vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
These credit card companies have been reporting my personal non public information without my written consent. This is a violation of my privacy. 
- This is a violation of the Privacy act of 1974 and 15 USC 1681.

- Per the Fair Credit Reporting Act, as a Federally protected consumer, I am now opting out of ANY and ALL authorization I, the consumer may have given you, written or verbal per 15 USC 6802.

- These corporations does not have my consent to report my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion, XXXX, & XXXX continue to report the account XXXX XXXX inaccurately. The account has several inaccuracies that lets me know this account has not been validated or verified. The high balance, last verified, date of last activity, date reported, closed date, creditor type, creditor remarks, last payment, account type, credit limit. These areas can not all have different dates and information. 

XXXX and XXXX are reporting late payment but different months. XXXX is reporting it as a collection but not TransUnion and XXXX. 

Furthermore I have equitable interest in my credit application which was used to fund this credit transaction so therefore I can not be late when the interest should settle the account. TransUnion, XXXX, and XXXX continue to report inaccurate information knowing it to be false.

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 2024-01-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
Today I received a deposit from my unemployment that has yet to show on my account. 7 days ago on Tuesday at XXXX I tried to buy some food from XXXX it got declined due to my zip code having changed. They charged me twice and told me it was actually my card company, I called my card company every day for the past 7 business days just for them to lie to me, run me around in circles and hang the phone up on me multiple times when I ask for someone higher up. They tried to say I had a negative balance when it's an unemployment card and I've never went negative a day in my life. They then blamed the merchant, when I got the letter they claimed I needed from the merchant they then changed it and said oh they need to fax it to us it cant come from you. They constantly change the time I have to wait for my money to get back to my card and tried to tell me i couldn't count. Now today is day XXXX it's XXXX and my money still hasn't came back, and they keep putting me on hour long holds to keep me from getting answers. I'm truly convinced they are stealing peoples money and not training anyone for real. Because everyone, supervisors and employees have lied to me in the last 7 days and told me everything but a solution. They in total owe me {$170.00}, that's including my refund from XXXX and my deposit from unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Cards were opened by ex spouse without my knowledge or consent, and they refused to take me off and now my credit score has been negatively impacted as well as being bullied into paying off his debt so I can get a loan for a new house.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis continues to report inaccurate information on my consumer report. My name is XXXX XXXX I do not have any other names or known by any other names. If you have any different name spellings delete them immediately. My address is XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX there should be no other addresses listed on my report if there are delete them immediately as they are non mailable and do it belong to me. LexisNexis is reporting an alleged bankruptcy that does not belong to me. I have asked for the validation they used to confirm this bankruptcy is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Received letter from XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX and received XX/XX/XXXX ; stated I had a PayPal, Inc balance as of XX/XX/XXXX. 
This communication is from a debt collector. Total amount of debt owed : {$91.00}. This is the very first time of being made aware of this debt ; this is not my debt. Do not know what this charge is for???? 
Returning letter back XX/XX/XXXX, to dispute charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
2 Private Student Loans via XXXX XXXX Opened XXXX Joint account with XXXX XXXX XXXX of last full payment : XX/XX/XXXX Issue : CRA state items will remain on report until mid XXXX. 

This is NOT congruent with reporting guidelines. This would be 2 years beyond FCRA guidelines. 

Fall Off Date should be XXXX XXXX. 

This is an easy fix.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
2 Private Student Loans via XXXX XXXX Opened XXXX Joint account with XXXX XXXX XXXX of last full payment : XX/XX/XXXX Issue : CRA state items will remain on report until mid XXXX. 

This is NOT congruent with reporting guidelines. This would be 2 years beyond FCRA guidelines. 

Fall Off Date should be XXXX XXXX. 

This is an easy fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
2 Private Student Loans via XXXX XXXX Opened XXXX Joint account with XXXX XXXX XXXX of last full payment : XX/XX/XXXX Issue : CRA state items will remain on report until mid XXXX. 

This is NOT congruent with reporting guidelines. This would be 2 years beyond FCRA guidelines. 

Fall Off Date should be XXXX XXXX. 

This is an easy fix.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
i have asked XXXX XXXX XXXX  to validate the debt and have recieved no response.this is not me and has injured me .i am a divine being.i sent certified mail XX/XX/XXXX and have not received any response

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
i have asked XXXX XXXX XXXX  to validate the debt and have recieved no response.this is not me and has injured me .i am a divine being.i sent certified mail XX/XX/XXXXXXXX XXXX  and have not received any response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
i have asked XXXX XXXX XXXX to validate the debt and have recieved no response.this is not me and has injured me .i am a divine being.i sent certified mail XX/XX/XXXX and have not received any response

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
accounts are not mine. no knowledge of it, no legal obligation 4 it and no information as 2 its origin. There is no police report or fraud affidavit possible. please check not untimely incmplete inaccurate. check attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I received a phone call from XXXX XXXX XXXX telling me there was legal action taken against me & to call ( XXXX ) XXXX. I called & spoke to a man named XXXX. He told me there was a XXXX against my property for an account with Providian from XXXX to XXXX in the amount of {$4300.00}. He asked me to settle the debt. I asked him to validate the account with paperwork & he said I will receive the validation when I get summoned to court in XXXX XXXX Alabama ( I didnt live in Alabama XXXX XXXX ). He proceeded to get loud & rude refusing to verify the account. 
I called back to request the address so I could send a letter of validation. The man who answered the phone said he just started yesterday & didnt know & would transfer me. Another man answered saying he was the supervisor in the legal audit department ( it was XXXX again ). I asked for the address so I could send a letter of validation request & he said he is not required to give me an address. I asked for a supervisor phone number & he said I am the supervisor & he does not have to give me an address. He then went on to tell me I can validate the debt when I go to court or I could have my attorney call tomorrow. I told him he was required to give me an address & he refused. He said I would be served in a few days. 
I filled for bankruptcy in XXXX. I had no income & it was a XXXX  XXXX. I had XXXX credit in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
While checking my credit report I noticed accounts and inquiries that were on my account that I did not authorize. I filed a report with XXXX and submitted information to all three bureaus discussing what is wrong on my report and what I needed taken off. It is unlawful to punish people for acts that they did not commit. I would like for these items to be removed from my account. 

Collections : XXXX - Balance {$3900.00}, Account # XXXX XXXX XXXX - Balance {$950.00} Account # XXXX Inquiry : XXXX XXXX  XXXX. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date XX/XX/2023 XXXX. Inquiry Date XX/XX/2023 XXXX XXXX XXXX. Inquiry Date XX/XX/2023

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Im begging you please remove this to the 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
While checking my credit report I noticed accounts and inquiries that were on my account that I did not authorize. I filed a report with XXXX and submitted information to all three bureaus discussing what is wrong on my report and what I needed taken off. It is unlawful to punish people for acts that they did not commit. I would like for these items to be removed from my account. 

Collections : XXXX - Balance {$3900.00}, Account # XXXX XXXX XXXX - Balance {$950.00} Account # XXXX Inquiry : XXXX XXXX XXXX. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date XX/XX/2023 XXXX. Inquiry Date XX/XX/2023 XXXX XXXX XXXX. Inquiry Date XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act 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 a late 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 explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I send two dispute letter to Experian with XXXX tracking and they have never respond to me yet. These letters are formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my attach letter for the information that needs to be investigated. 

The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

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 2024-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MCMC Auto LTD
State: AR

Complaint narrative:
McMc Auto/ MIKE CARLSON MOTOR COMPANY did not follow through on their word with completing removing this paid off debt from my credit reporting. This company is unjustifiably claiming debt that has already been settled. Again, They did not completely remove this from my credit reporting like they agreed. I demand this account be deleted from my credit report immediately. This company has failed with conducting proper business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've never been late on these accounts, the creditors made an error with my address and sent the statement to the wrong address. They acknowledge their mistake and promised me they would remove the negativity and update the status of the accounts to paid/never late.

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 2024-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
We were renting a home from my friend 's husband. He decided he wanted to sell it and asked if we would like to buy it. We decided to do the VA assumption. We purchased the home in 2022. When completed what was required of UWM for the assumption. Initially, we were approved and then denied. They took forever to respond to us with lost of follow up from us. I am now speaking to people and realtors that said we should NOT have been denied. It was a VA to VA assumption and these happen all the time. I did not know we could appeal this decision and contact the VA directly. We lost out on a lower interest rate and taking over the terms of the mortgage. We also paid for fees that we would have not had to pay for had we done the assumption. If nothing else, we want to make sure this does not happen to another XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX , NC XXXX ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XX/XX/2023.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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