vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TRANSUNION is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported and the account with XXXX is FRAUD. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide documentation used to determine inquiry and XXXX account was indeed authorized by the consumer. TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used and signed application with consumer WET INK SIGNATURE. Consumer is not asking for an E-Oscar report. If TRANSUNION does not have documentation to show these were in fact authorized, it must be removed asap. Said company is liable under the SEC to follow certain rules. TRANSUNION Commission file number XXXX. I will be filing form 211 treasury omb forms to audit consumers account. TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their Consumer File NOT Consumer Report.

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 2023-05-23 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: AZ

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX - XXXX Please investigate and provide proof with a statement showing that the payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was never late. 

Thank you, 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 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I respectfully urge you to update my account with the accurate information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : US DEPARTMENT OF EDU State inquiry occurred on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX that occurred on XX/XX/ and there is XXXX that occurred on XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.

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 2023-05-23 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: CORELOGIC INC
State: KY

Complaint narrative:
on XX/XX/2021 my credit report was released to XXXX different companies without my written consent and are reporting as a hard inquiry on my credit report. 
companies include : XXXX XXXX XXXX XXXX Credco 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 2023-05-23 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: AL

Complaint narrative:
My XXXX XXXX XXXX credit card account ( account number XXXX ) was targeted by fraudsters who made unauthorized charges totaling {$300.00}. I took immediate action upon discovering the fraudulent charges by contacting XXXX XXXX XXXX XXXX  customer service to report the incident. However, to my dismay, they refused to remove the fraudulent charges from my account, leaving me responsible for the financial burden. 

The impact of this identity theft has been severe. Not only did it result in the tanking of my credit score, but I also had to bear the cost of paying off the fraudulent charges in order to close the account. Despite my relentless efforts, including writing multiple letters to the credit bureaus to dispute this fraudulent account, no proper investigation was conducted, and the account remains on my credit report to this day. 

The frustration I feel is overwhelming. Not only did I suffer financial losses due to this incident, but the charged-off account associated with the identity theft has had a devastating effect on my credit score. It is deeply unfair that I am forced to endure the consequences of someone else 's fraudulent actions and subsequently face the arduous task of rectifying this situation.

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 2023-05-23 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: PA

Complaint narrative:
I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.

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 2023-05-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: SC

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

As a consumer, I request to know all of the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of Verification-Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
Opened an Escrow Account ( joint account with buyer ) for the sales of my business on XX/XX/XXXX via M & T bank M & T bank closed the account without my permission and released the fund of {$74000.00} to the joint holder in XX/XX/XXXX. 

M & T bank did not inform the closure of the Escrow Account nor discuss the reasons of the closure M & T bank does not have authority to close the escrow account unless the buyer and I both agree to do so

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX does not belong to me, belongs to an ex spouse. UNABLE TO DISPUTE ONLINE

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 2023-05-23 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: IN

Complaint narrative:
The listed inquiries were not authorized by me. It is imperative that these fraudulent inquiries are promptly eliminated. Given that my social security information was compromised in the Equifax breach, XXXX breach, and the black market, it is crucial that these inquiries are removed. The presence of these fraudulent inquiries has caused significant distress for both my family and me, as it has resulted in being denied the essential transportation required for commuting to work and my child care provider. 

Fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: OH

Complaint narrative:
My credit score is down due to a company called XXXX claiming I am 90 days delinquent on payment but I have no idea for what. This can not be accurate

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 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: IL

Complaint narrative:
XX/XX/XXXX, I responded to a credit alert from my private credit alert account in reference to a debt collection service- Zion Debt Holdings for the collection of {$1300.00} for an account opened in XX/XX/XXXX on XXXX. 

I immediately contacted the fraud team from my private service and discussed how to handle the issue. A member of the fraud team attempted to contact Zion Debt Holdings at approximately XXXX am XX/XX/XXXX with myself as customer on the phone. No one answered the phone number listed on the credit report. The fraud team member recommended that I attempt to call again within the hour to talk with a Zion Debt Holdings representative and to report back the outcome. 

I contacted Zion Debt Holdings ( XXXX ) XXXX, approximately XXXX minutes later to discuss the debt and to get copies with Wet Signatures of contracts that I entered into with the Debtor and Zion Debt Collections to whom the request for payment is identified. 

The representative was very unprofessional, rude, loud and disrespectful and I do not remember her giving her name because of the loud talking. She did not allow me to explain what and why I needed information, She continued to talk over me in references to not providing wet signatures of contracts. She remained loud and continued to talk over my request for proper identification of the contracted entities. 

The conversation became very intense between both parties due to the disrespect of the consumer 's right to be informed. I felt a violation of my right to know my accuser of debt and whom the collector requesting payment for the prevention of requested money not owed to a fraudulent entity, my right to be educated on the process, my right to be heard as a consumer. 

The representative actually hung the phone up on me XXXX  ( XXXX ) ; I called back XXXX ( XXXX ) times. The representative said it was a recorded line ; but does a representative behave in that manner if it is recorded? 

I am suspicious of the debt and the debt collection agency. 's identity and practice. 

I dispute this debt as fraudulent

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: VA

Complaint narrative:
Hi! I am being double charged a fee already debited by the company, and it also reduced my borrowed amount. I requested the company adjust my loan amount and they declined, stating no double charging has occurred. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Account showing that are current collecting agency reporting on my credit that i never done business with, wrong personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: MO

Complaint narrative:
I have had an issue keeping by bank account linked to my grain account to make my payments since XX/XX/2023. The first couple months it would allow me to receive a text to pay by debit card by going to a link. When XXXX came around I could no longer receive a link and my my bank account still would not link to there app, to make a ach payment from my checking. I have contacted grain multiple times by going to their website and filling out the form and received no calls or emails. There is no phone number to call to physically talk to anyone. I have never been late on my account until XXXX due to grain not assisting me to fix the issue to get my account linked. I finally tried one last thing and opened a new checking with another financial institution and was able to get that account to link, and made my payment. Which was now already late by now. Grain still has not contacted me about this issue but has now marked my XXXX credit reports as 30 days late for the first time. I dont think this is fair at all they can do this when they dont respond to help when there is an issue making a payment. I again have never been late on this account ever, until my account would not link to make a payment. Im stuck when theres nobody to contact. I want my credit report fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My Apple Card was digitally connected to my phone. The Apple Card was connected to my XXXX  XXXX XXXX account. When my XXXX  XXXX XXXX account was closed, I was not allowed to update my banking information to pay my Apple Card payments. I tried calling, chatting to a representative and they dismissed me. I contacted Apple about it and they charged off my card without addressing my issue. It is very frustrating and unfair since they are going to affect my credit. Please help me. I am willing to pay my balance for charges I made, not any penalties enforced by them, because they did not allow me to update my banking information. It was a failure on their part

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I received a telephone call from ( XXXX ) XXXX -- XXXX reporting to be Chase Bank to collect a credit card debt in excess of {$9000.00}. 

I do not have this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
Flagstar bank/ XXXX should not be allowed to service loans, they dont seem to have the capabilities to do so. Primarily, they continue failing to process payments from my bank account. When I schedule payments they mark in Flagstar as " posted '' do not draft from my account. I have confirmed routing and account number ; a Flagstar rep was able to manually pull the payment in the past, yet scheduled payments dont work and they had to cancel my recurring payment to do so. This all now has resulted in a {$20.00} late payment fee to Flagstar. I am now unable to find any support contact information on their website. They have also failed to contact me via phone or email on the matter, I just have to keep checking and have received letters a week or more after the fact. 

I have had no problems with XXXX, my previous loan servicer. As a result of Flagstar 's terrible systems and support I'm now paying additional fees, wasting huge amounts of time and possibly damaging my 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 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
I do not owe this company. I understand this company is a debt buyer. Im asking this company ceast and defrain. Im dispute the validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: IN

Complaint narrative:
The listed inquiries were not authorized by me. It is imperative that these fraudulent inquiries are promptly eliminated. Given that my social security information was compromised in the XXXX breach, Transunion breach, and the black market, it is crucial that these inquiries are removed. The presence of these fraudulent inquiries has caused significant distress for both my family and me, as it has resulted in being denied the essential transportation required for commuting to work and my child care provider. 

Fraudulent Inquiries : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion

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