vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2022-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE HELP! I FEEL HELPLESSLY TAKEN ADVANTAGE OF, BULLIED & MANIPULATED BY TRANSUNION! 

I currently have new information regarding two CFPB complaints ; # XXXX and # XXXX, in which TransUnion and XXXX are taken advantage of me as a consumer and breaking protection laws. TransUnion is allowing this fraudulent account to report on my consumer credit report although I have submitted my FTC Report, ID and social security card as proof that this account is fraudulent. I have submitted all of those attachments and evidence of TransUnion 's criminal activity. 

I have called on the phone and submitted many disputes since XX/XX/2021, TRANSUNION IS REFUSING to completely remove this account. Instead they are updating it. Fraud is fraud and TransUnion is perpetuating this fraud by continuing to report it. 

I SUBMITTED MY FTC IDENTITY THEFT REPORT ALMOST 2 MONTHS AGO.

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX and It's been so agitating waiting for TransUnion 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX Date of inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020

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 2022-02-15 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: MD

Complaint narrative:
I have sent numerous letters asking for validation and have yet to receive proper documentation to validate the alleged accounts. These accounts are hindering my ability to receive a well-deserved promotion in my career. Please provide proper validation or remove the alleged accounts immediately. 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 non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with XXXX with the account number XXXX but I was never late on making my payment. However, the 30 days late which was tagged in the month on XX/XX/2021 was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase XXXX credit card has the new benefit as {$50.00} hotel credit on the Chase Sapphire XXXX. I met all the terms and completed my hotel stay on XXXX XXXX with Chase and paid in full {$150.00}. However, upon my statement issued, I haven't seen any credit posted yet. 
I called the customer service and three different representatives all acknowledged that I med the criteria and it is strange that I didn't get the credit. However, they all refuse to issues the credit or submit the escalation request on my behalf. The issues remains unsolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have sent remittance to them twice and they put a restriction on the account. They are not allowed to restrict anything. They are trying to have me commit a crime by paying a debt with a debt. I have sent a cease and desist along with a debt violation. The company has not responded to either. They received both XXXX XXXX Ally Financial/Ally bank dated a repossession letter XXXX XXXX. I received the letter XXXX XXXXAlly Financial is in violation pursuant to 15 usc 1692e false and misleading representation. They have threatened to take my property. They have threatened to report late payment to consumer reporting agencies. I did not give them written instructions to do so.

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 2022-02-15 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: PA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: PA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lending Club Corp
State: MI

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX are reporting inaccurate information on LENDING CLUB CORP with account number XXXX. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Removal of TRANSUNION EXTENDED FRAUD ALERT : TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( 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 2022-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX Santander Consumer USA sent XXXX XXXX out to my home to seize the car .Defendant is an Illinois corporation with its headquarters located at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX in the XXXX XXXX of Texas XXXX This case was previously settled in court after I filled a complaint on XX/XX/XXXX see your files,XXXX consumer protection file number - The statute of limitations has expired and Santander is still sending people to my house in an effort to harass me and my son. Please make them stop and take my vehicle off any list of recovery agencies they may have. They are aware of this debt expiration date and still harass me and my son. I wish to take legal action through you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
Case no : XXXX CFPB closed this case prematurely. Discover clearly states in their letter to expect a response within 30-90 days and CFPB closed the case before the response was received. Please reopen the case as it is NOT settled. 
We can solve this case in one day. All Discover bank has to do is to show the signature on the credit card application form AND the I.D . Used by the applicant and we will have our answer. 
Like I said I was living overseas since 2010 with NO legal address or utility bills hence could not produced the same. 
Do the right thing. Do not close this case until it is resolved. 
Thank you. 
XXXX. XXXX XXXX. 
( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: MD

Complaint narrative:
In accordance with the Trial Period Payment Agreement signed XX/XX/2021, Land Home Financial Services is in violation of this agreement. This is formal notice of violation of said agreement. Refer to page 2, bullet point one. 

" Any pending foreclosure action or proceeding that has been suspended during the trial period may be resumed if you are notified in writing that you failed to comply with the terms of the trial period plan or do not qualify for a permanent modification. You will receive notice at your normal mailing address for receiving notices from us. '' Resumption of the foreclosure action was to take place if proper notice was given, yet Land Home resumed such action without sending proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion report an unknown creditor ( XXXX XXXX ) on my report that caused my credit score to drop XXXX points on XX/XX/2021. I have constantly spoke with Transunion and XXXX XXXX  about this issue. I first saw it on XXXX XXXX and immediately contacted Transunion about the issue. They indicated that my score did drop by XXXX points but have no idea why it dropped. I contacted Transunion again and now they are saying that I paid off XXXX debts and that why it dropped XXXX points, which is unheard of. Credit scores increases of you paid off debts. I would like this issue to investigated. I have evidence that this happened.

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 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I've called the number provided but nobody respond. I'm requesting a copy of the voicemail on XX/XX/XXXX with Capital One. The phone records indicates the phone calls last for 20+ minutes with Capital One. In this call, Capital One agent explained the nature of the XXXX Transactions. I've requested the copy over the phone multiple times but I never receive the transcript of this call. 

Also I've attached a copy of the voice call in a later date. In this call, the agent explained very clear XXXX is not revokable. Please review it carefully. 

Since the Demand for Arbitration has been sent two weeks ago, please circle inside to find the related docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: MD

Complaint narrative:
I checked my personal credit report, which I acquired from the three bureaus on XX/XX/XXXX and I noticed multiple unauthorized credit inquiries had been made. 
I contacted all parties involved, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the following companies who made an inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX, Inquiry date : XXXX XXXX, XXXX, XXXX XXXX, Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/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 2022-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Atlantica, LLC
State: MD

Complaint narrative:
In accordance with the Trial Period Payment Agreement signed XX/XX/2021, XXXX XXXX XXXX XXXX is in violation of this agreement. This is formal notice of violation of said agreement. Refer to page 2, bullet point XXXX. 

" Any pending foreclosure action or proceeding that has been suspended during the trial period may be resumed if you are notified in writing that you failed to comply with the terms of the trial period plan or do not qualify for a permanent modification. You will receive notice at your normal mailing address for receiving notices from us. '' Resumption of the foreclosure action was to take place if proper notice was given, yet XXXX XXXX resumed such action without sending proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
There was fraud that started using XXXX from my Chase account on XX/XX/XXXX. I reported it to the local Chase Bank ( XXXX  XXXX XXXX. XXXX ) and we began the process. The account was then frozen and online banking was no longer available. 
The person ( XXXX ) continued to move funds using my personal checking, business checking, personal savings, and business savings. To this, I received alerts daily via email that Chase was declining the transactions, but it kept me from doing anything online. I was using to XXXX number to see if there was a balance in any of the XXXX accounts to go withdraw available funds. 
Through research and mulitple bank visits, it was discovered that they had added phone numbers to the accounts to use XXXX to move funds. The agent even called the person 's phone thinking they were calling me, only to realize it wasn't me after I gave the correct number. 
Now they are asking me figure out a new claim amount because they have paid back what was reported. Amounts are not correct... therefore there is balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
My old place of residency is trying to charge me more than what we originally agreed to what I will pay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: ATG Credit, LLC
State: IL

Complaint narrative:
atg is not providing me with a signed by me copy of bill stating i owe this amount a signed copy is needed by atg also a copy of hipaa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: VA

Complaint narrative:
The XXXX  at XXXX  put me in collection and never notified and told me what it was for. I received this when I moved out about 1.5-2 years ago. Attempted to fix it but havent gotten any information. Many failed attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Self Financial Inc.
State: MI

Complaint narrative:
Ive filed bankruptcy and discharged back in XX/XX/2020. Self lender along with XXXX major bureaus. XXXX XXXX and XXXX continue to investigate my dispute and come back with verified as accurate. Ive called self who confirms they received notice of bankruptcy and have advised bureaus of information. Im not asking for this inaccurate info be removed as its been inaccurately reporting causing damage to my score and Ive just obtained new auto loan and interest rate was for sure impacted by this negative item. Im requesting this be removed immediately from my report and documents sent to me advising of such removal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian shows that the inquiries on my Experian credit report will be removed 25 months after the inquiry. However, I thought inquiries stay on your credit report for up to 24 months. 

I continously call Experian on the 2 year anniversary of the inquiry and usually a dispute is opened and the inquiry is removed. 

On XX/XX/XXXX I contacted Experian regarding an inquiry from XX/XX/XXXX and I requested the removal of the inquiry and I was told that inquiries stayed on your credit profile for 25 months. The dispute was not open and the inquiry remains. Please advise.

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