vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 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: OH

Complaint narrative:
I have tried several times with all the credit reporting agencies and with this company to get my credit report 100 % accurate! This is extremely frustrating and not fair that neither of these companies are helping me in any way!!! This is the United States LAW to have my credit file 100 % accurate! You are also failing me by NOT HELPING ME get this 100 % accurate! I have even sent you ALL THE LETTERS of me trying to communicate with this company and each of the credit reporting agencies. I will ask you one last time to help me get my report 100 % accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!

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 2023-01-02 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: OH

Complaint narrative:
I have tried several times with all the credit reporting agencies and with this company to get my credit report 100 % accurate! This is extremely frustrating and not fair that neither of these companies are helping me in any way!!! This is the United States LAW to have my credit file 100 % accurate! You are also failing me by NOT HELPING ME get this 100 % accurate! I have even sent you ALL THE LETTERS of me trying to communicate with this company and each of the credit reporting agencies. I will ask you one last time to help me get my report 100 % accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: DC

Complaint narrative:
The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX - XX/XX/XXXX. I demand the deletion of these inquiries from my TransUnion report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter

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 2023-01-02 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 attached an FTC report with inquiries I did not authorized, delete

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 2023-01-02 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: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. They are robbing, badgering my credit with no explanation on an erroneous, alleged collections.

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 2023-01-02 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: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. They are robbing, badgering my credit with no explanation on an erroneous, alleged collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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 attached an FTC report with an account and inquires I did not authorize, please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contacted Chase Bank when I noticed unauthorized charges to my debit card from XXXX. Chase said that they would do an investigation and in the meantime would credit my account. They also said that they could not credit my account for anything beyond 60 days, so it would only be the time period from XXXX to XXXX. Chase Bank only credited my account {$130.00} which was not the amount that I called about in XXXX. The amount that I called about in XXXX totaled {$610.00}. I called back again on XX/XX/XXXX and Chase Bank said that they were still doing an investigation and that I should see my money return to account on XX/XX/XXXX. No money was returned on XX/XX/XXXX so I called Chase Bank back on XX/XX/XXXX. Chase Bank then stated that they were not going to refund any money because they refunded money from XXXX. I kept telling them that I had unauthorized charges in XXXX and reported this information to them right away. Chase Bank also emailed me letters saying that I agreed with their actions, which is false. Chase kept arguing and deflecting and then started repeatedly telling me to call the merchant, even though I had purchased nothing from XXXX. I finally gave up and called XXXX and was on the phone with them for about 3 hours. XXXX said that it appeared that someone used my XXXX ID to make purchases. I have not purchased any XXXX products in about 3 years, which XXXX did confirm. XXXX kept repeatedly asking me to provide the full debit card from number from Chase Bank, which I no longer had. I told them that I had a new card from Chase and that I no longer had the old card. XXXX continued to keep asking me for the old card number even though I kept telling them over and over again. Then XXXX said that they could not refund any money unless I gave them my expired full debit card number. Then XXXX kept telling me to contact my financial institution over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

16 USC sub-section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-01-02 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a victim of fraud. On XX/XX/2022 {$79000.00} was wired out of my Citibank Checking account. It was XXXX transactions Citibank will not give me my money back because they say I did not protect my account. The criminal called and said they were a CitiBank employee and someone was using my credit card. I asked them how do I know you are from CitiBank. She said in a few minutes I will send you a Citibank alert. I got it and it was a real Alert. That is why I believed it was true. She told me to push yes that I got the alert and I am aware that this is happening. Because I pushed yes that is obviously how they got my money. But how did they get my credit card information. I didnt give it to them.

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 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Grow Credit Inc
State: AZ

Complaint narrative:
Grow Credit has not complied with helping me with my account. This service is a straight scam. Ive contacted support but no one has helped me. I need the missed payment off my credit report because there was no wrong payment. My payments are still missed to this day and I dont know why. They will not help me with removing the missed payment which is diminishing my credit when they are supposed to be a credit building company. They stated they couldn't remove the payment but I know this is false. They just don't want to help people, they want to take your money and ruin peoples credit. I need the missed payments removed ASAP and this account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with the debt furnisher, XXXX XXXX, and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act or UC-C . They are robbing, badgering my credit with no explanation on an erroneous, alleged collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-01-02 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: DataMax Corporation
State: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT & FRIVOLOUS. I have been in contact with the debt furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. XXXX is robbing, badgering my credit with no explanation on an erroneous, alleged collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: NJ

Complaint narrative:
The credit reporting agencies are reporting inaccuracies and have not responded to my letters in which they are required to in 30 days by FCRA laws.

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 2023-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
In 2019, I refinanced to reduce my interest rate. I was matched with UWM ( United Wholesale Mortgage ). Within the first 2 months, i tried to setup by monthly payments to try to pay off the mortgage quicker. I was told that i need to make 2 months payments in order to begin the by monthly payments. After i made 2 months payments, i was told the money was applied towards the principle. I was told to make another 2 months of payments. After 2 weeks i called and was told the exact same thing. Within 2 months, i made 6 months worth of payments. Then COVID hit. I lost my Dad and then i lost my job. Because i had made 6 months worth of mortgage payments ( over {$25000.00} ) within 2 months, i had depleted my savings and was not able to make my mortgage payments. i applied for forbearance and was given. I am currently applying for the XXXX XXXXXXXX. The state is requesting information from the mortgage company and they are refusing to send the information. This has delayed my application for over 3 months and will cause me to lose my home to foreclosure. I also found out that the mortgage company that i thought owned my loan UWM is not the owner of my mortgage. The mortgage is owned by XXXX which owns UWM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Paypal is not allowing me to transfer money from my own bank account to my paypal account. I had issues with them and XXXX  about it and now they refuse to allow me to transfer money into my account. I've had both my paypal and bank account for around a XXXX, but all of a sudden paypal says they are unable to verify my identity and force me to call them every time I want to transfer funds. The verification questions they ask are also screwed up because they ask what XXXX a specific vehicle I owned was. The problem is, I've owned XXXX vehicles of the same model & year, but different colors. They refuse to accept that, and say that I answer incorrectly and therefore refuse my transfer. They also told me that my transfers may take upto XXXX XXXX XXXX, which is outside of their policy of XXXX XXXX XXXX. This is pure retaliation. They also insist on grilling me about what I am going to spend my money on, which seems like a violation of my personal financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT & FRIVOLOUS. I have been in contact with the debt furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. XXXX is robbing, badgering my credit with no explanation on an erroneous, alleged collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT & FRIVOLOUS. I have been in contact with the debt furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. XXXX is robbing, badgering my credit with no explanation on an erroneous, alleged collections.

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 2023-01-02 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

16 USC sub-section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit reporting agencies are reporting inaccuracies and have not responded to my letters in which they are required to in 30 days by FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: Possible Financial Inc
State: FL

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.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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.

Section 609 of the FCRA and requests that the credit bureau verify an item in your credit report. In this letter, you ask a credit bureau to verify information, and if that information can not be verified, it must be removed. 

THE FOLLOWING ACCOUNTS NEED TK BE REMOVED ALSO XXXX HAS NOT UPDATED MY CREDIT SCORE AND REPORT NOR COLLECTIONS XXXX AND XXXX HAS UPDATED MY CREDIT SUCCESSFULLY BUT NOT XXXX. 


XXXX XXXX XXXX XXXXXXXX XXXX : XXXX CONTACT INFO : XXXX ACCOUNT STATUS : CLOSED POSSIBLE FINANCIAL INC XXXX XXXX : XXXX Contact info : XXXX Account status : CLOSED XXXX XXXXXXXX BALENCE : XXXX Contact info : XXXX Account status : CLOSED XXXX HAS ALL OF THESE ACCOUNTS INCORRECTLY LISTED ON MY REPORT AND ALSO HASNT UPDATED MY XXXX AND XXXX SCORES ALSO XXXX IS OUTDATED AND DOSENT HAVE THE PROPER INFORMATION

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: Self Financial Inc.
State: FL

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.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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.

Section 609 of the FCRA and requests that the credit bureau verify an item in your credit report. In this letter, you ask a credit bureau to verify information, and if that information can not be verified, it must be removed. 

THE FOLLOWING ACCOUNTS NEED TK BE REMOVED ALSO XXXX HAS NOT UPDATED MY CREDIT SCORE AND REPORT NOR COLLECTIONS XXXX AND XXXX HAS UPDATED MY CREDIT SUCCESSFULLY BUT NOT XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS ALL OF THESE ACCOUNTS INCORRECTLY LISTED ON MY REPORT AND ALSO HASNT UPDATED MY XXXX AND XXXX SCORES ALSO XXXX IS OUTDATED AND DOSENT HAVE THE PROPER INFORMATION

Company response to consumer: Closed with explanation