vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting 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:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2023-12-02 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
Please remove this fraud inquiries off 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
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
Please remove this fraud inquiries off 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 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX, Vice President at Chase Bank XXXX address XXXX XXXX XXXX XXXX, XXXX VA, XXXX. Submitted an applicaton with out my signature and with out my permission. There has been an inquiry placed on my credit report as of XXXX XXXX ( est time ). This is unauthorized access as I did not gain anything nor did I give permission for these actions. As a result this is fraud and an invasion of privacy. This moment has caused me major stress, XXXX, and depression. I can not believe Chase is allowing their employees to operate in such manner. I was never made aware that any application would be submitted and I never verbally agreed and never signed any documents for submisson of this Chase business Credit card application that XXXX XXXX wrongfully submitted. As a result many laws have been broken, which I stated. I will take these actions further legally! JP Morgan and Chase co Bank, need to make this matter right, ASAP! SEND ME A CARD WITH THE BALANCE OF XXXX. XXXX ALSO GOING TO FILE FOR LEGAL SUIT, IM NOT AGAINST SETTLING THIS MATTER. IF YOU CAN PROVIDE ME WITH MY REQUEST ABOVE IN PREVIOUS SENTENCE! 
ALTHOUGH, this is not a scare or a threat. YOUR EMPLOYEE SUBMITTED AN APPLICATION THAT DOES NOT BEAR MY SIGNATURE, Nor did I give verbal consent!!! 

I have uploaded all proof of identity, so please do not ask me to verify myself either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: August Real Estate Investments, LLC
State: TX

Complaint narrative:
Our mortgage was increased by {$400.00}. We requested a new XXXX that took them 5 months to do. They did it without the correct tax information. Our taxes are around {$1700.00} a year, they are charging us. {$550.00} a month in land taxes on our mortgage. We sent them the correct tax amount, the tax offices have sent it : they continue to over charge us where we can not afford the payment, we even got a letter of foreclosure in the mail when I said we were getting an attorney they took it back. But they continue to charge us over {$6000.00} a year in property taxes on our monthly mortgage when it is only {$1700.00} a year. Our original monthly payment was $ XXXX it is now {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There are several credit card hard inquires on my account that I did not make or authorize. I want them taken off of my credit report Immediately. 

XXXX XXXX XXXX XXXX. JPMCB Card Services ( Bank ) XX/XX/2023 XXXX. JPMCB Card Services XXXX Bank ) XX/XX/2023 XXXX. XXXX XXXX ( Bank ) XX/XX/2023 XXXX. XXXX XXXX ( Bank ) XX/XX/2023 XXXX. JPMCB Card Services ( Bank ) XX/XX/2023 XXXX. XXXX XX/XX/2023 I've already called XXXX and XXXX and they told me to called the FTC and generate a report form, but when I went to FTCs website and called the FTC number they both rerouted me to this website so I cant finish filling ... because XXXX XXXX XXXX said they expect the document from FTC to be mailed to the or they cant continue the investigation so I need your help now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting 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:
Upon contacting TransUnion, I asked for them to remove unknown inquiries that were fruadly added to my credit profile. But, they denied to remove the inquiries. I have contacted each of the companies that the inquiries were from, but these were all fabricated companies with names of real institutions. Each inquiry is dated XX/XX/2023, I will list them below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting 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:
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 2023-12-02 00:00:00
Product: Credit reporting 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:
Re : Second Complaint Regarding Unverified and Inaccurate Collection Accounts on Credit Reports I am writing to file a follow-up complaint concerning multiple collection accounts that have been inaccurately and inconsistently reported on my credit reports by XXXX, XXXX, and Experian. This letter serves as a continuation of my efforts to resolve these discrepancies, as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The accounts in question are : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXXXXXX 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 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 XXXXXXXX XXXXDEPT OF XXXX XXXX/DEPT OF EDXXXX  XXXXDEPT OF XXXX XXXX/DEPT OF EDXXXX XXXX/DEPT OF XXXX XXXX/DEPT OF EDXXXX XXXX/DEPT OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my previous attempts to rectify these inaccuracies , including direct disputes with the aforementioned credit bureaus and the collection agencies, the errors persist. Each credit bureau reports different information about these same accounts, which is a clear indication of inaccurate reporting and a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S.C. 1681i, I have the right to challenge inaccurate information in my credit report, and the credit reporting agencies are legally obligated to conduct a reasonable investigation into these disputes. However, the responses to my previous disputes have been unsatisfactory, and the inaccuracies remain unaddressed. 

According to 15 USC 1681 : I HAVE THE RIGHT TO PRVACY AND I DID NOT GIVE XXXX, XXXX OR EXPERIAN WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
HELLO, | CHECKED MY REPORT AND | SEEN UN authorized CREDIT CHECK inquiries THAT | HAVE NOT GIVEN CONSENT TO. I AM DEMANDING THESE INQUIRES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. IM TRYING TO ESTABLISH relationships WITH BANKS BUT continue TO BE DECLINED BECAUSE OF THESE ITEMS ON MY REPORT. I HAVE ATTACHED THE FRAUDULENT ITEMS TO MY LETTER AND NOTIFIED THE FTC.

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 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
IN XXXX PAYPAL LIMITED MY ACCOUNT PERMANENTLY AFTER I HAD RECEIVED XXXX XXXX TO MY XXXX! in an email they assured me that I will get me funds in 120 days. time has passed and I am unable to add any bank account to withdraw my funds! they are complete scammer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: APG Financial Inc
State: UT

Complaint narrative:
I Leased a vehicle from Markosian Auto XXXX XXXX XXXX  XX/XX/XXXX. It had the option to buy the vehicle at the end of the XXXX  year lease. Which is exactly what I did. I was told that their financial company APG Financial of XXXX XXXX  would report my payments to All XXXX credit reporting companies. But they have NOT reported any of my payments since XX/XX/XXXX. On XX/XX/XXXX I made my last payment paying off the vehicle. I have the receipts for ALL of my payments. I want them to show my payment history on my credit reports to raise my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting 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 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 2023-12-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had problem getting my EDD Bank of America debit card in the mail, I was disqualified for identity verification during Covid in XXXX, I eventually verified my identity XXXX XXXX I requested Bank of America to ship my debit card out to the address I have on file and the EDD debit card never comes. I called Bank of America representative to send an emergency transfer to me and I was told by their representative that I had XXXX XXXX in account. I never get any debit card from Bank of America and I was paid {$27000.00} from EDD. Bank of America told me the money wasn't in my account again, but I never received a debit card from them. I told the rep to filed for fraud claim and return my {$27000.00} benefit payment which the rep insisted that they can not do that, I've called Bank of America several times to return my money back and they insisted.

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 2023-12-02 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
Please remove this fraud inquiries off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was scammed by someone stating that I owed money for missing a court date to the XXXX Police Department on Sunday, XX/XX/XXXX. I sent the money through PayPal to a XXXX XXXX for {$720.00} plus a {$21.00} PayPal service fee for an amount totaling {$740.00}. I was told to meet with someone at the XXXX Police Department later that afternoon. When I got to the police department, I was told by someone who worked there that the person I spoke to on the phone was using the name of someone who used to work at the department and that it was a scam. I filed a report with the XXXX Police Department and was told to also file a report with the police department where I lived, the XXXX XXXX Police Department. I filed a report with the XXXX XXXX Police Department on XXXX, XX/XX/XXXX -- the following report is attached. The case number with the XXXX Bank is # XXXX. 

I received a credit from my bank for the amount taken ( {$740.00} ) shortly after the incident and those involved at the bank said they were going to look into the case. The case was denied on XXXX XXXXXX/XX/2023 and the funds were taken back. The case was then reopened on Friday, XXXX XXXX because XXXX Bank and PayPal did not have the actual police report from the XXXX XXXX Police Department beforehand. Following this, I was told from representatives at XXXX Bank that I needed to get something in writing from PayPal stating that they would approve a credit for the funds, which they never provided. I was told when I called PayPal that since the bank was handling the case now, there was nothing further they could do. A representative at XXXX Bank stated on XXXX XXXX XXXX that if a document of any kind ( email, written document, etc. ) is provided at some point from PayPal stating they approve a credit for the amount taken, they could approve giving back the funds. I am not sure why Paypal can not provide this information and if this is not resolved, further legal action is going to be taken. 

I will note that there is a supplement to the original police report from the XXXX XXXX Police Department since the first report did not have the correct amount taken. The supplemental report was taken down on XXXX, XXXX XXXX -- the following document is also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: United Shore Financial Services, LLC
State: DC

Complaint narrative:
Constant very nasty- rude harassment and disrespect from a company claiming to be United wholesale mortgage. Incendiary remarks. Refuses to take me off their call list. Numbers Ive been called from ; XXXX XXXX XXXX  and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Please assist with this situation involving Wells Fargo Home Mortgage. Requesting removal of inaccurate information all three credit bureaus because of start/end dates are totally false ; No payment started ( XXXX ) from the first last payment date which lead to the foreclosure ( XXXX ) ; foreclosure is noted to be reported ( until XX/XX/XXXX ) beyond the reporting XXXX year period. 

After numerous attempts, finally spoke with XXXX representative XX/XX/XXXX, about Wells Fargo situation and person stated- XXXX ) the information was reported & verified, and XXXX ) credit bureau do not know why it is beyond the XXXX year limit and XXXX ) it will remain on my credit report ( until XX/XX/XXXX ) because that is what reported by Wells Fargo company . 

I have not been able to make contact with a knowledgeable person from Wells Fargo that can assist me. I have repeatedly disputed the situation over the years and receive a reply of verified and the information remained 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have tried to resolve this issue with the debt collector and informed them that I was a victim of identity theft and I didn't open or give anyone permission to open this account. I asked for access to the account to see what was purchased and see how much credit was used and got no response, but just to pay it. 
Witch I refuse to do. I have absolutely no access to the account, it was opened up with fraudulent phone number and email address. 
I have disputed this in the past and got no were. I also found out that the account is still OPEN when I asked them Several times to close it. Because I didn't give them permission to open it. 
I asked what type of identification was used to open up the account. 
I noticed that the debt collector keeps adding late fees on the account. 
I feel that Debt collector is not being fair about this situation at all. 
I need to resolve this issue ASAP. 
can someone please assist me with this issue.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2023 Synchrony bank sent me a letter claiming they couldn't extend to me the full amount of credit I requested in part because of a low credit score. I spoke to a manager on XX/XX/2023 at XXXXXXXX XXXX and she informed me that per herself and other managers, the credit score in my file was not the score they sent me in my denial letter. I can provide the letter. They wouldn't provide me additional information from my file/account and told me to contact XXXX which XXXX have already done and they were no help but to confirm that my credit score was indeed incorrect per the reported score in the letter. Neither was willing to help with the problem any further because they each claimed it was only something the other organization could handle. I can provide a copy of the letter referenced above.

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