vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-12 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: FL

Complaint narrative:
according to the IRS and FCRA XXXX Account XXXX is not compliant and willfully and knowingly reporting inaccurate information to my consumer report remove this immediately from my consumer report.. Transunion says it meets FCRA which in fact is not true, According to the IRS a CHARGE OFF IS GROSS or ORDINAY INCOME.. and the FCRA states CLEARLY INCOME IS NOT ALLOWEDTO BE REPORTED on a consumer report. you are now on NOTICE you have 10 days to delete this Erroneous, inaccurate information. attached proof this is a CHARGE OFF and also reporting a balance REMOVE IMMEDIATLY

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 2022-11-12 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:
in accordance with the fair credit reporting act XXXX  account numbers XXXX 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. states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: GA

Complaint narrative:
My card was hacked back in XXXX of XXXX I immediately got in contact with my card holder and told them my card had been being used without my consent it was used in several different XXXX  stores in different cities and XXXX XXXX XXXX as well as in XXXX XXXX in XXXX the dates of these transactions range from XX/XX/XXXX - XX/XX/XXXX I still had possession of my card so both my transactions and the fraudulent transactions were going on at the same time because the card was never physically taken it was copied when my check deposited for that week is when I noticed the discrepancies in my account and immediately called to cancel the card as to that was the only alert I had on the account at that time they told me it would take XXXX business days or longer to resolve the issue and I could get a line of credit for my money but that never happened. They eventually sent a letter saying no error was found in my account and nothing would be returned they later sent me some kind of computer generated investigation only regarding transactions they never disputed XXXX transaction with neither of the stores I told them about they disputed claims I didnt even mention theyre saying all transactions were valid because all of them were in sequence with XXXX another but as I told them my card was never physically stolen only compromised thats why you see transactions being made on my behalf and the thieves behalf at the same time as I told them Ive never been to any of the locations that were reported to be fraudulent

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 2022-11-12 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:
Transunion has been notified of the following inaccuracies on XX/XX/XXXX at XXXX via Certified Mail ( # XXXX XXXX XXXX XXXX XXXX ) : XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : CXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following debt is not mine : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, UTAH XXXX Account Number : XXXX My letter requested physical verification from Transunion XXXX as well as each of the companies, in order to verify the following accounts. Although Transunion has claimed to complete an investigation, neither Transunion or the companies were able to provide complete physical verification of the activity in dispute. Transunion and the above mentioned furnishers have knowingly continued to report the inaccurate and unverifiable information. This has caused me injury, mental anguish, damages and losses to my inaccurate consumer credit report. 

I determine that Transunion in concert with XXXX XXXX XXXX XXXX XXXX  ( formerly XXXX, XXXX XXXX XXXXXXXX XXXX ) have violated the following codes : 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

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 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed my credit file almost every month this year because of the inaccuracies showing. But yet the refusal to delete these inaccuracies are show because of the violations i saw on my report. 15usc.sec1681i,1681i ( a ) ( 1 ) ( B ) ,1681 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 1 ) ( C ), fcra 611 ( a ) ( 7 ) ; 616 ; 617 ; 15USC1681 Sec602 ( A ) ; 15USC1681Sec604ASec2. 

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 XXXX 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 non-monetary relief
Consumer complaint received 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I received an email welcoming me to TD banks. Two days later, I received a welcoming letter to include a debit card and savings account information. I called TD Bak immediately, and they informed they would do a thorough investigation and close all accounts in my name. It is XXXX, and the accounts were never closed, and TD Bank never called me or sent the required documentation showing the status of the investigation. I believe TD Bank in XXXX ; PA used my information to fraud open accounts to make sales, and a Federal Investigation should take place, and I should be paid for Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: CT

Complaint narrative:
I disputed a transaction through chime because I never received my ordered goods from XXXX. This was a month ago, and I still havent received my goods. The charge was for {$280.00}, and chime closed my dispute after a week and I lost. Im pretty sure the person who did my dispute ( over the phone ) didnt properly dispute the charge. They probably either didnt put enough info or reported it as a unauthorized transaction. This is completely unacceptable being I did not receive the goods I paid {$280.00} for my name is XXXX XXXX, my phone number is XXXX, and my email address is XXXX. Contact me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX at Discover XXXX XXXX has committed XXXX violations, placing paid payments for a few Months trying to maliciously sabotage And reset the XXXX year claim on a charge off account and has not answered to that complaint at all and he had discover card have their fake XXXX firm slash collection agency threaten me with a letter demanding over {$1000.00} more than I owe discover card and has not responded that complaint either he keeps lying and closing the cases as a duplicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
When I took out my first loan I was told if I pay it back in time, I will get a special rate which never happened they gave 27 % interest rate which was higher than the last loan which was 13 %. Also, the company is only putting my payment towards the interest and not the principle so my balance will never go down.

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 2022-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I received federal mortgage assistance from XXXX and was approved on XX/XX/2022 for my past due mortgage in the amount of {$37000.00} which paid up my account through XXXX, with forward payments to begin XX/XX/2022. I provided Freedom Mortgage with the approval letter the same day. When applying the funds to my account, Freedom Mortgage only applied $ XXXX which was the balance of my account up to XXXX and had my account showing that a balance is due for XXXX. I first contacted Freedom Mortgage about this issue via email on XX/XX/2022. I did not receive any correspondence or reply back. I called customer service also who were clueless as to why that amount was on my account instead of what is clearly shown on the approval letter. I called XXXX and they verified and restated that I was approved for {$37000.00} and that what was sent to my mortgage company. I am unable to pay XXXX 's payment and do not want to be reported late to the credit bureaus.

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 2022-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Hello I sold my property located at XXXX XXXX XXXX XXXX NY XXXX back on XX/XX/2022. Weeks Prior to closing I had contacted PennyMac to advise them that I was selling the home and not to pay the school taxes due at the end of XXXX because the new homeowner would be paying them at closing. 
Penny Mac however didnt listen and proceeded with paying the school taxes. I have been trying to work with PennyMac now for over a month to get my money back for the taxes that they paid. I confirmed with the school tax office that they sent the check back over a month ago. Penny mac blames it on XXXX, who handles their taxes however this is Penny Macs 3rd party vendor, however they hired them to do this function so its ultimately on Penny Mac to better manage that relationship and figure out what is going on. 
Where I moved to was hit directly by Hurricane Ian and therefore I am in a disaster area. We really need our money thats due to us for repairs to our home. 
Thank you for your help in resolving this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have contacted Credit Appentance more then once regarding my late payments from the year of 2020. I explained that I was effected by XXXXThis is not a good company. I will not recommend anyone to use them. When you call the customer service representative is unprofessional.

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 2022-11-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX - Credit report from XX/XX/XXXX shows this account was closed on XXXX and will be removed on XX/XX/XXXX. The next report I pulled shows this account was closed on XXXX and will be removed on XXXX. I have reached out to the company and the credit bureaus to remove this information from my credit report as it is being reported inaccurately and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

By the provisions of the Fair Credit Reporting Act, these items should not be on my credit report as they are reporting inaccurate information.

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 2022-11-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-11-12 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: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
XXXX has been notified of the following inaccuracies on XX/XX/XXXX at XXXX via Certified Mail ( # XXXX XXXX XXXX XXXX XXXX ) : XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX
 XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following debt is not mine : XXXX XXXX SERVICING XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, UTAH XXXX Account Number : XXXX My letter requested physical verification from XXXX XXXX as well as each of the companies, in order to verify the following accounts. Although XXXX has claimed to complete an investigation, neither XXXX or the companies were able to provide complete physical verification of the activity in dispute. XXXX and the above mentioned furnishers have knowingly continued to report the inaccurate and unverifiable information. This has caused me injury, mental anguish, damages and losses to my inaccurate consumer credit report. 

I determine that XXXX in concert with XXXX XXXX  SERVICING and XXXX ( formerly XXXX, XXXX XXXX XXXX XXXX ) have violated the following codes : XXXX. 15 U.S. Code 1681a 2. 15 U.S. Code 1681i 3. 15 U.S. Code 1681n 4. 15 U.S. Code 1681o 5. 15 U.S. Code 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-11-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Selene Holdings LLC
State: TN

Complaint narrative:
I received credit monitoring alerts of changes to my credit report ( from various card issuers and XXXX XXXX ) over the course of this past week and reviewed my credit report via XXXX XXXX today ( XXXX XXXX, XXXX  ). 

There is now a mortgage listed that I did not acquire from " Selene Finance LP '' with a balance of {$380000.00} as of XXXXXXXX XXXX XXXX 

I called the number listed in the report ( XXXX ) on Saturday, XXXX XXXX XXXX around XXXX XXXX. I was transferred without my consent to a representative making a sales pitch for a medical device. After stating multiple times that I was not interested, I was transferred without my consent to a different number with a recording, indicating that to discuss the account, I must call XXXX. I called that number and heard a recording that directed me to call a different number to discuss the account. Given my experience thus far, I am now seeking help from the CFPB. 

I did not provide this company with my personal information, complete any application documents, attempt to acquire a mortgage from them, or consent to them opening an account on my behalf. I have not in any way had any contact with this company. I have a legitimate mortgage for a different amount through a different lender. 

This company appears to have obtained my information fraudulently, and is engaging in deceptive practices to avoid speaking with me. 

The contact info reported with the account is : SELENE FINANCE LP ATTN CUSTOMER SERVICE RESEARCH XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian XXXX XXXX and XXXX  are validated my disputes with out investing

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 2022-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: WI

Complaint narrative:
XXXX was terminated over a year and half ago and the cable boxes were returned to the XXXX store XXXX XXXX XXXX XXXX WI per their instructions ( the local spectrum office was closed ). A year and a half later I get a collections notice, I responded with the boxes were returned. No response for months and not they put a collections on my credit report. Simply wrong. I can not find the return receipt as it was over a year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Fraud, someone opened a bank of America checking in my name

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 2022-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX trans union and XXXX  are validated my disputes with out investing

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