vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN 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 my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX Personal Loan Companies I have no knowledge of any of these inquiries that are reporting on my report ive called each bureau to correct this issue and do not get the help i need to take care of the matter.

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 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
In XX/XX/XXXX I had a negative PayPal account balance of {$2700.00} due to someone hackung my account. Since then they have been calling me to pay the debt about eight times a year. I'm unaware of when PayPal sold the debt, but on XX/XX/XXXX I was sent a letter by XXXX XXXX XXXX stating that I owed a debt {$2700.00} to them when I was never in a contract with them. Also within the letter there was use of obscene and profane langauge in the letter that they did not have the power to " sue '' me. The use of this language left me emotioonally distraught and I know that underneath Fair Debt Collecton Practices Act 15 USC 1692d ( 2 ) protects me from this. On XX/XX/XXXX I sent a debt dispute letter with request for a proof of claim, a counter claim with self executing contract, and an affidavit of truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is reporting wrong address I have never lived at and when I try to dispute, they want to allow me to. they want to tell you who the information came from. But the information on the address is completely wrong. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-05-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is reporting wrong address I have never lived at and when I try to dispute, they want to allow me to. they want to tell you who the information came from. But the information on the address is completely wrong. 

XXXX XXXX XXXX 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing this dispute to have the bankruptcy to be removed off my credit report public records XXXX  XXXX case # XXXX due to the bankruptcy court has no jurisdiction over credit report agencies or 3rd party agency, nor do they verify. The bankruptcy clerk office is not responsible for credit report and does not provider information to the credit report agencies. i have attached the letter from the XXXX XXXX XXXX Georgia as proof. Please remove the Bankruptcy off the public record on my credit report. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/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

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never authorized these inquiries : XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX, XXXX XXXX XX/XX/XXXX ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: OH

Complaint narrative:
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

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 2023-05-23 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: LA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a solicitation from Chase Bank. Under the terms of the solicitation, I would receive 1 ) {$300.00} for opening a checking account, 2 ) {$200.00} for opening a savings account and depositing {$15000.00}, and 3 ) {$400.00} if I completed # 1 and # 2. I completed all terms of the solicitation but Chase only sent me {$300.00}. I called Chase three times and have been unable to resolve this complaint. In addition, I filed a complaint with the Office of the Comptroller of the Currency and they told me to file a complaint with your agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was contacted by Capital One Bank 's alleged attorney 's office via USPS claiming that I owed Capital One Bank {$8300.00} on XX/XX/XXXX. However, when I asked their attorney to verify the debt/amount due, they refused. I asked for the verification because in XXXX, Capital One Bank suffered a data breach that affected me as a customer, as I was told by XXXX of their representatives that someone opened an account under my name, and I believed the debt they claimed I owed is incorrect. Instead of verifying the debt, the law firm allegedly hired by Capital One Bank or the law firm that bought the alleged debt filed a lawsuit without properly notifying me with a summons. Upon my research of the law firm and their shady business practices, I decided to check court records and that's how I knew there was a pending lawsuit against me. As I retrieved the court documents and an affidavit produced by either the law firm or Capital One Bank, I used XXXX to identify the affiant and the notary public who signed what seems to be a false and robo-signed affidavit with two different companies. Now, doing further research, I see that XXXX XXXX XXXX was fined by the CFPB for predatory robo-signing practices and Capital One Bank along with their debt buyers are practicing the same fraudulent tactics that should be investigated, immediately! Attached to this complaint is an explanation for my claims against Capital One Bank and I am seeking monetary relief for damages as a victim of their shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
I'm having trouble getting my name added as successor in interest on documents mortgage.I was deeded property before death by my grandmother..but there's a mortgage my name is XXXX XXXX XXXX XXXX There's also an escrow amount for taxes and insurance I pay the taxes and property insurance on sed real estate so why am I charged {$310.00}. XXXX a month making my total payment {$1300.00} I don't understand when I pay these privately. That {$310.00} needs off my mortgage please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
In XXXX of XXXX, I went to follow up on a deferment that I had requested in XXXX of XXXX from Ford Credit on my account # XXXX because I had noticed that I was being assessed late fees for every month even though I had been paying my lease payment on time. I was informed that the deferment was never processed even though I had information specific to the deferral that would only have been obtained if they had processed it. As a result, they admitted fault by removing all the late fees, but it still meant that I was one payment behind which would have been deferred if they had processed it. As a result of them not processing the deferral, they falsely assessed me a 30 day late payment and reported this to my credit bureaus. Regardless, I made sure my payments were current and sent them a letter requesting that they remove the 30 day late payment from being reported from my credit bureaus because if they processed my deferral in the first place there wouldn't have been a 30 day late payment. They refuse to correct this and I am reporting them so that they can correct their error. If they do not correct this error through this process, I will be pursuing legal action for the falsely reported late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: NH

Complaint narrative:
I do not owe this money. I canceled XXXX over 2 years ago after more than a decade of service. i prorated the service fees and paid them in full. they claimed i owed them a full month PLUS another month. i refused to pay. they did not sue me, they did not report me to any credit reporting agencies. they turned it over to afni in XXXX il, who did not sue me, but DID report it to the credit reporting agencies and have been harassing me for months with 4 to calls per week. when i reached out to them they said " i should pay may bills ''. i do pay my bills, they have no evidence other than a final bill from at & t, which at & t did NOT sue me with or report to the credit agencies with. what is the burden of proof here? what are my next actions? some dude can't just say i owe this and then i'm screwed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report with experian to delete an remove all inaccurate information on my credit report that is invalid an needs to be removed. please review the information filed. this has been a issue for years that has gotten no response an is hindering my file. delete all information processed asap.

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 2023-05-23 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a payment arrangement set for a business credit card that is personally guaranteed. Card ending in XXXX. I got a new bank account because the business transitioned from an LLC to a Corporation. Because the arrangement was set for the other account, I tried to transfer money into the other account but Chase 's account wouldn't link to the new bank account. I called to let someone know to try to change the payment account and was told there was nothing I could do. Two days later, the business card was reported to my personal credit report as 60 days late. The payment would not have been late if I had been allowed to change the payment. I talked to several people and explained the situation because this inability to link the new accounts in Chase 's system cause almost a decade of good payment history on my credit report to go to waste because Chase wouldn't take the payment. Going forward, I started transferring the money from the correct account to the old one when I was finally able to connect the accounts a week later. Then one day, the payment was returned from that account even though the money was there. I called Chase to figure out the problem. They stated that the LLC 's bank account was set to be closed because when it was opened, the banker that opened it, failed to put the correct member information into the account profile. I never received a letter or any notification that this was happening. They simply froze the account and wouldn't allow me to make a payment to the credit card AGAIN. Twice, I tried to make payments and Chase 's system would do things without notifying me and causing me additional issues. Luckily, I had made another payment to the card so the card didn't have another late but it would have because Chase blocked the account with no notification. When I contacted them, I was told I needed to go into a branch to fix what the banker didn't do. The nearest branch is over 100 miles away. I tried to reach the banker, XXXX, to ask him to talk to the XXXX team to fix this and he no longer works for Chase. So not only did he XXXX up my account, he was no longer there to fix it. I never received any information as to the account closure. No notifications. No letters. No nothing. I want this fixed. The card is current and would have never been 60 days late had I been able to change the bank account to the new one. And Chase almost XXXX me again on this card, by arbitrary closure of an account because it didn't specify Member-Managed LLC in the profile and giving me little to no options to fix the issue. Chase ruined the perfect payment history because of repeated system issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX closed my loan account in 2017, sold it to XXXX XXXX XXXX and still reporting a balance and negative remarks. The car was VOLUNTARY surrendered, and re sold. This is illegal and against the FCRA to sell a debt, try to collect again, and report it as negative under XXXX XXXX when they don't own the account, XXXX XXXX XXXX does. They have ignored letters and requests to remove this off my report and stop with their illegal process of selling a debt to a collector I have no contract with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX closed my loan account in 2017, sold it to XXXX XXXX XXXX and still reporting a balance and negative remarks. The car was VOLUNTARY surrendered, and re sold. This is illegal and against the FCRA to sell a debt, try to collect again, and report it as negative under XXXX XXXX when they don't own the account, XXXX XXXX XXXX does. They have ignored letters and requests to remove this off my report and stop with their illegal process of selling a debt to a collector I have no contract with.

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