vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 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: GA

Complaint narrative:
I went on XXXX XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate. Having incorrect information can hurt my chances for upcoming approval.

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 2023-01-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I went on XXXX XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate. Having incorrect information can hurt my chances for upcoming approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was contacted by a person identifying themselves as an employee of XXXX ( XXXX XXXX XXXX ) on XXXX/XXXX/2023, advising they needed me to be at my home to be served with documents for a XXXX on my residence. I requested further information and was given a case # and a toll free telephone # XXXX, as I advised I knew nothing about such action. In the 20 minutes after I spoke with XXXX, they called my neighbor, my son, my home phone, my office phone, and my employer, advising I needed to make myself available for service. I called the number given to get more information. That subject advised he worked for the Law Firm of XXXX XXXX XXXX, and that I owed XXXX XXXX of Delaware {$22000.00}. I advised him I had no such account. He then said it was Chase Bank, I advised I had no Chase Credit Cards. He then told me they were coming to my work to serve me with a garnishment. When I advised him I knew that was false, as there was no Warrant in Debt or judgement against me, he became verbally abusive. I hung up at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I sent the letter to my service mortgage company below addressing my complaint about my credit reporting and misinformation of their loss mitigation department when I first reported my COVID related unemployment and requested a mortgage forebearance on XX/XX/XXXX and XX/XX/XXXX and was told for almost two months I needed to submit more information and rewrite my hardship letter. Fast Forward XX/XX/XXXX after I called almost daily and even ill with XXXX  and unemployed had to go to XXXX XXXX and make copies and scan applications, bank statements and required 300 page tax forms. The only representative knowledgeable enough to tell me that I did not need to send in any paperwork because my request is XXXX protected, told me they will submit it correctly and that my forbearance will start XX/XX/XXXX and they dont have a way to back date even though I reported my request due assistance to begin with in XX/XX/XXXX was XXXX related. Please see my attach Loss Mitigation Application dictating that my unemployment is due to XXXX related and other illnesses which day completely ignored. All I wanted was for them to report my account current that I am in forbearance and if at all possible allow the forbearance to start XXXX since I reported it on XX/XX/XXXX and XX/XX/XXXX and every day in XXXX, but no one was able to help me. I am still unemployed and still suffering from XXXX side effects. Please read the letter below. This is the exact letter I sent to my mortgage servicer which they said they cant do anything and I still have to pay XXXX and XXXX. Even though I told him that I dont have a job and dont qualify for unemployment I am struggling to even put food on the table so please help and escalating this complaint. 

See letter I sent on XX/XX/XXXX to my mortgage services below : To whom it may concern Please look at the very bottom email stamped in dated XX/XX/2022 requesting on the hardship letter a Covid forbearance related resulting in unemployment. I have been misinformed by the Loss Mitigation department the very first time I sent in my request and it shouldve been coded as Covid related forbearance and that the forbearance shouldve started in XXXX. Now I am moving into 90 days in arrears when it couldve been prevented if the right questions were asked and the right application were put in place for XXXX related unemployment ; these were also uploaded to my portal please resubmit the credit reporting to reflect forbearance starting in XXXX and remove the 30 to 60 days late. I would appreciate a phone call back, and I would formally acknowledge the complaint I fell this morning regarding miss information from the initial agent that took my call when I applied for help. Had it not been for the young man who took my call today I would still be waiting and will be in deep trouble. Even though my request is XXXX related. 

I will be waiting for a call XXXX  Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2023 both my cash app visa debit card and my phone were stolen. I immediately reported my card as stolen and requested a new one. The next day when the charges were no longer pending, i disputed them. There were a bunch for XXXX play and XXXX XXXX XXXX Less than XXXX XXXX  later cash app decided that these charges were not fraudulent. When I asked for documentation they used to determine that I was not given actual documentation. After stalling and delaying I was given a letter from a dispute representative with 1 transaction typed out as " card not present ''. Yeah because they used my stolen phone and card information! It is XXXX XXXX  that cash app does not follow visa cards dispute policy or any legal policy put into place. They also refuse to allow any appeal of this decision, even though it was clear they investigated nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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:
I pulled my credit report and noticed unauthorized inquiries which were not initiated by me. 

I have not authorized any person to add anything to my consumer report. 

XXXX XXXX on XX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-01-28 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: OR

Complaint narrative:
I have reported several time to XXXX credit reporting agency and Transunion credit reporting agency that the Account name : XXXX. Account number : # XXXX. 
This account has been reported as part of BANRUPTCY FILLING AND/OR DISCHARGE in court case number # XXXX It is Required by STATE LAW that not payments should be required at any time. 

XXXX credit reporting agency and Transunion credit reporting agency have Violated the State Law and 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.by reporting in my credit file that I own Such a debt. 

XXXX XXXX creditor has communicated with the above credit bureau about this issues with the Account name : XXXX XXXX. Account number : # XXXX. 
But the Credit Reporting Agency Ignores the Law by negligence and continues reporting negative inaccurate information on my credit file.

Violating my consumer rights 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX has admit that I'm a victim of identity theft I had contacted the creditor multiple times at XXXX and they agreed to remove the Account number : # XXXX from my credit file

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 2023-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
Received my new card old card was lost.. 
They will not Activate new card but want make payments still?? Card is not over the limit!!! Seems like a SCAM To me!! So untill they ACTIVATE I will no longer make payments on account that I can't Used!! 
My Indigo card is the name of card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: TX

Complaint narrative:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 


XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. Payments on Time/Never Late XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have a TD Bank business account which I opened when I lived in XXXX. I recently moved to XXXX  with the intention of keeping my business and my business account open but since then, circumstances have changed and I have been forced to close my business and therefore no longer require the account. I have asked TD how I can close my account even though I live outside of their service area and their only response has been to go to a local branch. I find this to be an untenable solution when personal account holders have the option of sending a notarized letter or requesting the account closure through their secure messaging system. At this point, in order to avoid paying the monthly maintenance fee, I will be forced to maintain a minimum of {$1500.00} in the account. This will go on until I am able to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to make an unnecessary trip to XXXX  and close the account in person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 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: NJ

Complaint narrative:
I pulled my consumer report and noticed that there were a few unauthorized, unknown inquiries being reported. At no time did I authorize anyone to put anything on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: IN

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.

1. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account nameXXXX XXXX XXXX XXXX  # unknown XXXX. Account name- XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX  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 and 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 XXXX years. 

15 U.S.C 1681 s-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 2023-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-28 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: OR

Complaint narrative:
I have reported several time to Experian credit reporting agency and XXXX XXXX XXXX XXXX that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This account has been reported as part of BANRUPTCY FILLING AND/OR DISCHARGE in court case XXXX XXXX XXXX  It is Required by STATE LAW that not payments should be required at any time. 

Experian credit reporting agency and XXXX XXXX XXXX XXXX have Violated the State Law and 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.by reporting in my credit file that I own Such a debt. 

XXXX XXXX creditor has communicated with the above credit bureau about this issues with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
But the XXXX XXXX XXXX Ignores the Law by negligence and continues reporting negative inaccurate information on my credit file. 

Violating my consumer rights 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX has admit that I'm a victim of identity theft I had contacted the creditor multiple times at XXXX and they agreed to remove the Account XXXX XXXX XXXX XXXX from my credit file

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 2023-01-28 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: TX

Complaint narrative:
XXXX XXXX am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following personal information is incorrect Account Number : Former : XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Monthly Payments made on time/ Was Never Late XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Credit acceptance has been reporting I owe them XXXX during the pandemic I paid it down to XXXX and it been over a year and they still reporting I owe 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 2023-01-28 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: TX

Complaint narrative:
I contacted Equifax on XX/XX/23 to report unauthorized inquires and wrong addresses on my credit file. I show 5 inquiries that I did not authorize to be pulled : XXXX XXXX, XXXX from XXXX, XXXX XXXX XXXX XXXX, and XXXX. 
Wrong addresses of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The representative I spoke with Equifax Customer Service refused to correct my file by deleting the unauthorized inquries and removing incorrect addresses on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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:
This is a formal complaint made by me XXXX XXXX not by anyone else. I used the guidelines set by the ftc. So i sent in a file to the credit reporting agencies and they completely disregarded my disputes and did nothing or even respond

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