vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 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: VA

Complaint narrative:
According to " A Summary of Your Rights Under the Fair Credit Reporting Act '' : You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items ( usually within 30 days ) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the CRA. ( The source also must advise national CRAs- to which it has provided the data- of any error. ) The CRA must give you a written report of the investigation, and a copy of your report if the investigation results in any change. If the CRAs investigation does not resolve the dispute, you may add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report be notified of the change. 

It has been more than 30 days and TransUnion has instructed me that it is not their job to investigate when " 15 U.S.C. 1681-1681u '' states otherwise.

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 2023-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
Aidvantage formally known as XXXX keep placing my loans in forbearance after I told them not too and I supposed to be under income driven payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is a fraud case with my business checking account. I own a construction company and was given a fraudulent check to deposit into my business checking account for a closing on a piece of property. We deposited the check like we have for almost 30 years. Our bank made the funds available. We didnt ' feel like anything was wrong. We followed the wire instructions to send to closing and then found out the check was fraud. We have contacted the police, FTC, Attorney General, the other bank it was wired to, XXXX fraud dept at Chase bank, FBI, and now here. We can not get anyone to help us. My own bank ( Chase ) dismisses us like we are the criminal. I am at my wits end and are about to loose my business because of this. Can someone PLease help me? 

THanks so much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX, I tried to log into XXXX XXXX with XXXX and it keeps telling me that it is having technical issues. It will not let me log in even when I gave it my photo id and after several attempts are emailing me verification codes. This is happening on both the app on the phone and the desktop. I got in touch with customer support and they tell me to use a different email address. I use my XXXX email address and they tell me to put in another customer support request. I do that and it won't accept either user id. It tells me that I made too many requests. I think this is a fraudulent app and the URL : XXXX XXXX XXXXXXXX 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 2023-07-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello good morning I have been trying to resolve an account that was opened fraudulently with Capital One for over a year now. 

They had removed the account and they added it back to my credit report stating that it was in fact me. I have sent police reports and mailed personal statements to the credit bureaus and Capital One stating that I have no knowledge of this account and that it was opened without my consent. I have disputed multiple accounts unfortunately because my personal information was stolen from me. A police report was made and the date is listed with the attached file. I have since put credit locks on my account and have done everything within my power to prevent this from occurring again. I have asked Captial One what proof that they have that was in fact me opening this account and they refuse to let me know. A woman stated " They can not tell me because of privacy '' I have had a XXXX number for over 8 years now. That doesn't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Ive been banking with Chase since 2006, nothing was wrong until last month, they closed all of my accounts. I tried to call them to ask about it, they just said seems like Chase ended relationship with me. I didnt do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
The email sent to me stated that {$580.00} was deducted automatically from my account. 
The person on the phone I talked to stated I was hacked by a known hacker and he purchased an IPhone in my name. When I started getting suspicious of the nature of this call, the " representative '' hung up. When I called XXXX again, a lady answered and got aggressive when I told her I thought it was a scam and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/2023 a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to KIA Motor Finance for $ {$4900.00} and not excepted due to Kia Finance not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me. 

During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them. 

I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from Kia Finance to be updated to paid off when that is what happen and my refund issued 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 explanation
Consumer complaint received 2023-07-05 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. 

I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from me. 

XXXX regards 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 2023-07-05 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: NJ

Complaint narrative:
I have sent several written requests to TransUnion to remove erroneous accounts and information from my credit report. It has been almost a year since I sent the first letter, and to date, they have not removed the information or provided valid proof that the information or accounts are correctly reporting. I sent the letters certified on XXXX occasions to make sure that they received them ( XX/XX/22 and XX/XX/22 ). Both times, I was able to verify that the letters were delivered to TransUnion. And, both times, I did not receive a response. I even waited past the 30 days that they are allotted to review and respond. I have given ample time for them to review my request and rectify the situation, but, they either do not respond, or they state that the information is correct as it is reported. I have provided all of the information to them that my credit report shows, and I provided my credentials to verify my identity and address. At this point, I am lost on how to get them to fix these errors they continue to report. I have attached all of the letters I sent to them for your reference.

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 2023-07-05 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: GA

Complaint narrative:
I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX. Phone number is disconnected XXXX has placed a collection on my credit profile and removed it from my profile XXXX times and placed it back again after it has been ran as a charge off. This account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE XXXX Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX. Phone number is disconnected XXXX has placed a collection on my credit profile and removed it from my profile two times and placed it back again after it has been ran as a charge off. This account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE XXXX Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed

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 2023-07-05 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: Aqua Finance, Inc.
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I called Wells Fargo on XX/XX/XXXX to advise them of a fraudulent charge on my XXXX account dated XX/XX/XXXX listed as XXXXr {$310.00}. They opened an Investigation during the investigation it was determined that XXXXXXXX  has been taking anywhere from XXXX cents a month from my account starting in XX/XX/XXXX. Wells Fargo closed the Investigation and issues me a final credit of XXXX cent. They are refusing to refund my money from the date of XX/XX/XXXX because they say they only pay for fraud for the first XXXX days from the date it started and they don't have to return my money due to the time frame. I was not aware of the other transactions and they don't concern me as they sum was low. I would like to have my money returned and Wells Fargo stick by their fraud protection guarantee.

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 2023-07-05 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: FL

Complaint narrative:
I, XXXX XXXX XXXX am writing to complaints on wrong information on my credit report. The following addresses are inacurate and not my current or correct addresses : XXXX XXXX XXXX XXXX, FL. 
XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX. The following inquiries are on my report that were not applied for by me : 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 
PLEASE REMOVE AND DELETE ALL INACCURATE INFORMATION 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 2023-07-05 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: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-05 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/XXXX JC pennyXXXX Synchrony Bank placed a hard inquiry on my credit report. I have contacted them 10 times over 12 months. Each time they told me it would be removed via fraud. I have been given case numbers # XXXX and # XXXX. I contacted them again today XX/XX/XXXX as it still appears in my credit reports. All credit reporting agencies tell me they won't remove it as when I dispute it they then contact Jc penny/Synchrony Bank and they tell them its accurate information. This has affected my credit and resulted in me paying more interest and now qualify for cheaper rates. I want a notice in writing stating it's ment to be removed. I want them to also send this notice to all credit reporting agencies with in 30 days.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I purchased my home XX/XX/2015. I've never been late making my mortgage payments. All my accounts have been paid on time. For the past four years my FICA score seems to be frozen. At the time I purchased my home my score was XXXX. For the past XXXX years my score has been XXXX. 
XXXX years ago I hired a credit repair company to help me raise my score. I paid him {$500.00}. After one year nothing happened. Later I thought I would hire a professional credit repair company named Debt Solutions Service. I paid them {$5600.00} after XXXX year nothing happened. Again, I heard of XXXX XXXX. I hired XXXX XXXX and paid them {$14000.00}. After XXXX XXXX years my score was still around {$580.00}. So, I decided to try to correct my own credit score. I contacted Equifax they had me do a number of transactions to help me raise my credit score. First, they had me send letters to all my previous accounts. Equifax had me send them documents showing that I've paid off my car and show that I paid off XXXX on my student loans. After XXXX XXXX years my score is still around XXXX, they had me to do a number of transactions which was file disputes on my credit report, correct errors on my credit report. They had me gather all my documents and send copies to the customer service department which I did. Fourth, when I called. The representative acted like there in training. I asked them a question then they put me on hold for a long time. When they returned they couldn't answer my question. I told them I mailed the documents return receipt. He replied he doesn't know what happened to my documents. I asked to speak with a supervisor and asked him the same question. He also said he doesn't know what happened to my documents. they both told me they would get back to me with an update. Well, of course they didn't call me back. I'm asking you to help me with this agency. I've also contacted XXXX credit Bureau and XXXX credit Bureau to file dissatisfaction with them. 
The reason I want to adjust my focus score is because when I purchased my home. I had a 4.6 % interest rate. I could not take advantage of the XXXX and 3 % rate that I was eligible for. All three reporting agencies cost me many thousands of dollars because of their incorrect reporting I would appreciate some help with XXXX to correct my credit score. This year I need to buy a car and apply for a second mortgage. I don't want any problem getting financed. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation