vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-16 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: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I opened an account with Chase, it was closed with no info. 

I tried to open an account online and they said they couldnt verify my identify. 

Would like assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: NY

Complaint narrative:
DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$680.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary 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 PAYMENT HISTORY LEGEND Status Collection account. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$680.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose

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 2023-08-16 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Collector calls in excess of 10+ times per day. Never leaves a message. Just keeps calling back to back to back.

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 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: WA

Complaint narrative:
I was an account holder of Discover Bank and my account was closed in XX/XX/XXXX and charged off according to my XXXX credit reported dated XX/XX/XXXX, since I didn't know how to remit for my legal and equitable interest at that time. I requested from Discover multiple times a copy of my 1099C and full accounting according to GAAP using GAAS and I was ignored and denied and to date Discover has not provided me with a copy. 

I have evidence Discover sold the account to XXXX XXXX XXXX and received a letter they were trying to collect a debt for Discover Bank on the account on XX/XX/XXXX. I vaguely remember this was not the first time a collection agency attempted to collect debt. Discover then assigned the account to XXXX XXXX XXXX, a debt collector and I received a notice from them in XX/XX/XXXX. Discover is now pursuing me with a lawsuit in XXXX XXXX XXXX XXXX to collect {$7000.00}, plus 5 % interest, penalties, fees and attorney fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Transworld System Inc, reported incorrectly to XXXX that I made a partial payment instead payment in full. XXXX account number

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 2023-08-16 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: GA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: NY

Complaint narrative:
Debt collection/ credit card account was opened fraudulent. XXXX XXXX XXXX  sent me a letter stating they were willing to removed that debt collection from my report I have to dispute this account every 4 to 6 months cause it keeps coming back from XXXX XXXX XXXX  when I already showed them proof of this account was no mine

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 2023-08-16 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: NV

Complaint narrative:
The following accounts were opened frauduantly, please delete as the information reporting to my report is false and identity theft. 

XXXX XXXX card services  {$1200.00} opened XXXX XXXX XXXX card services {$5300.00} opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX auto loan opened {$38000.00} XX/XX/XXXX XXXX  XXXX XXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX {$4500.00} opened XX/XX/XXXX XXXX XXXX {$1300.00} opened XX/XX/XXXX XXXX XXXX XXXX  {$7400.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} opened XX/XX/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 2023-08-17 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: GA

Complaint narrative:
This situation involves a violation of 15 US Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. They failed to furnish me with a written notice about the account before it was reported. Consequently, I am requesting the removal of this account from my credit report due to my disagreement with the asserted debt.

Furthermore, their actions infringe upon my rights as stated in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes of consumer reports. They reported the account without obtaining my consent and improperly utilized my social security information. In light of these circumstances, as a victim of identity theft, I am invoking 15 US Code 1681c-2, which mandates the blocking of such data without my explicit written permission.

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my right to privacy. Unfortunately, this right has been violated, as the public reporting of this information by your organization occurred without my authorization.

I insist on the immediate removal of this account from my credit 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 explanation
Consumer complaint received 2023-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have tried to dispute an inaccurate Bankruptcy on my Credit report - US bankruptcy XXXX  XXXX from XXXX - Acct XXXX starting on XX/XX/XXXX with the main 3 Credit Bureaus. XXXX removed the inaccurate information within 30 days, XXXX did not and they stated they verified it according to the previous creditor ( the court ), and Trans Union did not conduct an investigation,. So I disputed it again on XX/XX/XXXX with XXXX and Trans Union ( attached disputes ) and with the court at which it is allegedly held. Trans Union stated that 'they could not verify it was me ' ... so I called them to verify and they said they would remove it, but both Trans Union and XXXX validated it again. I received a letter from the Court on XX/XX/XXXX that they do not furnish data to the credit bureaus which struck me as weird because Trans Union and XXXX stated they checked with the court. I disputed AGAIN on XX/XX/XXXX, this time with the Court response attached to my disputes and this as the language I used : Trans Union did not investigate, again, and XXXX failed to look at the documentation. I reached out to XXXX because I read online that they sometimes provide data and they reached out stating they could not verify it was me, so I called them like trans Union and sent another letter. They sent me a report of my XXXX file but failed to look at my dispute and remove the inaccurate item. 
I have attached this dispute to the file as well Just to try it again and give the benefit of the doubt, I disputed again XX/XX/XXXX. I disputed with XXXX online and uploaded the court doc and my ID docs., tried to do Trans Union online but it will not allow you, so I mailed disputes, and got the same result. I am perplexed at where to turn, XXXX removed the inaccurate item quickly yet Trans Union does not investigate and XXXX fails to look at the information

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 2023-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am writing to request that you stop the wage garnishment that is currently being imposed on me. Theres nothing on my 3 credit reports ( XXXX, XXXX, and XXXX  ), showing that I owe a Portfolio Recovery Associates LLC, no outstanding bills on my current accounts and closed paid accounts. My credit reports states that all my bills are paid in a timely manner and shows closed accounts paid. I cant afford to pay any company or person for any unknown unfamiliar bills/debts. Portfolio Recovery didnt provide explanation, description, or details of who, when, what, how, and why do I owe them or what vendor or business owner, whoever it is. I believe Portfolio Recovery LLC is violating one of my rights, harassing me and trying to bully me by taking my money without giving me specific descriptive details of what year, what it was that I supposedly had purchased or bought or what business owner do I owe? 
XXXX XX/XX/XXXX I received a strange, stressful and unknown court mail that a Portfolio Recovery is garnishing my wages with no details no description no $ dollar amount, no name of who or what I supposedly bought or purchased or what bill did I not pay? There's NOTHING showing on my 3 credit bureau reports of having any outstanding purchases no outstanding bills owed to any company or business. I thought this was a scam, false, or fraudulent documents. 
XXXX XX/XX/XXXX I received another strange unknown stressful mailed court document of Portfolio Recovery to garnish from my wages an unknown amount of {$1800.00} ( a bill I have no clue or reason why ). In XXXX ( XXXX years ago ), my purse was snatched by XXXX men with all me and my kids ' credit cards, social security cards, and bank cards- maybe this is some type of identity theft from somewhere. I reported that incident to all 3 credit bureaus many years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IL

Complaint narrative:
I made an inquiry to refinance my home. My goal was to pay off debt and get cash out. I was on the fence and unsure I wanted the higher mortgage payment and higher rate. I was contacted by XXXX XXXX XXXX ID # XXXX by text. He was very aggressive in trying to get me to go through the loan process. On XX/XX/XXXX he texted me that my file was approved ( I had not done an appraisal at this point ). He stated on XX/XX/XXXX, " This will get you almost XXXX in cash out when you close. You would be able to pay your parents back XXXX, payoff your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and your other smaller credit cards. Between your current mortgage and the above liabilities you're paying XXXX a month. This refi will cut you down and you would still have about XXXX in cash for home improvement or build up your savings account. '' I told him my house would appraise for about XXXX. He put on the loan documents that the value is XXXX. He NEVER stated that my house had to appraise at a certain amount to be able to get the loan and the items he promised. Because of his promises, even though I was still nervous and on the fence, I paid the {$520.00} and moved forward with the loan. I uploaded all of my documents in a timely manner and then the house was appraised. It came in at XXXX, which in my opinion is lower than what it should have been. I voiced this to him and he stated " It was still a win. '' He did not tell me that the loan was being approved at a lower amount and not meeting the goals HE PROMISED. I feel lied to. I had to ask him 3 times to cancel my loan and it was only cancelled after I spoke with a manager. I refinanced with Amerisave in the past and didn't have any issues. I am really disappointed you allow someone to be a loan officer that manipulates clients without being upfront. I am asking that my {$520.00} appraisal fee be returned because I never would have gone through with the loan if I knew it was all based on the home value.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I deposited A XXXX  XXXX XXXX check into my M and T account. I was told by M and T my Funds would be released within 5 buisness days it was deposited on the 7th of this month.XXXX XXXX XXXXXXXX told me that M and T bank cashed the check for XXXXM and T says they have an investigation they're giving me no information XXXX transparency.I simply want my money so u can close out this account..M and T clearly does shady buisness, and I'll never deal with them again..I 've given M and T all the information proving the check is legitimate... Not to mention they've already cashed the check and received my money as XXXX XXXX XXXXXXXX revealed that to me..not M and T.

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