vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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:
In accordance with the Fair Credit Reporting Act. The list of account ( XXXX ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX XXXX, # XXXX 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without 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 buy more than seven years.

15 USC 1681 S-2 ( A ) ( XXXX ) 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
Consumer complaint received 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/2022 my wife and I ( XXXX & XXXX XXXX ) purchased a home and the mortgage was through XXXX XXXX XXXX of Texas. We have always paid our mortgage on time. 

XXXX XXXX XXXX XXXX Mortgage XXXX acquired our mortage sometime around XX/XX/2022. XXXX actually sent us paperwork after XXXX XX/XX/2022. 

Neither XXXX nor I have ever received any phone calls or emails stating the transfer of ownership of our home loan till XXXX reached out to us XXXX looking for our XXXX, 2022 mortgage payment. 

We sent our XXXX payment to XXXX XXXX XXXX of Texas which bank records show they cashed on the XX/XX/2022 - on time. 

At not time did eahtier party tell us the loan had been transferred sold or whatever? 

In any case it has since been sorted out as XXXX XXXX XXXX of Texas has since wired the money, we paind to them on XX/XX/2022, to XXXX. 


On the XX/XX/2022 formal demand letters were sent by XXXX to XXXX and I saying there was an issue on our loan and to call immediately to avoid foreclosure. I called XXXX after collecting the letters from the XXXX XXXX ( Certified mail ) yesterday ( XX/XX/2022 ). XXXX confirmed that there was no issue with the account and we are up to date and the operator also confirmed that XXXX had in fact received the wire transfer from XXXX XXXX XXXX. 

XXXX and I have been on the phone many hours trying to fix this issue that was caused due to the lack of communication from both XXXX XXXX XXXX and XXXX. 

Now we are in the process of finalizing our solar contract and new kitchen. XXXX has a late payment remark from XXXX, over 90 day late payment. 

I also have the samne remark and a new a new account opening showing on my credita new account opening on my credit. 

XXXX 's credit has been hit with a 140 point drop due to the late payment remark, and mine has a number of deductions on opening a new account. 

Please note that we are not late and we never opened any new accounts with XXXX. 

I have reached out by phone and email to have this credit reporting issue resolved by XXXX and to date have not received any response. 

We have huge hits on our credit that have now made it impossible to close our financing for our new solar and our new kitchen.

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 2022-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have never had an account with XXXX. This is fraud. I tried to resolve this on my credit file in 2020. This fraud is now being pursued by a new debt collector.

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 2022-10-13 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP

Complaint narrative:
As XXXX XXXX for over 22 years to current, I have managed to maintain good to excellent credit as my XXXX XXXX  requires it. In XXXX  my personal information was exposed in the XXXX breach, following that, within XXXX I have had 4 credit cards maxed out with charges I did not make, all charges were said to have been made online to a gaming company. I disputed the charges explaining, ( logic  ) who in there right mind would spend over {$40.00} in 6 months playing online games, further more I was on XXXX XXXX XXXX in an austere location disconnected from the XXXX XXXX XXXX. None the less the card companies said they investigated and the charges are valid. I refused to pay for charges i did not make and as a result the cards were charged off and sent to collection. These charge off are adversly affecting my credit report and i would like some assistance correcting what is clearly not my doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: CT

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 Account name XXXX XXXX Account # XXXX Account # XXXX Has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A Section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 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 the 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
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX XXXX, # XXXX 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 U.S.C. 1681c. ( a ) ( XXXX ) XXXX 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 buy more than seven years.

15 USC 1681 SXXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2022-10-13 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:
In accordance with the Fair Credit Reporting Act. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX XXXX, # XXXX 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 U.S.C. 1681c. ( a ) ( XXXX ) 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 buy more than seven years.

15 USC 1681 SXXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BOK FINANCIAL CORP
State: CO

Complaint narrative:
Hello, I called Bank of Texas where I have an account that has been sitting for many years. I have lived in CO for a few years and decided I needed to close the account a couple of years ago. They told me to send a letter in requesting the account to be closed and they sent me a letter stating my signature did not match the opening signature.. I was not present for the opening of the account as I did it over the phone to open the account. Fast forward to a few years later, I decided I will just register to view my account online and it said the account number does not exist. I have over 25 statements showing my account number ( they have my middle name spelled wrong on the statement ). I verified over the phone my full name, address ( no longer live there ) and my old phone number that was used to open the account which was a land line at the time. She said it was all correct. Then I gave them the account number which is listed on all the statements they mailed to me and they said it was not correct. They then told me I had to come to the location in Texas to hear anything about my account and why it froze in 2019. She also stated they could only text the land line number on the file for verification and that would not work so I had no choice but to travel to another state to find out about my funds. I asked to talk to a manager and she said no I had to come in person. I am very scared at this point as they will not even tell me what happened to my money. It is completely unreasonable to ask someone to fly and spend hundreds of dollars to even speak to someone to find out where my money is. I need to know where my money is and how I can get the money and close the account. They can even transfer it to the original place it came from to open the account. I do not trust this bank at all at this point and need the money put back to the bank it was sent from to open the account. I have attached a copy of one of the statements I have saved in my file cabinet that shows this is the actual bank account number. She was saying that I was wrong. Here is proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: FL

Complaint narrative:
The following inquiries in all credit bureaus are unauthorized and I have tried multiple times to resolve this issue without any positive outcome I have had my credit account frozen, filed a police report and communicated with all three bureaus fraud department XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And XXXX XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} are fraudulent accounts. My previous address was XXXX XXXX XXXX XXXX  XXXX, Fl XXXX I moved on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX, Fl XXXX. 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 non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Ive been banking with Chase for many years. I recently had my checking and savings accounts abruptly closed by Chase. They stated to me the decision was permanent and final and would not disclose a reason why. There were no instances of strange activity or anything out of the ordinary on the account. I didnt find out my account was closed until I went to use my debit card and it declined. They didnt notify me formally of this decision until four days later. Furthermore, I have had to face hefty fees from returned payments at the fault of Chase neglecting to notify me of this pending closure before they blocked my account. This is absolutely no way to treat your customers.I advise you to bank elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a Summons from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, SC. XXXX. The Summons was filed by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, MI. XXXX. 

The Summons appears to be related to an unpaid balance of {$2100.00} that, although charged off, was originally owed to PayPal Credit or PayPal Credit Card by : XXXX XXXX, XXXX XXXX XXXX, XXXX TX. XXXX. I do not know any of the dates involved. 

I know nothing of this debt. I have never had a PayPal Credit Card or an account with PayPal Credit nor have I ever lived in Texas. I have lived at my current address since XXXX and have lived in XXXX XXXX, Ohio since XXXX. This appears to be some sort of mistaken identity but I know nothing else about the debt except that I am not the person who owes it. I have filed an Answer with the court stating the above. 

I received no other information prior to receipt of the Summons. Since the Summons, I received a notice from XXXX, signed by XXXX XXXX, stating IT IS SO ORDERED ( not signed by the judge ) that they may attend a PreTrial Hearing by phone. I subsequently received a true notice from XXXX XXXX Municipal Court denying the XXXX phone attendance. I have also received an Affidavit of Fraud from XXXX XXXX XXXX in which they are asking for various types of information, including a police report. However, I am not aware of any type of fraud. To me it appears that either XXXX or XXXX XXXX XXXX just found my name somewhere and sent me a Summons hoping that I would pay. However, as I have stated, I have never had a PayPay Credit Card nor an account with PayPal Credit and I have never lived in Texas. I do not see any indication that this is identity theft. I see this as an attempt to collect an unpaid debt through intimidation, hoping that I would do whatever I could to avoid court. At this point, it seems like the burden of proof has been put on me rather than XXXX, when it should have been them verifying that I am not the person they are looking for, rather than just their intimidation after finding someone with a similar 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 non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I received notification from the credit bureaus about a collection that was reported by XXXX XXXX XXXX XXXX on XX/XX/XXXX with a status of seriously past due/ assigned to attorney, collection agency, or credit grantor and internal collection agency for a debt of {$440.00} and a balance updated in XX/XX/XXXX. No other contact is provided on the credit bureaus except for a Comenity Bank XXXX. 

I had a few accounts that were opened fraudulently in the past. I was a victim of Identity theft and provided an official statement about the crime with the FTC report # XXXX. A total of 10 accounts opened from XX/XX/XXXX with Comenity Bank. These accounts were opened fraudulently to obtain goods. I have mailed a dispute letter to the company today XX/XX/XXXX to the address on the credit bureaus XXXX XXXX  XXXX XXXX PA XXXX, the XXXX, FTC & Massachusetts AG office XXXX Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
Ability Recovery Service is showing on my credit report for an amount of {$1900.00} with the original creditor being XXXX XXXX XXXX. This debt is not showing on my credit report at all for the original creditor. I believe this to be a false debt or a zombie debt that can no longer be collected on. I have also never received a communication from 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 explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I had an account with XXXX  opened in XXXX and closed in XXXX. 
Fraudulent charges of {$1200.00} appeared with a collection agency, Southwest Credit Systems, in XXXX of XXXX, which I just saw on my credit report today. They claim this arose from a XXXX XXXX XXXX with my name, and an address I have never been associated with, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX has no information on this account and referred me back to Southwest Credit Systems .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Called Wells Fargo to report card missing and that I had charges that werent mine. Told them repeatly the charges were all on the same day. They denied my claim. In 6 years I never put in any other claim. Claim # 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 2022-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
Called Aidvantage on XX/XX/2022 to request refund for payments made during Covid CSR told me that request was approved on XX/XX/2022 and processed on XX/XX/2022 and at this point haven't received any correspondence regarding refund or payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: CA

Complaint narrative:
IVE NEVER FILED XXXX XXXX XXXX AND XXXX AND TRANSUNION CONTINUE TO REPORT THIS UNVERIFIED XXXX XXXX INCLUDED IS A LETTER OF WITHDRAWAL, AND LETTER FROM XXXX XXXX THE DATA FURNISHER CASE NUMBER XXXX WAS NEVER FILED IN A BANKRUPTCY COURT.. IT WAS WITHDREW I HAVE NOTICE OF WITHDRAWAL...

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 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MT

Complaint narrative:
I put coinbasepro.com into the web browser and it directed me to a phishing website. It looked just like the coinbase login, so I put my login info in and it told me there was suspicious activity on my account and I needed to call coinbase to get my account unlocked, it provided a number that I called. It was the scammers number and they told me I had to connect my coinbase pro and my coinbase together and basically walked me through transferring my crypto from my coinbase pro to my coinbase but it wasn't going to my coinbase address it was going to their coinbase account and I didn't know that. 
Right after this happened I contacted coinbase, and they said there's nothing you could do the coins are gone. They wouldn't reverse it. This is an account my daughter XXXX XXXX opened for me under her name. 

The phone number on the phishing website was XXXX Number he told me to call him back at XXXX ( I never called him on this number ) The phishing website was coinbasepro.com ( now it's blocked ) I think it was transfered by coinbase account address, it was all done on the coinbase pro website and the phishing website. 

The crypto was transfered on XX/XX/XXXX, around XXXX Still working on getting into my crypto account, it could take 48 to 72 hours to get back in to add up the amount of money I paid for the crypto coins. From memory I am thinking around {$50000.00}

Company response to consumer: Closed with explanation