon examining the provided XXXX document you will find the High balance as ( NOT REPORTED ) making the report ( INACCURATE ). Recent Balance is ( NOT REPORTED ) making the report ( INACCURATE ). The Payment history has been left showing a few months of an account which was active for 19 months making this report ( INACCURATE ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this XXXX Credit Report which have been VERIFIED as accurate by First Interstate Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Hello, I applied for a Chase Marriott XXXX XXXX credit card on XX/XX/XXXX and was denied due to them saying I have " too many open accounts '' and now have a negative mark on my credit report. The representative XXXX on the line said it was due to their " XX/XX/XXXX rule '' and was not denied for other reasons as I have near perfect credit and a high income so I am a safe bet for lenders. She said that I can keep applying for other Chase cards but they will all be denied. How can consumers know what cards they are eligible to apply for and not eligible due to this " rule '' for if Chase does not publicly share this info before applying? I had no idea about this rule as it was not publicly posted anywhere around the card details at all and which cards. 

This feels like a deceptive practice by Chase in order to attain more applications and withholding from the public this arbitrary rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: CA

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. 
1 ) XXXX  XXXX BANK, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX BANK ; 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 XXXX 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 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