vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 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: OH

Complaint narrative:
On about XXXX 2022 I filed a dispute of inaccurate information under section 608 -612 of the FCA . On or around completion XX/XX/2022. I received an email from XXXX, XXXX and Trans Union stating that information was added and staying on my report without it accurate information according to the FCA section 608 as well as adding deleted information that has also not been required by the FCA I am writing this report because I feel multiple things on my credit report is incorrect and has not been thoroughly investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On about XXXX 2022 I filed a dispute of inaccurate information under section 608 -612 of the FCA . On or around completion XX/XX/2022. I received an email from XXXX, Equifax and XXXX XXXX stating that information was added and staying on my report without it accurate information according to the FCA section 608 as well as adding deleted information that has also not been required by the FCA I am writing this report because I feel multiple things on my credit report is incorrect and has not been thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: TX

Complaint narrative:
FCRA Violation : address not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation : credit card not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE FCRA Violation : other loan never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX FCRA Violation : auto loan not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FCRA Violation XXXX hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 FCRA Violation : collections not mine 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 2022-12-15 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:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FCRA Violation : other loan never latXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX FCRA Violation : auto loan not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation XXXX hard enquiries not mine 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  FCRA Violation : collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On. XX/XX/2022. Capital One did what they refer to as charge back and took back money on a debit charge I had made on XX/XX/2022 For a cell phone service plan from my provider straight talk wireless which a division of Walmart. Capital One took back XXXX from straight talk claiming unauthorized purchase which was not true because I bought the phone plan. That in turn lead to my phone service being suspended which in turn cost me another XXXX for last 7 days of my phone plan. I contacted straight talk to see why my phone was off and they told me Capital One had taken back the money. When I reached out to Capital one and said they had no right to do that and that I wanted XXXX dollars credited back into my account for the XXXX they took and other XXXX I had to pay and they said no they weren't going to do that because they have no record of a XXXX transaction on XX/XX/2022. I then contacted straight 2 more times after and confirmed both times that Capital One called it an unauthorized transaction and was not approved. But straight told me 3 times that the transaction on XX/XX/2022 was an approved transaction. Capital one stole money from me for absolutely no reason whatsoever not to mention 25 days after I has made the purchase claiming that it was walmart trying to get paid for the XX/XX/2022 transaction which 4 different customer service agents at straight talk wireless said was not the truth that Capital one was the one who took my money. I have contacted straight talk wireless and asked for copies of my interactions with customer service where they assure me that Capital One had indeed took the money back. I wan na press what ever charges I can against Capital One fir theft and swindle and whatever else I can do. This action by Capital One was a blatant all out theft and they need to be held accountable because if I had done something like that to Capital One I know fir sure I'd be charged and expected to make restitution fir money I took. I want XXXX dollars from them minimum fir my time and suffering and the money they stole from me. Also criminal charges on them as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : XXXX. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009, and what actions s/he has taken in relation to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
A company called 5/3 Bank purchased my loan from XXXX XXXX. The new mortgage holder has recently paid the taxes on the house as required. This puts the escrow balance to a negative XXXX. This happens every XXXX when the taxes are paid. 5/3 bank has claims that my escrow shortage is {$7400.00} and because of that I must pay an extra {$610.00} monthly in order to catch up on the escrow balance. Their are wrong! Here are the escrow details. My annual insurance is {$1700.00} and the taxes are {$7300.00}. Which total XXXX a year or {$750.00} a month. But 5/3 bank wants me to pay {$1300.00} a month escrow. That calculates out {$16000.00} in escrow paid over the next 12 months. But the amount of my insurance and taxes combined is only {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: NY

Complaint narrative:
My complaint is against Transunion. On XX/XX/XXXX I received a phone call from XXXX XXXX questioning if I was attempting to open a credit card with them. I believe this was flagged by XXXX XXXX because I already have an existing account with them. I informed XXXX XXXX that was NOT me attempting to open an account and to close out the request as fraud. XXXX XXXX informed me they were going to contact the credit agencies to let them know what had occurred and that I should do the same. I contacted all three credit agencies. XXXX removed the fraudulent inquiry when I called. XXXX and Transunion requested that I send in a formal letter, with a copy of my photo ID, FTC report and a copy of my credit report. I sent in the requested information to both agencies as requested ; however, XXXX removed it with in a few business day but Transunion sent me a letter back stating the letter I sent them was not from me when in fact it was. I contacted Transunion to inform them the letter was in fact from me because that was what they requested I do and still they weren't willing to take off the fraudulent inquiry. I contact Transunion again after receiving their notice ; however, they stated they need to review the information " manually '', this is was told to me by XXXX of their supervisors named XXXX. I complied with their requests with sending in the required information and yet they still refuse to remove the fraudulent inquiry. This is my final attempt before filing a lawsuit against them for not complying to the regulations under the Fair credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: NC

Complaint narrative:
XX/XX/2021 I inquired online regarding a consolidation loan with Upgrade Inc. 

I was asked to provide account numbers for the debt I was seeking to consolidate Within days I received notice that a loan had funded in my name and payments were sent to my credit union and several of my credit card accounts. 

I contacted Upgrade Inc and informed them I never received a loan disclosure or truth in lending statement, nor had I approved or signed off on an XXXX or monthly repayment amount. 

I returned money that was deposited to my credit union as well as had all money returned from my credit card lenders that was sent as a payoff. 

I received a letter from Upgrade stating that all money had been returned and that they were working to close the account and update the credit bureaus. 

I was strong armed into a loan without full discloser and transparency after making an online inquiry! 

They never made good on updating my credit report and intentionally sold the erroneous debt to a third party leaving me with a bogus charge off and detrimental credit rating, that is now costing me in higher interest rates as I shop for a home mortgage. 

MY CREDIT REPORT SHOULD BE UPDATED IMMEDIATELY AND NOT A WHOLE YEAR LATER! 

There are fair lending laws for the state of XXXX XXXX XXXX Upgrade Inc should not be above the law and strong arming the public into doing business!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Someone opened a Macy 's account, XXXX loan, and XXXX  under my name. Identity theft. I've disputed several times fraudulent and they will not remove it from my credit file.I have not applied for anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
ALLIED COLL trying to collect debt in the amount of {$11000.00}. It's unknown to me opened XXXX XXXX, 2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: FL

Complaint narrative:
Ive been a victim of identity theft and Ive file many disputes to remove these files on my credit report. Investigation did not fix error on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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.

Complaint narrative:
In accordance with the Fair Credit Reporting act. The violated protected consumer rights to privacy and confidentiality I have cleared all accounts in the XXXX month. It's showing due amounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I came to XXXX of XXXX  XX/XX/XXXX to purchase a XXXX XXXX  i had a preapproval from XXXX XXXX XXXX and told them that i already had outside financing. They kept pressuring me to pull my credit again to find a competitive rate for the approval i already had i was hesitate and told them i rather go with pre approval but they kept pushing to pull my credit. they ended up pulling my credit and said they couldn't beat my interest rate of 2 % from XXXX  XXXX XXXX. They went behind my bank and switch my finance company to southeastern toyota finance without my knowledge with an interest rate of about 6 %. They kept using coercion tactic to prevent me from leaving dealership without signing for the car. Eventually the car got repoed XX/XX/XXXX they sold my information to a third party tow company they came to pick up the car while the car was out in a shopping plaza. There was no explanation the car was just gone and they wouldn't allow me to collect my items from the vehicle after towing it. They damage my property in the car and they sold the car to auction. I sent letters to ask them to validate the debt XX/XX/XXXX the dealership keep saying my claims was baseless and I sent a letter to arbitrate they didn't enter arbitration with me and told me i will be required to pay for all attorney fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I think someone made an account under my name with chase and keeps opening it up some how when I closed it with the bank and it keeps re opening and They told me that they think someone has stolen my social security but I didnt think anything of it in till now cause I keep getting statements thru email basically saying the account is active. Also my account got overdrawn somehow So i think someone has my social somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: CT

Complaint narrative:
I have a bunch of hard inquiries in my account that were not made by myself. I called all three credit reports and they suggested I make an FTC report. 

New Inquiry Reported By 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: Nelnet, Inc.
State: GA

Complaint narrative:
Someone opened a XXXX XXXX XXXX, Nelnet loan, and XXXX under my name. Identity theft. I've disputed several times fraudulent and they will not remove it from my credit file.I have not applied for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: GA

Complaint narrative:
Someone opened a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under my name. Identity theft. I've disputed several times fraudulent and they will not remove it from my credit file.I have not applied for anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
accordance wit the fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights tO privacy and confidentiality under 15 USC 1681 Account Number XXXX Name XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written _astrucions 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 An other adverse item of information, other than records of convictions of crimes wnich 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. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date Opened XX/XX/2020 Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance {$290.00} Original Amount {$290.00} Original Creditor Past Due XXXX XXXX XXXX XXXX ) {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: SC

Complaint narrative:
accordance wit the fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights tO privacy and confidentiality under 15 USC 1681 Account Number XXXX Name XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written _astrucions 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 An other adverse item of information, other than records of convictions of crimes wnich 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. 
Account Number 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 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:
On XX/XX/22 I spoke with Transunion via phone regarding an inquiry from XXXX XXXX on my credit report that I didn't recognize and don't not have an account with. 
I told them I didn't authorize this creditor to access my report. the Transunion representative told me I needed to file a complaint with the XXXX in order to investigation this inquiry.

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