vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
XX/XX/2022, this account was discussed with XXXX and with a complete breakdown with the representative named XXXX XXXX, it was confirmed the amount of XXXX was an excessive overcharge. The representative provided me with an amount of XXXX being owd. The reporting amount is invalid, the date of the contract is incorrect and the phone numbers they included on the bill were a merge with a family member 's account in error. In XX/XX/2022, I spoke with Jefferson Capital, who were not able to validate the account with the original documents showing this account was opened by me and the amounts were owed and charged for me. According to FCRA, XXXX Jefferson Capital violated by 1. Mixing up one 's person information with another 's because of similar name. 
2. Provided creditors inaccurate financial information about me.

3. Failed to send me notifications about this account and reporting to the Bureaus without notification. 

For the past 2 years, I have fought with creditors providing inaccurate information, all while recovering and receiving therapy from my military injury. These businesses have an awful way of dealing with Vets and Military staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Spring Equity LLC
State: CA

Complaint narrative:
On XX/XX/2023 we applied for a line of credit with a mortgage broker who sent our loan request to XXXX, XXXX for funding the loan. On XX/XX/XXXX we received an email indicating they indicated everything is looking good and they would send out the disclosures that same day. On XX/XX/XXXX we received an email saying that underwriting is finishing up with our file and should have the disclosures to us that day. This went on for months then we finally got the disclosures on XX/XX/XXXX, at that time the interest rate was 15.667 %. We signed the documents immediately and sent the forms back. Since that time they have run our credit reports several times, they have asked for documents to be resent, each time they have said they have everything they need and it was due to be funded. This has been going on for close to 5 months, they have sent us two sets of disclosures the last one sent in XXXX with a new monthly amount and interest rate of 16.75 % and the monthly amount increased by XXXX per month. We have been told now for two weeks it is in underwriting and the funding would be done the following day, for over two weeks, only to be told they need more information or it is still being reviewed. In addition our property value is at least XXXX to XXXX XXXX, based on comps in the area and our next door neighbor who had his property appraised at XXXX XXXX, and his home is smaller than ours. They used XXXX as the valuation, made us pay the XXXX and do an in home inspection, which was contrary to their website indicating unless the loan was over XXXX that XXXX drive by appraisal would be done. We recently remodeled the home and were getting the funding to consolidate our debt and put a new roof on the home. We are out over XXXX in appraisal fees and other fees

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25 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: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-25 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: Kikoff Inc.
State: FL

Complaint narrative:
On my XXXX report KIKOFF LENDING LLC, hasnt been reporting my on time payments, increased credit limit and balance since XX/XX/2023 and Ive been trying to fix this problem for XXXX months now and its hindering my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX Only one banker took out time to not freely This is my second complaint because I do not feel as though CHASE CLAIMS DEPARTMENT when I first called on XX/XX/XXXX during my first verbal claim over the phone was ever written down as a case to investigate it. I don't think it is fair not to be able to fill out a claims form to show my evidence or see the case results through the actual bank. I was told that couldn't be done. It's evident that they had already made up their minds because the amount that is written in the Consumer Protection Agency response section is not the amount that I stated I was scammed out of when I had to verbally file a claim. Evidently the corporate didn't check the amount either. There was no sympathy by the person I spoke with on XX/XX/XXXX in the CHASE CLAIMS DEPARTMENT. When I mentioned taking it to court, she went as far as telling me to go ahead. But that I would probably lose. ) by a what you call third party which could have been an actual employee of Chase. Also to keep a customer happy as long as I have been banking with Chase since XXXX happy, would be to offer at least a portion of the scammed money back to them because it is not the victim 's fault either that they were scammed ( tricked and scared into ) by what you call a third party which could have been an actual employee of CHASE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: AR

Complaint narrative:
Received promotional letter from U.S. Bank offering {$750.00} bonus for depositing $ XXXX or more in a business savings account. Opened account and wired $ XXXX to the account. Received letter a week later stating that the account had been closed with no reason given. Called U.S. Bank customer service and they stated the account had been closed for " fraud concerns '' but could not and would not provide any further detail. Customer service agent stated on XX/XX/XXXX they would mail a check for the funds from the closed account. After not receiving a check by XX/XX/XXXX, I called back. After waiting on hold for an hour, was told by a customer service agent ( and later their supervisor ) that the funds are being held for 15 business days after account closing before being mailed back to me. They estimated I might receive the check by XX/XX/XXXX, over a month after I deposited the funds with them ( deposited funds with them on XX/XX/XXXX ). 

So they supposedly had " fraud concerns '' with the account, but instead of just sending the deposit that went into the account back where it came from immediately, or at the very least calling me to determine if it was indeed fraudulent, they have held the $ XXXX interest free for over a month and I have had no access to this money. Not to mention I did not receive the {$750.00} bonus that was offered in their promotional letter. Not sure if this is an intentional scheme just to be able to hold a ton of people 's money interest free for 5 weeks interest free in an environment where banks are facing liquidity concerns, but seems to be some bad acting going on. Would love to see this apparent bait and switch scheme addressed.

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 2023-07-25 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:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-07-25 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have submitted documents to this consumer reporting outlining the full extent of Identity Fraud when it comes to me. On XX/XX/2023 I submitted a dispute to XXXX XXXX XXXX XXXX ( file # XXXX ) concerning the fraudulent account and inquiries that are being reporting under my personal identifying information. I talked with someone named XXXX and later some other rude woman who basically told ne verbatim that even though I submitted documentation concerning fraud, that they were going to do what they wanted and continue to report fraudulent information until I make the XXXX Police Department and the XXXX Inspectors give me a police report without them conducting an investigation to see what happened to my mail. I submitted incident report numbers and a City of XXXX Police Department incident report. I also explained to them the consequences of continuing to reporting information that has been verified as fraud 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 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 identity theft!! Please delete these items as soon as possible! 
These accounts should not be fumished on my consumer report as they are in VIOLAT Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN XXXX Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the follo wing circumstances and no other : ( 2 ) In accordance with the WRITTEN 1,711 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 their rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

EWS has blatantly disregarded the FCRA as well. Providing access to personal information through credit bureaus without my consent.

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 2023-07-25 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the account referenced XXXX AUTO XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting different payment history between all 3 bureaus which I will include a copy of my credit report to show. How does this meet FCRA guidelines when all data furnished should be the same? I dispute your claim and I am requesting that this is removed from my credit report. This account is also over 7 years old and should have been removed on XX/XX/2022 which is another violation. Stop reporting this information on my credit report for many FCRA violations. Attached is the dispute letter sent 2 months ago which is dated and time stamped.

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 2023-07-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, XXXX ( Acct # XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in Direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: CA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-07-25 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: CA

Complaint narrative:
Im showing student loans were taken using my identity for {$31000.00} ( 8 accounts ) this is fraudulent and my identification was stolen. I never took any loans with The department of ED.

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 2023-07-25 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: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
I did not authorize any one to pull my credit. I did not apply for an auto loan. I am the victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: NY

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

XXXX XXXX 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, has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: NY

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

XXXX XXXX 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, has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: CO

Complaint narrative:
I began receiving notices from Chime that an account and credit card had been opened in my name. When I called to close it out and request additional information, they began asking for the last 4 digits of my SSN. I refused and asked XXXX to to close the account and how or who opened this account. XXXX closed the account but would not allow me to know how this account was opened or who had opened it. When I asked for additional support from a supervisor or director, that request was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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:
An account was opened on XX/XX/ with XXXX XXXX XXXX using my identification when I was hospitalized. This is fraudulent and was done without my consent.

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