vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
XX/XX/XXXX JPMCB Card Services made an unauthorized inquiry and received an unauthorized copy of my Credit Report from XXXX. I am requesting the removal of the inquiry from my credit report. 

XX/XX/XXXX, a credit card was taken out fraudulently in my name at XXXX XXXX XXXX. The account was closed and charged off {$640.00}. XXXX has acknowledged this as fraud and identity theft however has taken no steps to remove from my credit report. XXXX XXXX Bank is negatively affecting my XXXX score and therefore I have had to pay higher interest rates on a car loan. Shame on you XXXX! Please rescind from XXXX, XXXX XXXX and XXXX. This has gone on far too long!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I have had a creadit score around XXXX for over a year now. ( adding report attached ) I recently submitted a dispute through experian regarding what I believed to be the biggest reason why the score was not hitting XXXX, which was a false claim from XXXX - Account XXXX. They posted that I have had a late payment 2 years ago. 
Today, I receive a notification from Experian that my score decreased XXXX points. 
I suspect this is either an error or a result of actions of retaliation post my dispute either by Experian or the XXXX account. 
.I was not offered information in regards to the decision either. I look forward to your help. 
I have worked very hard to build my score and this is beyond unacceptable. 
Thank you so much

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All three credit bureaus XXXX XXXX Trans Union are showing my Student loans with balances in which my loans has been paid in full. This adverse information is harming my credit report with this inaccurate information reporting.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All three credit bureaus XXXX Equifax XXXX XXXX are showing my Student loans with balances in which my loans has been paid in full. This adverse information is harming my credit report with this inaccurate information reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN : CFPB I need you to engage in enforcement action on my behalf against Equifax. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold Equifax accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to XXXX, XXXX, and Equifax. I've attached proof that USPS delivered and signatures upon receipt. 
Equifax : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent account due to identity theft : XXXX XXXX XXXX Amount : {$920.00} Fraudulent inquiries due to identity theft : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
This account is a fradulent account i have attached my FTC Report along with this. I was XXXX when this account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
OK IN XXXX I OPENED AN ACCOUNT WITH CHASE AND YOU HAVE TO FUND THE ACCOUNT BEFORE THE 30 DAY MARK AND I HAD NO WAY TO DO THAT SO I WENT TO A BRANCH IN XXXX GA AND THEY STATED THAT I WOULD NOT BE ABLE TO OPEN A NEW ACCOUNT UNTILL I SPEAK WITH THE FRAUD DEPARTMENT THATS WHAT THE MANAGER SAID SO I DID IN XXXX I DECICED I WANTED TO OPEN A CHASE BUSSINESS ACCOUNT AND I SPOKE WITH SOMEONE REGARDING ISSUES WITH THE APPLACATION ISSUE SO I SPOKE TO THE FRUAD DEPARTMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: ADP Inc.
State: AL

Complaint narrative:
I started working at XXXX XXXX on XX/XX/XXXX. I received the Wisely by ADP card for my tips and paychecks. When I began working I gave my employer my social security card and ID. When they went to activate my card they sent in the wrong social security number. My employer and I have contacted them six times now ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX being the 4th time ) to get this matter resolved. They requested for me to send my ID and Social Security Card over which I have done 4 times now. 

Yesterday was the third time I have sent the documents as requested over and was told to call back in 24 hours and it should be fixed. This has been going on for almost 3 weeks now. I have sent the info they wanted and still can not get my card fixed so that I can get my paycheck which is how I eat. Please help me get this fixed. I have no money to my name and I have been paid through this card many times and can not get to the money yet. I NEED THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  XXXX has a Installment loan that is on my TRANSUNION report that is NOT MINE. I called XXXX Customer Service and asked them what this loan was for and they told me it was for a XXXX XXXX XXXX XXXX XXXX XXXX GA, I live in XXXX XXXX XXXX. XXXX hours away. I asked for the address on file and it was from a old address on a house I sold 9 months ago, I asked for the DOB on file and it was NOT my DOB, I asked for the SS # on file and the rep said they could not provide it for me but it was not the one I gave them. I asked for them to send me a copy of the signed loan agreement and it has a credit score of XXXX on it as of XX/XX/XXXX. My score was higher than that on XX/XX/XXXX in TRANSUNION bureau, proving the SS @ on file on this loan is NOT MINE. So basically XXXX XXXX  XXXX are doing fake loans on unsuspecting consumers using just their old address and putting in fake SS # and DOBs. I contacted TRANSUNION and filed a dispute and they said it was up to creditor to remove. XXXX wanted me to file a Police report and send in copy of my DL to them, no way I am sending them this info when they are already committing fraud, making up fake loans. 

How can you have a Installment loan on my credit report when the loan : 1. Doesnt have correct DOB 2, Doesnt have my signed consent 3. Doesnt have correct SS # 4. Doesnt have my correct address 5. Doesnt have a photo ID of me If they had a copy of my Drivers License the XXXX XXXX be right would it not? 

This is blatant lender fraud. Making up and funding loans on unsuspecting customers using bits of information.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  XXXX has a Installment loan that is on my TRANSUNION report that is NOT MINE. I called XXXX Customer Service and asked them what this loan was for and they told me it was for a XXXX XXXX XXXX XXXX XXXX XXXX GA, I live in XXXX XXXX XXXX. XXXX hours away. I asked for the address on file and it was from a old address on a house I sold 9 months ago, I asked for the DOB on file and it was NOT my DOB, I asked for the SS # on file and the rep said they could not provide it for me but it was not the one I gave them. I asked for them to send me a copy of the signed loan agreement and it has a credit score of XXXX on it as of XX/XX/XXXX. My score was higher than that on XX/XX/XXXX in TRANSUNION bureau, proving the SS @ on file on this loan is NOT MINE. So basically XXXXXXXX XXXX XXXXXXXX are doing fake loans on unsuspecting consumers using just their old address and putting in fake SS # and DOBs. I contacted TRANSUNION and filed a dispute and they said it was up to creditor to remove. XXXX wanted me to file a Police report and send in copy of my DL to them, no way I am sending them this info when they are already committing fraud, making up fake loans. 
How can you have a Installment loan on my credit report when the loan : 1. Doesnt have correct DOB 2, Doesnt have my signed consent 3. Doesnt have correct SS # 4. Doesnt have my correct address 5. Doesnt have a photo ID of me If they had a copy of my Drivers License the DOB would be right would it not?

This is blatant lender fraud. Making up and funding loans on unsuspecting customers using bits of information.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company has violated my rights and privacy as of XX/XX/2023 according to 15 USC 1681a ( 2 ) ( B ) by illegally sharing a personal experience of late payments on my credit report without my consent or request. My score has dropped over XXXX points due to this inaccuracy and is directly affecting my personal and business endeavors. I have reached out to Capital One/ Walmart numerous times to resolve this matter but have not been successful reaching an agent who is willing or capable of helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please remove this medical collections as this is not mine!

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have contacted my loan borrower quite a few times to get an answer on why my payment of {$9600.00} on XX/XX/XXXX is not reflecting on my balance. Only {$3100.00} was processed for the payment. 

Attempts of calls with long waits ( wait time was estimated to be less according to the automated machine system ) : XX/XX/XXXX XXXX ; waited XXXX minutes XX/XX/XXXX XXXX ; waited XXXX hour and XXXX minutes XX/XX/XXXX XXXX, waiting for XXXX minutes and told to enter the option to get a call back XX/XX/XXXX XXXX ; I emailed them to their written request email XX/XX/XXXX XXXX ; got the call back, talked to a woman ( call was XXXX minutes ), and she did not have an answer for me but did submit a request XX/XX/XXXX received a submission request confirmation email and to wait XXXX days to get to me XX/XX/XXXX I replied back to that submission request email I had received on XX/XX/XXXX because the timeframe stated was past due and I would like to resolve this issue XX/XX/XXXX I made three calls ( XXXX, XXXX and XXXX ), I would dial my selection to be able to speak to a representative but all of the calls would dropped until the last XXXX stated the center was closed. Their hours are Eastern time and I am on the XXXX time, their website states they closed at XXXX, which the center should have been open at the time I called. 

XX/XX/XXXX XXXX, was able to speak to a representative, XXXX XXXX after waiting for XXXX hours. She did speak to high supervisors concern my issue and then mentioned the payment does show up on their system, yet due to being a big amount of payment they were doing a deeper investigation on it. Did not give an estimated time on how long this can take.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well Fargo transferred my loan to a XXXX XXXX XXXX as of XX/XX/2023. Ive been trying to contact the new servers but no answer only message started there was a cyber security attack as of XXXX XXXX unable to speak to anyone. Spoke XXXX today and ask what was the reason for my mortgage transfer he couldnt answer me. I explain my concerns to whats happening and questioned him if I had option to denied transfer he couldnt give me the reason why but no option to this transfer as of today XXXX XXXX Ive have not received any of my new loan services Im not even sure if my identity and information was compromised Im not even ever heard of XXXX incorporated what is this why are they trying to get rid of 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 explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I have had this Community AAA Visa card for over a year and still can't register an online account to keep track and use features of my account. The problem is on their end. I provided the requested information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Ref CFPB Case # : XXXX Affirm Loan ID : XXXX With regard to application in question. The loan application is my equitable property and should be retracted as your corporation is in breach of contract due to non performance. I have right to credit. XXXX or any other CRA do not decide my credit worthiness. Continued misinformation is violation of 15 USC 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
An account was open in my name - XXXX XXXX. I never opened this account. Show me in writing for when I have permissible purpose under 15 U.S. Code 1681b. Also a remark code was added by XXXX XXXX XXXX. Remove all negative remark codes from my consumer report. When you sign up for credit no where in the fine print does it say a company can add remark codes to your consumer report. I demand it be removed expeditiously. Remark codes and accounts I did not sign up for should not be on my consumer report if I didnt sign off on it personally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The creditor conducted this inquiry without proper authorization, and it must be removed immediately.

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 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: AZ

Complaint narrative:
XX/XX/2020! I had rented a car for my granddaughter in XXXX XXXX XXXX and the car was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But anyway XXXX XXXX police took the car in for investigation on XXXX ( Saturday )! XXXX XXXX released it on XXXX! The car rental claimed they didnt get it for 10 days! That took the rental up to {$2300.00} and US Bank let them take it and 1 deposit from government stimulus they took it but the government took it back and sent it to me! So lastly US Bank has XXXX XXXX  me to where I cant open any accounts at any bank!

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 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a bank account with Wells Fargo for years. Recently I was a victim of identity theft at not only Wells Fargo but a few other banks. A fake check written to a completely different person was deposited into my account and then withdrawn, after the check bounced it left my account negative and apparently left me on the hook to pay for it? Im not sure how else to go about this Ive written numerous complaints to try and fix this issue. Not sure what to do at this point..

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 2023-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I received a notification that a collection account was listed on my credit reports by Capio Partners. As a result of that notification, I contacted Capio Partners and spoke with XXXX who advised that the debt was owed by me and the only thing they could provide was a copy of the statements. I explained that I never received treatment from this facility nor have I ever conducted business with the organization they purchased the account from. XXXX transferred me to XXXX ( XXXX XXXX ) who advised that because I am stating the services were not received by me, they are unable to provide any information regarding this account because I was not the patient. After threatening legal action, I was advised by XXXX that the information would be deleted as a courtesy from the credit bureaus within 30 days but may be sooner as they update weekly with the bureaus. XXXX advised that I am still obligated to the debt until I provide a police report. 

Blossom advised me to follow up with an email to XXXX and reference account number XXXX for any further inquiries. 

Complaint is being filed with the CFPB to document the incident.

Company response to consumer: Closed with non-monetary relief