vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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: NJ

Complaint narrative:
On XX/XX/XXXX and XXXX and XXXX, 2022, I sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information yet, failed to respond to my questions of their methods of verification. XX/XX/2022 I resent letters certified with tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately said no and gave me correspondence stating that US Bankruptcy Court do not report or provide information to credit bureaus or any other agencies. XXXX sent me an opt out letter stating they protect my information. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. You have violated my given rights under 15 U.S.C. 1681. According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions. According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows 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 2022-08-30 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: UPGRADE, INC.
State: PA

Complaint narrative:
I noticed an acct was opened with Upgrade Inc. The account appeared on my credit report as of XX/XX/2022. Upon noticing, I immediately contacted the company to tell them that I did NOT authorize the account. I was told that the account would be closed and reported to the credit bureaus. On XX/XX/2022, I noticed that my credit score had dropped by XXXX points. Upon further investigation, I saw that the reason for this change was that the account with Upgrade Inc., which I had considered closed, was delinquent by 60 days. The total balance on the account is {$1.00}. I did NOT open this account and I am NOT responsible for its delinquency. The account should have been closed in XX/XX/2022. 

In addition, there are two other hard inquiries on my credit report that I do not recognize. One is from XXXX XXXX The other from XXXX. The origination date for both is also XX/XX/2022. Upon noticing these, I immediately contacted member services teams for each. I was told that there is no record of my having requested an account. The inquiries, however, were not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: MS

Complaint narrative:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 

By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My XXXX attorney saw pictures of the destruction and told me to file an insurance claim. 
I filed the claim in XX/XX/2021 and received an insurance check the first week in XX/XX/2021. The was in the amount of XXXX the check was signed and mailed to Carrington Mortgage Loss mit department. I called loss mit in XX/XX/2021 and asked when I would be receiving the check explaining that I need to repair the apartments so I could make the mortgage payments. I was told by loss mit I would have to have a General contractor before funds could be disbursed, I could not get a general contract to even consider working witn me for XXXX. I called loss mit every month in May when I called I wastold my check was sitting in the qeue ready to go out and that there was a XXXX threshold and the check should have been mailed, the customer service rep would have a supervisor call me, When the supervisor called. I was told I no longer needed a general contractor find license people for the job and get a w9 and send it in, By this time we're in XXXX I'm to payments behind and XXXX XXXX and no check. and going into foreclosure, now its the end of XXXX I still do not have the check or XXXX now I can not have the check until I have an inspector come out I told the loss mit person the inspector is suppose to come out when the work is almost completed. She told me she would put a note in the file and have someone get back to me. its 4 months from being a whole year I'm still trying to make motgage npayments with XXXX XXXX XXXX  and my check sitting in a queue at carrington mortgage loss mit..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: KS

Complaint narrative:
In letter dated XX/XX/2022 we were notified by the US department of education federal XXXX aid that our direct plus loan was not approved due to a charge off on the credit report from Equifax. After filing a dispute and credit appeal, Equifax sent notification XXXX XXXX that they have confirmation the charge off account belongs to me. We have inquired about this account and only know it was opened XXXX XXXX with past due {$2200.00} but can not verify any additional information such as the name on the account, what was purchased or where or how the account was opened. The company in question is XXXX. I have called on XX/XX/XXXX and XX/XX/XXXX. The phone number I used was XXXX XXXX XXXX. The XXXX XXXX XXXX went to a XXXX XXXX with no voicemail. XXXX referred me to email them at XXXX. I have emailed them requesting information and to explain there has been an error as this account has been falsified in association with me. 
I also called Equifax XX/XX/XXXX to try to gain information about their verification process. Their system is down and I was asked to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX XXXX, I have been a loyal chase customer for over 10 years. I have multiple accounts, credit cards, and a home mortgage loan with Chase. 

Recently, I have been scammed on XXXX via XXXX which is connected to my chase app. I bought two items off of XXXX and have not received the items because the accounts are not real businesses. They provided me with a fake invoice and fake tracking information. I was told on the phone by Chase that there is nothing Chase can do about this. I think that this is absolutely unfair as I have been completely scammed and Chase is offering no assistance what so ever. Again, I have been a loyal customer for over 10 years and I have requesting that Chase refunds me for both of these XXXX transactions- I have attached a screenshot of the fake website that is showing fake tracking information to prove that I have been scammed. 

If need be I will provide details of the XXXX interactions to prove that I have been scammed. 

If Chase has no intentions of resolving this, I am unfortunately going to have to close every single one of my accounts and switch banks. I will also have to be getting an attorney involved in this as well as a police investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: FL

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-XXXX  - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Received text message from Wells Fargo of unusual activity with my personal checking account on XX/XX/22 for a {$300.00} withdrawal. I am the only holder of the card. I do not share the card with anyone. The card was in my physical possession. 

Logged into account to find 5 rejected drafts from the ATM on XX/XX/22 for {$300.00} a piece. 
Found two overwritten drafts from the ATM on XX/XX/22 for {$700.00} and {$300.00}. 

Contacted customer service on XX/XX/22 to report activity and closed card and order a new card. 

Upon arriving home the same day from work logged into my joint account with my husband and found two tele transfers from my joint checking account to my individual checking account ; {$1200.00} and {$580.00}. 

Contacted customer service again on XX/XX/22 to report unauthorized transfers from my joint account to my individual account. 

Wells Fargo claim center looked into the dispute and concluded myself or someone I had authorized accessed my account at an atm in XXXX, TX. 

Received Claim documents from Wells Fargo XX/XX/22.

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 2022-08-30 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: AZ

Complaint narrative:
There are currently 6 hard inquiries on my account from XX/XX/22, and only one of these was explicitly authorized. I am requesting that the following inquiries are disputed ad removed from my report. Details for these inquiries are : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank 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 2022-08-30 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: AZ

Complaint narrative:
There are currently 6 hard inquiries on my account from XX/XX/22, and only one of these was explicitly authorized. I am requesting that the following inquiries are disputed ad removed from my report. Details for these inquiries are : - 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 2022-08-30 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: CORELOGIC INC
State: TX

Complaint narrative:
Corelogic I see you released my information to the credit bureaus after I froze your account Please stop reporting to them it was frozen

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 2022-08-30 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Transunion, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CL Holdings LLC
State: IN

Complaint narrative:
Yes I received a XXXX debt collection from XXXX XXXX XXXX saying I owed XXXX but yet I never had a XXXX acct and want this investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On Saturday XX/XX/2022 I was looking to purchase a watch online for my anniversary. I noticed the vendor accepted PayPal credit and I chose to explore that avenue for payment. I went through the application process and signed up for PayPal service where I was approved for a {$2000.00} line of credit with PayPal credit and proceeded to try to use the credit for the purchase. Here is the deceptive part. I was immediately declined and in fact my PayPal account was temporarily suspended for suspicious activity, and all I did was try to make a transaction. After getting a confirmation call from PayPal credit confirming I was making the transaction the account was still locked out. Monday XX/XX/2022 I was able to speak to a PayPal representative and restore the account but I was never able to make a purchase since the option to use my PayPal credit was not available. I spoke to several people online and on the phone trying to resolve the issue but PayPal just blamed PayPal XXXX XXXX XXXX bank ) and PayPal credit blamed PayPal. I finally got a representative with PayPal to tell me the PayPal security algorithm is what is blocking me from using the credit option but no one can tell me why. Finally using PayPal 's own community feature I found out that in most cases a new PayPal account will never be able to use PayPal credit option because the account is too new, and the system which can not be overridden must see transaction traffic on the account other than the PayPal credit up-to a certain amount before the option to use the PayPal credit is released. I have since requested a closure of my account since this was not disclosed in their fine print and that whole reason for this complain is PayPal credit has run my credit like this was a real credit card when in fact it is not, and that was not disclosed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: FL

Complaint narrative:
On XX/XX/2022 XXXX XXXX sent me a letter stateing a report was sent out to trans union, to update the accounts XXXX XXXX-account ending in XXXX which was under a 1099-c with account ending in XXXX and XXXX XXXX-account ending # XXXX under a 1099-c under account ending in XXXX, trans union refused to remove the whole accounts, after the creditor sent me a letter stating to remove the whole account, a dispute by me to trans union, XXXX XXXX  letter, two 1099-c forms and trans union credit reports of XX/XX/2022.

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 2022-08-30 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: KY

Complaint narrative:
U.S. Code 15 U.S.C. 5 1681 Section 604 of The Fair Credit Reporting Act According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified.

15 US.C, 1602 ( g ) 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 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 Which is a {$1000.00} per violation

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 2022-08-30 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
U.S. Code 15 U.S.C. 5 1681 Section 604 of The Fair Credit Reporting Act According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified.

15 US.C, 1602 ( g ) 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 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 Which is a {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: FL

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
I requested a refund for payments I made to my federal student loans during the forbearance period that started in XX/XX/2020. I was told it would take up to 5 months to receive the refund when it is taking other servicers 4-5 weeks to refund borrowers.

Company response to consumer: Closed with explanation