vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXXonsumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-11-25 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: ND

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-11-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was reviewing my credit report that found a hard inquiry that does not belong to 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 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against EQUIFAX for IDENTITY THEFT. I believe that my rights under the Fair Credit Reporting Act have been violated. EQUIFAX VIOLATED MY RIGHTS, TOOK MY NONPUBLIC PERSONAL INFORMATION AND TRANSFER IT TO NON-AFFILIATES WITHOUT MY CONSENT THAT IS IDENTITY THEFT I ASKED EQUIFAX TO PROVIDE ME WITH A CONTRACT SIGNED BY BOTH PARTY WHERE I GIVE EQUIFAX PERMISSION TO SHARE MY INFORMATION AND NONE WAS PROVIDED. MY REQUEST TO BLOCK THE INACCURATE UNVERIFIABLE INFORMATION IS NOT MADE IN ERROR ; NOR MY REQUEST TO BLOCK THE INACCURATE UNVERIFIABLE INFORMATION BEING MADE ON THE BASIS OF MATERIAL MISREPRESENTATION OF FACTS. 
MY AFFIDAVIT OF FACT, WAS RECEIVED BY EQUIFAX ON XX/XX/2023 ( A copy is hereto attached ) EQUIFAX FAILED TO REBUTE THE AFFIDAVIT POINT BY POINT AS IT WAS REQUEDTED.. 
Despite my disputes submission EQUIFAXS RESPONSE ( copy hereto attached ) failed to provide me with proof of the method of verification according to FCRA 611 ( a ) ( 7 ) 15 USC 1681 ( a ) ( 2ab ) and Title USC 24 by LAW EQUIFAX was required to send me a complete description of all methods used to investigate this dispute, this notice will include ; dates, names, I.D number, addresses, and phone numbers of the direct source of the furnisher of the information NOT THIRD PARTIES AS PER FCRA 611 ( A ) ( 7 ). TEREFORE THE INACCURATE DISPUTED INFORMATION HAVE TO BE DELETED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: MD

Complaint narrative:
Currently a victim of identify theft and requested to have this information be updated on my credit report to reflect I did not make these inquiries or open these accounts on my credit profile. I have no idea who the person is who has my information but I have added a fraud alert to my credit profile and a credit freeze. My credit report also shows my name as XXXX XXXX, my name is not that it is 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 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
they locked my account for no reason and refuse to verify my identity to unlock my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America financial institution fraud..stolen my property and equity... along with my personal bank account and they were served with a IV-D Court citation and after I did presented the court decree that they also had a copy along with the Texas Attorney General Office emailed with regards my property and personal bank account they had refused to return and granted me access to my personal bank account..financial institutions Bank of America... fraud..theft literally have had been in contempt to Court order

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 2023-11-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase has egregiously pushed HELOC Acct XXXX into foreclosure to capitalize and profit on the increase in home value. 

When Chase offers modification, it is a balloon modification seeking e.g. {$200000.00} from the consumer to accept the modification. 

Chase has FAILED to provide XXXX loan modification decision by XXXX for Account XXXX as stated in attached Chase documentation. 

Chase has BLOCKED online and telephone access to the account. When I call or write Chase they do not provide requested account information ( modification decision, HELOC loan payment history, etc. ) - Chase must provide HELOC loan modification decision.

- Chase must provide detailed HELOC loan payment history from loan inception to present. 
- Chase must give consumer access & all documentation for account for XXXX See attached documentation for evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
My loan servicer removed my balance and said that it was paid off on their own behalf, but months later resumed my previous balance. They posted a payment to my balance from their own business, then months later undone with no notice, email, communication. ( Was put to XXXX due to a payment, not dismissal )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: NY

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports infective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this breach and Equifax has done nothing. Please help with deleting these illegal accounts from my Equifax credit reports. 

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 2023-11-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
The company put paid and closed on the account, and they keep changing their dates by updating it each time I dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: Open Dealer Exchange, LLC
State: AL

Complaint narrative:
On XX/XX/2023 I experienced inquiries causing harm to my credit worthiness, and I the consumer and or the beneficiary have received no benefits according to My consumer report must be accurately & fairly investigated per 15 USC 1681 ) A Consumer Report only includes the " identity of the consumer '' nothing related to ANY transaction. This would result in violation and I demand these derogatory accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: LA

Complaint narrative:
This is not my debt. Im not sure who used my Information for this bill. This debt is hurting my credit score and my wife and I are trying to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are items on my credit report fraudulently that is harmful to my full faith in credit, There are no liens against any variation of my name in the state of New York and I have it certified. So how then are these imposters allowed to report fraud against my name for other corporations to make determination thats is violations of 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 explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
They have been denying my claim with clear evidence of an XXXX and identity theft affidavits from the IRS and FTC.

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 2023-11-25 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: ND

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: Sensible Auto Lending, LLC
State: MD

Complaint narrative:
COMPANIES tried to run my credit with out my authorization please remove inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: Byrider Franchising, LLC
State: MD

Complaint narrative:
COMPANIES tried to run my credit with out my authorization please remove inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/23, I made a purchase at Jareds in the amount of {$3600.00}. The store sales representative confirmed that the purchase would be applied a promotional rate of 0.0 % for 12 months. I agreed to this and made the purchase as this is something that I have done in the past without any issues. 

Since then, my payments were setup for automatic withdrawal from my checking account and there havent been any issues or communication other than emails confirming the payment due amount and date. There have been no emails informing me of statements or notifications of when the promotional rate was ending. 

Recently, I was getting ready to pay off the balance because I knew the XXXX deadline was approaching. As such, I logged into my online account and found that my balance was still {$3200.00}. This was a major red flag considering my payments were between {$110.00} and {$120.00} each month so I was expecting a balance closer to {$2500.00}. 

I immediately called the store to speak with my sales representative and she confirmed I should have received the promotional rate of 0.0 % for 12 months and asked that I called their credit card division of the company. I followed her request to which the credit card division said this was an error on behalf of the store and to consult with them. 

At this stage, no one is providing a resolution to the stores mistake and I have no one to turn to. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have made a deposit in the amount of {$7100.00}. It was a check from my retirement 401k account. I went into the local branch and made the deposit with a bank teller. I received a receipt stating when my funds would be available. I have written documentation from the bank stating when my funds would be available. On Friday, XX/XX/XXXX I had checked my balance and it was in the negative. The initial {$250.00} that was stated would be available was not available. I then called customer service and the representative stated the funds ( all {$7100.00} ) will be available on XX/XX/2023 at XXXX. This caused me to accrue penalty fees from my creditors due to the fact payments i made according to my fund release schedule to bounce back. I have also requested a hardship with the bank for my funds and all of a sudden they no longer do that.

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 2023-11-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my credit report and found hard inquiries that do not belong to me. This is not accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are items on my credit report fraudulently that is harmful to my full faith in credit, There are no liens against any variation of my name in the state of New York and I have it certified. So how then are these imposters allowed to report fraud against my name for other corporations to make determination thats is violations of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are items on my credit report fraudulently that is harmful to my full faith in credit, There are no liens against any variation of my name in the state of New York and I have it certified. So how then are these imposters allowed to report fraud against my name for other corporations to make determination thats is violations of 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 explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX charges of XXXX $ were taken out of my bank account.. I only use XXXX to send to my family but never any big amounts like that.the person it was sent too i dont recognize.. I never verified these transaction. I'm not sure how someone got in my td bank account but they were also able to verify using my number and that was really new to me but I filed a dispute with td bank then they said they filed one for me but I called 2 weeks later for them to update me just for them to tell me that the worker I was talking too didn't file one for a XXXX dispute... I had to re file another one this is almost a month in back and forth with them telling me something didn't everytime.. then I started receiving calls from random people claiming they work td but those probably scams Im not sure.. 
Td banks and XXXX customer services was very poor and I do feel very violated and they tried putting words in my mouth. Next step is court Companys involved -td bank -XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against TRANSUNION for IDENTITY THEFT. I believe that my rights under the Fair Credit Reporting Act have been violated. TRANSUNION VIOLATED MY RIGHTS, TOOK MY NONPUBLIC PERSONAL INFORMATION AND TRANSFER IT TO NON-AFFILIATES WITHOUT MY CONSENT THAT IS IDENTITY THEFT I ASKED TRANSUNION TO PROVIDE ME WITH A CONTRACT SIGNED BY BOTH PARTY WHERE I GIVE TRANSUNION PERMISSION TO SHARE MY INFORMATION AND NONE WAS PROVIDED. MY REQUEST TO BLOCK THE INACCURATE UNVERIFIABLE INFORMATION IS NOT MADE IN ERROR ; NOR MY REQUEST TO BLOCK THE INACCURATE UNVERIFIABLE INFORMATION BEING MADE ON THE BASIS OF MATERIAL MISREPRESENTATION OF FACTS. 
I obtained a copy of my TRANSUNION XXXX Report, this report a copy is hereto attached states inaccurate bankruptcies information in my name, along with the other items mentioned hereto. 
Upon discovering these inaccuracies, I sent TRANSUNION AN AFFIDAVIT OF FACT- STATEMENT OF BILL PROTEST ON NEGATIVELY REPORTING ON MY CONSUMER REPORT. THE AFFIDAVIT OF FACT WAS RECEIVED BY TRANSUNION ON XX/XX/2023 TRANSUNION FAILED TO REBUTE THE AFFIDAVIT POINT BY POINT ( A copy is hereto attached ) Despite my disputes submission TRANSUNIONS RESPONSE ( copy hereto attached ) failed to provide me with proof of the method of verification according to FCRA 611 ( a ) ( 7 ) 15 USC 1681 ( a ) ( 2ab ) and Title USC 24 by LAW TRANSUNION was required to send me a complete description of all methods used to investigate this dispute, this notice will include ; dates, names, I.D number, addresses, and phone numbers of the direct source of the furnisher of the information NOT THIRD PARTIES AS PER FCRA 611 ( A ) ( 7 ). TEREFORE THE INACCURATE DISPUTED INFORMATION HAVE TO 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 2023-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
GAP insurance covered my vehicle in the event my car was stolen, as well as providing an incentive of XXXX. Consumer is not liable for debt and asked BRIDECREST to provide validity of the repossession and debt for consumer. Under GAP insurance contract through Finance Companys Consumer is not liable for repossession or outstanding balance. BRIDECREST failed to provide proof of information/validity via email or Mail. Bridecrest Removed comment-Reinvestigation in progress from account between XX/XX/XXXX of XXXX XXXX but failed to provide supporting documentation after.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am not liable for alleged debt with self lender. I do not have a contract with the collection agency XXXX XXXX. Located XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX tx. XXXX. They did not provided me with the original contract that was requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2023 I experienced inquiries causing harm to my credit worthiness, and I the consumer and or the beneficiary have received no benefits according to My consumer report must be accurately & fairly investigated per 15 USC 1681 ) A Consumer Report only includes the " identity of the consumer '' nothing related to ANY transaction. This would result in violation and I demand these derogatory accounts be removed.

Company response to consumer: Closed with explanation