vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 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: CA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation
State: TX

Complaint narrative:
World Finance keeps reaging this account and fraudulently increasing the balance on a charged off account. Due to the reaging and increase in balance the information being reported is inaccurate as well as fraudulent since this account has been written off. My FDCPA and FCRA rights have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX while attempting to withdraw funds using my ATM linked on my XXXX XXXX app ( i've done this before multiple times ). I got a message saying my that ATM card had been cancelled and that the replacement has been activated. I tried a few times more. Then went int to speak to a teller. The teller verified that the card linked to my XXXX account was the current and valid one. I asked how we can fix it. The teller said I would have to call the phone number. I said I want to fix it now and here. He claimed he couldn't fix it. I insisted it be fixed. The teller then said the manager could help me. I said I'll wait here, the teller went and got the manager and the manager said he could help me in 2 minutes. I said fine and stated I would wait here. The manager and teller then proceeded to count money for a client a process that took longer than 2 minutes. Then the teller moved windows, I moved with him. The teller than said he had to help customers I said you're helping me. He then went and got the manager who said, " if he ( the teller ) doesn't help you, you're not getting help ''. The teller already said he couldn't help me. He's denying my access to my funds and the service Chase charges me for. I reminded him that he said it would be 2 minutes. He then lied and said he never said such a thing. He then told the teller to call XXXX. The teller called XXXX lied claiming I was harassing customers and being " aggressive ''. I was neither. This all happened at the Chase bank located at XXXX XXXX XXXX, XXXX CA XXXX. The bank Manager name was XXXX XXXX. The first office to respond from the XXXX XXXX XXXX XXXX badge # XXXX. I reached out to Chase via the in-app chat. They have yet to respond, besides a generic Chat Bot response. 

Is this wire fraud? How are they allowed to deny me access to my money and services I pay for?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: CL Holdings LLC
State: CA

Complaint narrative:
There was a charge of {$430.00} that came onto my credit report from Jefferson Capital Systems. My social security was compromised and someone made an account and charged that amount to XXXX which is a buy now, pay later company. I was not able to see this on my credit report until very recently when I got an alert from XXXXXXXX XXXX My payments are always made on time so this was shocking for me. I have spoken and worked with XXXX - XXXX XXXX - Restoration Specialist to resolve this matter. We have called Jefferson Capital Systems to report fraud/identity theft. My case number with XXXX XXXX XXXX XXXX is # XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This Account is Violating FCRA 15usc1681a ( 2 ) ( a ) ( i ) Transactions and Experience Exclusion. I have called them several times often time speaking to senior account manager no resolution Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
I am writing to file a complaint against Hancock Whitney regarding the inaccurate reporting of an installment account on my credit report. I have been disputing this item for several months as it is not valid, and I have never had a credit card or installment loan with Hancock Whitney. 

The account in question is being listed as an installment account, and it includes a remark stating that I was previously past due for 60 days. However, I can confirm that I have never had any credit-related account with Hancock Whitney . In the past, I had a debit card for a checking account with this creditor, but it was not an installment loan or a credit card. 

Despite my repeated efforts to dispute this account on my credit report, no investigation has been conducted by the credit bureaus. On XX/XX/2023, I submitted an indirect dispute to XXXX, XXXX, and XXXX. However, they failed to open an investigation into the matter. As a result, I sent a direct dispute letter to Hancock Whitney on XX/XX/2023, using the address listed on my credit report : XXXX XXXX XXXX XXXX XXXX, LA XXXX. Unfortunately, this dispute letter was returned to me as undeliverable, which is concerning as this is the address they have provided on my credit report. 

Not to be discouraged, I made another attempt to dispute the account on XX/XX/2023, using a different address listed on my credit report : XXXX XXXX XXXX XXXX XXXX, LA XXXX. However, the letter was returned to me once again as undeliverable. To clarify, this address does not belong to Hancock Whitney, but rather XXXX XXXX XXXX. 

In a last attempt to seek resolution, I sent yet another dispute letter to Hancock Whitney on XX/XX/2023. However, to date, I have not received any response, and I am concerned that this letter will also be returned as undeliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: FL

Complaint narrative:
I dont have any recollection of any of these inquiries these are not mine they are credit error I never authorized anyone to pull my credit. Listed are the increase they need to be removed thank you for your help. 
XXXX XXXX XXXX. XX/XX/2022 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 2023-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: DE

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 : # ALLY Account name : # ALLY, Account name : # Account name : # has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
My home went through three different banks to be modified with no success. Wells Fargo promised me $ XXXX to leave my home which I never received. I had a renter in the home at the time of the foreclosure. She was able to stay almost two years before the sheriff locked her out ( XXXX, XXXX ). 
Wells ' agent ( out of XXXX Ga ) was made aware that i was a victim of a predatory loan ; my mortgage started at {$1600.00} in XXXX ; it was {$3200.00} by the time I was foreclosed on. 
There are may other people who were turned out of their home by Wells that got settlements ; I simply want what i am owed for my pain and suffering from losing the only home I've ever had. I have XXXX stage XXXX XXXX, and could use the money since I am now permanently XXXX. 
Wells owes me ( and I'm sure other folks as well ) who have not spoken out. Don't let them get away with this!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: VA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely 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 non-monetary relief
Consumer complaint received 2023-08-02 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: VA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: DISCOVER BANK
State: CA

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: TX

Complaint narrative:
In accordance with faire credit reporting act this creditor ( XXXX XXXX ), has violated my rights. Under 15 USC 1681 sec 602 states I have a right to privacy. 15 USC 1681 sec 604 A sec 2 also states a consumer reporting agency can not furnish an account without my instructions. Under 15 USC 1666B, a creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. I this occurred while I was away for military assignment back in XXXX. I provided my orders to the creditor but nothing was done about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: CA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got a phone call from XXXX XXXX XXXX on XX/XX/XXXX and they told me that there was a credit card account in my name. I told them that I have been living in poverty for years and I am not in the position to open any financial accounts. The account number is XXXX and the account was opened in XX/XX/XXXX. The name XXXX XXXX was put as an authorized user. XXXX XXXX lived next door to me in XX/XX/XXXX but she got evicted by XX/XX/XXXX and she used a XXXX XXXX XXXX XXXX, Ca XXXX. Midlands number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation