vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 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:
I reviewed my consumer report and noticed that I had XXXX late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2023-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
the house was not sold to a 3rd party after the foreclosure sale as Wells Fargo stated in their petition. Wells Fargo is now listing the house for lease. The house was removed from the sales market by Wells Fargo. The house 1st sold after the foreclosure sale in XXXX, XXXX  and was eligible for XXXX XXXX XXXX XXXX XXXX through XX/XX/XXXX, XXXX the house was built on tract 1 and tract 2 of lot 25 and only tract 1 is on the Security Deed withe the loan note. Tract 2 of lot 25 is not mentioned anywhere. The border line separating tract 1 from tract 2 goes through the master bedroom. I own the property in back of tract 1 and tract 2 of lot 25 and have paid the property taxes for the last 10 years and lot 2 is not mentioned.

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 2023-06-20 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: FL

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-06-20 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: TX

Complaint narrative:
Please remove these accounts off of my credit report, I did not authorize these accounts nor did I open them. I was XXXX  for 9 years and just recently was released XX/XX/XXXX therefore impossible for these accounts & inquiries to be mine. 

XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX {$430.00} XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX {$1800.00} XXXX XXXX  XXXX/XXXX/XXXX {$710.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX {$1800.00} XXXX/XXXX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$650.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX/XXXX/XXXX {$530.00} XXXX XXXX XXXX/XXXX/XXXX {$800.00} Inquiries XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: TX

Complaint narrative:
Please remove these accounts off of my credit report, I did not authorize these accounts nor did I open them. I was incarcerated for 9 years and just recently was released XX/XX/XXXX therefore impossible for these accounts & inquiries to be mine. 

XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX ( XXXX XXXX : XXXX CAPITAL XXXX BANK XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$650.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$530.00} XXXX XXXX XX/XX/XXXX {$800.00} Inquiries XXXX XXXX XX/XX/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 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited a {$40000.00} check at Chase, and they immediately restricted my account and my access to all of my funds, not just the check. After a month of exhaustive attempts at getting Chase to verify the check, they closed my account. They refuse to return the money to the funding bank, they have made us jump through every hoop imaginable, just to say no again. We are fairly confident that Chase is committing fraud against me. Even after closing my account, they are still holding onto the funds despite XXXX requesting them back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
this account was charged off and sold therefore it should be removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
While doing a credit report, I discovered I had a balance of XXXX dollars from a Capital One Walmart credit card. The account was reportedly opened on XX/XX/2022. I never applied for or received this card, therefore I never used it. I have started a fraud investigation with Capital One, and they recommended that I start a claim here as well. I have never received a phone call, an, email, or physical piece of mail from Capital One saying that I have an account with them or that I owed them money. It was only through running a credit report that I became aware of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi Bank does not want to credit me for a flight that I booked with an airline that went out of business and I have never received their service. I received a credit for the one flight, inbound but not for the outbound. They come up after weeks and weeks of " investigations '' with standard computerize answers and even though my attorney ( see attachment XXXX and XXXX ) sent two formal letters they do not care and say, its too late now ( XXXX XXXX XXXX ). We started a dispute right after the incidence happened and now they come up with this. Why they credit me for the inbound flight but not for the outbound? Nobody really takes a look into this from Citi Bank. 

Btw : Citi Bank is the worst service ever. Choose another bank

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 monetary relief
Consumer complaint received 2023-06-20 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: NY

Complaint narrative:
Dear Credit Bureau, this account if fraudulent. I contacted the lender and they told me that someone added me as co-signer. But I never co-signed anything and didn't give my permission for that. I also never used that car and have no idea about this loan. 
Please remove the fraudulent account from my credit report : Account Name : XXXX Account Number : XXXX Open Date : XX/XX/2020 Account Type : Auto Loan I have not applied for the account. That account, either the vehicle do not belong to me. I have been trying to dispute this account for several months. I can not believe this account is still not removed from my credit history. This time I have prepared additional documents to support the disputing process. Thank you!

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 2023-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's store card has reported a balance of {$1700.00} for more than a year. This balance was paid off at that time. I have called them numerous times. They have blamed it on the credit reporting agencies. However, the credit reporting agency only reports what Macy 's [ or the card company that carries their name ]. We have made numerous calls to Macy 's even escalating to a Supervisor to no avail. In addition, we have reported an incorrect balance a number of times to all 3 credit bureaus. the credit bureaus agree and remove the balance of {$1700.00} being reported. Each month after, Macy 's again reports the balance as {$1700.00}.

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 explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MS

Complaint narrative:
On XX/XX/2023, in the afternoon, I received several text messages stating that my phone number was updated on my Chime account. Immediately following the text messages, I went to my Chime app, only to find that I was completely logged out and could NOT log back in. Then, I started getting notifications saying that money was being taken out of my accountI immediately called Chime and while I was on the phone with them, money was STILL being taken from my account.It was XXXX different transactions that occurred in less than XXXX minutes. It was my XXXX check that was deposited that same day right before it happened. Ive filed XXXX disputes with Chime and the in result is that ruled NO ERROR OCCURRED in my account. I call almost everyday and they keep telling me that it takes XXXX for them to make a decision on refunding me my money. They amount was {$880.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A business called XXXX, located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX ( also XXXX XXXX XXXX, XXXX, GA XXXX ) Phone Number ( XXXX ) XXXX, sent me a letter dated XX/XX/XXXX. 
The letter informed me they had a cybersecurity incident in XXXX XXXX. I had worked for two of their restaurants in the past- XXXX XXXX and XXXX XXXX. They indicated that exposed files included my name and social security number. 
They said they were providing complimentary credit monitoring and identity protection services for 2 years via XXXX. 
When I contacted XXXX to sign up for the services offered by XXXX which required I submit certain documents, including a notarized form for Power of Attorney, after being activated on their XXXX 's web site the site listed only a single monitoring service? So I called XXXX today to verify the documents I sent them had been received and asked about their service. I was informed that XXXX has been contracted with XXXX to only monitor TansUnion 's credit reporting activity. 
I attempted to contact XXXX and got the run around - no answers, busy, voice mails- ultimately I could not reach anyone at XXXX to ask why the service only included credit monitoring of only one major credit bureau - TransUnion. Also after contacting the number in the letter and providing the Enrollment Code the employees at XXXX never informed me they only monitored a single Credit Reporting Bureau - because there are in fact 10 credit reporting bureaus I am aware of ( 4 major and 6 sub-prime ). After enrolling, mailing documents, then visiting the " XXXX XXXX ' provided to me at XXXX 's web site did I see the inference that only one credit bureau was monitored.

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 2023-06-20 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I wrote the credit bureaus to request that they delete the incorrect personal information from my credit reports and replace it with the correct information. I included my identification to prove my name and address. All of the other addresses do not belong to me or they were previous business addresses that did not belong to me. I have no authorization to receive mail at those locations.

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 2023-06-20 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: FL

Complaint narrative:
I HAVE 26 FRAUDULENT HARD INQUIRES ON MY REPORT ..PLEASE REMOVE THEM ALL.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Brett M. Borland, P.C.
State: UT

Complaint narrative:
Hello, I am reaching because I was a financially affected from COVID-19 & the global shut down that happened in XX/XX/2020. I had recently graduated from XXXX XXXX XXXX XXXXXXXX that same week. My only source income was XXXX XXXX XXXX XXXX XXXXe which ended which I was out of school. I was not able to work or find a job due to the government shut down. I reached out to several rental assistance program for help. The property manager at the time refused to submit their affidavit forms which resulted in denials from incomplete applications. I was finally approved for rental assistance XXXX years later from XXXX but the apartment complex XXXX XXXX is not under new management ( XXXX XXXX ) & the funds were sent there. I have documentations on my approval, the amount, date & the clearing document number. The current property manager keeps avoiding my communications as I need the funds sent to the correct locations because the delinquent balance has been sent to collections. This has affected me from applying for apartments & finding stable housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX.The credit bureaus keep breaking the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to XXXX5 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2023-06-20 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account NameXXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-20 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account NameXXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-20 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: LA

Complaint narrative:
I have been Disputing inquiries by mail, phone and CFPB to have XXXX unknown inquiries removed. Even mailed and faxed FtC reports without getting remedy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation