vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 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: TN

Complaint narrative:
To Whom It May Concern, I am filing this complaint to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is unauthorized credit inquiries listed below for your companies review. To my knowledge, I have not signed any documents authorizing these companies in question to view my credit report. The listed unauthorized credit inquiries was without my authorization, permission or consent and for no legitimate business purposes. Around the time these unauthorized credit inquiries was placed on my credit report I was XXXX ( XXXX  ). As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in connection with these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made these unauthorized credit inquiries so I may contact them directly if I have to. In addition, I respectfully request a copy of any documentation authorizing these credit inquiries, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized these credit inquiries, I ask that the negative items be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC & 1681j ), there should be no charge for this report. Please note that credit inquiries arent considered factual records and shouldnt be reported on a consumers credit report for up to 2 years if they are found unauthorized. Thank you! XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX ( XXXX ) XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 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 2021-12-15 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: PA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.

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 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Coinbase, Inc.
State: PA

Complaint narrative:
XXXX disabled my debit card in XXXX without any reason specified. Following a phone call, they corrected the issue and I was able to use the debit card again. The message was " Our team has completed our investigation and has determined that your account meets our criteria to be unblocked for use. '' A few weeks later, the card was again suspended. I again opened a case ( # XXXX ) and the response received was " We completed our investigation of one or more recent transactions which violated our Cardholder Agreement. We've determined that you do not meet the criteria to unblock your card. '' I have repeatedly asked to know what what transactions are in question and which part of the card member agreement is in violation. Per the Terms is Service for the debit card, I am entitled to investigation documents upon request - I formally requested this information and my requests have been ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I called Southwest Credit on XX/XX/2021. I was told by a asked the Southwest Credit employee that I owed XXXX XXXX {$190.00}. The amount on my XXXX XXXX XXXX report states I owe {$190.00}. I asked the Southwest Credit employee to mail me proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest, and other charges, and for all other charges, the date of and basis for each charge. I wasn't mailed any of the documents. The only letter I was received on XX/XX/XXXX was an account summary of the debt I supposedly owe with different amounts than what the employee told me, stating I had 30 days to dispute the debt, and a NY Dept. of Consumer Affairs License Number. Because I wasn't given the documents I asked for, I emailed Southwest Credit on their website SWC Group on XX/XX/XXXX to complain about not getting any of the documents they're legally obligated to give me and to ask SWC Group to either email or mail me the documents. Today is XX/XX/XXXX, but no one at SWC Group has emailed or called me. Meanwhile, my credit score was XXXX for more than a year because of the debt on my XXXX credit report. I was turned down when I applied for apartments because of my credit score. I'm not going to pay a debt unless I have proof I owe the debt. I'm also not able to dispute a debt if I don't have the documents I need, a fact SWC Group is well aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: U.S. BANCORP
State: MN

Complaint narrative:
This morning I checked my checking account and found that there were funds taken from my account twice - once from the previous month, and this month - services I already paid for, and that were deducted from my account on the days they were reported. My account, on the days in question had about a thousand dollars in it, enough to cover XXXX bills and payments. These are not accounts that have my account information, XXXX XXXXXXXX, XXXX XXXX, or XXXX XXXX. I went into a US bank branch to stop them from allowing XXXX to take money out of my account, as I'm unable to reach anyone from XXXX, to have them fix the issue. Here 's the crux of my complaint. A bank can not charge your account twice for services it's already allowed to be taken from your account. I want my money back, and If this persist, I will file a civil suit against USBank corp.

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 2021-12-15 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: PA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.

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 2021-12-15 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: PA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
ON XX/XX/XXXX {$12000.00} WAS WIRED INTO MY BUSINESS XXXX. CHASE SENT ME A NOTICE STATING THAT THE MONEY WOULD BE CREDITED TO MY ACCOUNT THE SAME DAY ON XX/XX/XXXX. THE MONEY WAS NEVER CREDITED. I WAS NOT AWARE SOONER SINCE CHASE MAILED THE NOTICE TO MY FORMER ADDRESS THOUGH MY ADDRESS WAS UPDATED WITH THE BANK. WHEN THE AMOUNT WAS CLAIMED BY A CLIENT AND I CHECK MY BANK STATEMENT FOR THE MONTH OF XX/XX/XXXX, IT SHOWS THAT THE MONEY WAS NEVER PUT INTO MY ACCOUNT. I CONTACTED CHASE ON XXXX ; XXXX AND WAS ON THE PHONE FOR ABOUT ONE HOUR. I WAS TOLD THAT THE MONEY WAS NOT PLACED IN MY ACCOUNT BUT THE PERSON, XXXX COULD ONLY CHECK BACK FOR 2 YEARS. SHE TOLD ME TO GO INTO A BRANCH. XX/XX/XXXX I WENT INTO THE BRANCH IN XXXX XXXX, NY AND MET WITH A BANKER, XXXX WHO CALLED CHASE ALSO AND AFTER SPEAKING WITH THREE DIFFERENT PEOPLE, SHE WAS TOLD THAT THEY COULD ONLY LOOK BACK ONE YEAR. THEY GAVE HER ANOTHER NUMBER TO CALL. SHE GAVE ME THE NUMBER. WHEN I TRIED TO CALL FROM MY OFFICE, YOU NEED TO ENTER AN ID NUMBER, WHICH I DO NOT HAVE. 

CHASE KNOWS THIS MONEY WAS NOT PUT INTO MY ACCOUNT BUT DOES NOT CARE TO ADDRESS THIS. THERE IS A REFERENCE NUMBER AND AN XXXX XXXX XXXX NUMBER ON THEIR NOTICE TO ME BUT THEY DO NOT SEEM TO CARE THAT THEIR OWN BANK STATEMENT SHOWS THAT THEY NEVER PUT THE {$12000.00} INTO MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I sent letters to all three credit bureaus about this collection item on XX/XX/2021, for XXXX XXXX XXXX. Nothing has been done about it. They all came back that it was verified. 
XXXX XXXX XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. 

There is another account item was removed and came back on the report under another name as National Credit Adjuster, formerly AD XXXX XXXX XXXX. 
NATIONAL CREDIT ADJUSTER The company that reported the information has certified to XXXX that the information is accurate. 
AD XXXX RECOVERY SERVICE Information on this item has been updated. Please review your report for the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2021-12-15 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: AL

Complaint narrative:
XXXX I have contacted Equifax more than 5 times due to the Company reporting inaccurate information on my credit report They are reporting a XXXX XXXX XXXX  on my report that is not ONLY inaccurate but it also has several inconsistencies- The High Balance is Incorrect The Account is reporting as Charge Off - Yet it is reporting a balance which is INACCURATE reporting They are failing to provide me with proper documents to verify this account! They only responded in XXXX of 2021 stating the account is verified and they failed to respond to reinvestigation request! 

The account has tons of errors and they are not properly verifying nor honoring my right to dispute information on my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX 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 explanation
Consumer complaint received 2021-12-15 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX XXXX 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 2021-12-15 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: KY

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX XXXX 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 2021-12-15 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: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2021-12-15 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: KY

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX XXXX 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 explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I called and spoke with two different customer service agents. The first agent was of no use and hung up on me. I hope their call is recorded so they can disciplined. The second call was more pleasant, but not helpful. 

Upgrade is misallocating my loan payments. 

My XX/XX/XXXX payment of {$85.00} was my normal XXXX payment that due on XXXX ( my normal due date is the XXXX of every month ). Then, on XX/XX/XXXX, I made another {$100.00} regular payment ( that is, it was NOT A PRINCIPAL ONLY PAYMENT ). That should covered my XX/XX/XXXX payment due date. However, it did not. On XX/XX/XXXX, I made yet another payment and your web interface for my loan clearly stated that it was supposed to goes towards the XX/XX/XXXX payment. Thus, leaving my XXXX payment that would go towards XX/XX/XXXX. T Initially, your system did this without issue. However, for some reason your system has improperly changed things and misallocated my XX/XX/XXXX payment. Thus, causing a chain reaction to the XX/XX/XXXX payment and the subsequent due dates. I have provided you with a screenshot of my payment history and payment breakdown between principal and interest paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I found out there are some negative elements that are hurting my credit history, those elements do not belong to me. 

1. XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX Account XXXX : XXXX 1. XXXX XXXX XXXX BANK XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Got s bill from an account I didn't open nor did I make the purchases.

Company response to consumer: Closed with non-monetary relief