vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

15 U.S.C 1681 ( a ) ( 1 ) States that the consumer report is inaccurate & unfair.

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.

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 2022-07-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have several problems with Transunion, the first problem is the are sending me letters as if I am working with a 3rd party such as credit repair company. I have put in writing that I am not working with no credit repair company, and I am sending the letters due to inaccuracies on my credit profile, and there are refusing to read my letters wasting my time, ink, and money, Second, when calling them, there are still refusing to help me I have over 42 inquires on my credit profile and I am trying to dispute them and they're are refusing to do so giving the run around on the phone and in writing. Then when deal with the XXXX  XXXX bankruptcy they verified as accurate and they used data furnisher, when I have sent letters from courts, and pacer, and credit reports showing inaccuracies, but the still verified as correct. I've been dealing with this XXXX  XXXX since XXXX and all they do is lie and say that they're are working on it, which is not true it's almost XX/XX/2023. I am frustrated and have also have asked for a written signature they have also refused as well, but I guess they didn't received that letter when have certified all the mailed. Attached is all the information, from Transunion and the items I've sent to transunion this has been ongoing problem since XXXX. I am very irate.

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 2022-07-19 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion ADDRESS : 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 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 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 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 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 2022-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I filed the tax returns ( XXXX XXXX and XXXX XXXX ) in XXXX and was tax due to both IRS and XXXX XXXX XXXX ( state of California ). The amounts were XXXX $ to IRS and XXXX $ to XXXX XXXX XXXX ( state of California ) I provided XXXX 's American Express Saving account details as the account had ample funds to pay these tax due payments. The same were deducted from the account on XXXX of XXXX ( see the attachment ). On XX/XX/XXXX American Express tried to contact to confirm the charges but XXXX was busy with work and meetings, so we called American express in the evening. We told that the transactions are genuine and they need to pay both IRS and XXXX XXXX XXXX ( state of California ). At that point American Express told me that the transactions were rejected and asked me to initiate the transactions again with both IRS and XXXX XXXX XXXX ( state of California ) ( see the attachment ). 

I went ahead and registered an account with bth IRS and XXXX XXXX XXXX ( state of California ) and payed the taxes due. The same were XX/XX/XXXX and XX/XX/XXXX ( see the attachment ).

Since the first transactions were rejected by American Express ( even though there were funds available ), both IRS and XXXX XXXX XXXX ( state of California ) charged the return fee ( IRS : {$390.00} and State of California : {$27.00} ) I asked American Express to pay for the return fee as they were the ones rejected the transactions without confirming them. But they denied to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
I voluntarily returned my XXXX XXXX to XXXX financial around XXXX due to mechanical issues ( paid XXXX in repairs in 2 years ). XXXX XXXX and their attorneys XXXX and XXXX placed a judgment on me on XX/XX/XXXX. This date is clearly past the 5 year statute of limitations in Florida to collect the debt. I called XXXX and XXXX and asked why they did this after the statute of limitations expired. The representative told me I made a single payment 3 years after I returned the car and that payment started the clock over again and they can collect on the debt. I didnt make a payment to them and asked for proof of payment, date of payment and mode of payment. XXXX and XXXX told me they didnt have the info on the payment they said I made, but they would get the info and contact me via phone or email to prove I made a single payment years after I gave the car back. Never received a call or mail proving the payment. I called back asking for the info and the representative said they cant get me proof of the payment they said I made. XXXX and XXXX t placed a garnishment on a chase account ( XX/XX/XXXX ) I shared with my XXXX XXXX XXXX grandfather with I was taking care of him at the end of his life. The judge in XXXX XXXX XXXX Florida reversed the garnishment on a web conference call and returned the money back to my grandfathers account since I made no deposits into the account and his account consisted of Pensions, social security and POW benefits from XXXX. They did however take around {$800.00} from a chase account I opened while taking care of my grandfather in Arizona. 


. They also violated the fair debt collection act numerous times trying the collect the debt. They called X wife and relatives with strong arm collection tactics saying the Sherriff was coming to my house unless I contacted them or paid the debt. I contacted Cascade via mail and to them to only correspond with me via mail due to their tactics. The calls stopped for a while and started back up. They would call me and do the same tactics.

In closing, Cascade Capital and XXXX and XXXX cant prove I made the single payment years after I returned the car and before the 5 year statute of limitations expired. I feel like they made up the payment to extend the judgment. A quick online search shows this is not the first time they have used this tactic to extend the statute of limitations so they can continue to collect after the statute of limitations expired They also recently placed another judgment on me to keep this going to try to collect. Its been a nightmare for sure.

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 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The banking institution I currently have a checking account with, JP Morgan Chase, has been charging my account exuberant overdraft fees that put my account minus - {$600.00}. at one point!

I do understand that some of those fees I am responsible for but to blatantly over charge my account up to the point of over drafting it is, honestly, unprofessional to the point of shocking! In addition, to add salt to injury ( so to speak ), I have been paying these fees further straining my finances and was only resolved when I called an agent to ask for additional time to pay down my overdraft account ( - {$600.00}, it was much higher before ), unbeknownst to me that most of that was due to overdraft fees of the bank itself. 

The agent I spoke to was polite and actually reversed 29 fees at {$34.00} each! My account was - {$600.00} before I called and after the reversal of fees my account now sits at {$380.00}. How is this fair business practice when the bank was charging me {$980.00}. in fees alone!? 

Although the issue was eventually resolved and my account is now positive I still feel cheated by the bank I trusted to safeguard my money. This is not fair and, how many other instances and customers is this bank over charging their accounts and simply letting these fees accumulate to outrages amounts that solely benefits the bank itself!? 

Again, please imagine that a bank ; an institution that is designed to serve customers and safeguard their money ends up charging you {$980.00}. in overdraft fees alone. Irregardless of the fact that I didn't manage my account properly it still stands that this type of fee hiking is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I contacted Navy Federal Mortgage to apply for a home owner loan. On our initial call I told the loan agent that I own a company and that I have a new job that I am moving to XXXX XXXX XXXX to begin, AFTER I buy a house. I asked if that income could be used to determine my pre approval amount. I was told yes and for me to send in an acceptance letter from the new job. I did this XX/XX/XXXX and I was approved for the Pre approval on XX/XX/XXXX. I went through a very rigorous process. I paid for things during this process like home inspection, profit and loss statements, a second inspection, ... .etc. 4 days before closing, I get a call that said that even though there was a acceptance letter, and even though they contacted the owner of the company to verify employment, that I was denied because they could not verify my income through a pay stub. If you will read the same document that they asked me for, ( acceptance letter ) It says that I didn't start my job until XX/XX/XXXX. My closing was XX/XX/XXXX. Therefore they KNEW that there would be no pay stubs. Why would this company allow me to go through all of this, to deny me for something that they had knowledge of from the beginning. I invested time, money, energy. I started shopping for appliances, starting applying to moving companies ... ..etc.This was so wrong on so many levels. For them to be a name brand bank and for them to play with my life like this was terrible. Thank you for listening and I hope that we can resolve this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Morgan Chase, account XXXX ( see attached ), is reflecting a balance of {$150.00} in the Account Info section on my XXXX credit report as of XXXX XX/XX/XXXX when the account was paid in full in XX/XX/XXXX which is also reflected in the Balance section as {$0.00} on my XXXX credit report. 

I respectfully request proof of this {$150.00} balance and an explanation why I have not received a bill in the mail if indeed I still owe a balance of {$150.00}. I believe this balance was tacked on to my credit report in retaliation for disputing something completely different : 30 days late in XX/XX/XXXX. Please also send proof that I was late in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have tried numerous times to dispute a debt owed to XXXX XXXX by disputing with XXXX etc. I even told portfolio recovery this isnt mine. I called XXXX XXXX XX/XX/XXXX and told them that this was not mine and he said it looks like fraud. the charges are not anything I would make and I havent lived in XXXX since XXXX. My SSN has been stolen before that is why I have a identity theft number for every income tax I file with the IRS. I have lived in XXXX Florida since XXXX XXXX. In XXXX I was not traveling anyway due to covid and my job had restrictions on mileage. we couldnt even go XXXX miles from XXXX XXXX. This account is ID theft, even when I called to dispute it today he said I need a police report to dispute someone stealing my identity. this has messed up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In XX/XX/2022, XXXX XXXX  XXXX  requested a credit review on my name through TransUnion. I am a current customer of XXXX '. 

When I called XXXX, they transferred me to 5 different people but did not respond to my question as to why a credit inquiry was initiated using my personal information. 

I am being extra vigilant because a few days ago, someone fraudulently used by personal information and tried to apply for a credit card on my name with XXXX. After I received the alert by XXXX that XXXX ran a credit check on me and after i confirmed the details with XXXX, I decided to be cautious and check all 3 credit bureaus for suspicious activity. This is when I saw the XXXX inquiry. 

XXXX was also unwilling to put an alert in their system for my name/ss #, in case someone tried to open an account with them using my name fraudulently.

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 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have tried numerous times to dispute a debt owed to Capital one by disputing with XXXX etc. I even told portfolio recovery this isnt mine. I called Capital one XX/XX/XXXX and told them that this was not mine and he said it looks like fraud. the charges are not anything I would make and I havent lived in XXXX since XXXX. My SSN has been stolen before that is why I have a identity theft number for every income tax I file with the IRS. I have lived in XXXXXXXX XXXX since XXXX XXXX. In XXXX I was not traveling anyway due to covid and my job had restrictions on mileage. we couldnt even go XXXX miles from XXXX XXXX. This account is ID theft, even when I called to dispute it today he said I need a police report to dispute someone stealing my identity. this has messed up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX  XXXX Inquires : XXXX XX/XX/XXXX XXXX XX/XX/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 Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Equifax Employer : XXXX Address : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXXXXXX Inquires : XXXX XX/XX/XXXX XXXX XX/XX/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 Experian  Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/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 Employer : XXXX Address : 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

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