vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 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:
I have an hard credit inquiry that wasnt fraudulently placed on my Transunion credit report. I have been a victim of fraud before and have a fraud alert on all my credit files. Made several attempts to contact the issue XXXX XXXX XXXX. And still the inquiry remains.

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 2021-08-31 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: NY

Complaint narrative:
A dispute towards an account on your credit report should be properly investigated instead of relying on machines as the investigator when it comes to disputes. There is an account from XXXX XXXX whom is reporting incorrectly on my report. I never recieved any services from this company that would lead to any dollar amount. My suspicion maybe is that I am mix up with my father who has a similar name and has used my social security number in the past for fraudulent activities. Whatever the case maybe, I never signed a contract or ever heard of this company. The company states the original balance is {$3700.00} then a past due of an amount is {$4900.00}. This incorrect information violates my rights for accurate reporting and II am getting bullied into a debt to be paid that is not even mines for a dollar amount of {$3700.00} or {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I am submitting this complaint because I am being extremely affected by Comenity, they are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

The charges were fraudulently made I was not aware that the XXXX store had opened an account for me. I believed it was a discount card. There was a {$5.00} charge I never authorized that charged into {$95.00}. 

Account information : Account number : XXXX XXXX XXXX XXXX. 
Account status : Paid and Closed. 
Date Opened : XXXX. XXXX, XXXX  I am requesting a deletion account from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
The following accounts that appear on my credit account do not belong to me. 
Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I bank with navy federal credit union, i have never had any issues prior to this. around XXXX my telephone, and wallet had been stolen & fraud charges were on my account, I filed a dispute it was denied. i filed an appeal and it was denied due to them saying i reported having my card however all calls are recorded and they found no evidence that i had the card. Nearly $ XXXX was taken from my account. I have provided a police report and was pushed to the back burner. I have lost out on a ton of money due to the funds being taken from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I submitted a dispute investigation to Equifax about some fraudulent inquiries that I came across on my credit report. The inquiries in question I did not authorize and have no knowledge of them. Equifax failed to investigate my dispute and closed my dispute case the next day on XX/XX/XXXX stating the inquiries are factual. The confirmation number is : XXXX. 
Inquiries : -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following companies did not have my permission to run my credit and Equifax failed to provide a proper investigation and documents providing I authorized these inquiries. I have submitted a copy of my DL, proof of address, and social. However Equifax is not saying it needs to do a 30 day investigation. I have tried to explain to them it was fraud and i have supplied the docs they asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My issue is with Experian itself and NOT with a creditor. I have excellent credit. Very high score. No delinquent accounts. Excellent by Experian 's own definition. However, my credit score continues to decline without any negative reporting from any creditor. There is no explanation for the decrease in score. I can not reach Experian by phone. Their phone system us geared up to make it impossible for a consumer to speak to an agent. There are no options available to speak to a representative. The on line chat is also a dead end, as customer service reps offer the same scripted answers without resolution and to add insult to injury, disconnect the chat at their will. The on line reps appear to be trained to give vague, cookie cutter answers that do not directly relate to your issue and then disconnect. 

It seems to me that a company with so much power over an individual can get away with this type of unaccountability. If they use a criteria to determine a person 's credit worthiness, they should be held accountable for the explanation of that credit score. I feel like David trying to fight Goliath. Experian is a powerful company that has built a wall of protection that has rendered accountability for their scoring system mute. Their explanations on their actual credit reports are contradictory. A green checkmark indicates a positive action on the consumer 's part, such a on time payments or a long credit history. A red minus ( - ) indicates a negative. My report indicates all green positives marks, no negative reporting of any type, yet it also includes a mind boggling negative saying I have accounts that are late. This last fact is not true and I am unable to find this negative issue anywhere on my report. It's as if the report MUST have a negative comment somewhere built into the process to undermine the scoring system. There are no reasonable and understandable explanations for my scores dropping steadily from the low 800s to my present score of XXXX. I need an explanation.

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 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello I had an Auto loan with XXXX XXXX XXXX. I paid the loan off in full as of XX/XX/XXXX. The account is not only still showing open but there has been no updates since XX/XX/XXXX on the payments made up until I paid the account off. XXXX  payments made on time are not reflected on my Trans Union Credit Report. That keeps your score low. Recently I have used your services because they were marking me late on payments that they should not have and 2x we had to deal with that. I'm starting to feel like this company keeps intentionally doing things to try and keep my credit score low. Also not sure if they did the same thing on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Since XX/XX/2021 I have called many times to try to explain to both parties that I have never had XXXX XXXX. However on my XXXX XXXX, they are showing that I owe an unexplained amount of {$110.00}. Every time I call I get a different response. I am asking to have someone look into this as I am sure it has been happening to other people as well. I have never inquired or received any services from XXXX. I do not want or have cable, wifi, or have any phone services with them currently or in the past. " Focus receivables management '' is their debt collection company and the original creditor name appears " XXXX ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: WA

Complaint narrative:
On XX/XX/XXXX I received an stating that an account from XXXX XXXX XXXX was sent to Collections in which I supposedly owed {$1000.00}. I know I am a victim of Identity Theft! I have been calling all credit bureaus to place a freeze on my accounts and disputing the Collection account. Penn Credit Corporation is the Collection agency that I had sent the dispute too and they refuse to drop the Collection account even though it is not me. I have sent them proof that I do not live in XXXX, AZ where the account originated. I actually live in Washington and on XXXX XXXX orders at XXXX XXXX XXXX which makes it physically impossible for me to live in XXXX, AZ. I attached my Utility Bills that I pay for in Washington that are dated from XX/XX/XXXX - XXXX which is the same time from the fraudulent account was made!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have an hard credit inquiry that wasnt fraudulently placed on my XXXX credit report. I have been a victim of fraud before and have a fraud alert on all my credit files. Made several attempts to contact the issue XXXX XXXX XXXX. And still the inquiry remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
About two weeks ago I made a phone call do the customer service center at USAA and was inquiring about their rewards on different types of cards and balance transfer promotions somehow there ended up being a credit card application for their XXXX XXXX XXXX rewards card through their institution which caused an inquiry on my credit report which really irritates me because the man I was speaking with did not understand what I was trying to find out subsequently a balance transfer is executed to my existing card instead of to a new product and they ended up with a {$93.00} fee which is the {$90.00} fee plus interest I have now called this institution a dozen times and every time I call, I get put on hold or disconnected or better, yet I get different answers from different agents who don't know what to do about the circumstance the resolution I look for is to get a reversal of the fees and to get either the inquiry removed in the application council or get the stupid application to be completed so a real balance transfer can be made to the new product, and I don't understand why this bank plays games when you call as I write this, I sit on hold with them for yet another ghastly time of 23 plus minutes the first day I spent over three hours on the phone with no resolution when this happened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - the truth and lending act, and some account collection reported as an Open Account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank will not allow me to access my online banking and they have de-activated my debit card. They are holding my money XXXX while they investigate a " fraud complaint '' that they initiated. I called customer service on XX/XX/2021 because I could not access my account online, and my debit card was not working, even though there was not a freeze on the card. The fraud division at Ally refused to give me information on my account ( the balance of the account and recent transactions ) and would not allow me to move the money in my personal checking account at Ally to my personal checking account at XXXX ( which I just opened ) so that I could access my money to pay my rent on XXXX. I had direct deposit set up through my employer, so essentially Ally Bank is holding my money without giving me any information. I was told was that when the investigation was over, Ally Bank would close my account and mail me a check for the remainder of my balance, if there was a remainder. I should be allowed access to my banking account, and be able to see my entire transaction history, and be fully aware of what Ally is doing and why. Ally Bank should not be allowed to deny me access to my money, in my personal checking account.

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 2021-08-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: VA

Complaint narrative:
I have sent certified letters to this company and havent gotten a 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 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
This is not a duplicate complaint. This is a new complaint. 
The complaint consist of two parts : 1 ) After my previous complaint they accepted my payment of {$10000.00} that was received on XX/XX/2021. The day before the payment is due they reversed the payment. That's already the second payment that they have not accepted. The first one was done through the XXXX  XXXX XXXX and they said that I sent it to the wrong address which is not true as the address was the same as all previous payments. They are obviously sabotaging my payments so that they can add late feed and other illegal fees that they are adding to the account ( see section 2 of the complaint ).

2 ) They sent me an amended payoff statement. They include bogus charges. That is clearly unfair, deceptive, and abusive policy. For every pay off they charge a Recording fee of {$180.00}, Late charges of {$130.00} even though their account is not overdue. They also add a Payoff statement fee of {$30.00}. These are basically mandatory fees that were added after my account was sold to Freedom Mortgage. Basically, everyone is charged this fee and it's automatically added to my mortgage once the loan is sold to them. They say that they are allowed to add fees to service the account, but this is not a service. They just add these fees to steal money from customers. 


I hope the Bureau will take action against this predatory company and stop this unlawful practice that violates the law and allows this company to steal possibly hundreds of thousands of dollars from the customs of the freedom mortgage.

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 2021-08-31 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: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$4000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$2700.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$12000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$4200.00} I filed an ftc report and spoke with the creditors and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: Carvana Group, LLC
State: VA

Complaint narrative:
I have sent certified letters to this company and havent gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
according to 15 USC1692b Chase bank is violation of my privacy they are speaking about my debt to other people ( the bureau ) without my consent and they are unlawfully trying to demand to pull my credit report and give me an inquiry as that is unlawful just like I told them.XXXX  out the balance on this account a consumer is not obligated to pay debt. Fact, Truth and Lending is intended to help the consumer avoid the uninformed use of credit and to protect the consumer against inaccurate and unfair credit billing and credit practices and I, the consumer did not receive meaningful disclosure so be it.XXXX  out the balance on this account. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2021 I submitted a dispute with a police report to address an identity theft issue on my experian credit report. On XX/XX/XXXX, experian notified me of the results of this dispute and subsequent removal of this item. On XX/XX/2021 and XX/XX/2021 experian then stated they confirmed this account was mine and will continue to report it on my credit report. I received 3 dispute results that conflict with each other for an item that is clearly 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 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

Company response to consumer: Closed with explanation