vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
The loans are paid in full. I have contacted the company. They will not update. I have disputed twice with XXXX and still will not update balance to XXXX  and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I received two push notifications alerting that two {$86.00} dollar withdrawals had taken place followed by a text asking me to confirm if I was attempting to make another withdrawal for XXXX. I responded No and immediately contacted chime to let them know I still had my debit card in my possession and I did not make or authorize the two transactions that had just gone through. Two days later they tell me no errors occurred and I will not be getting my money back. The final amount settled for {$160.00} plus {$5.00} in atm fees. There is no consumer protection against theft and fraud with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: MT

Complaint narrative:
XXXX XXXXXXXX XXXX  {$140.00} XXXX XXXX XXXX {$170.00} this should have been covered under my insurance XXXX XXXX {$190.00} This should be removed because this should have been covered under my insurance when I was blown up in XXXX XXXXXXXX XXXX  {$1300.00} this is paid in full and is over 7 years old please remove.

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 2023-02-05 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: IN

Complaint narrative:
XXXX XXXX- $ XXXX should not be on my report it does not belong to be. I have requested that Experian removed this information or presents documents but has not done either one. I have requested this 3 times in writing with certified communication. 

XXXX XXXX  {$0.00} balance this should not be on my report its closed XXXX balance and doesnt not belong to me. I have requested that Experian removed this information or presents documents but has not done either one. I have requested this 3 times in writing with certified communication. 

XXXX XXXX {$3500.00} should not be on my report it does not belong to be. I have requested that Experian removed this information or presents documents but has not done either one. I have requested this 3 times in writing with certified communication.

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 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am experiencing repeated FRAUD, involving my checking and savings accounts, with {$150.00} dollars unaccounted for, involving my checking account, during the past four days, and inability to use my ATM debit card, suggesting both THIEVERY, EMBEZZLEMENT and FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I had an ATT  account for internet only that was placed on hold in XX/XX/XXXX due to having to move aburptly. ATT  described the hold as having a small payment ( approximately {$17.00} ) until I could install the internet in my new location. I moved into my new location in XX/XX/XXXX after living in hotels and my car. I moved to an area and an apartment that ATT  did not service. ATT  advised me that they did not service that area therefore I returned their equipment but continued to be charged until XX/XX/XXXX. I spoke to approximately 3 representatives and a fraud manager but found this account in collections for {$100.00} for the months that I had XXXX internet and was paying for XXXX internet from XX/XX/XXXX until XX/XX/XXXX. I began to receive calls for debt collections in XX/XX/XXXX and found these charges on my XXXX XXXX  report from I C Systems on behalf of ATTXXXX for {$100.00}. These charges were disputed at least 3 times and resolved. Recently, charges have appeared again from XXXX XXXX XXXX on behalf of 11 ATT for {$100.00} for an account opened in XX/XX/XXXX. Completely not true. I had XXXX internet service at that time and never opened any other account with ATT. I have filed another dispute resolution in 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 explanation
Consumer complaint received 2023-02-05 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: MD

Complaint narrative:
This is an unfair system, to be ignored and taken advantage of while plenty of laws are broken due to malpractice, and the severity of not taking my situation has caused financial injury and defamation of character along with 60 days of no response. 

I am a victim of identity due to the XXXX data breach and all items should be blocked/removed until this investigation is complete.

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 2023-02-05 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: MD

Complaint narrative:
This is an unfair system, to be ignored and taken advantage of while plenty of laws are broken due to malpractice, and the severity of not taking my situation has caused financial injury and defamation of character along with 60 days of no response. 

I am a victim of identity due to the Equifax data breach and all items should be blocked/removed until this investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX received {$23000.00} from haf funds to cover my XXXX  forbearance debt. They applied the funds to every payment I missed which included principal interest and taxes and insurance. During forbearance XXXX obviously covered my insurance and property taxes for me and when all payments were made with the HAF funds any money they paid forward would have been repaid but they took a separate {$14000.00} solely for escrow as well. Approximately {$4000.00} of that approximately {$14000.00} was for predicted end of XXXX tax and insurance coverage however the other approximately {$10000.00} was said to be to cover money XXXX  paid forward during my forbearance. Being that they applied the full payment amount which includes escrow for each month I was in forbearance this money was already paid back in said payments. So they double charged me. Also per haf fund guidelines they were not allowed to charge late fees and they charged me numerous late fees in various amounts. All over in the documents and statements are numerous servicing fees at random amounts, one being for over {$4200.00}. Then after receiving haf funds, applying the payments in full and taking double on separate escrow costs as well they went and reported twelve late payments to the credit bureau. I have had this mortgage since XXXX of XXXX. I applied for and accepted one modification offer in the beginning of XXXX after losing my job to XXXX however when I went into forbearance in XXXX of XXXX I was completely compliant so if all payments paid with haf funds were to be made as though current and on time how is it that they could pull me out of the modification and charge me over {$6000.00} in late payments and fees. As of right now after complying and following my mortgage and modification compliantly for almost six years they report that with an original loan balance of {$75000.00}, I currently still owe just over {$74000.00} still. It's impossible, it's wrong, it's out right fraud and I know I am not the only one. XXXX had me locked out of my account from XXXX to XXXX of XXXX. Then when I began the investigation they sold me over to shell point to try and hide their crimes but everyone knows shell point is XXXX  hiding under a different name. I am sure they have more than likely frauded nearly all of their clients however I am concerned with their fraud of me and my account. I should be at approximately {$53000.00} balance currently and according to them I've paid less than a XXXX in almost six years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-05 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: OH

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. 
Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX Account number XXXX 15 u.s.c. 1681 section 602 A. Section 2 : it states I have the right to privacy 15 u.s.c 1681 section 602 A.also states a consumer reporting agency can not furnish a Account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: NC

Complaint narrative:
Inaccurate information, caused to go through identity theft. 
wrong addresses not associated with me as a person. 
Shared information without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: EQUIFAX, INC.
State: MT

Complaint narrative:
XXXX XXXXXXXX XXXX {$140.00} XXXX XXXX XXXX {$170.00} this should have been covered under my insurance XXXX XXXX  {$190.00} This should be removed because this should have been covered under my insurance when I was blown up in XXXX XXXXXXXX XXXX {$1300.00} this is paid in full and is over 7 years old please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: MA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2600.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$53.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-02-05 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: CA

Complaint narrative:
The following credit inquires have appeared on my credit report with my knowledge or written consent. Please remove these inquires from my credit report as soon as possible. I have filed a report with FTC which is attached to the complaint. 

Please remove the following credit inquires : XXXXXXXX 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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is supposed to be deleted has been stated on a previous complaint but still showing on credit report as open. 

XXXX is supposed to be deleted in which it has been stated on a previous complaint but still showing on my Equifax, report as open. 

XXXX XXXX, XXXX, equifax, XXXX has failed to provide the proper documentation to me the consumer providing proof of my signature showing that I am the one indeed is responsible for the account. I gave them all 30 days to provide to me the consumer the documentation to prove such claim. No one has done so but keep reporting false information to my credit report. 

XXXX XXXX XXXX, XXXX, equifax, XXXX has failed to provide the proper documentation to me the consumer providing proof of my signature showing that I am the one indeed is responsible for the amount they say I owe and what the charges or for. I gave them all 30 days to provide to me the consumer the documentation to prove such claim. No one has done so but keep reporting false information to my credit report. 

XXXX XXXX XXXX, XXXX, Equifax, XXXX has failed to provide the proper documentation to me the consumer providing proof of my signature showing that I am the one indeed is responsible for the amount they say I owe and what the charges or for. I gave them all 30 days to provide to me the consumer the documentation to prove such claim. No one has done so but keep reporting false information to my credit report. 

XXXX XXXX account is too old to be on credit report and it was disputed and declared as deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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:
The following credit inquires have appeared on my credit report with my knowledge or written consent. Please remove these inquires from my credit report as soon as possible. I have filed a report with FTC which is attached to the complaint. 

Please remove the following credit inquires : XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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:
The following credit inquires have appeared on my credit report with my knowledge or written consent. Please remove these inquires from my credit report as soon as possible. I have filed a report with FTC which is attached to the complaint. 

Please remove the following credit inquires : XXXXXXXX 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 2023-02-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion is attempting to continue to violate my rights as a consumer with stall tactics in removing charge off accounts which are defined as income by the irs. Ive submitted with my previous complaint the last 4 digits of my social, proof of address, and my id along with evidence showing them the violations and my demand to remove them from my consumer report immediately. They sent me a letter refusing to investigate the clear violations until I send the information that Ive already added to this complaint. 

I have several accounts on my consumer report showing as charged off. According to the IRS charge offs are defined as income and are filed on a 1099c. It is illegal to furnish income on a consumer report. Therefore this is a clear violation and all accounts showing as charged off need to be deleted immediately. A charge off can not be considered both income and debt. It is also illegal to deny me my right to privacy. I have addresses listed on my consumer report which I've disputed several times that I have no access to.

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 2023-02-05 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 recently checked my TransUnion Credit Report and I noticed that my credit report was recently updated with 3 Inquiries that I didnt not have no knowledge of. I didnt not give permission or authorize these companies to check my credit report. I have listed the inquiries below that I didnt not authorize. 

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 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 2023-02-05 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: LA

Complaint narrative:
I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me.

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 2023-02-05 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: OH

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. 
Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX Account number XXXX 15 u.s.c. 1681 section 602 A. Section 2 : it states I have the right to privacy 15 u.s.c 1681 section 602 A.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 2023-02-05 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: OH

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. 
Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX Account number XXXX 15 u.s.c. 1681 section 602 A. Section 2 : it states I have the right to privacy 15 u.s.c 1681 section 602 A.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 explanation
Consumer complaint received 2023-02-05 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Inaccurate information, caused to go through identity theft. 
wrong addresses not associated with me as a person. 
Shared information without consent.

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