vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-04-18 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC
State: CA

Complaint narrative:
XXXX XXXX utilizes a third party collection company known as AllTran Financial based in XXXX, Texas. AllTran financial represents to the credit card debtor that making a monthly payment to retire the entire balance due would stop any collection action and allow the credit card to be reissued after the balance is paid in full. The debt collector fails to inform the consumer that the " Charge Off '' reported by XXXX XXXX will be reported each and every month you make a timely payment. The explanation by the debt collector is that each time you make a payment it reduces your balance by that amount and they report the new updated balance of the " Charge Off ''. What they fail to further disclose is that a negative payment reported as " Charge Off '' will be reported. My financial arrangement was put in place over 17 months ago and now instead of a reporting to third party credit bureaus as 1 charge off payment the negative history on the account is actually worse than when I entered into the repayment plan. This is false, deceptive and misleading to the consumer. They should not be allowed to report any further negative credit if payment arrangements are being made timely as agreed to with the debtor. I hope that CFPB reviews this matter as it is obvious the financial arrangement between the parties is not being represented properly and XXXX XXXX is using a third party to avoid the regular banking rules and laws established by the United States Government.

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 2022-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My wife and I got XXXX XXXX  with XXXX in the fall of 2021 and were late on a mortgage payment. My wife is a XXXX XXXX and took months to recover. We were too ill to contact the mortgage company and had a late payment. We notified our loan provider LoanCare in XXXX XXXX XXXX  XXXX and asked that they remove from our credit report. We sent XXXX results XXXX XXXX XXXX but they DO NOT CARE. We never had a mortgage issue with them before this and are current on our mortgage. Cant imagine how awful they are if you are truly struggling. They did nothing to work with us over a simple matter. I called them multiple times to no avail and the decision makers will never talk to you directly. 

Now due to this matter I can not get lending and may lose {$50000.00} in deposit. 

This should not be this difficult to resolve. Banks need more government oversight because without it they are just predictors praying on any weakness.

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 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/22 I walked into a Chase Bank in order to bring my account current that had been closed due to overdraft fees without my knowledge. My account had a minor overdraft of around {$30.00} - {$50.00} in actual debit charges and then additional fees due to the few overdrafts bringing my negative balance to a mere total of {$370.00}. When I XXXX money to my Chase account is only when I realized the account had been closed by Chase. Therefore I walked into the bank to bring it current after being told over the phone by multiple employees for Chase bank that I can easily open a new account after I bring it current. However, that was not the case. After waiting in the bank for an hour for them to figure out how to bring my closed account up so I may pay the bill they had me sit with a banker and denied me a traditional checking and savings account. They did not give me a reason as to why I was denied and only offered me a prepaid debit card which did not allow Bank wires or deposits of any kind. Not only did Chase close my account without my knowledge and lie to me they then ran my credit without my consent which is they basis for why they denied me opening a new account only due to sending me a letter later in explanation. If I would have known that my credit needed to be run in order to open up a new account even as a previous customer I would have never opened up a Chase account to begin with. I did not consent to any credit inquiries by Chase Bank and all of these are fraudulent due to them not requesting or even alerting me that my credit would be run. This is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: SC

Complaint narrative:
An unauthorized account was created with XXXX using my email address and another email address of an unknown party. I am unaware of when the account was created but I was contacted XX/XX/XXXX by letter from a collection agency who purchased the account from XXXX. The account has a {$310.00} negative balance. I do not now nor have I ever ( to my knowledge ) had a XXXX account. 

XXXX has denied my claim of fraud/identity theft stating ( according to the collection agency ) that in XXXX I provided them with proof of identity which I did not. This was in the form of a copy of my passport which I have never shared with anyone except customs agents at airports. Copies of what was used to " prove my identity '' in XXXX were not provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
In accordance with the Fair credit reporting act, 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 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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the Credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 45 days I review my updated credit report and noticed that EXPERIAN did not remove the inaccurate addresses, so I am now, taking the extra step, because I really need these addresses off of 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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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 2022-04-18 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: OH

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX as well as XXXX XXXX XXXX ( XXXX  ) Account # 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 2022-04-18 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: OH

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX as well as XXXX XXXX XXXX ( XXXX  ) Account # 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 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
This debt collection company continues to violate my rights through abusive practices. Pursuant to 15 USC 1692f ( 8 ) they put their logo on the envelope of an alleged debt. They did not inform me of my rights to dispute within 30 days pursuant to 15 USC 1692g ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES ( A DEBT COLLECTOR ) IS SAYING I OWE THEM XXXX DOLLARS FOR SOMETHING THE SAY I OWED XXXX XXXX. ACCT # XXXX. I DO NOT OWE THEM ANYTHING, AND DEMAND A VALIDATION LETTER BY MAIL IN A TIMELY FASHION PER THE FAIR CREDIT REPORTING ACT. I AM ON XXXX, SO MY INCOME IS FEDERALLY PROTECTED FROM FRAUDENLANT LEGAL ACTION THAT THIS COMPANY IS TRYING TO PULL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
- On XX/XX/2022, I found out that someone hacked my Chime Checking and Savings account. Multiple transactions and transfers varied and made a total amount of {$1000.00} stolen. That was all I had in my account and all i owned in general. Not only did they steal my money, but they were able to change ALL my information on the app. I'm not sure how in the world Chime 's security was able to be breached that easily but the hacker changed my email, number, and physical address to my card. 

- I made the claims, and on the recorded line, they stated that it was indeed recognized as fraud. Chime 's dispute team said that it would take XXXX days to receive the money back. But being that it was all my money that was taken, I told them that this needed to be treated top priority because i will go homeless if i can not make rent or pay other bills. Plus it wasn't my fault for their lack of security for me to wait on money that shouldve never been taken. 

- As days pass, ( XX/XX/2022 ), I would hear absolutely nothing from Chime. I emailed them multiple times to change my information back to what it was before the hacker changed it ( because the hacker logged me off the app and couldn't do it myself ). And I never got a reply from them. So, when the money was put back on my card, instead of me getting the update, the update ended up going to the hacker and the hacker was able to steal the money AGAIN. 

-not only did chime fail to change my information when i asked, they didn't suspend my account so that my funds could stay safe until I could get in my app again. so not only did they not suspend my account, they allowed the SAME person who stole my money the first time, steal it the second time. And now they are saying that it isn't fraud and that they wont give me my money back. 

-I 've called and emailed to get an explaination from them. I'm about to go homeless and bills are continuing to rack up while we are on the rise of inflation. I've never ever had anything like this happen to my years of having Chime. 

- and now its ( XX/XX/2022 ). i really really need the CFPB 's help to getting my money back because it has physically and emotionally effected my family in so many ways. I told Chime to check IP address 's so that they can see that the fraud is happening in CA- to also prove this wasn't me. They have yet to acknowledge their poor security as well as not having security measures in place. I've spent hours on the phone with chime they aren't willing to help me and now i am willing to sue and go to the farthest extent that i can to get this fixed because i refuse to have my family taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MI

Complaint narrative:
When i left XXXX i was not informed of any debt to them. And when i got it it was to late to pay them off. Went to collections before i could do anything

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 2022-04-18 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was wrongfully evicted after the complex returned 3 months of my rent. I attempted to resolve it with the company by phone, but they still wanted me to pay most of it. Also, I disputed it via XXXX XXXX, but it was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the XXXX Account listed as items 1, 2, 3, 4, & 5, has violated my rights.

Pursuant to 15 U.S.C. 1681 ( a ) ( 4 ) I have a right to privacy.

Pursuant to 15 U.S.C. 1681 ( b ) ( a ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions. 

1. ) XXXX  XXXX XXXX  {$920.00} Closed XXXX potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Payment Info Status Charge-off 2. XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$460.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer XXXX. XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX {$8400.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX. ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$240.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Debt Buyer XXXX. ) XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection

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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
This is my 3rd submission about M & T bank pulling a hard inquiry on XX/XX/2021. 

I received a letter today from M & T where they showed that I supplied consent for a hard inquiry for a refinance ( based on an IP address ). 

Their explanation in my opinion doesn't pass the smell test. 

M & T claims the hard inquiry was for a " pre-approval ''. 

I spent over 30 years as a XXXX XXXX in XXXX XXXX XXXX and XXXX. The only thing I would have done was to inquire about what rate they could have offered me, because I knew my debt ratio at the time would never have been approved for a refinance. 

As we all know, refi " pre-approvals '' are sent all the time through the mail and they virtually always 'sourced ' via soft inquirys. 

At a minimum I believe that M & T 's website was completely misleading about this consent issue. 

Again I never thought I was applying because of my deep knowledge of consumer finance policies.

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