vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-17 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-17 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: GA

Complaint narrative:
I am a victim of Ideninty theft, I did not open none of these account and need them remove today. This has stopped me from buying a home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I had already placed a dispute about this error, but nothing was fixed in the end. I had a XXXX XXXX  ( XXXXXXXX XXXX ) but never received a bill. This resulted in a 30 day late payment. The 30 day late payment is still showing up on my credit report and it should be removed because I did not receive a bill. When I called back to try to close the account and pay they were unsuccessful in assisting me with my requests. There was miscommunication and the issue was never fully resolved. This led to the error being on my credit report that should be removed. Can someone please help me? It is really affecting my credit score!

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 2023-05-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX  raised our monthly payment in XX/XX/2023 after our yearly taxes went up on the home from {$2100.00} to {$2200.00}. XXXX XXXX did not notify us of the payment increase until XXXX XXXX. I autopay our mortgage payment through my bank on the XXXX of the month and was paying the {$2100.00} because I was unaware of the increase, XXXX XXXX turned us into the XXXX credit agencies for non payment in XXXX which is incorrect. This action has caused harm to my credit and I am unable to co-sign for my son 's XXXX XXXX loan for his school. I would like the record corrected, the delinquency removed and for XXXX XXXX to stop incorrectly reporting. I have reached out to the XXXX bureaus and they said they only report what they are given from XXXX XXXX  My wife and I have spoken to XXXX XXXX XXXX times and they are claiming they notified us of the monthly payment increase in XX/XX/XXXX ' but that is incorrect. They are pointing the finger and we are the damaged parties. I requested that this issue be escalated to a second level supervisor at XXXX XXXX that reports out the credit file information and was denied. This has caused irreparable harm to our credit file. We have never been late nor neglected our payments to XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I am being contacted by Spring Oaks Capital numerous times a day since XXXX. I have attempted to settle the debt with them for less than what is owed due to the fact that I did not make the charges to the accounts they are attempting to collect on and I need them to stop calling me at my job OVER AND OVER AND OVER again daily. I just want to get rid of them, but they will not stop calling. The debts are very old and I have disputed them with the companies and I am sick of them jeopardizing my job and my mental health. I request that they cease and desist with all further activity since they are unwilling to negotiate and practice illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
JPMCB CArd is not mine, I don't even have this card but yet it states that this was an inquiry on my credit report. 

It's a Bank Credit Card inquired on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, several unauthorized ( fraudulent ) transactions occured from my debit card : CHASE ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} & {$1600.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX - {$900.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$10.00} On XX/XX/XXXX : the following transactions WERE FRAUDULENT : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - {$1200.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$58.00} I filed a complaint with Chase and was told that they found these to be valid transactions. I filed complaints with XXXX and they closed the complaints and told me Chase was responsible. I did not authorize any of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION
State: OH

Complaint narrative:
The company ( Nations Lending ) XXXX Washington - XXXX # XXXX. I was encouraged and was told that a appraisal needed to be completed which I knew that was needed which cost me {$600.00}. They denied my loan because they said that they were looking for my home to be appraised @ {$330000.00}. But they knew my house was only worth at least {$310000.00}. They even told me that doing the process. I am ok with them denying the loan but they should has told me upfront prior to getting the appraisal that was the number needed. At first they did not want to provide me with the appraisal documents. 
I called the appraisal office and they informed me that their cost was not {$600.00} but around {$250.00}. So why and how can this company keep any of the monies for the appraisal that they denied. I am a XXXX XXXX living on a fix income and they deny my loan and was not honest with me. They took advantage of me. I was lied to multiple times. 
I should be due back {$350.00} 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 monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am a victim of credit fraud on XXXX accounts that I did not open. XXXX XXXX XXXX XXXX XXXX All-State  XXXX XXXX XXXX insurance was applied for in my name and I did not open these accounts. My information was leaked from my email address XXXX. I have sent multiple disputes for each of these accounts. Please delete these accounts from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a victim of credit fraud on XXXX accounts that I did not open. Avant lending, Pentagon Federal and XXXX XXXX XXXX XXXX insurance was applied for in my name and I did not open these accounts. My information was leaked from my email address XXXX. I have sent multiple disputes for each of these accounts. Please delete these accounts 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 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I got an alert from XXXX on XXXX XXXX XXXX that a new collection account was added to my credit report. The collection account was called SEQUIUM ASSET SOLUTIONS LLC for the account of {$330.00}. The original creditor was XXXX XXXX. When I called the collection company they told me that the account had a New York address attached to it. I then called XXXX XXXX and told them what had occurred and they sent me an ID Theft Information Form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: IN

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 2023-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IA

Complaint narrative:
on or about XX/XX/XXXX, the complainant and my domestic partner purchased a XXXX XXXX XXXX from XXXX  XXXX auto sales in XXXX XXXX XXXX. 

on or about XX/XX/XXXX the XXXX XXXX fusion was repossessed by XXXX XXXX XXXX and resold about 3 months later. then on XX/XX/XXXX, ACA charged out the remaining debt through a 1099c absolving us of any debt and making us liable for taxes only to the IRS. 

on or about XX/XX/XXXX, XXXX Jefferson Capital Systems bought this non-owed debt probably in bulk from ACA, and began their campaign of harassment and intimation. 

on or about XX/XX/XXXX, began reporting negative information on my consumer credit claiming we owe jointly XXXX dollars and have consistently been reporting this negative information for the last 28 months causing both consumer credit reports to drop at least XXXX points when no debt is even owed. ( a total of XXXX times each on both sets of our consumer credit reports. ) while at the same time consistently mailing collection letters and making collection calls. 
then on XX/XX/XXXX, Jefferson Capital Systems filed suit against me and my domestic partner in the XXXX XXXX XXXX XXXX in XXXX XXXX Iowa. after answering this suit and my XXXX partner promptly filed a motion to dismiss of which a hearing was scheduled about 30 days out. during this 30-day period, i sent a debt validation letter to both the attorneys of record and the company it represented. 

requesting : the original contract between ourselves and ACA ( not attached to suite ) and other things listed in the law suite .

it was during this time I contacted ACA and was informed that the debt was discharged and a 1099c was filed. a simple phone call.

I promptly filed a motion to dismiss as no debt was owed hearing was granted after Jefferson capital systems were made aware a continuance was granted then they moved to dismiss but by now both our consumer credit report was in shambles and of this could have been avoided with simple due diligence on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2023, I received a letter from Bank of America that they sent me on XX/XX/2023 stating that my request for a Bank of America Customized Cash Rewards Visa Signature care was denied. I DID NT APPLY FOR THIS CARD! I do not and never have had any kind of business with this bank. I visited the local branch of Bank of Americal to report this incidence. I spoke with a bank employee at this facility. She looked up the application an informed me that the document was submitted from a person in XXXX XXXX, TX. My SS number, name and address were correctly documented on the application. The email used was off by an additional " E '' and my birthday was off by the incorrect day of the month. As soon as I could, I went into XXXX, XXXX and XXXX, reviewed my credit reports and froze my credit accounts.

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 2023-05-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
To whom it may concern, I begging to help me with this issue as i am afraid to loose my house. I've submitted numerous applications to Planet Home Lending. This line of credit was taken out without my consent i was not aware of them. They actually did not appeared until recently and now they are trying to foreclosed. This is a second loan line of credit I owe XXXX on my first loan and just recently solved me past due with them as well. Planet Home Lending has never tried to assist me in anyway. I feel discriminated by them many times I told them that i was not aware of this loan they refuse to show me proof and even thou I am trying to solve this matter now they are trying to take my only home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo XXXX XXXX XXXX is so Screwed-up. 
XXXX XXXX XXXX Choice Wrong Bill Pay. Account to PAY Bill.to SLS Mortgage Payment was NOT due Until XXXX and this Payment is recurring every month. 
WELLS FARGO BANKING SYSTEM. I believe Deliberately. Pick, it's owen. When my Account has LOW Balance to PAY other Bills to PAY. SO BANK can Charge. Overdraft. Protection FEES. And BANK wants Customer FEEL embarrassed to Go along with their ACTIONS.justified. 
Basically. either they Finding Cordway to Make Money.Please See my attach Wells Fargo Bill Payment. Was Schedule and ACCOUNT # XXXX inted they PAID Account # 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 2023-05-17 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX OF XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry 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 explanation
Consumer complaint received 2023-05-17 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: IN

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by 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 2023-05-17 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief