vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 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 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}.

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 2022-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Innovate Managed Holdings, LLC
State: OH

Complaint narrative:
On XX/XX/2022 I paid the vehicle off and innovate owes me money for overpayment and paperwork related to my loan payoff. They continue to refuse to do anything they say they will do and have resorted to saying that they might find a way to make me owe more money instead of sending what they owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have a mortgage with US Bank ( # XXXX ). 
I have always made my payments on time. 
In XX/XX/2022, the payment went up from {$2600.00} to {$2900.00}. I failed to adjust the automatic payment of XX/XX/2022 with the increase of {$300.00} for the escrow account. 
US Bank applied my payment of {$2600.00} to principal and cause the loan to be in default without immediately informing me that I should pay the additional amount of {$30000.00}. Notices were send weeks after the payment was made. 
Also US Bank charged me a late fee of {$11000.00}. 
When I found out I immediately called US Bank and the person I talked to reversed the transaction and collected my {$30000.00} over the phone and told me that the fee was waived. 
The late charge of {$11000.00} is still charged in my account and the Bank informed me that management refused to confirm the waiver. 
In my opinion this is unfair and shady behavior by US Bank probably created in order to charge excessive late fee 's. 
I have no doubt that the papers I signed when I took the mortgage are drafted such that I have legally no issue and that the Bank is never liable for anything. 
I am glad that we have the CFPB that protects clients against this type of behavior.

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 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Regional Management Corporation
State: TX

Complaint narrative:
This company has contacted a 3rd party and revealed personal information to said 3rd party breaking federal privacy policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: ME

Complaint narrative:
This is in relation to a previous complaint regarding a payable upon death document on my fathers checking and savings accounts with Key Bank in XXXX Maine. As the personal representative of my dads estate I went into the bank on Friday XX/XX/XXXX to receive my portion of my dads account. I was told by the bank representative XXXX XXXX that I was not listed as a beneficiary, that my sister is the sole beneficiary. In a previous response to a complaint that I filed with you a representative from the banks presidents office acknowledged that my sister and I are both designated on the payable upon death document. See complaint # XXXX. The response went further and stated I would need to go into the bank to sign a form and I would be issued a check for half the money in each account. The bank has yet to produce the payable upon death document for me to see. And now the bank refuses to give me my half of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: DC

Complaint narrative:
On XX/XX/2022, I sent in separate, notarized and certified letters ( enclosed with my proof of identity including a copy of social security card, and Driver 's License ) requesting that all hard inquiries be removed from my Credit Reports to XXXX, XXXX, and Transunion because I was unfamiliar with the inquiries and fraudulent activity was posted to my accounts. 

I have even called on several occasions confirming my identity confirming I was unfamiliar with the inquiries and that they were furnished without my knowledge and written consent to all 3 bureau 's.

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 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: VA

Complaint narrative:
I paid the debt already and now they are saying that I owe! And they out it in collection. Please remove item from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-08-31 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: VA

Complaint narrative:
My personal information was exposed in the XXXX data breach and XXXX  XXXX data breach. I would like for the following accounts to be removed from my XXXX, TransUnion and XXXX credit report immediately. I would like for the XXXX credit account and XXXX credit builder loan from the following company XXXX XXXX XXXX removed from my XXXX, TransUnion and XXXX credit reports. I also would like for the following company XXXX XXXX loan account to be removed from my TransUnion, XXXX and XXXX credit report. All three accounts was fraudulently open without my consent.

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 2022-08-31 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: VA

Complaint narrative:
My personal information was exposed in the Equifax data breach and XXXX  XXXX data breach. I would like for the following accounts to be removed from my Equifax, XXXX and XXXX credit report immediately. I would like for the XXXX credit account and XXXX credit builder loan from the following company XXXX XXXX XXXX removed from my Equifax, XXXX and XXXX credit reports. I also would like for the following company XXXX/XXXX XXXX  loan account to be removed from my XXXX, XXXX and Equifax credit report. All three accounts was fraudulently open without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: NY

Complaint narrative:
They run my credit without my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB AUTO FINANCE BANK 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 2022-08-31 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
They run my credit without my authorization TD AUTO FINANCIE VALLY XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-31 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: GA

Complaint narrative:
This complaint is not being filed by a 3rd party and is not a duplicate complaint. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights.

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

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


1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX Account # XXXX 6. Account Name : XXXX Account # XXXX 7. Account Name : DPT EDXXXX Account # XXXX 8. Account Name : DPT EDXXXX Account # XXXX 9. Account Name : DP OF EDUC Account # XXXX 10. Account Name : DPT EDXXXX Account # XXXX 11. Account Name : DP OF EDUC Account # XXXX 12. Account Name : DPT EDXXXX Account # XXXX 13. Account Name : DP OF EDUC Account # XXXX 14. Account Name : DPT EDXXXX Account # XXXX 14. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX 15. Account Name : XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 16. Account Name : DPT EDXXXX Account # XXXX 17. Account Name : DPT EDXXXX Account # XXXX 18. Account Name : DPT EDXXXX Account # XXXX 19. Account Name : XXXX Account # XXXX 20. Account Name : XXXX Account # XXXX 21. Account Name : XXXX Account # XXXX 22. Account Name : DPT EDXXXX Account # XXXX 23. Account Name : DPT EDXXXX Account # XXXX 24 Account Name : XXXX  XXXX  Account # XXXX 25. Account Name : DPT EDXXXX Account # XXXX 26. Account Name : DPT EDXXXX Account # XXXX 27. Account Name : XXXX 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 non-monetary relief
Consumer complaint received 2022-08-31 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: GA

Complaint narrative:
This complaint is not being filed by a 3rd party and is not a duplicate complaint. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights.

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

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


1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX 4. Account XXXX : XXXX Account # XXXX 5. Account Name : XXXX Account # XXXX 6. Account Name : XXXX Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX 8. Account Name : XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX  XXXX Account # XXXX 10. Account Name : XXXX XXXX Account # XXXX 11. Account Name : XXXX XXXX  XXXX Account # XXXX 12. Account Name : XXXX XXXX Account # XXXX 13. Account Name : XXXX XXXX  XXXX Account # XXXX 14. Account Name : XXXX XXXX Account # XXXX 14. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX 15. Account Name : XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 16. Account Name : XXXX XXXX Account # XXXX 17. Account Name : XXXX XXXX Account # XXXX 18. Account Name : XXXX XXXX Account # XXXX 19. Account Name : XXXX Account # XXXX 20. Account Name : XXXX Account # XXXX 21. Account Name : XXXX Account # XXXX 22. Account Name : XXXX XXXX Account # XXXX 23. Account Name : XXXX XXXX Account # XXXX 24 Account Name : XXXX ACCEPTANCE Account # XXXX 25. Account Name : XXXX XXXX Account # XXXX 26. Account Name : XXXX XXXX Account # XXXX 27. Account Name : XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: Cascade CISS Holdings, LLC
State: CT

Complaint narrative:
Hello I am reported the social services office of the state of Connecticut. I contacted them XX/XX/22 in regards to an incorrect balance of my account that was reported on my credit .. the XXXX XXXXt balance has been paid off in full. There is currently a XXXX $ owed. When I contacted social services office they reassured me that by XX/XX/22 this would be cleared off and reported as paid off on my credit. However this still shows a balance on my credit and is very much affecting my score. I need this fixed & removed. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Between the dates of XXXX XXXX XXXX I have called equifax literally a dozen times to fox the issue why my credit report is unable yo be pulled or why I am unable to access my free credit report and they have each and every time given me the run around as to why I am unable to access it. I am in the process of buying a home and this is ridiculous. It takes 10 minutes to get through all the automated messages and then the phone call is outsourced to someone with XXXX  English that doesn't have a clue as to what is going on with my account. I am lite trying to access my credit report and purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: GA

Complaint narrative:
I've tried on one other occasion to get inaccurate findings off my report but nothing has changed. Accounts being reported as late but also appear as a charge off and dates do not match. Is it late or charged off, cause it can't be both!

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 2022-08-31 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: VA

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-08-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account Number # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2022-08-31 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: Checkr, Inc
State: CO

Complaint narrative:
DMV record is not accurate.The XX/XX/2018 incident was posted twice. The official Colorado Bureau of Investigations report doesn't match what Checkr Background provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: GA

Complaint narrative:
Equifax has been collected data with out my knowledge through my phone and computer and has violated my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have paid in full Amex credit card back in XXXX, but it still shows as delinquent account in my credit report, and therefore, It has been affecting negatively my credit score since then. I have contacted the credit company to fix this error back in XXXX but until now this problem hasn't been resolved yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: VA

Complaint narrative:
I've contacted XXXX and Transunion Via certified mail and phone XXXX, XXXX and by phone XXXX clarifying and confirming that the other addresses never belonged to me and that they are still on my credit report. I included my ID, utility bill and SSN so they can verify my only address and name.

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 2022-08-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts : XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX XXXX and XXXX XXXX  # XXXX have violated my rights. 

15 USC 1681 section 602a states that I have the right to privacy.

15 USC 1681 section 604a also states a consumer reporting agency can not furnish an account without my written instruction. 

Please delete these accounts from my 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 non-monetary relief