vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$94.00} XX/XX/XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$620.00} XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX  XXXX {$640.00} XX/XX/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 2023-08-21 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$94.00} XX/XX/XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 2ND '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-21 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-21 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: IL

Complaint narrative:
I did not authorize these authorize these accounts, *XXXX XXXX XXXX XXXX XXXXXXXX Location : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX XXXX in XXXX Location:XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX XXXX XXXXXXXX Location : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2022 Location : XXXX XXXX XXXX XXXX XXXX, IL XXXX. 

XXXX XXXX XXXX XXXXXXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Phone : XXXX XXXX XXXXXXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX & XXXX Location : XXXX XXXX XXXX XXXX XXXX il XXXX 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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 2023-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
I had a bankruptcy discharged in 2015, it was the only way to save my house before foreclosure. I have been making my payments on time all these years but they have not been reported to the credit agencies the only thing it shows is the discharge of the bankruptcy the lawyer and the mortgage company say there should have been a affirmation of dept filed, I clearly had no knowledge I'd this apparently the mortgage company Mr. Cooper never offered one so I'm being told I would have to refinance and the reporting would start then. Killing my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I noticed several inquiries that were inaccurately being reported. I have previously requested removal of these inquiries and have yet received a resolve or response. This is a direct violations of several consumer laws.

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 2023-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
3 different companys ran my credit without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
End of XX/XX/XXXX : The company I performed work for, XXXX XXXX XXXX, XXXX, made out a check to my name in the amount of {$6600.00}. The company let me know shortly after that the check was sent out by USPS and that I should be anticipating the check within in a week 's time. 

XXXX XXXX : I had not received the check as promised, so I contacted XXXX asking for the status. 

XX/XX/XXXX : Unknown to me until XXXX XX/XX/XXXX, someone with the initials ( XXXX ) had stolen my check from USPS, forged my signature and endorsed the payment in-person at the Navy Federal Credit Union ( NFCU ) in XXXX XXXX  XXXX CA. 

XX/XX/XXXX : XXXX notified me that the check had been cashed, to which I told them that I had never received it. They forwarded me a scan of the signed check, which showed it was ( i ) a forged signature and ( ii ) contained instructions to pay to the order of the initials XXXX 

XX/XX/XXXX : I contacted the NFCU to report the fraud, and they responded by saying that I would have to contact my own bank to resolve this issue, and that because I was not a customer, they had no obligations to reimburse me for the amount of the forged check. As my personal bank had no involvement in this one-time payment, I notified XXXX of this development and asked them to contact the NFCU on my behalf to resolve this matter between them and reimburse me for my loss. 

XXXX XXXX : I filed a police report on this matter with XXXX XXXX ( the location of the NFCU ) and XXXX. I also filed a report with USPS. 

XX/XX/XXXX : I filled out an affidavit of forgery addressed to the NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: MN

Complaint narrative:
On about XX/XX/XXXX I applied online with Flagstar bank to move my XXXX mortgage payment to the end of my loan. I had a job change and would not start ne employment until XX/XX/XXXX. In XXXX Flagstar had not responded and sent me my normal notice saying I had my mortgage due. I called in from my new job while hiding from my supervisor ( Flagstar does not take calls after business hours and my wife was unable to call as she was caring for our XXXX  children at home. ) They said they had no record of my application and that I would need to fill out another. I filled out another and waited, nothing came and i assumed all was well. In XXXX they sent a letter stating i had late fees and owed two months of my mortgage. I called in and spoke with someone on XX/XX/XXXX who said i had never filled out an application and would need ot fill one out to move my payment to the end of my loan. I sat with him for over an hour ( while at my new job, risking said new job ) trying to find out how to fill out the application. Eventually he said he would submit it for me. On XX/XX/XXXX someone claiming to be " with my mortgage company '' came to my door and handed me a blank envelope with a poorly written note inside the note read " XXXX '' and listed a phone number to call and request a " face to face interview '' he told me he was with my mortgage company, but none of his clothing said so, nor did his appearance, nor did the letters, or the handwritten note inside. I called my mortgage company on XX/XX/21 and was passed through four different departments being told i was talking to the wrong team. Eventually I was told they had received my application and i should wait until the XXXX to see if they would approve it. 

I have been told there " might have been a system glitch '' that prevented them from receiving my application. My credit has taken a very severe hit and my children are worried that we might lose our home. I've scheduled payments to be made but will no doubt fall behind on other bills trying to make up two months mortgage.

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 2023-08-21 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: MA

Complaint narrative:
I answered the previous questions as close as possible to get to this page. 

On XX/XX/2023, Capital One ran a Hard Inquiry on my credit at all three credit bureaus. I did not make this request for any credit or a credit card from Capital One. I called Capital One and was eventually referred Capital One Canada as Capital One USA says that is where the Inquiry had come from. Capital One Canada said they had no record of a Inquiry being made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/2023, I called Chime customer service number ( XXXX ) to inform them of my travel to XXXX to be able to use the card while there. After contacting them scammers stole all my funds leaving me with {$2.00}. Chime insists there was no wrong doing and insist I made those transactions. Scammers are really good and make it look like your responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: REGIONS FINANCIAL CORPORATION
State: CT

Complaint narrative:
The loan was taking out through the contractor to install gutters and garage doors at that time both my husband and myself was employed and had no problem making the payments but as of XXXX of XXXX we started having financial difficulties first myself and then my wife Myself with XXXX and my wife with XXXX problem on XX/XX/XXXX we contacted our creditors including XXXX and tried to workout an hardship plan but XXXX have refused to work with us in XXXX a lady by the name of XXXX requested we provide proof of our present income which we did and we stated that the most we could pay monthly is {$200.00} nothing has been done and we continue to receive phone calls asking to pay the regular monthly amount of XXXX and two letters threatening with taking action to demand the entire balance to be paid in full we were asked in XXXX to make a regular payment subject to working out a reduced payment and again in XXXX and XXXX at which time we borrowed the money to make those payment hoping the problem would be solved and in XXXX we received another phone call and also a letter demanding the full payment. 
Please help us to work this out because we are not refusing to pay but at this time we can not afford the regular and or full payment the only income we are receiving presently is about half of what it use to be we can just about make our mortgage payments to keep a roof over our head and are seeking help to pay our utilities and taxes that continue to increase Thank you, 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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I want to file a claim against wells fargo. I filed a claim against XXXXl for XXXX and they agreed to pay back XXXX of it. Wells Fargo had issued a credit for XXXX already. Instead of them applying the XXXX that XXXX refunded they wants to unexpected withdraw XXXX from my account saying the refund had nothing to do with that claim that was filed. It doesn't make sense to me and they hindering my lively hood. I honestly think this issue occurred on behalf of them opening 2 claims due a representative submitting the first one incorrectly

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had gotten a credit card from Home Depot back in 2019. I have been paying all the monthly charges on time and a lot more than minimum. I paid all notices about pay this amount to avoid interest charges. I never missed a payment and I've paid off about XXXX to XXXX thousands over the last couple years and never saw where it said I had to pay off a very large amount of interest. A month ago when I was making my payment I noticed it says I need to pay XXXX plus to avoid interest. I'm thinking my balance is only XXXX plus dollars. The next month my statement says I now owe them XXXX plus dollars. A XXXX plus interest charge all at once. I called and all I heard was it must be promotional charges and said they could send me some statements, statement that never showed where or how they could justify charging this amount. Help, this is not right!

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted Experian at XXXX - on XX/XX/2023, to inform them that I have an I.T.I.N and there are mixing my credit report with two invalid social security numbers. The social security numbers do not belong to me and are associated with mailing address that I have never lived at. They verified my full name and mailing address, that I have lived at my current address for 5 years. They state they see my profile but because I have an ITIN they can not remove the accounts that do no belong to me. They state they system dictates what can and can not be removed and although they can see that its a mixed profile they can not remove because I do not have a valid social security number. They state they will continue reporting as the system does not allow them to clean my profile with an I.T.I.N. This is now preventing me from purchasing a home. I asked to be transferred to the escalation department and was placed on a " hold '' sounds like I was just placed on mute with no eta when someone will take my call.

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 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: AZ

Complaint narrative:
This dispute is being filed in regards to my numerous attempts to dispute, remove any/all discrepancies associated with this account from my credit report by said furnisher, LJ Ross . 
The following inaccuracies are listed below : - First and foremost I would like to point out the fact that the the original creditor of this account, which is an energy ( utility ) company is located in XXXX, XXXX. I have lived in Arizona ( over XXXX miles away ) for over two years now. So it is quite clear that this debt does not in any shape, form or fashion belong to me. 
-an evident inaccuracy you will see in the attachment below regarding this account is the fact that its only reporting to two out of the three credit bureaus. 
-Another clearly noticeable inaccuracy is the fact that both bureaus have two different dates on which this account " Last Reported '' ( XX/XX/2023 and XX/XX/2023 ) -.and last but not least two different dates on which the " Date Last Active '' is listed ( XX/XX/2023, XX/XX/2023 )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation