vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
After receiving information of fraudulent charges on my bank account, direct actions were taken to stop the issue. A day later I was contacted by a phone number I could identify as my banks customer service number and when I answered they identified themselves as members of the bank Fraud Department. They disclosed further compromises to my bank account and walked me through a variety of steps in which I never disclosed personal information, rather it was quoted to me to verify. I felt it my be a scam and repeatedly questioned the caller as to authenticity. By XXXX choice I believed what he was telling me and subsequently set up a XXXX recipient to receive a {$3500.00} payment in order to clear my account. The change was supposed to be rejected of course, but it in fact went through I am out {$3500.00}. As it was a XXXX transfer through my bank, they will not stop the charge nor reimburse for the 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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for a chase business credit card & they are wrongfully declining me to obtain credit, my personal report is perfect my business credit is also expediential. im a XXXX XXXX  & XXXX plus duns number my reply states i have a derogatory which i do not i can provide both docs if needed, there is no true reason to deny me when i am personally garneting the card with my personal credit audit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-07 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Someone opened a account in my name and also have applied for a credit card in my name and this has been going on since 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX XXXX and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX OPENED ON 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 non-monetary relief
Consumer complaint received 2023-04-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX XXXX and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX- OPENED ON XX/XX/XXXX - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX  XXXX XXXX XXXX OPENED ON XX/XX/XXXX - XXXX XXXX OPENED ON XX/XX/XXXX - XXXX XXXX OPENED ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: Grain Technology, Inc.
State: GA

Complaint narrative:
Grain XXXXechnology stopped reporting my account and generating statements when I started to pay down the balance. I had an outstanding balance of {$810.00} as of the last generated statement in XX/XX/2023. I paid {$300.00} on XX/XX/2023. I paid an additional {$510.00} on XX/XX/2023. A statement has not been generated since XXXX which I find odd since after that statement I started to pay down. I reached out to grain via support email, since they do not have direct access to someone via phone, and XXXX XXXX ( Grain Technology Customer Support ) stated on XX/XX/2023, that my account would be reported as paid off to XXXX and the status would update to Account Paid in Full- Charge Off. Well, I have not seen the update, disputed the information with XXXX and XXXX on XX/XX/2023, and today, my disputes were marked as a complete and the results stated that Grain has verified that my account is still past due with a balance of {$810.00}. I have been very unsuccessful at contacting someone to speak to them on the phone. This is unethical as I have done the right thing on my end by paying what I owe in full. I can log in to the account and see a XXXX balance, however I can't supply the CRAs with a statement as part of my disputes since Grain Technology has not generated one for me since XX/XX/2023. They claim it is because the account was in a charge off status, but they have reported at least the last year to the CRA every month, although the account was in a charge-off status then. I think Grain Technology is being highly unethical right now and is intentionally not updating my information with the credit reporting bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-07 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-07 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: FL

Complaint narrative:
Equifax continues to violate section 623 ( a ) ( 1 ) ( A ) of the FCRA which states credit reporting agencies have a legal obligation under the FCRA to ensure the accuracy of the information they furnish.Equifax clearly failed to do so as required by Federal law. 
EQUIFAX STATED MY ACCOUNT WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE THE ACCOUNT STILL REMAINS ON MY CREDIT FILE. Equifax stated they confirmed they verified the account from XXXX and Court records, I HAVE ENCLOSED AN LETTER FROM THE COURT AND XXXX SHOWING HOW EQUIFAX VIOLATED FEDERAL LAW. In fact XXXX could not verify the Bankruptcy that Equifax claims to have verified from XXXX, THEREFORE EQUIFAX NEVER CONDUCTED AN INVESTIGATION ON THE FOLLOWING XXXX  XXXX FILE NUMBERXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I just disputed this account listed below that showed up on my credit report it caused me much anger and disbelief to see this inaccurate and unverifiable information your agency didn't ensure to be remove from my report but instead just update it. By law I own the right to obtain the steps that were taken to verify this account on my report by your agency. 

XXXX XXXX Date opened : XX/XX/XXXX Status : Closed. {$60.00} past due as of XXXX XXXX. 
Status updated : XXXX XXXX Balance : {$470.00}

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 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
Someone on XX/XX/2023 attempted to open two different credit cards using all of my information. The cards were with XXXX XXXX XXXX and Barclays ( XXXX XXXX ). Which resulted in two hard hits on my credit. I have been unable to speak with anyone with XXXX  XXXX XXXX and Barclays was only able to provide that the application were done online. I have put a freeze on my credit. I am making a report with my local police department. I want to have this investigated for future issues.

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I recently check my credit report and found out there is charge off from Capital one, XXXX XXXX and XXXX XXXX. I never opened these accounts, it looks like someone used my informations to open these accounts. 
Please remove these items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: NY

Complaint narrative:
I CHECKED MY CREDIT REPORT AND THIS INSTALLMENT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a Federal Student Loan Balance under {$4000.00}. I submitted applications for federal student loan forgiveness as well as, public service student loan forgiveness. While the Biden Administration works out those details, student loan payments and interest have been paused. XXXX has harassed me with phone calls and reported my account 90 days delinquent to the credit bureaus. This has dropped my credit score over 100 points. I am in the middle of a home repair. This fraudulent behavior is costing me and my family money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a Federal Student Loan Balance under {$4000.00}. I submitted applications for federal student loan forgiveness as well as, public service student loan forgiveness. While the Biden Administration works out those details, student loan payments and interest have been paused. XXXX has harassed me with phone calls and reported my account 90 days delinquent to the credit bureaus. This has dropped my credit score over 100 points. I am in the middle of a home repair. This fraudulent behavior is costing me and my family money.

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 2023-04-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX : XXXX XXXX, Account Name : XXXXXXXX XXXX XXXX : XXXX XXXX, Account Name : XXXX XXXX : XXXX XXXX, Account Name : XXXX  : XXXX XXXX, Account Name : XXXX XXXX xxxxxxxxxxxx XXXX, Account Name : XXXX XXXX XXXX : XXXX XXXX. 
Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A states, I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish my account without my written permission. 
15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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: Chime Financial Inc
State: LA

Complaint narrative:
Someone opened a account in my name and also have applied for a credit card in my name and this has been going on since 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently review a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my report 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 2023-04-07 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: CO

Complaint narrative:
For the second time in two days, my Experian account has been compromised. I did all of the necessarily steps to reset my password and pin and security question, and enabled two-step verification. I received an email today at XXXX. that said " You are receiving this notification because this email address on your Experian account has recently been changed. If you did not initiate this change, please contact Experian 's member support at XXXX. '' When I logged into Experian, my email address was changed to something that was not mine, and the phone number was changed to something that was not mine. In addition, the 2-step verification was turned off. I suspect that someone can just click " I forgot my password '' and answer all of the security questions to get back into my account, and then change it to their information. If they can keep getting into my account, they can unfreeze my credit and continue to apply for credit cards with my information. Experian is doing nothing to fix the 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 2023-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX stopped reporting my account and generating statements when I started to pay down the balance. I had an outstanding balance of {$810.00} as of the last generated statement in XX/XX/2023. I paid {$300.00} on XX/XX/2023. I paid an additional {$510.00} on XX/XX/2023. A statement has not been generated since XXXX which I find odd since after that statement I started to pay down. I reached out to grain via support email, since they do not have direct access to someone via phone, and XXXX XXXX ( XXXX XXXX Customer Support ) stated on XX/XX/2023, that my account would be reported as paid off to XXXX and the status would update to Account Paid in Full- Charge Off. Well, I have not seen the update, disputed the information with Transunion and XXXX on XX/XX/2023, and today, my disputes were marked as a complete and the results stated that XXXX has verified that my account is still past due with a balance of {$810.00}. I have been very unsuccessful at contacting someone to speak to them on the phone. This is unethical as I have done the right thing on my end by paying what I owe in full. I can log in to the account and see a XXXX balance, however I can't supply the CRAs with a statement as part of my disputes since XXXX XXXX has not generated XXXX for me since XX/XX/2023. They claim it is because the account was in a charge off status, but they have reported at least the last year to the CRA every month, although the account was in a charge-off status then. I think XXXX XXXX is being highly unethical right now and is intentionally not updating my information with the credit reporting bureaus.

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 2023-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I CHECKED MY CREDIT REPORT AN THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation