vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX is reporting and account that has been removed from two other Credit Reporting Agencies report. The account is XXXX XXXX XXXX. Ive tried several times to dispute this on XXXX website. TransUnion and XXXX have already removed this account.

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 2023-01-13 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: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
As I pulled my credit report after having identity theft I notice hard inquires on my report that I never applied or have any knowledge of. On XX/XX/XXXX I sent a certified mail letter to a company called Santander Consumer USA regarding this unauthorized inquiry to my consumer repor that took placed on XXXX XXXX which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) with Santander Consumer USA. Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. However, I received a letter in the mail today that Santander Consumer USA sent off on XXXX stating insufficient information provided and or the dispute is substantially the same as a dispute previously which I have never reported anything in the past because I didnt have any knowledge to this to report. However, I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: FL

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
I purchased a condo in XXXX of XXXX using a VA loan. By the end of XXXX, the tax appraisal office had still not divided the lot into each individual unit. When my mortgage company received the parcel from the tax office they proceeded to hold me liable for the entirety of the property taxes of the lot even though the parcel received still had the builder listed as the owner and not myself. I was aware that the condo was still listed under the builder and contacted the tax office months in advance. They assured me that once my lender received the parcel with the builder 's information listed as the owner, they would not attempt to collect any of the taxes from me. As the end of XXXX approached I noticed that my payment in XXXX of XXXX was raised from {$2100.00} to {$7200.00}. I contacted my lender and was told that this is what the tax office had alerted them to do. My lender stated that the tax office had my name listed as the owner for the entire lot. I submitted the tax statement to my lender that is available to the public because it lists the builder as the owner and not myself, but I was told that this would not be accepted as proper supporting documentation and that on the XXXX of XXXX I would be automatically billed for the {$7200.00}. I immediately contacted my loan officer that helped me close and he sent me to voicemail, texted me he was busy, and then never returned my phone calls. I was forced to contact my bank to place a stop payment in effect. I spoke to my lender 's customer service center several times and was told repeatedly that there was nothing that could be done and that the only thing that would change this was if the tax appraisal office contacted them directly. Because it was so close to the new year, the tax office had closed early. When they opened after the new year I went in person and was told that there was no supporting documentation that they could provide as the tax statement that I had already submitted to my lender should have been enough. I contacted my lender 's customer service center again and was finally able to speak to a supervisor who informed me that they had in fact made the initial mistake by holding me liable when the parcel they received from the tax office clearly had the builder as the owner. Because of the error that they made, I have been billed {$7200.00} for the month of XXXX and XXXX of XXXX, which I can not afford. I am furious that I spoke to several representatives that explained to me that I was wrong and that nothing could be done and that my loan officer failed to ever make contact with me. It took days of communicating with my lender before a representative finally admitted fault. Attached below is the tax statement that was received by my lender, which clearly shows XXXX Lots as the responsible party and not myself. This is a gross error in which the blame was redirected toward myself several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13 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:
There are 13 hard inquiries on my Transunion credit report and I want them removed. I have not given any company permission to pull my credit. The following are the inquiries. I rectified the issue with XXXX and XXXX. 

1XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX 2.TransUnion XXXX XXXX Finance other than personal XX/XX/XXXX 3.TransUnion XXXX Finance, personal XX/XX/XXXX 4.TransUnion XXXX Personal Loan Companies XXXX  5.TransUnion XXXX XXXX Bank Credit Cards XXXX  6.TransUnion XXXX Finance , personal XXXX TransUnion 7.TransUnion XXXX XXXX 8.TransUnion XXXX XXXX  Banks and XXXX XXXX XXXX XXXX 9.TransUnion XXXX XXXX Automotive XXXX  10.TransUnion XXXX XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX 11.TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XXXX 12.TransUnion XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX 13.TransUnion XXXX XXXX XXXX XXXX Automobile Dealers, New 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 2023-01-13 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: CA

Complaint narrative:
XXXX XXXX XXXX with account number XXXX This account is listed as being 90 days late. I have never been late on this account. 
In accordance with the Fair Credit Report Act, 15 U.S.C 1681a ( 2 ) Exclusions : ( A ) ( i ) states report containing information solely as to transactions or experiences between a consumer and the person making the report. 

Therefore, any transactions SOLEY made between a consumer and the company CAN NOT be reported on the consumers credit report. I have included this section from the FCRA along with this letter. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Someone hacked into my phone using an app called XXXX XXXX and transferred money out of my paycheck to a phone number in the picture below. I called Chime Support to notify that I didn't make those transactions so they filed a claim. The next morning I received an email from Chime that my claim was denied in an investigation. I was supposed to get paid the {$390.00} today but itwas stolen from my account last Fiday. Please help me get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: GA

Complaint narrative:
equifax, XXXX and XXXX  did not comply with updates on my request to fix the issues of inquired on my account within a 30 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION
State: TX

Complaint narrative:
To date, XX/XX/2023, after multiple emails and contacting the XXXX " Emergency Support '' and their XXXX Department and giving them the filed police report information, the " provisional credit '' still has NOT BEEN POSTED as available credit to my account. This violates the terms and conditions of the XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX 's " ZERO LIABILITY '' policy. This also violates the Cred.Ai deposit account agreement by not reporting the proper balance into my account. This intentional negligence and multiple agreement violations has caused insurmountable financial losses and infliction of continuous emotional distress and extreme stress ; I have been evicted, lost my car and my credit worthiness has drastically diminished.

WSFS Bank and XXXX XXXX XXXX XXXX  dba XXXX FAILED to protect my account by providing " 2-way fraud text alerts '' and aTeam of Anti-Fraud Specialists to monitor my XXXX credit card and online banking activity for changes to accouont 's regular banking patterns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX  is reporting a public record. That has been closed for over two or three years. Said public record was paid in full. Therefore shouldnt show as a collection.

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 2023-01-13 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: FL

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft, someone was able to create a various accounts using my personal information. XXXX not sure how they were able to retrieve my information I want to think of a data leak or a software was hacked. This has been very concerning and nerve wrecking for myself.

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a victim of identity theft, someone was able to create a various accounts using my personal information. Im not sure how they were able to retrieve my information I want to think of a data leak or a software was hacked. This has been very concerning and nerve wrecking for myself.

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 2023-01-13 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: FL

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13 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: IA

Complaint narrative:
Transunion is reporting inaccurate information and Errors and is in violation of FCRA laws. XXXX XXXX could not submit proof of claim or accurate verifiable information and used deceiving tactics to victimize me. Transunion is reporting inaccurate information on balance, amounts, and status information. Inaccurate information and reporting is a violation of FCRA and Transunion is in non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with Transunion for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Transunion 's repeated non-compliance with my requests will also be construed as an absolute waiver of all claims to enforce the debt against me and Transunion 's implied agreement to compensate me for court costs and attorney fees. Additionally, any reporting of this debt without validation it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. Because you are in violation, these accounts must be removed from my credit file. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Filings Title : XXXX XXXX XXXX XXXX XXXX Case : XXXX XXXX ( XXXX ) Citation Number : Event Filed By Filed Create Date Last Updated Action Date DISMISSED PER COURT XXXX XXXX XXXX XXXX XXXX XXXX Other Order XXXX XXXX XXXX XXXX XXXX XXXX Comments : SUBMIT PROOF OF CLAIM WITHIN 30 DAYS Motion for Default Judgment XXXX XXXX XXXX XXXX XXXX XXXX Return of Service - Other XXXX XXXX XXXX  Other Event XXXX XXXX XXXX  Comments : CERTIFIED MAIL -- - CERT # XXXX Other Event XXXX XXXX XXXX XXXX XXXX XXXX Comments : REQUEST FOR SERVICE BY CERTIFIED MAIL RETURN OF SERVICE - DILIGENT SEARCH XXXX XXXX XXXX XXXX XXXX VERIFICATION OF ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Small Claims Original Notice XXXX XXXX XXXX XXXX XXXX XXXX Comments : XXXX FOR : {$1500.00}

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 non-monetary relief
Consumer complaint received 2023-01-13 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: FL

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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