vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following companies unlawfully ran my credit without my permission. I did not apply for credit with any of these companies, neither do I have a credit card or business with them and I've been desperately trying to get them to remove these unauthorized inquiries from my XXXX and Transunion Credit Reports. I have contacted the respective credit bureaus first and was advised I would need to make contact with each vendor individually to request these unauthorized inquiries be removed from my credit report. Although this has been a huge hassle, I have contacted each vendor on multiple occasions for months now unsuccessfully pleading my case with no relief. Bottom line is I did not apply for a credit card, auto financing, and/or any type of housing with any of these vendors on or about these dates whatsoever and I am seeking your assistance in getting them to remove these unauthorized inquiries from my credit report. 

Equifax Report Unauthorized Inquiries : 1 - XXXX Bank, Date : XX/XX/XXXX ( National Credit Card Cos ) 2 - XXXXXXXX XXXX., XXXX XXXX, Date : XX/XX/XXXX ( Television & Radio ) 3 - XXXX, Date : Date : XX/XX/XXXX ( Miscellaneous Reptg Agencies ) 4 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 5 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 6 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 7 - XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX ( Auto Financing ) 8 - XXXX XXXX Date XX/XX/XXXX ( Auto Financing ) 9 - XXXX XXXX  Date : XX/XX/XXXX ( Auto Financing ) 10 - XXXX XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 11 - XXXX XXXX   Date : XX/XX/XXXX ( Bankcard ) 12 - XXXX XXXX Date : XX/XX/XXXX ( Real Estate sales/Rent ) 13 - XXXX Date : XX/XX/XXXX ( Variety Stores ) 14 - XXXXc Date : XX/XX/XXXX ( National Credit Card Cos. ) 15 - XXXXXXXX XXXX XXXX, NA Date : XX/XX/XXXX ( National Credit Card Cos. ) 16 - XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX ( National Credit Card Cos. ) XXXX  Report Unauthorized Inquires : 1 - XXXX  Date : XX/XX/XXXX ( Finance ) 2 - XXXX Date : XX/XX/XXXX ( Finance ) 3 - XXXX XXXX Date : XX/XX/XXXX ( Finance ) 4 - XXXX Date : XX/XX/XXXX ( Misc. ) Any assistance your agency can provide with assisting me in getting these companies to remove these unauthorized inquiries from my credit report is graciously appreciated.

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 2018-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: MI

Complaint narrative:
XXXX XXXX was informed via certified mail that the inquiries they made on my credit reports were not authorized by me, and had no permissible purpose. This is in violation of section 604 of the FCRA.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

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 2018-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I had no idea what this even was, Transunion that is. The last two months Ive been charged {$19.00} on the XXXX of the month and I have never signed up for whatever this is. It needs cancelled immediately, I do not use or need whatever service this is and I want a refund of the expenses taken out back into my account.

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 monetary relief
Consumer complaint received 2018-02-24 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a Chase Auto Loan Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. Between XXXX / XXXX of XXXX I had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called Chase Auto to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. Chase Auto Finance is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I am requesting Chase Auto Finance to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. please rectify this error on my credit report. Please look at the XXXX XXXX XXXX Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: TX

Complaint narrative:
For about 3.5 months I have been trying to get incorrect items validated or removed from my account that are reported by the 3 bureaus. I have sent multiple letters only to get that the accounts have been verified and are to remain. They are updating my credit report multiple times per week with these accounts with different dates, as if to cause me to be ruined for questioning such. This is unlawful and needs to be stopped.

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 2018-02-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a XXXXXXXX XXXX XXXX Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. Between XXXX / XXXX of XXXX I had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called XXXXXXXX XXXX  to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. XXXX XXXX XXXX is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I am requesting XXXX XXXX XXXX to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. please rectify this error on my credit report. Please look at the XXXX XXXX XXXX Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. 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 explanation
Consumer complaint received 2018-02-24 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:
For about 3.5 months I have been trying to get incorrect items validated or removed from my account that are reported by the 3 bureaus. I have sent multiple letters only to get that the accounts have been verified and are to remain. They are updating my credit report multiple times per week with these accounts with different dates, as if to cause me to be ruined for questioning such. This is unlawful and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: TX

Complaint narrative:
For about 3.5 months I have been trying to get incorrect items validated or removed from my account that are reported by the 3 bureaus. I have sent multiple letters only to get that the accounts have been verified and are to remain. They are updating my credit report multiple times per week with these accounts with different dates, as if to cause me to be ruined for questioning such. This is unlawful and needs to be stopped.

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 2018-02-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
Today, I am writing to complain about the allege accounting and servicing transferred to you from XXXX XXXX XXXX on or about XXXX XX/XX/XXXX and my need for a thorough understanding along with clarification of various attempted sales, sale dates, transfers, funding sources, alleged legal but illegal beneficial ownerships, current charges, credits, debits, transactions, reversals, actions, payments and analyses of all records related to the servicing of this account from its origination to the present date. To date, the documents and information I have reviewed from XXXX County ( to include my personal documentation on hand ) and the previous conversations with several XXXX service representatives by the name of XXXX XXXX ( Employee # XXXX ) and personal at Carrington Mortgage LLC. and XXXX XXXX by the name of XXXX XXXX who would not provide his employee number and the many other account managers, in which, I continue to have unproductive, evasive conversations and furthermore, have not answered many of my challenging questions. Im currently in possession of two letter ( one from XXXX and the other from Carrington Mortgage and both letter cancel out one another stating that each other company is the servicer, which has left me very confused ). I was also contacted my XXXX XXXX who stated, he allegedly bought my property for {$250.00}, XXXX ( This is constructive fraud ) and he threatened me and then asked if I wanted to buy my property back. Allegedly, my property was attempted to be sold on XXXX XX/XX/XXXX with a notice that I now have in my possession and then I was told that it allegedly was sold on XXXX XX/XX/XXXX. We had people coming to our home in the middle of the night and throughout the day while my kids were at home and looking in windows and placing notes on our door asking to buy our home a notice of a trustee sale on the day of XXXX XX/XX/XXXX. As it now stands, Im asking that this alleged indebtedness be forgiven or discharge immediately through your booking keeping entries and accounting ledgers etc. In addition, that acknowledgement be presented to me in writing within 30 days of receipt of this compliant and also the removal of any future duress ascertained over the past. It is my current understanding that XXXX XXXX XXXX ( of which your company acquired another mortgage note? ) and now your company may have also been accused of engaging in one or more predatory servicing of lending and servicing schemes that XXXX previously engaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
RE : XXXXXXXX XXXX Account XXXX I, XXXX XXXX XXXX, have a joint checking account with my son, XXXX XXXX XXXX, at XXXXXXXX XXXX. We do not use online banking. I opened my checking statement ( dated XX/XX/XXXX - XX/XX/XXXX ) when it arrived in the mail on XX/XX/XXXX. I noticed there were 11 Paypal withdrawals totaling {$5800.00}. Neither XXXX nor I authorized any of the transactions. In fact, I do not even have a Paypal account. I immediately called the XXXX Fraud Department to alert them to the problem. They placed a restriction on the account. I went to my local branch, ( XXXX XXXX XXXX, XXXX, NY ) the following day, XX/XX/XXXX and spoke with XXXX XXXX. She reviewed the account and noticed an additional {$3900.00} in Paypal withdrawals since the last statement. She also noticed there were three Paypal transactions starting in XX/XX/XXXX ( totalling {$240.00}XXXX XXXX  ) She transferred the remaining balance in the compromised account into another account. I filed a claim with XXXX for reimbursement. XXXX claims they are not responsible for the {$9100.00} since I did not report the incident when it first happened in XX/XX/XXXX. I thought my son had made those transactions ; the sum was small and I did not question it. However, I did immediately question the withdrawal of {$5800.00} when I received my statement on XX/XX/XXXX. I reported the incident to the XXXX XXXX Precinct. 

I also discussed this situation with Paypal. Someone named XXXX XXXX, whom we do not know, created a Paypal account and somehow linked it directly to our checking account. I do not have a Paypal account. We were drained of {$9100.00}. I have spoken with both XXXX and Paypal Fraud departments several times over the past three weeks. I was under the impression Paypal was going to return the money to XXXX. Today, Paypal said they are not responsible. XXXX said they are not responsible. We placed our money in XXXXXXXX XXXX thinking it was safe. Please help me understand how someone who is not an authorized user of my checking account, can open a Paypal account, link it to my checking account and steal {$9100.00}. XXXXXXXX XXXX never alerted me that XXXX XXXX was now a user of my bank account. The fraudulent name does not appear on any of my bank statements. Paypal did not alert me that an account was linked to my bank account. I request the money be refunded to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Auto Lenders, Inc.
State: FL

Complaint narrative:
I have filed complaints with the XXXX and the credit reporting agencies in refrence to a data provider NATIONAL AUTO LENDERS. I requested to please provide physical proof so I can validate the account and the alleged alligations. National Auto Lenders States whats being reported is correct but has not to respond to my certified request to allow me to verify the account or send me anything inrefrence to this ccount to support their statement. Im only inforcing my credit rights per section 609, please understand im well within my rights to request and verify this information without being ignored or insulted for inforcing my rights. I have also made an attempt by phone and was advised that I will recieve a call back but unfortunitely again to my disappointment no one responded or call me back. I have attached the letter sent to National Auto lenders and reciept of successful delivary. 

*Please be advised, My request for deletion only supports the FCRA and laws thats inforced for inaccurate, incomplete, unverified and unproven statements and alligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I received a dunning letter in the mail in early XXXX of 2017 from a debt collection agency named diversified consultants. They letter claimed that i owed a cable company by the name of XXXX a past due bill in the amount of {$200.00}. Account # XXXX. The suggested that i pay their agency this amount of money or they will report this alleged account to the credit bureaus. 
I responded to them with a letter sent certified receipt and notarized shortly after, in early XXXX of 2017, demanding that their agency send me documentation that they have power of attorney on this matter, that they provide other proofs that would give them legal rights to charge me with this alleged account. 

They responded with a letter that did not provide me with anything that i asked from them. They just stated simply that it was my account and attached a photo copy of a bill from XXXX, which is not legally sufficient enough to allow this collection agency to injure my three credit profiles. 

I checked my credit reports shortly after i received their letter and they did place this false account to they credit bureaus, XXXX, XXXX and XXXX. They didn't even have my address 100 % correct which, by this alone would qualify for them to delete this alleged account. According to laws of the FCRA, everything has to be 100 % accurate that is being reported to credit bureaus. They did this in a unfair and deceptive manner because they did not provide any power of attorney proofs, they did not give me proofs of any legal documentation that they can do business in the state of michigan among other request i asked for in my letter that would give them a right to proceed in this type of manner. 
As a result, they have injured all three of my personal credit profiles that will make it difficult for me to get approved for credit or anything else i may apply for that required a business to review my credit profile. I do not have any contracts with them for them to claim i owe them money, nor they have no legal proofs to represent any companies to demand money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: TX

Complaint narrative:
Got a loan threw XXXX XXXX and the I got laid off at work I called tryed to work something out so they didn't want to help me so I stopped paying it now I get call all day with threats I'm goin to jail and I got warrants and loan was for XXXX now they trying to make me pay over thousand dollars my family gets all the calls to and threat my parents with about me going to Jail that they r goin to have investigator go to my work it stress me out so much I always feel sick and worried that someone going to show up to my work I got like 6 other loan company doin the same thing I can't remember there names or phone number I get loan calls all day it's like being harrassed it's embarrassing

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: CA

Complaint narrative:
I was shopping around for a used car yesterday, XX/XX/18, and visited XXXX XXXX XXXX. Upon interest in a vehicle, when we sat down to talk numbers, the finance person told me he had to run my credit, despite me bringing my own approved financing from my credit union. I asked if it would be a hard or soft inquiry, and he said soft. 
Upon visiting another dealership, immediately after, I was informed that this was, in fact, a hard inquiry, because dealers ONLY do hard inquiries, and that the score reported to me by the other dealer ( XXXX ) was reported under a XXXX XXXX, which is only used for mortgages or loans over {$1.00} million. The credit check was run under " XXXX XXXX ''. 
The 2nd dealer informed me that when my score was run properly under XXXX, that it came back as XXXX. 
I did not authorize the first dealer to run my credit as a hard inquiry, and they also did it under the wrong code, which made it inaccurate, which is useless to everybody, and therefore want this hard inquiry removed from my record. 

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 explanation