vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 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: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SF VAGO, LLC
State: GA

Complaint narrative:
I have an auto loan account with Statefarm ( EMVLP LLC ) as well as other products. I have been a customer with them for over 8 years. For this particular loan, in XXXX XXXX XXXX I was late on a payment. I took the extension that was offered but due to the pandemic and loss of employment, I was still behind and missed one payment. Ever since I caught up I have not been late. I have emailed the CEO XXXX XXXX and talked to a supervisor by the name of XXXX for a courtesy update and a goodwill removal. They were not polite with their responses and showed no empathy for my situation as someone who was directly impacted by the pandemic. This is affecting my ability to apply for other loans as it reports on my credit statements as a derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I'm one of the owners of XXXX XXXX, we sell printers and plotters here in Michigan. We purchased a large plotter from XXXX XXXX XXXX in XXXX XXXX XXXX. We contracted with XXXX XXXX to pickup the plotter and deliver it to us as per their quote price. They were told what our loading bay was like and we told them that our hi-lo was broken so we would have to have liftgate delivery which is an addtional charge. We expected that they would back up to our standard bay and unload the machine into our warehouse. Instead they dropped it off in the parking lot and then using a pallet jack, rolled it into our warehouse. This is nothing unusual, happens frequently. At some point we get a message from them saying that there we extra charges involved. I contacted XXXX XXXX and they said that there was an additional charge of {$96.00} to have the driver roll the machine into the warehouse. The driver never mentioned that there would be an additional charge or we would have moved it ourselves. Since we are dealer for this equipment, we have technicians and pallet jacks to move this equipment around. XXXX XXXX said they would appeal the extra charge with their carrier which of course was denied. We then disputed the extra charge with XXXX and they ended up refunding the charge back to our corporate XXXX card, we thought that was the end of it.. 
In XXXX XXXX XXXXXXXX I became aware that my personal credit score dropped dramatically. On investigation I found that XXXX XXXX had Eastern Account Systems file a collection on me personally. I never personally had anything to do with this transaction and, in fact the only thing they had was my name relating to XXXX XXXX XXXX XXXX They improperly and illegally obatained my personal information including my home address, social security number, etc., I never provided them with any of this information and they have no signed agreement where I personally guaranteed to pay anyting related to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
The issue that I'm having is that Chase is not in good faith processing a loan assumption request by my ex-partner and me ( XXXX XXXXXXXX XXXX formerly in an unregistered domestic partnership but never married ) ; instead, Chase is baselessly and improperly stonewalling us and procedurally dragging out the process in violation of federal anti-discrimination laws. 

My ex-partner and I ( XXXX XXXX who were in an unregistered domestic partnership of XXXX years but never married ) are joint borrowers on an assumable conventional mortgage originated by another lender in XXXX and subsequently purchased by Chase. The original loan amount was about {$480000.00}, and we had no trouble at all getting approval for this loan because we each make well over {$300000.00} per year, each have savings of XXXX XXXX XXXX XXXX and each have sterling credit. We have made all payments on time and in full, such that the current balance is about {$450000.00}. 

We separated amicably in the first half of XXXX and submitted a request to Chase, pursuant to the terms of the mortgage, for my ex-partner to assume sole responsibility for the loan and sole title to the property because he will continue living at the property in XXXX XXXX, while I live at my own property in XXXX. Chase, however, has not been processing our assumption request in good faith they have been procedurally stonewalling us for almost a year, requesting the same information over and over, even though we have provided every document and piece of information they have asked for. Chase has never raised any substantive concerns about our assumption request because they know they have no lawful grounds to deny it. My ex-partner is in excellent financial and employment position ( having been recently promoted to associate director of marketing at a public XXXXXXXX XXXX and now pending promotion to director ) and has a perfect history of on-time payments on this and all other accounts in his sterling credit history. If we had been married and divorced, Chase would no doubt have processed our assumption in accordance with the terms of the mortgage, but because we are XXXXXXXX XXXX who were in an unregistered domestic partnership, Chase is choosing not to process our assumption request in good faith and thus to violate state and federal anti-discrimination laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, Please remove the security block that is on my account- a letter, my drivers license, and social security card are attached to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. This is caused by identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. This is caused by identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$890.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$20000.00} XX/XX/XXXX BANKRUPTCY XXXX XX/XX/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 2023-02-21 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$20000.00} XX/XX/XXXX BANKRUPTCY XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX  {$5500.00}

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 2023-02-21 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit IMPACT RECEIVABLES M XXXX XX/XX/2017 {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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, 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 an account without my written instructions. 

- I did not give any written instructions to furnish an account to any consumer reporting agency. 

In accordance with the laws of the Fair Reporting Act, the following companies have violated my rights. 
1 ) XXXX Account # XXXX 2 ) XXXX XXXX XXXXXXXX XXXX Account # XXXX 3  ) XXXX XXXX Account # XXXX 4 ) XXXX XXXX XXXX Account XXXX XXXX 5 ) Dept of ED/Aidvantage Account # XXXX 6 ) XXXX Account # XXXX 7 ) XXXX XXXX XXXX Account # XXXX 8 ) XXXX XXXX Account XXXX XXXX 9 ) XXXX XXXX XXXX Account # XXXX 10 ) XXXX XXXX XXXX Account XXXX XXXX 11 ) XXXXXXXX XXXX Account XXXX XXXX 12 ) XXXX XXXX Account # XXXX 13 ) XXXX XXXX XXXX XXXX Account # XXXX 14 ) XXXX Account # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX XXXX ) XXXX & XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-21 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX XXXX XX/XX/2023 I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$10.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have to aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.

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 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Reference closed CFPB case XXXX On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, Truist Bank that was a response to the above case. 

Today, XX/XX/XXXX, I had a productive telephone conversation with XXXX XXXX concerning her response letter. However, as there were several issues, still unresolved, XXXX XXXX suggested that I file a new CFPB complaint so that these issues could be addressed by Truist Bank. 

The following are the issues identified in our telephone conversation : 1. Truist records indicate that my account address was updated on XX/XX/XXXX. 
I did not initiate this update on XX/XX/XXXX. I changed my account address in early XX/XX/XXXX and have two Truist Bank statements mailed to me at my new address for XXXX and XX/XX/XXXX to show that change. XXXX XXXX was unable to identify the Truist employee who made this address change on XX/XX/XXXX. 

2. I have had a XXXX dollar return statement fee charged to my account each month since XXXX, XXXX, even though I changed my statement preference from mail to electronic notification in XXXX, XXXX. 

XXXX. The return statement fee appears on my account approximately two days after the statement has been mailed by Truist Bank. This is not enough time for the letter to reach its destination, be determined undeliverable, and returned to Truist Bank and posted to my account. 

XXXX. If possible, it would help if Truist Bank were to flag my account and keep the returned bank statement in XX/XX/XXXX to see what the problem is with the address. They do not have any pictures of returned statements for XX/XX/XXXX through XX/XX/XXXX. 

XXXX. I spoke with my mail carrier and he stated there is no problem with my current address and knows of no action that I or the post office can take to identifier why the statement is being returned to Truist. 

XXXX XXXX requested that if a different client resolution specialist is assigned this case that the specialist reach out to her for background information. 

Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 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.

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 2023-02-21 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I applied for the credit card including a request to transfer a balance according to the terms offered by Pentagon Federal Credit Union. My credit was locked/frozen and I was informed that I needed to lift the freeze, which I completed. I was informed I was approved for the card. 

Days later, I received a notice in the mail that I needed to submit a signature card to access my account. I immediately provided the requested documentation. No further communication was sent. 

Weeks later, I attempted to login to my account to verify the status of the balance transfer. The website informed me that my access was frozen. Via email, I was told that my account has NOT been approved because they require additional documentation that was not included in the original terms. I was not sent any request for this additional information. They are using the USA PATRIOT ACT as an excuse to deny me credit by requiring information that has never been required for me to receive additional credit. 

They are holding credit in my name hostage for additional unnecessary verifications that are unreasonable for me to provide, since all my information has been verified sufficiently to this point.

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 2023-02-21 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief