vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: FL

Complaint narrative:
I have hard inquiries that are unfamiliar ; that I did not perform credit checks for. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  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 2023-01-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have hard inquiries that are unfamiliar ; that I did not perform credit checks for. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check for {$1000.00} On XX/XX/2023 Chase Bank thought that this was suspicious activity and put a hold on my check until the XXXX which they said would clear and my account would be unrestricted however after the check cleared in my account for {$1000.00} they came up with a new issue and said they needed to verify the check with the issuing bank bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed my name and that the funds we're available and the check cleared however then they came up with another issue wanting to know the third XXXX bank information from which I use the bill pay XXXX  XXXX XXXX does not validate third party information with that being said the check cleared XX/XX/2023 now chase has restricted my account and will not give me access to my funds. and have claimed that they will never release the money until XXXX  XXXX XXXX gives them third party information this is very unusual and no bank verifies third party information therefore I have no way to get my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

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

15 U.S.C 1681 Section 604 A Section 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 non-monetary relief
Consumer complaint received 2023-01-24 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: NY

Complaint narrative:
I have some inquiries on my report I did not authorized. 
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 explanation
Consumer complaint received 2023-01-24 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: AZ

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-01-24 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: NY

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act. Section 609 ( a ) ( 1 ) ( A ), you are rquired by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting service could fax, mail or email in a fraudulent account. 
I damand to see verifiable proof ( i.e. : an original consumer contract withmy signature on it ) that you have on file for the account listed below. 
Your failure to positively verfiy these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately i.e : an orgianal consumer contract with my name on it ) that you have on file for the account listed below. 
XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}. 
Account is reporting XXXX diffrent dates of last activity., there are XXXX diffrent account STATUS, XXXX XXXX reporting a DEROGATORY, while XXXX XXXX a PAID account XXXX diffrent last payments, you are reporting a CHARGE OFF/COLLECTION with no LATE Payments reporting. while XXXX is reporting XXXX also with no late payments reporting. if it's the same account being reported by the same creditor why is this different? Delete account for inaccurate reporting.

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 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I requested information regarding a villa stay in the XXXX XXXX through a company called XXXX, their website is XXXXXXXX, and was put in contact with XXXX XXXX XXXX XXXX. I proceeded with booking a villa in XXXX, XXXX XXXX from XX/XX/2022 - XX/XX/2022 and three payments in the total amount of {$6000.00}. 

When the day came to check into the villa XXXX XXXX responded to my messages and told me he got the days mixed up and that the villa was already occupied. He promised to return my money and it's been over a month and all he does is come up with excuses as to why he can't give me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Hi, I took part in the covid relief program for 8 months. I was told that I would have repayment options available when my forbearance plan ended. 

My forbearance plan end date is XX/XX/2023. I paid my mortgage payment in XXXX and called to set up auto payment only to find out I am required to pay my lump sum in full with NO repayment options available. If on the XXXX I am not able to pay the lump sum, they will start the foreclosure process. 

The information provided and explained to me was portrayed in a way that I understood I would have repayment options. According to Penny mac, it is up to the insurer. I reviewed the covid relief program paperwork and it also portrays and states that a lump sum payment is not required if it is not possible at the time of the plan end date. 

Penny mac and XXXXXXXX XXXX are looking into this but have yet to inform me of any findings. My concern is the XXXX will come, and I will be stuck and default on my loan, starting the forbearance process. 

I am happy to help provide more documentation or discuss further. I am hoping this gets another look and reconsideration. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: IN

Complaint narrative:
Credit karma promised me money if i got denied for any credit card that i could've qualified for. Never got the money but they have all my information. Now I'm getting all kinds of spam mail I've never received before that's happening now. There were hard inquiries made on my account through them because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hi, My checking account with Chase has been frozen without a good reason. And I can not use my own money that my employer deposited. 

Chase wrongfully accused my money came from illegal source based on a false claim from someone I don't know. Chase decided to frozen my checking and my own money without notifying me since XX/XX/XXXX. They locked my own money for over two weeks with XXXX solid evidence that my money are illegal. All my money in my checking account came from my employer. 

After found out this unusual situation myself on XX/XX/XXXX, I called Chase customer service for over 2 hours. Two representative and two senior managers talked to me, although admitting with no evidence, they still decided to keep block my own money. 
On XX/XX/XXXX, I went to a Chase branch locate in XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The banker there fully understand my situation, and helped me argued with Chase claim department. However nothing can be done. Chase ask me keep waiting, while they did nothing to solve my issue. 

As a result, all my credit cards charged me interest fee and returned payment fee. Four of my credit cards from XXXX got cancelled. My Chase account has over XXXX dollars, and I can not use it to pay any of my credit cards balance or buy grocery for my XXXX kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Companies used my credit many times without my authorization which I was unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Companies used my credit many times without my authorization which I was unaware of.

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank deducted the amount of {$240.00} from my personal checking account on XX/XX/XXXX after I withdrew my claim. I was told the merchant would receive the funds no later than 45 days from the date of XX/XX/XXXX. I had frequent communication with the merchant checking in on this status. I called Chase many times and on XX/XX/XXXX ( after the merchant informed me they still have not received the funds ), Chase Claims Department informed me that they did not release the funds until XX/XX/XXXX and it would take up to 30 days for the merchant to receive it, but no later than XX/XX/XXXX. I called the merchant on XX/XX/XXXX to follow up but they have not received it, again. I was told by Chase Claims Dept. to make an appt with my local branch so get a copy of the letter stating of when the funds were released ( XX/XX/XXXX ) and its transaction number so I could present to the merchant proof of funds deducted from my account and fund released. Today I spent nearly XXXX hrs and XXXX minutes at my local branch, in which I was on the phone for XXXX hour with Chase Claim Dept., since the branch bank had no idea what letter I was referred to nor do they have access to any letter regarding this issue. Chase bank repeatedly failed to resolve this issue since the very beginning, I even asked in XX/XX/XXXX to resolve the issue by just returning my money to me so I may directly pay the merchant, Chase declined me of any resolutions. Chase can not and will not help me resolve this issue. It has been XXXX months, leaving me with Chase taking my money and the merchant still unpaid. It is extremely distressing for me since Ive been a long time customer with Chase and utterly disappointed in how they handled this matter or lack thereof. I have been a repeatedly loyal customer with the merchant and this matter has created tension between the merchant and I since they still do not have the money, jeopardizing customer business relation. I am extremely disappointed and utterly disgusted on how Chase has handled this matter. Customer service is horrendous. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-24 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: Self Financial Inc.
State: CA

Complaint narrative:
Self XXXX XXXX has continued to harm my credit. I never opened the card. It is not my debt. I have sent them certified letters to remove this off my credit score they are refusing to do so. I dispute this at least three to four times a year and all three agencies are automatically verifying debt. This is unfair to me. I have a fraud alert set on my account now but this is harming me now 4 years. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I REPORTED TO XXXX XXXX THAT MY CAR PAYMENT HISTORY WAS NOT REPORTING TO MY CREDIT FILE. I'VE JUST RECENTLY PAID THE CAR OFF BUT IT'S STILL NOT SHOWING AND I NEED THIS ACCOUNT TO SHOW PAID AS AGREED AND NEVER LATE BECAUSE I WANT TO PURCHASE A HOME SOON AND I UNDERSTAND THAT THIS WILL HELP ME ALOT HAVING A PAID CAR LOAN REPORTING TO MY FILE. I'M ATTACHING A COPY OF THE LETTER XXXX JUST SENT ME SHOWING PROOF.

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 2023-01-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I REPORTED TO XXXX XXXX THAT MY CAR PAYMENT HISTORY WAS NOT REPORTING TO MY CREDIT FILE. I'VE JUST RECENTLY PAID THE CAR OFF BUT IT'S STILL NOT SHOWING AND I NEED THIS ACCOUNT TO SHOW PAID AS AGREED AND NEVER LATE BECAUSE I WANT TO PURCHASE A HOME SOON AND I UNDERSTAND THAT THIS WILL HELP ME ALOT HAVING A PAID CAR LOAN REPORTING TO MY FILE. I'M ATTACHING A COPY OF THE LETTER XXXX JUST SENT ME SHOWING PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: CA

Complaint narrative:
I REPORTED TO XXXX XXXX THAT MY CAR PAYMENT HISTORY WAS NOT REPORTING TO MY CREDIT FILE. I'VE JUST RECENTLY PAID THE CAR OFF BUT IT'S STILL NOT SHOWING AND I NEED THIS ACCOUNT TO SHOW PAID AS AGREED AND NEVER LATE BECAUSE I WANT TO PURCHASE A HOME SOON AND I UNDERSTAND THAT THIS WILL HELP ME ALOT HAVING A PAID CAR LOAN REPORTING TO MY FILE. I'M ATTACHING A COPY OF THE LETTER XXXX JUST SENT ME SHOWING PROOF.

Company response to consumer: Closed with explanation