vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 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:
Dear TransUnion Credit Bureau, There are some Fraudulent Hard Inquiries on my credit report, so I called the lenders in order to remove those inquiries and let them know that it wasnt me who applied. They recommended me to contact Credit Bureaus. I called Transunion customer service and they asked me to send a letter along with an FTC report in order for these fraudulent inquiries to be removed. I already sent all the necessary documents but haven't get any reply so far. Im enclosing the FTC Report to this letter. These hard inquiries are not mine, please remove them from my credit report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I applied for a personal loan in which the loan was paid off. Wells Fargo stated that I had not paid off the loan. Therefore the Institution put the payment in collections. I am sure I do owe the amount they are telling me I owe. Thank 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 2023-01-26 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: NV

Complaint narrative:
These accounts are not mine and opened fraudulently {$1200.00} XXXX XXXX XXXX XXXX OpenedXXXX {$2500.00} XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX {$4500.00} XXXX XXXX Opened : XX/XX/XXXX {$7400.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX {$1300.00} XXXX XXXX Opened XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I found an error on my Experian credit report for a closed XXXX XXXX XXXX Account # XXXX. The delinquent date in XX/XX/XXXX is inaccurate, it states that the account was 90 days in XX/XX/XXXX after it was 150 days late in XX/XX/XXXX. I disputed this inaccurate account with Experian via USPS Certified Mail delivered on XX/XX/XXXX, Experian answered the dispute and updated the account on XX/XX/XXXX but the inaccuracy was not fixed. I disputed again with Experian via another USPS Certified Mail delivered on XX/XX/XXXX, Experian answered the dispute and updated the account XX/XX/XXXX but the inaccuracy was still not fixed. 

As a consumer I am entitled to an " actual '' investigation into my disputes, however, there's no independent investigation was done in regard to the inaccurately reported account that impacts my credit. It is irresponsible for Experian to cheat consumers with such blatant FCRA violation. Please respect the credit reporting guidelines and remove the disputed account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, TRANSUNION, AND XXXX USES XXXX OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The XXXX XXXX XXXX acct that appears on my credit files at experian and XXXX is inaccurate and inconsistent, despite these credit reporting companies claiming they have verified the account as accurate. I have attached my credit reports to this complaint and have highlighted the inaccuracies and inconsistencies. In addition, this account was charged off and reported to the XXXX  as a loss by XXXX XXXX XXXX in which the XXXX deems this account as taxable income on my part. Thus i am due a XXXX so i can file taxes on this income which to date i have not received from XXXX XXXX XXXX XXXX SHALL not be reported to my credit report. Due to experian and XXXX negligence to properly investigate a file before it is placed on my report, this income is incorrectly appearing on my credit file. i have ALSO requested per section XXXX all the information regarding this account from XXXX XXXX XXXX including an original contract with my wet signature, the original amount of the vehicle, and various other financial details of this account as i would be able to compare with my records and to date, i have not received any correspondence from the company. i requested this information via written mail and by signature on receipt mail of which i have attached proof that it was received on XX/XX/2022. it is beyond the allotted XXXX given time that i am to receive a response ; thus this account should have been deleted because the information i requested was not given in the time frame allowed.in addition, this account ended in repossession and by law XXXX XXXX XXXX has the responsibility to provide me with certain documentation about the repossession, auction location, after auction sales bill, the amount the vehicle was sold for and any surplus amount and etc. this is per new jersey state law where the vehicle was repossessed and i NEVER received any of these required documents, hence making this charge off ineligible for collection activity or reporting to my credit files, as a deficiency can not be claimed if these post repossession laws are not followed. This account is an all-around inaccurate account and i request its removal from my files immediately due to neglience on behalf of experian XXXX and XXXX XXXX XXXX XXXX follow XXXX truth in lending, new jersey XXXX XXXX and XXXX regulations rules and 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 explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SLM CORPORATION
State: FL

Complaint narrative:
Loan amount : {$30000.00}. Account opened by XXXX XXXX in XX/XX/XXXX. This loan account was from a private student loan, joint account. This specific account was in deferment and was incorrectly sold to XXXX XXXX. The other person listed on this joint account bears responsibility for 50 % of entirety of the student loans as decreed by a XXXX, and as of XX/XX/XXXX, All of my student loans have been discharged due to my permanent and total XXXX. I have emailed these supporting documents to XXXX XXXX as evidence and they have not responded to this date. It's been XXXX months since I've sent the documents. Still am waiting for a response. 

XXXX XXXX purchased an account, that should never have been sold as it was in interest only deferment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The other student loans that were accrued before and after this debt was sold have all been discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
My wife and I XXXX XXXX in XXXX of XXXX, During that time we were unable to make mortgage payments, During that time our mortgage company changed and we found we were very behind on the and were unable to make payments. At this point we are completely under water. 
There was a XX/XX/XXXX foreclosure date set. We asked the judge to adjourn and that was granted. The foreclosure was postponed until XX/XX/XXXX. 
The issue is we submitted a complete short sale packet on XX/XX/XXXX. The lender denied the offer due to not a sufficient offer. They did not counter or anything. 

The adjournment was granted and a new foreclosure date was set for XX/XX/XXXX BUT the issue is Fay Servicing says they are requiring 37 days prior to the foreclosure sale in order to review for a short sale. 
They didn't postpone for enough time. Can you please postpone longer than 37 days so we can properly get the short sale review opened up?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) EQUIFAX, XXXX, AND XXXX USES FORIEGN OFFSHORE XXXX XXXX TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE XXXXXXXX XXXX ASSETS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The below company placed a hard inquiry on my credit report for a credit card that I did not apply for. I have no accounts/ have never had any accounts with this company. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: MI

Complaint narrative:
I believe my information might have been in someone elses hands or might be part of a breach these inquiries and account dont belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: DISCOVER BANK
State: GA

Complaint narrative:
I have received letters from credit card companies, XXXX XXXX XXXX approved and then they applied for Discover cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: NV

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 usc 1681i ( 5 ) i waited 30 days and received my investigation and notice everything was still the same.

the consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or removed anything. the date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

which is violation.this is impacting me from moving forward to a new apartment for my family. 

I attach my previous credit report and my new credit report to show how XXXX, transunion and XXXX violated my Rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: NV

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 usc 1681i ( 5 ) i waited 30 days and received my investigation and notice everything was still the same. 
the consumer reporting agencies which is equifix, XXXX XXXX XXXXXXXX did not modify or removed anything. the date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports.

which is violation.this is impacting me from moving forward to a new apartment for my family. 

I attach my previous credit report and my new credit report to show how XXXX, XXXX and equifix violated my Rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I believe someone else has used my name I dont owe any debt to this company has a result Im getting a collection on my profile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
At XXXX today XX/XX/2023 i added XXXX $ from my gift cards onto my square business account and updated my debit card information from signal financial to XXXX XXXX the Square application. After completing this, i went to internal transfer and could not. Upon this i opened a ticket on Square and then my account says it will be reviewed in XXXX. by XXXX today I received an " No-reply '' email from XXXX talking XXXX my account has been deactivated, and i won't get my funds until 90 days or XX/XX/XXXX with no explanation, nothing provided. When i called via phone the representative XXXX said to reply to that " No-reply message '' of which i have not received a response. I notified that I would file a police report in my district, report to FTC and file with CFPB immediately. I don't know what business practice was attempted here but this is unacceptable and is what i consider theft. Also, the person XXXX said i should read section XXXX and XXXX from squares policy ( Of which wasn't provided ) in addition to that the sections don't even apply to my person or account. Please advise & assist immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation