vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. The following accounts are on XXXX as hard inquires XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX I'm not sure why capital one keeps pulling my credit. they always send me letters in the mail stating I'm pre-qualified for a credit card and i have never ONCE applied for them. As for XXXX, I don't even know who that is and why would anyone apply to the same consumer that close together? 

This was my original complaint, company responded with a letter stating I spoke with someone on XX/XX/XXXX. I know in fact I did not, and if that is what you are claiming you need to provide me with written proof and my signature on file gaining permission to pull my credit. I have had fraud on my account, and it is not uncommon for someone to call and act like someone else. Under the FCRA you may be able to pull credit via " a permissible purpose under the Fair Credit Reporting Act ( FCRA ) to obtain your credit report. '' But also, under the FCRA, you have to provide me with accurate proof that it was me, my signature. If you can not provide it, you must delete it as you have to be 100 % true and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX negative Date opened XX/XX/XXXX Balance {$270.00} Status Account charged off. {$270.00} written off. {$270.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4200.00} XXXX Account charged off. {$4200.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Collection account. {$4300.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Collection account. {$5300.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Collection account. {$5400.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2.00}, FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : not my names XXXX XXXXXXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXXXXXX 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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple phone calls and written attempts to contest hard inquiries, the following inquires remain and/or ( keep reappearing ) on my credit report and it has been more than 60 days. The following inquires have been made fraudulently and against my authorization. Please delete them immediately. Ive attached my XXXX and a utility bill as proof of my identity. The inquiries in question are as follows : 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 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 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 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 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 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 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 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 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 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 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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: NC

Complaint narrative:
I opened a checking account with Chime on XX/XX/22. 
Today ( XX/XX/22 ), I received an email saying that they shipped a Chime Credit Card to me. 
The problem is that I never applied for it. What I applied is just the checking account. They opened the credit card without my permission. 
I reached out to them and they can only close the account for me. However, this is far away from enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: CO

Complaint narrative:
Someone else information/account has been added to my credit report. The account balance is XXXX opened on XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I applied for forbearance due to loss of income related to XXXX. In XX/XX/2022, I was told by Citizens Loss Mitigation Department that the forbearance could be extended another 90 days until end of XXXX. 

In XXXX, on Citizens advice, we applied for the deferral payment option where the amount due is added to the end of loan. 

On XX/XX/XXXX, I called Citizens to check and they said I needed to pay two months mortgage so that my account is only 18 months past due which is a requirement for the deferral program. I made 2 months payments. 

On XX/XX/XXXX, I called Citizens and they said the the deferral payment is being setup and I should receive a letter. 

On XX/XX/XXXX, I called again to make a one month payment so that the mortgage is only XXXX months past due. 

On XX/XX/XXXX, I called again and was told the deferral payment program was denied because forbearance ended in XXXX and the XXXX last months were actually late payments and now the only option is loan modification. I made the full balance payment of $ XXXX or so to bring my account current and get it removed from loss mitigation. 

On XX/XX/XXXX, I called again because my online access has not been restored to make payments. They said the account is still under loss mitigation and the amounts charged are in a suspend account and not applied to the loan. I was told it can take 45-60 days for it to be removed from loss mitigation. 

Citizens has mislead me, caused financial hardship and stress. I am retired and only get social security income and on XXXX. They don't provide anything in writing even when I ask them to email me what they are telling me over the phone. I have wasted countless hours on the phone with them. 

Every time I call them, I first get transferred to a collections department in XXXX. I have to explain everything before being put on hold for the loss mitigation department. So just to make a payment is a 30 minute exercise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have sent XXXX letters to Experian regarding how they are reporting information inaccurately on my credit report. THIS IS NOT HOW THE CREDITOR IS REPORTING THEM, it is EXPERIAN. They have disregarded both investigation requests, sending me a letter stating the furnisher is reporting this accurately. AGAIN THIS IS NOT AN ERROR ON THE FURNISHERS PART IS IS AN ERROR IN EXPERIANS REPORTING. 

There are XXXX accounts they have an outdated and inaccurate payment status on. PLEASE CORRECT THE XXXX ACCOUNTS : Payment status : Paid as agreed XXXX of the accounts are closed and paid in full- the other XXXX are all on time- This is the Last request I am asking, if these are not all corrected to show the current payment status I will be seeking legal advice, this is an FCRA VIOLATION and their inaccurate reporting is damaging my credit. 

Ive included all XXXX accounts credit reports and letters I have sent to experian.,

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 2022-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I opened an account with ALLY BANK during the 1 % match XXXX XX/XX/XXXX. Transferred {$30000.00} from XXXX and {$31000.00} from XXXX XXXX. Email from ALLY states XXXX transfers has failed and money should go back to external accounts. The missing money is still gone. Its been over a month now and still no money at external accounts or at ALLY BANK. Multiple calls to ALLY customer service stating that the money was sent back to external account and each time they tell me i have to do a dispute process with the external banks. Multiple hours wasted talking to external accounts, all they see is that the money got transferred to ALLY and left their ledger. Disputes were filed and XXXX as of XX/XX/XXXX with a XXXX way call with ally states from their investigation that money should still be at ALLY bank. ALLY states that Incomplete transaction disputes are the only way to get my money back. Multiple rounds of back and forth but no one knows where the money is. I must have spent over 7 hours on the phone with these banks. Who can i contact to straighten this out? attached is ally reference # XXXX and 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 2022-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
I have filed ( 2 ) prior complaints about this debt collector already and now they are retaliating against me. This debt what paid by the XXXX insurance policy that was built into the loan for the vehicle purchase. However, it appears that this company filed a debt claim against me on XX/XX/XXXX and received a default judgement against me on XX/XX/XXXX in XXXX XXXX, XXXX  at the Justice of the Peace Precinct # 4. The problem with this is I have not lived in that precinct since XX/XX/XXXX and did not receive service in order to respond. They requested for alternative service, which I presume was either posted on my door or by certified mail at a residence in which I know longer lived and have an termination of my lease agreement from the residence that was in the applicable precinct to verify such. Additionally, since filing complaints with the CFPB regarding this account, this company is retaliating against me and has since requested to seize any non exempt property that I have to make good on the absurd default judgement, which was filed on XX/XX/XXXX! This company should have never been granted a judgement in the first place, as I was not served. This is unacceptable, unprofessional, and illegal! I am permanently, medically XXXX and receive Social Security and am on a fixed income while also being fully financially responsible for ( XXXX ) children. I do not have any non-exempt property and this company is pursuing a debt in a court where I do not live. I will be filing a complaint with the bar association against the attorney who filed these actions as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The disputes that I have are as fallow : XXXX. XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$290.00} XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XXXX. XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$400.00} XXXX. XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$420.00} XXXX. XX/XX/2022 XXXX XXXX XXXX {$7.00} XXXX. XX/XX/XXXX XXXX XXXX XXXX {$17.00} XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXX {$1600.00} XX/XX/XXXX - XXXX  that was I discovered this fraudulent charges I reported them and cancelled my debit card, I decide to send this to you because I did not received a positive answer front the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I noticed numerous hard inquiries on my report that I had no knowledge of and would like to get these hard inquiries removed from my account, thank you. Companies involved include : TD BANK XXXXTARGET XXXX XXXX XXXX, XXXX - XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 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:
FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX XXXX negative Date opened XX/XX/XXXX Balance {$270.00} Status Account charged off. {$270.00} written off. {$270.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4200.00} Status Account charged off. {$4200.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Collection account. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Collection account. {$5300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Collection account. {$5400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX   Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2.00}, FCRA violations : payments never late XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : not my names XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX 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 2022-12-01 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:
FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX  XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$270.00} Status Account charged off. {$270.00} written off. {$270.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$4200.00} Status Account charged off. {$4200.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Collection account. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Collection account. {$5300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Collection account. {$5400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX   Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2.00}, FCRA violations : payments never late XXXXXXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : not my names XXXX XXXXXXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XXXX TX XXXX, TX XXXX

Company response to consumer: Closed with explanation