vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 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: AR

Complaint narrative:
i am a victim of identity fraud i have been getting alerts that my information is on dark web and the following accounts and inquiries on my credit files when i pulled them where opened without my authorization or knowledge collection account - XXXX XXXX original creditor XXXX in the amount of {$1900.00} opened XXXX collection - XXXX  in amount of {$190.00} opened - XX/XX/XXXX XXXX XXXX XXXX in amount of {$520.00} opened XXXX XXXX XXXX XXXX - original creditor XXXX XXXX XXXX XXXX in amount of {$260.00} opened- XX/XX/XXXX XXXX  XXXX XXXX- in amount of {$500.00} opened XXXX XXXX XXXX XXXX  / original creditor XXXX XXXX  in amount of {$1400.00} opened - XX/XX/XXXX XXXX XXXX  - balance {$260.00} opened - XX/XX/XXXX XXXX  XXXX - credit limit {$13000.00} opened XXXX XXXX XXXX - balance {$57000.00} opened XXXX XXXX XXXX XXXX balance {$48000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX - {$500.00} opened XX/XX/XXXX XXXX XXXX XXXX - {$440.00} opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: AR

Complaint narrative:
i am a victim of identity fraud i have been getting alerts that my information is on dark web and the following accounts and inquiries on my credit files when i pulled them where opened without my authorization or knowledge collection account - XXXX XXXX original creditor XXXX in the amount of {$1900.00} opened XXXX collection - XXXX  in amount of {$190.00} opened - XX/XX/XXXX XXXX XXXX XXXX in amount of {$520.00} opened XXXX XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX  in amount of {$260.00} opened- XX/XX/XXXX XXXX XXXX XXXX- in amount of {$500.00} opened XXXX XXXX XXXX XXXX XXXX  original creditor XXXX XXXX  in amount of {$1400.00} opened - XX/XX/XXXX XXXX XXXX  - balance {$260.00} opened - XX/XX/XXXX XXXX  XXXX - credit limit {$13000.00} opened XXXX XXXX XXXX  - balance {$57000.00} opened XXXX XXXX XXXX XXXX  balance {$48000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$440.00} opened 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 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I did not apply for a credit card. I have received an email stated that I was denied. I have checked my XXXX account and Chase card is on my report. It should not be because I did not do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29 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:
There is multiple fraudulent inquiries that need to be removed. 
These inquires and dates are as follows : Experian XXXX XXXX ( XX/XX/22 ), XXXX XXXX XXXX XXXX ( XX/XX/22 & XX/XX/22 ), XXXX XXXX XXXX Bank ( XX/XX/22 ).

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 2022-09-29 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: NY

Complaint narrative:
On XX/XX/XXXX I have sent a cfpb report stating that there where unauthorized inquires from Transunion that I did not consent or authorize. It has now been over 30 days and I have received no response from Transunion. I want these inquires removed off my report ASAP. The following inquires to be removed are XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX 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 2022-09-29 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: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
I paid off my car loan with Hyundai Motor Finance on-line on XX/XX/XXXX. I have received the clear title and the balance on their website shows zero, however they have failed to submit the payment information to the credit bureaus so it continues to show up on my credit report. I have called at least three if not four times asking that it be taken care of. As of today ( XX/XX/XXXX ) it is still on the credit report and today the customer service representative hung up on me when I started to ask why it had not been taken care of. I have also filed a dispute with 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 2022-09-29 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:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

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 2022-09-29 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: IL

Complaint narrative:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I dont recognize inquiries on my credit report, I did not authorize any inquiries. 

AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I dont recognize inquiries on my credit report, I did not authorize any inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT ACCEPTANCE 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 explanation
Consumer complaint received 2022-09-29 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: LA

Complaint narrative:
Ive been calling, and Also asking the creditors to verify these accounts they are not properly verifying because these accounts are inaccurate and doesnt belong to me. 

XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$5900.00} XXXXXXXX XXXX  XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX {$3800.00}

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 2022-09-29 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:
there are multiple inaccurate inquiries on my credit report these inquiries are in violation of my federally protected consumer rights per 15 usc 1681 and 15 usc 1692 g inquiries are on attached ftc 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 2022-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NJ

Complaint narrative:
On Sunday, XX/XX/XXXX, I contacted Edfinancial immediately after knowing about Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that. After trying to contact them multiple times via chat, email, and phone call, I was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I am therefore eligible for XXXX in forgiveness. Throughout the pandemic, I paid more than XXXX in payments. 

It seems as though Edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and Edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Mr. Cooper pulled my credit on the XXXX and XXXX of XXXX and did not remove one of the improper credit pulls. I suspect it was to charge me a higher interest rate when we were contemplating refinancing the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Saving account always going to XXXX  dollars

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 2022-09-29 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: CA

Complaint narrative:
The following inquiriy are fraudulent and needs to be removed : XXXX XXXX ( XX/XX/22 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a victim of identity theft. Bank of America has been extremely unhelpful in getting all fraudulent accounts in my name closed. 

On XX/XX/2022, I discovered someone had fraudulently opened a checking account in my name with Bank of America ( " BofA '' ). When I called BofA to have the account closed, I was placed on hold for almost one hour before finally reaching a representative. They told me they had closed the account, and that they would send a letter of correspondence to my address. I noted that the address on the fraudulent account was NOT correct, and the representative stated that they would note the correct address on my case to ensure accurate delivery. I was told the request for a letter would take 24 to 48 hours. 

On XX/XX/2022, I discovered another fraudulent checking account in my name with BofA. I called BofA again, and they stated that they had closed the account. I asked them to confirm the address the letter of correspondence would be sent out to. They, again, gave me the incorrect address. I, again, gave them the correct address, and they stated they would make a note on my case to ensure accurate delivery. They refused to provide anything in writing, stating they were unable to do so. 

On XX/XX/2022, I discovered ANOTHER fraudulent checking account in my name with BofA. I called BofA again to close the account. I asked the representative why I had not received my letter yet, neither by email nor snail-mail. They stated that their analysts had the request, but it would take " additional time '' to process. I requested escalation to management. The manager I spoke with put in an expedited request for the letter 's delivery. When they attempted to confirm the address, they STILL had the incorrect address on file. The manager assured me the correct address would be notated in the expedited request. 

On XX/XX/2022, the letter of correspondence was sent to the wrong address despite numerous attempts at correcting the mistake. 

On XX/XX/2022, XXXX XXXX ( " XXXX '' ) notified me of a FOURTH fraudulent account with BofA. This account was opened on the same day as the third account, and was open for almost two weeks before it was closed on XX/XX/2022. At this time, it was revealed that NOT ONCE DID BofA FLAG ME AS A VICTIM OF IDENTITY THEFT. This is why the perpetrator was able to continue opening fraudulent checking accounts in my name. I was told - again - that I could not receive anything in writing confirming anything that transpired over the phone with BofA representatives, and that I would have to, yet again, wait for a letter of correspondence.

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 2022-09-29 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: LA

Complaint narrative:
Ive been calling, and Also asking the creditors to verify these accounts they are not properly verifying because these accounts are inaccurate and doesnt belong to me. 

XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: LA

Complaint narrative:
Ive been calling, and Also asking the creditors to verify these accounts they are not properly verifying because these accounts are inaccurate and doesnt belong to me. 

XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5900.00} XXXX wirless XXXX {$1300.00} XXXX XXXX XXXX  XXXX {$3800.00}

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 2022-09-29 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/2022 correspondence were created to send to me and in this letter there are too many things that are still incorrect that have yet to be fixed! First, this account does not belong on my consumer report. Second, the amount on the letter from Wells Fargo is different than the amount of {$2600.00} that is being reported to consumer reporting agencies, which is a clear violation. Also, this company in this very letter told me themselves their company records does not reflect records that a 1099-C cancellation of debt form was even submitted. That means for them to report it as a " charge-off '' is unlawful and also makes it inaccurate. This account is also simultaniously being reported as a collection account too. To my understanding, those are two separate types of statuses and are not the same thing so I'm confused as to why they're reporting it at all and why it s showing as both?

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 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I had an old credit card through XXXX XXXX, I had one thing recurring on it, a XXXX account to keep the card current and help my credit. The account was set up on auto payment with XXXX XXXX to my bank account. Around XX/XX/2022 XXXX sent me a notice that my card had expired and needed to update my account. Not even thinking about it I updated the account to a new card. Late XX/XX/2022 I got a notification on my credit report that my credit score had gone down by XXXX points. There was a missed delinquent account from Goldman Sachs. Knowing that I didn't even have any business with them or an account I called right away. Marcus by Goldman Sachs had purchased the credit card from XXXX XXXX in XXXX of XXXX  I called and said I had no idea and that was an old card that I never used and it was only tied to a XXXX account. They had an old mailing address for me so the letters sent was sent to the wrong address and I never received anything. There was a balance of XXXX dollars total when they purchased the credit card from XXXX XXXX. I told them I had no problem paying what was owed to the card and any interest. I paid them XXXX dollars to make things right. I then asked if they would please remove any late fees because there was a miscommunication of the new purchase and I never received any information about the credit card changing companies. They said they would get back to me. I gave them the right email address, address, and made sure they had my phone number. 3 weeks later I received another email stating that my account was past due and more fees were charged. Now there is a balance of XXXX dollars that is delinquent on my credit score. After updating my information, I have received XXXX statements, phone calls or letters from them. I have tried multiple times through out the month to create an account with them online to see any information about it. There website is broken and times out every time I try to create and account. I didn't even sign up with them, I don't know how it's even legal for XXXXl XXXX to sell them all my information and sign me up with them without my consent. I paid them 2 times the amount of the original balance on the card. Now they are tagging me with XXXX to XXXX dollar fees for the past month. But I have no idea about due dates, didn't receive any mail, phone calls or emails, except that my account is past due. I didn't even receive a credit card from them. I don't know how this is legal or how this is even happening, but it is greatly effecting my credit score. 


I have attached the statements that were sent via email during first phone call in early XXXX. I have received nothing since expect the emails shown in screen shots. Can't sign in online, received nothing in the mail, and haven't received a single phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: GA

Complaint narrative:
there are multiple inaccurate inquiries on my credit report these inquiries are in violation of my federally protected consumer rights per 15 usc 1681 and 15 usc 1692 g inquiries are on attached ftc 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 2022-09-29 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: GA

Complaint narrative:
there are multiple inaccurate inquiries on my credit report these inquiries are in violation of my federally protected consumer rights per 15 usc 1681 and 15 usc 1692 g inquiries are on attached ftc report

Company response to consumer: Closed with explanation