vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 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: NJ

Complaint narrative:
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 The Above inquiries appeared on all three consumer credit reporting agencies ( XXXX, Equifax and XXXX ) XXXX 

With the exception of XXXX ( I have both an auto loan and consumer credit card with them. ), I do not have an account nor have ever applied for credit from any of the above creditors. I contacted XXXX ( XXXX ) to inquire why all of these hard inquiries are on my consumer reports. They stated that they were applications for their business credit card. I informed them that I did not apply for their business credit card and to please remove the inquiries. Any applications are fraudulent especially with such frequency. XXXX said they would look into the matter and would make a determination within 60 to 90 days. I asked them for a letter stating this fact so I could forward it to the credit reporting agencies and hopefully expedite the process of removing the inquiries. They said they could not furnish me with a letter. The same situation exists with XXXX XXXX. I contacted XXXX XXXX Bank and they stated that they have no record of me applying for any of their credit products however, a hard inquiry is present on all three reporting agencies. They too said they could not furnish me a letter since I don't have an account and have never applied for one. I have contacted each of the consumer credit reporting agencies multiple times by phone as well as sent letters via USPS and via fax ; disputing the validity of these hard inquiries. In addition, I initiated an internal online Equifax dispute dated XXXX Confirmation number : XXXX which resulted in Equifax " verifying '' the inquiries except for the XXXX ( XXXX ). The XXXX inquiries were removed from Equifax. Equifax also put a fraud notice on my account and mailed me a notice of such as well as informing the other reporting agencies about the fraud notice. I'd like to know how Equifax can verify some accounts and not the others. Such as the XXXX XXXX bank which admits they don't even have an application or account on file but Equifax and the others " verify '' the inquiry. I have demanded that each consumer credit reporting agency give me PROOF of their so called " verification '' and not one has ever done that or even responded to my letters. 

I have also sent letters via USPS directly to the creditors demanding that they take action to correct the problem or be subject to legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello I went to chase bank on XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX on XX/XX/2023 to do wire but they said it is cheaper to do it with your phone so they showed me how to do it and I did a wire transfer through my phone for {$880.00}. I got receipt number XXXX. It said date funds available XXXX XX/XX/2023. I waited then the person I sent the money to still didnt get it yet. Then I went to bank they said we cant help you you did it in your phone. I have receipt transaction number proof of payment and everything. Manager told me cant help me I have to message them on messaging center. I did that then they ask for my receipient information I submitted that. They told me to wait another 2-3 days while all this is going to on every two to three days the weekend comes so technically I was losing 5 days to waiting for my payment to get to my receipient. Still didnt get it contact chase executive office spoke to wire transfer specialist he gave me this case number XXXX he told me we will send them communication they have the funds now wait for their response another two to three days. I wait another week then I call and he goes they didnt respond so Im gon na go my higher ups and get them involved. Another two three days. Then again I called today XX/XX/2023 49 days later he goes no response for that bank. So that was my hard earned money saved. And chase bank cant help me. I need help please help me resolve my issue I will highly appreciate that. 

If you need any receipts Proof of payment I can email you Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I pulled my credit reports as I have been XXXX since XX/XX/XXXX and was just released on XX/XX/XXXX. There are several inaccurate items listed on my reports that should not be there. I have both soft and hard inquiries on my report that I did not do or authorize such as XXXX XXXX, Capital One, XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: AZ

Complaint narrative:
The original debt is it mine its from XXXX from my ex while I was XXXX in XXXX and now Jefferson capital collection is trying to ruin my credit. 
Account info Account number XXXX Date opened XXXX XXXX, 2022 Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: DC

Complaint narrative:
Per 15 USC 1681 ( a ) ( 4 ) my rights have been violated, each and every account that is on my consumer report should not be facing the public, Per 15 USC 1681b ( a ) ( 2 ) I have never and will never ever give written permission for any consumer report agency to violate my privacy slandering my name or put any hearsay under my consumer report per 15 USC 1681 ( b ) they did not use manner which is fair and equitable to I the consumer and reporting negative allegations without written permission, per 15 USC 1692 ( f ) also per 15 USC 1681n you have to have written permission, also all of the other addresses and other so-called names that have been used that are not mine need to be removed as well as all in each address that is on there that is not mine need to be removed the only name and address that should be on my consumer report is By : XXXX XXXX XXXX And the only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: TN

Complaint narrative:
I submitted a credit repair request to all 3 bureaus, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-21 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: MO

Complaint narrative:
This is not a duplicate complaint. I became a victim of Identity Theft, I had received in XXXX, 2023 phone call and been asked to confirm my information, that call was from a very strange merchant, so that time I didn't pay attention about call, but soon later I found out that some strange mail I started to receive. So, I went to my bank and was advised to check my report. Upon checking my report I noticed a hard inquiries that I NEVER AUTHORIZED. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. You are reporting the INQUIRIES that is the result of the fraudulent activities. I must note that I did not apply for a credit account with the below listed company and creditor. Therefore, this inquiry must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record. As a consumer I should NOT be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditor can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. The inquiries were not authorized : XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 ; XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, 2023 Please remove this inaccurate information from my credit report. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, this item does not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that this listed item be DELETED!

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 2023-02-21 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


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 XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Date : XX/XX/2022 Amount : {$110.00} Actions : I was never notified of any fees once I switched insurance companies form XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. XXXX sold my car insurance without my knowledge to a 3rd party collection service.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
US Bank Calculated Escrow payments to include the supplemental property tax for a new construction home. I let them know XX/XX/01 about the new amount which i had just enough in escrow. US bank took XXXX, charged me an advance, and then charged me interest on that advance. They said they with-drawled and payed the county but they did not. It's been two month and about to get a second property tax delinquent notice. A manager said that I was supposed to get the advanced back. They incorrectly with drew XXXX in additional which triggered the advance + interest charge. On top of all that they didn't pay the county. They wont provide me with the tracking id since they said they couldn't pay electronically and they have to mail the physical check. With Late feeds instead of XXXX taxes, the county says i owe XXXX. 


Now they don't pick up when I call. I still pay my mortgage but I will have a lien on house to failure to pay property taxes.

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 monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FC HoldCo LLC
State: OH

Complaint narrative:
not correct address on account that over ten years old account that been on report for seven years

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 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I got the auto loan in XXXX and the car was repossessed in XXXX. It was sold at for a little over XXXX XXXX. It was updated on my credit report in XXXX.Ever since it continues to be updated and listed as a personal loan on my credit report and it appears to be renewed, every time the removal date comes up. There is no balance due, this is just malicious, I'm fairly certain this violates the fair credit 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 explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I got the auto loan in XXXX and the car was repossessed in XXXX. It was sold at for a little over 8 thousand. It was updated on my credit report in XXXX.Ever since it continues to be updated and listed as a personal loan on my credit report and it appears to be renewed, every time the removal date comes up. There is no balance due, this is just malicious, I'm fairly certain this violates the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I got the auto loan in XXXX and the car was repossessed in XXXX. It was sold at for a little over 8 thousand. It was updated on my credit report in XXXX.Ever since it continues to be updated and listed as a personal loan on my credit report and it appears to be renewed, every time the removal date comes up. There is no balance due, this is just malicious, I'm fairly certain this violates the fair credit 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 explanation
Consumer complaint received 2023-02-21 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: TX

Complaint narrative:
XX/XX/XXXX I sent a request to The 3 Consumer Reporting Agencies reporting inaccuracies listed on my COnsumer Report. In XX/XX/XXXX, XXXX acknowledged the errors and deleted the inaccurate accounts from my consumer report. 

Incompliance with the FCRA 611 ( a ) ( 5 ) ( d ), Consumer reporting agencies use a ACDV ( automated consumer dispute verification ) system, there is a feature designed to provide consistency in consumer reports across the various reporting agencies. The XXXXXXXX XXXX XXXX feature was designed to have any changes, deletion be communicated to the various reporting agencies. I requested that Experian and XXXX review the deletions processed by XXXX and update my consumer report with said information. Not sending the XXXX XXXX XXXX is in itself a violation. I attached the initial credit report from XX/XX/XXXX and the modified consumer report from XX/XX/XXXX showing the deletions. 

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 explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
In XXXX - XXXX I applied for the COVID Forbearance assistance from Carrington Mortgage through the VA due to family circumstances during the pandemic. In XX/XX/XXXX we started a loan modification to catch up on my loan. We are now fully caught up and paying on the house as required. In XX/XX/XXXX I reached out to a real estate agent to sell my house due to medical bills accumulated during Covid-19 and had started to look for avenues to sell the house. During the time we had decided that a VA loan assumption would be most helpful due to some damages to the house ( Notably carpet from a rescued cat and a deck that needed to be redone ). We contacted Carrington in XX/XX/XXXX to get pre-approved for my house to be assumed, they ( Carrington Mortgage ) said that they would need some more time to decide due to the previous loan modification. About a week later ( I do not remember the specific time ) they called me and informed me that I would be able to sell my house through a loan assumption and proceeded to send me the paperwork. I received the paperwork in the first week of XXXX, forwarded the paperwork to the buyer, and Carrington received the paperwork on XXXX XX/XX/XXXX. I followed up SEVERAL times ( I have an average of 3 calls per month between then and XXXX XXXX ) asking for a follow up and was only told it was in underwriting. 

On XXXX XXXX the buyer reached out to me asking for information about the loan assumption so I called Carrington and made the Buyer an authorized user on the account so they could receive information. The information she received that day was that the loan could not be assumed due to the loan modification. This was never brought up during these calls when I asked for a status update and the buyer was told this before I was. This caused the sale to fall through and us to pull my house off the market due to the housing market to drop. 

This sale was vital to my family and myself to care for bills that had been accumulated while working through covid, both medical and otherwise, and the sale of the house would have prevented over {$35000.00} in wage garnishments and a further XXXX in debt that it was going to be used to fully pay off. 

Please understand, I'm not upset that we couldn't have my VA loan assumed ( however, after talking to the VA, I was told this would NEVER be the case and ALL VA loans can be assumed ), I'm upset that Carrington Mortgage waited TWO MONTHS to not even contact me to cancel the assumption AFTER I was pre-approved to have my loan assumed. I could have worked with the lawyers in our bills and not have had my wages garnished, but still worked over time to pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a victim of identity theft and I have submitted all required documents to XXXX and XXXX but none of them have removed the fraudulent accounts from my report EVEN when creditors have acknowledged the Identity theft situation, I have contacted Bank of America in regards of the account XXXX being reported in my credit and they do recognize that said account doesn't have my social security number, neither my zip code nor address, only my name, but that account is still being reported to my credit by XXXX. In the case of XXXX reporting on XXXX and XXXX XXXX, those accounts are consequences of identity theft, XXXX is reporting that account with another person and they do not delete that information from my report on both XXXX and 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