vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Debts result of ID theft, account takeover fraud etc-see links below ( court order, local police, FTC, iC3, etc included in links below for your verification-zip file too large for attachment ) https : XXXXXXXX XXXX XXXX XXXX XXXX? XXXX please delete lines immediately-waiting for months-accurate history needs to be moved to new credit profile granted for XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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: SC

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I Have intentions of paying the balance but having placed on my credit profile without contact is unprofessional. Furthermore a representative informing me that this could negatively impact my credit isnt within the guidelines for a creditor/debt collector to discuss with a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I currently have a mortgage with XXXX XXXX. I contacted them directly to refinance my mortgage. I did not XXXX or use any social media to search for information. As soon as XXXX XXXX pulled my credit report, my husband and I both started receiving phone calls and text messages from random mortgage services/companies. Now XXXX XXXX wouldn't sell our info to other other mortgage companies because that would be their competition. The only thing I can assume is that Equifax, XXXX and XXXX are allowing other entities to monitor my credit report and once someone pulls it, they're notified and know exactly what type of financing. I'm sure the 3 credit reporting agencies are also making money off of my private information. HOW IS THIS LEGAL??? My husband receives 10 plus phone calls every day since our credit report was pulled by XXXX XXXX. He receives the same amount of text messages. All from random companies and numbers. As soon as he blocks one number, they call with another number. I also am receiving calls and texts on my phone. It's a violation of our privacy and this practice needs to STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: IN

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: MD

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent a wire from XXXX XXXX XXXX to JP Morgan Chase on XX/XX/2023. The wire was held for review by Chase. Chase requested additional information, which was provided on 4 separate occasions between XX/XX/2023 and XX/XX/2023. 

Chase is still holding on to my money as of this am ( XX/XX/2023 ) and is refusing to release my funds for me to close a business deal. 

XXXX  XXXX XXXX advised me to contact Chase as they are not responding to their inquiries ( I have responded to Chase 's request through XXXX  XXXX XXXX- on 4 separate occasion. Chase kept requesting the same information ). 

When I called Chase, all I am getting is the runaround and was told they can not discuss the issue with me since I am not a Chase customer. BUT -- -they are holding onto {$150000.00} of my money. For 14 days. This is stealing. 

I need this issues resolved ASAP and it seems like Chase is unwilling to do so. I have a BML and a TRN number for the wire, and documentation from XXXX XXXX XXXX that this wire was sent and received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: RENASANT CORPORATION
State: MS

Complaint narrative:
My mortgage at Renasant Bank in XXXX, MS was scheduled to refinanced when my balance was approximately {$16000.00}. I filled out the online application and supplied all needed information to my bank. I also submitted a bid for home repairs in the mortgage package along with the balance of the note. During this time, Renasant dragged their feet getting this done and passed me around to 3 different loan officers, taking over 3 months to complete. The loan balance was refinanced but i was turned down the additional funds for repairs due to my credit score. During this three months time, I have learned that Renasant reported to all credit bureaus that I was 30 and 60 days late with a payment on this loan that was in the process of being renewed and was untrue. This false reporting hit my credit score for over 100 points. And I believe that Renasants own false reporting to credit bureaus was used to make the decision to deny my additional funding. I now suffer consequences of the lowered credit scores including having lines of credit withdrawn and loan applications denied much less the refusal for Renasant to lend the additional funds for home repairs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems has reported 2 collections to the credit agency for an apartment property that I have never heard or nor had an account with ( XXXX XXXX XXXX ). 

One amount is {$990.00} and the other is {$450.00}. This debit collection agency has never mailed or contacted me because, they do not have my contact information as I have never lived in any apartment community called XXXX XXXX XXXX. Additional, they have no documentation from XXXX XXXX XXXX with my signature. 

This is in direct violation on my civil rights to have a accurate credit report, this collection is illegal and by law needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: SC

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, Frontline Asset Strategies , LLC reported a fraudulent XXXX account that I reported to XXXX on XX/XX/XXXX. I contacted XXXX who advised me to put in a new fraud form and mail also the FTC Identity Theft report, which I did on XX/XX/XXXX. I havent received any confirmation in regard to this fraudulent account since then. Frontline Asset Strategies , LLC was notified also by mail, email and phone. I was not sent any notices from the collection agency before placing this on my credit reports as I talked to XXXX, from Frontline Asset Strategies. who stated mail was sent to the address he has on file before reporting this account to the credit bureaus, which was a fraud address and which XXXX was aware of yet Frontline Asset Strategies continues to mail my personal information to the fraudsters. My purchase of a new home is set for closing tomorrow, XX/XX/XXXX, and this caused me to risk {$15000.00} of earnest money. If this account is not removed by XX/XX/XXXX, I will include Frontline Asset Strategies , LLC in a lawsuit to recover the earnest money I will lose due to this fraudulent account they reported and never properly notified me of this before reporting it to credit bureaus, even though this fraud account was reported to XXXX previously on XX/XX/XXXX. I have attached all copies of letters emailed and mailed to both Frontline Asset Strategies , LLC and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was given a credit reversal on XX/XX/XXXX for a service I was coerced into purchasing at the airport, I wasn't even able to use said service, I made claim and received my reversal on XX/XX/XXXX, apparently on XX/XX/XXXX I was given a refund from the merchant, instead of the bank recouping the reversal into their account, they let the refund go into my account, did not notify me of the refund on the XXXX of XXXX in form of letter, email, or in app message. forward to XX/XX/XXXX, the credit reversal was taken away a day before I had to pay my rent, so effectively the balance was in the negative, I woke up to low balance alert and was told I was refunded my money and anything else the bank may have made an error on is on me, I spoke to several customer service reps, supervisor and claims department, all were equally unhelpful, I feel I was charged wrongly a month later, was not notified of any charges or refunds prior as well. I feel they have mismanaged my funds and I'd like to he reimbursed the money they took from my account. I tried complaining to the bank but was refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I Have intentions of paying the balance but having placed on my credit profile without contact is unprofessional. Furthermore a representative informing me that this could negatively impact my credit isnt within the guidelines for a creditor/debt collector to discuss with a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Hi there, I opened a new checking account with Wells Fargo on XX/XX/23. I XXXX {$25.00} from my account at XXXX XXXX to Wells Fargo for initial deposit. Today my Wells Fargo account receive my payroll, so I sent XXXX {$300.00} back to my XXXX XXXX. When I was on XXXX on Wells Fargo app, I selected " Send '' and my name came up. I thought Wells Fargo XXXX recognized my profile from receiving my money last time, so I selected my name without noticing that the last 4 digits of the tel number is one digit off. After a few minutes I checked my account at XXXX XXXX and was concerned because I did not receive money. I went back to my Wells Fargo account on the app and noticed that the last 4 digits of tel number is off and saw the name " XXXX '' was the person who enrolled with XXXX using my name. I called Wells Fargo to dispute. They started investigation and told me that they will let me know the result in 10 business days. I truly believe that Wells Fargo XXXX function are being compromised. My account is only 3 days old and someone has an ability to compromise my name using tel number exactly almost my number but just one digit off to create a profile using my name. I did call this person and got a voicemail with the name XXXX but she did not respond and sent me money back. I attached a snapshot from Wells Fargo XXXX for your information. Note : My name 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 explanation
Consumer complaint received 2023-07-06 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: AZ

Complaint narrative:
I had a payment get returned to the company on XX/XX/XXXX and on XX/XX/XXXX I remade the payment online ( I paid the amount stated online {$100.00} ). The company has been calling me nonstop while at work, I call them back and had to leave a message. They emailed me saying I still owe them {$19.00} because there is a {$10.00} return fee for the first payment and they never explained what the other {$9.00} was for. They also said that since it is now XXXX I am now 30 days past due which is ridiculous my very first payment was due XX/XX/XXXX. I kept asking them how this could be and they ignored my question and said I must pay the {$19.00} which I already had as soon as I found out I owed it. This company is predatory and obviously will make false reports to the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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: NJ

Complaint narrative:
These inquires do not belong to me and are fraud. I have included the identity theft report. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These inquires do not belong to me and are fraud. I have included the identity theft report. 

Inquiries : 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 explanation
Consumer complaint received 2023-07-06 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: MoneyLion Inc.
State: NY

Complaint narrative:
Dear MONEYLION INC, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name MONEYLION INC Account number XXXX Account type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status The account was charged off. {$190.00} written off. {$110.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Balance {$110.00} I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 30 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/XXXX I entered into the XXXX  mortgage protection with Chase Bank due to lost of employment. I was told I qualified for XXXX months of protection. 
XX/XX/XXXX Chase Bank sent me documents to modify my existing mortgage changing my loan to a XXXX year loan with 6.7 % interest rate. I refuse to sign as I'm not in agreement with these terms. I have an FHA loan and I should be eligible for other repayment options. I never submitted any income so the bank doesn't even know if I'm financially able to make the new proposed payments. 
They refuse to give me other options.

Company response to consumer: Closed with explanation