vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 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: CO

Complaint narrative:
transunion refuses to delete a fraudulent account off my report from XXXX known as XXXX XXXX XXXX i have never in my life given them my social security and it is causing me to rack up hard inquiries and denials due to a collection/charge off in which i have no knowledge off I NEED XXXX XXXX  XXXX NOW

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 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
On or around XXXX XXXX, 2021, I fell victim to a multi-layered scam operation ran by the XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to these fraudulent investment companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
On XXXX XXXX, 2022, I discovered that a new credit account was opened on my credit report. This account had been fraudulently opened without my consent. I immediately contacted the creditor XXXX and was informed that the account was opened at a car dealership in California. I was given an account number for reference.

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 2022-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Hello this account was either drop from my credit report or discharge in bankruptcy I have not had a light bill in my name in ages this is fraud. 


XXXX XXXX XXXX Original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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 to the Fair Credit Reporting Act : XXXXXXXX XXXX acct numberXXXX XXXX XXXX XXXX acct number : XXXX Both have violated my rights. 
15 us code 1681 section 602 A. States I have a right to privacy.

15 us code 1681 section 604 A section 2 z. Says that a consumer reporting agency can not furnish any account information with out my consent.

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 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
A former apartment complex { XXXX XXXX  XXXX XXXX } that myself and my daughter lived at for approximately 2 months are fraudulently trying to collect a debt from us via a collection agency : { National Credit System }. They placed this debt on each of our credit reports stating that we damaged their carpets via pet urine. Although a former attorney that I had last year emailed them showing verification that my daughter is severally allergic to pet danger. Therein, proving that we would never have a pet in the home. They also kept our paid deposit as a result of this illegal and unethical act. 

Can you please help us as my daughter is only XXXX XXXX XXXX and does not need her credit damaged because of this falsehood. Additionally, I even told National credit systems representative XXXX XXXX } that I would pay the false debt if she sent me proof in writing that the collections would be deleted after payment. But, she refused to do so, stating that I should just take her word for it. 

Additionally, National credit systems never sent me anything in writing before placing this debt on our credit files. This is also against the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to Experian on many occasions about XXXX XXXX I contacted them on XX/XX/XXXX and the were supposed to do an investigation and it took less then 7 days and they said the account was verified as correct. I also reached out to the company XXXX XXXX  on XX/XX/XXXX for proof bearing my signature and they could not send me over proof. I then reached back out to Experian showing that XXXX XXXXXXXX could not send me over proof, and they still did nothing but report it as correct. On XX/XX/XXXX I then reached back out to Experian and XXXX XXXX regarding this account again and Experian once again did an investigation stating the information is correct and enhanced recovery never reply to my letter.

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 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
XX/XX/XXXX, we received a letter from Lakeview Loan Servicing LLC advising our mortgage loan records were accessed by an un-authorized entity between XX/XX/XXXX and XX/XX/XXXX. The records accessed contained name, address, loan number and social security number. Problem : Why were our mortgage loan records still in Lakeview Loan Servicing LLC systems and not archived since our mortgage loan was transferred to XXXX effective XX/XX/XXXX? More than two and a half years before Lakeview Loan Servicing 's security breach? 
The letter Lakeview sent us on XX/XX/XXXX, provided a phone contact number XXXX which we called, and it automatically dropped after one ring. Thus, any questions we had were not answered. Lakeview Loan Servicing engaged XXXX XXXX XXXX and we tried to enroll in their free one-year service but could not because they wanted us to enter our social security numbers and we do not want to give that information to XXXX XXXX  XXXX Lakeview Loan Servicing assigned us a membership number XXXX and XXXX which XXXX XXXX should be able to use without having to enter social security numbers.

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 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
A chase scammer gained remote access to my computer which I shared and induced {$2200.00} out of my account over 2 days though XXXX ( chase ) and Chase bank won't follow regulation E and give me a refund. I don't know what to do next, I feel badly scammed. 

XXXX XXXX These are the two chase XXXX  transactions that I was scammed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I emailed Transunions corporate headquarters about improper and unfair credit reporting and asked them to remove the debt after showing them a summons. 

Transunion proceeded to block me from accessing my account to view my credit info and dispute. They did this the same day I received a response from corporate asking for my social security number. Now Transunion is saying my social security number was being used by someone else which is why I can never use them again! 

I received no notification about this issue and Transunion is refusing to fix this issue. Ive reached out to a law firm in PA who has stated Transunion has started to block consumers and will stop reporting on them when they complain to them or file disputes. This is a common occurrence where they will prevent you from even having credit with them. 

I want my account restored and my credit score updated as I had paid off a debt from XXXX XXXX and they had to request for deletion twice because Transunion isnt updating scores on me since XXXX of XXXX. That deletion was submitted 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 2022-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BEACON FINANCIAL CORPORATION
State: RI

Complaint narrative:
On XX/XX/XXXX I made two loan payments of XXXX ( by accident ) instead of applying the extra payment to my principle balance they carried it over every month so I have been paying a month in advance for 2 years. That's two years I have been paying more interest on my loan because the extra payment was just carried over. In late XXXX of XXXX I noticed that the {$390.00} was no longer being carried over, so I called Berkshire Banks customer service line and asked to speak to someone in the loan department. XXXX XXXX returned my call and informed me that XXXX was the last month they where carrying balances over and that they where applying any over payments to the balance. ( Which that is the way it should of been all along ). So I asked XXXX where the XXXX credit that I was carrying over was, he stated that they applied my XXXX payment to the principle balance because I didn't owe any money for XXXX. So I asked him when was the credit I was carry over applied to my principle balance. And he stated it was applied in XXXX. I asked XXXX  to send me confirmation of that. He sent me two print outs. 1 showing that since XX/XX/XXXX I was always paying a month in advance. ( from the extra payment I made in XX/XX/XXXX } I have never missed a payment. The other was a break down of my payments since XX/XX/XXXX- XX/XX/XXXX. Which looks like this Date Pd Amount Paid XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX On XX/XX/XXXX I spoke with XXXX XXXX and she states I am up to date and that I am no longer running a credit balance. So I no longer have a credit of $ XXXX ( XXXX overpayment from XX/XX/XXXX + a few dollars here and there that I paid extra a few times ) Yet my principle balance has not decreased by anything besides my monthly payments. Where is my 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 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/22 I authorized a payment for {$1400.00} to be made to my mortgage company out of my house account. On XX/XX/22 I checked my accounts and saw that they deducted that payment but also made the same payment amount to a different part of my mortgage company out of my other account with Wells Fargo. I called Wells Fargo and spoke with two different people and they just kept repeating that I have two payment amounts to my mortgage company. I explained to them why I do and that that wasnt the reason for my call. After them telling me to delete one of the payment amounts with my mortgage company I got frustrated and disconnected the call. Wells Fargo basically refused to correct a {$1400.00} error made on their end and I am now stuck with the hassle of trying to get my money back.

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 2022-04-07 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: IL

Complaint narrative:
In accordance with the fair credit reporting Act XXXX, account numbers : XXXX Deptofed/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX dept of education/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All Have violated my rights 15 U.S.C section 1681 section 602 A States : I have the right to privacy 15 U.S.C section 1681 section 604 A section 2 : It also reports a Consumer reporting agency Can not furnish a account without my written permission

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 2022-04-07 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: IL

Complaint narrative:
In accordance with the fair credit reporting Act XXXX, account numbers : XXXX Deptofed/XXXX. 
XXXX equiant financial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of education/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Have violated my rights 15 U.S.C section 1681 section 602 A States : I have the right to privacy 15 U.S.C section 1681 section 604 A section 2 : It also reports a Consumer reporting agency Can not furnish a account without my written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
Hello this account was either drop from my credit report or discharge in bankruptcy I have not had a light bill in my name in ages this is fraud. 


XXXX XXXX XXXX Original creditor : COMMONWEALTH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Received unsolicited text messages XXXX, over and over saying Ive received a Capital One Credit Card, they use different email but the last characters are the XXXX Ive written back STOP, but they continue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
Im very troubled by my recent experience with Equifax about accounts appearing on my credit report. I have a mother who has XXXX and a child with XXXX.so Im a very busy man. I recently had some down time and sent my identity theft affidavit to equifax. However, when I refreshed my score this more I saw the accounts were still showing. As a matter of fact XXXX acct # XXXX is reporting twice Im requesting a removal of the accounts immediately Ive also attached a copy of my affidavit as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NC

Complaint narrative:
Hello, I have submitted disputes to the consumer reporting agencies and I haven't received any updated information pertaining to my investigation on the consumer reporting agency 's side of things I have given them the proper amount of time-based on law which is 30 days and I have also given them extra time to correspond back to me on the results and I haven't received anything back from them in the mail as of today XX/XX/2022. I first made contact with them on XX/XX/2022 and nothing has transpired since then. The company was Transunion. The total process now has been 34 days and counting and I haven't received anything from the consumer reporting agency.

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 2022-04-07 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 to the Fair Credit Reporting Act : XXXXXXXX XXXX acct XXXX XXXX XXXX  manage acct number : XXXX Both have violated my rights. 
15 us code 1681 section 602 A. States I have a right to privacy. 
15 us code 1681 section 604 A section 2 z. Says that a consumer reporting agency can not furnish any account information with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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 to the Fair Credit Reporting Act : XXXX funding acct XXXX XXXX XXXX manage acct number : XXXX Both have violated my rights. 
15 us code 1681 section 602 A. States I have a right to privacy. 
15 us code 1681 section 604 A section 2 z. Says that a consumer reporting agency can not furnish any account information with out my consent.

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 2022-04-07 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: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2022 someone tried to take out a personal loan under my name for {$7500.00}. OPORTUN INC/PROGRESO FIN who offered the loan have been contacted to remove their credit inquiries. However, there hasnt been any communication from the Oportun and their credit report is not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Skrill USA, Inc.
State: MN

Complaint narrative:
My account transactions were stopped until I verified my identity by pictures of i.d and then a face recognition scan. All 3 times it came back right away it didn't work. So I tried calling support which can't get through too at all. Then tried logging into my account and it says response error and I can't do anything on the Skrill website now at all! And I have money in that account I need.. I am unable to access my account completely now and am more then frustrated. I verified my identity now give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: ACIMA CREDIT, LLC
State: NJ

Complaint narrative:
There are now XXXX accounts from Acima and the address associated to them is XXXX XXXX XXXX XXXX PA XXXX. I have never lived at this address or in Pennsylvania. I have disputed these items so many times and XXXX will not remove them and I have also contacted Acima directly. XXXX tells me I can not dispute the address online since it is associated to Acima but I have disputed Acima 7 times with no resolution. The owners and residents of this address are named XXXX and XXXX XXXX and I am not related to them nor know them. XXXX was sent documents of proof and still will not remove the address or fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
This company National Revovery Agency is trying to collect a debt that they claim that I oue them in the amount of XXXX and are reporting such debt to my credit reports, also the debt they they say I oue them is not legally collectible because the statute of limitations on this claimed debt has expired in my state of Florida, I called them and spoke with them back in XXXX and they told me that they can still collect on this so called debt I oue them and report it still on my credit reports even past the legal statute of limitation for collection efforts I dont know this company and according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. And according to 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, Ive never given them consent to that nor have I ever done business with this company

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