vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Again this will be my 5th time asking for the following items to be removed from my report they were due because of fraud I never had access with these company all other report removed the items so how is it that transunion saying they verify how can that be please remove and block. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiry I never authorized to be pulled. Again a problem. With fraud please removed them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All this will make my 5th time asking for help I also will call in to put a freeze on my file so I would have to call in and have it

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
The information contained in your reporting to the credit reporting agencies are inaccurate and incorrect and has caused major harm to my character, general reputation, personal characteristics, and mode of living. The inaccuracies contained therein are a clear violation of my rights under the Fair Credit Reporting Act and the Privacy Act of 1974, as amended in 5 U.S. Code 552a.

The inaccuracy of account information is a violation of my rights under 15 U.S. Code 1681e.

The reporting of a charge-off is a violation of my rights under 15 U.S. Code 1681c.

Per the IRS publication on income reporting : charge-offs are considered income. Income can not be reported to my credit file. 
The reporting of transaction history is a violation of my rights under 15 U.S. Code 1681a.

As such, I am now invoking my right as a federally protected consumer, to opt out of all authorization of reporting I, the consumer, may have given you whether written, un-written, verbal, and/or non-verbal per 15 U.S. Code 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX there are four credit inquiries that I didnt agree to and there are four in one month. I havent done business with JPMC in four years. I havent applied for a loan with XXXX XXXX XXXX  since XXXX, I have no idea who XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 3 JPMC Auto Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX there are four credit inquiries that I didnt agree to and there are four in one month. I havent done business with XXXX in four years. I havent applied for a loan with TD Auto Finance since XXXX, I have no idea who 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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently pulled my Equifax credit report there is 10 different addresses that I have never lived at. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 






I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Around XXXX a unknown entity gained access to Capital One systems using telephonic means to transfer almost {$2000.00} out of my checking account into an XXXX XXXX Bank Account. I alerted XXXX XXXX to the issue and they took action by shutting that users access. Because this was not done by me, I filed a dispute or fraud claim with Capital One to refund it back to me as I did not authorize this transaction. Capital One twice denied my claim even after I provided evidence including from XXXX XXXX. I have told CO that it is not the amount of money that is missing but the factor that it belonged to me and someone without my authorization took my money. I am asking as a veteran who just got out of the XXXX to please honor my refund request as the information I shared and all the statements I sent to you guys should of proved to you that I in fact did not perform this action. As the sole owner of this account I would know how much was going in and out. I was shocked that this occurred to me and CO did nothing to assist me. As I have stated before, an illegal actor transferred money out of my account into a XXXX XXXX Account that did not belong to me and I reported it promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Federal Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1881 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( A ) ( 2 ) it also states a consumer reporting agency can not furnished an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment under a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Again this will be my 5th time asking for the following items to be removed from my report they were due because of fraud I never had access with these company all other report removed the items so how is it that transunion saying they verify how can that be please remove and block. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiry I never authorized to be pulled. Again a problem. With fraud please removed them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All this will make my 5th time asking for help I also will call in to put a freeze on my file so I would have to call in and have it

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 2024-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: AL

Complaint narrative:
This account was opened on XXXX XXXX XXXX. It has a balance of {$3400.00}. This I have no knowledge of this account, and I have no Idea where it came from. I was never notified of this collection. Whats more, this debt is fraudulent and not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
Sometime in XXXX, loan servicer EdFinancial advertised to me through my online account and via their website the ability to check to see if I was a candidate to change my payment plan to lower payments. 

I completed an online form to check eligibility. I did not know or understand the information provided that I was applying for or consenting to a change in payment terms. I was only checking to see if I was eligible for a lower payment. 

On XX/XX/XXXX I received correspondence from the servicer informing me that I had been enrolled in a new payment plan and that my account was in an administrative forbearance. 

I emailed the servicer through their online portal and explained that I did not want the new payment plan and that the change had been made without my consent. I called their customer service line to discuss the situation and was informed that receiving a response or resolution could take up to a month. Since the increase was less than a dollar, I informed the representative that I would like the account noted that I was dropping my original complaint and would accept the new payment plan. I inquired if I would need to make double payments once out of administrative forbearance and was told no. I was informed that I would not be considered past due and that my payments would not start until XX/XX/XXXX, as per the correspondence received.

On XX/XX/XXXX, I reviewed via the services online portal correspondence dated. XX/XX/XXXX : I am changing my payment plan and payment without any initiation from myself. The new plan had the payments now starting XX/XX/XXXX and increased my payments by {$120.00}. Additionally, a statement was posted detailing an amount owed of XXXX. With XXXX being past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
They have apparently been sending emails to my husband. I went through a bankruptcy back in 2019 and XXXX was apart of it. I have not opened an account nor approved an account with them since.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/XXXX Upon reviewing my credit report. I noticed 2 separate ED Financial Services fraudulently using my name. 


1st balance : {$1700.00} 2nd balance : {$3000.00} Both accounts opened : XX/XX/XXXX When trying to access the account, the user name email is unrecognizable and not mine. 

The fraudulent account email is a XXXXXXXX XXXX  email. 

My Only email is associated with XXXX. 


I have submitted a filed complaint to the Federal student aid.gov website & XXXX credit Bureau Case # XXXX I am currently waiting for inquiry and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Wednesday, XX/XX/XXXX, I received a letter in the mail purporting to be from Capital One. The letter was addressed to my home address with the correct first name but the incorrect last name. The letter said Capital One needed more documentation to complete my credit card application, but I have never applied for a Capital One credit card. 

The letter included a phone number : XXXX. 

It also included a mailing address where I was asked to send my information : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I did not call the number or send anything to the XXXX XXXX listed on the letter. I called Capital One at a customer service number listed on their website : XXXX. The agent confirmed there was no application made using my name or social security number. I also gave her the Application ID number listed in the letter, and she confirmed there was no such application, so the letter I received was fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and have been disputing this account for over 3 years with zero progress to resolution. I have provided many identity theft reports and disputes and they keep reporting this debt as mine. I am filing this complaint as my last attempt to resolve this fraudulent account and after this I will be filing lawsuit.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and have been disputing this account for over 3 years with XXXX progress to resolution. I have provided many identity theft reports and disputes and they keep reporting this debt as mine. I am filing this complaint as my last attempt to resolve this fraudulent account and after this I will be filing lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and have been disputing this account for over 3 years with XXXX progress to resolution. I have provided many identity theft reports and disputes and they keep reporting this debt as mine. I am filing this complaint as my last attempt to resolve this fraudulent account and after this I will be filing lawsuit.

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 2024-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have talked to 7 Venmo agents since 4 weeks ago trying to get my XXXX XXXX XXXX claim back and Venmo is telling me I need to verify my ID and then it errors out. Venmo support directs me turn off my phone, delete the app. All the normal stuff that ends up not working and no one gives an answer. Just the answer of well I upgraded this to software engineer team. 7 support agents told me this and nothing has been done in 4 weeks. Thousands of dollars missing from my hands because of Venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
improper use of my personal information since 2020 also discrimination to my profile that has stop me from participating in credit transactions.

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 2024-02-19 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
improper use of my personal information since 2020 also discrimination to my profile that has stop me from participating in credit transactions.

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 2024-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: KEYCORP
State: CA

Complaint narrative:
Hello i want to document a business practice that i think is extremely unethical. We purchased a home in XX/XX/XXXX with a mortgage from KeyBank that included monthly funds for property taxes. After the first year, KeyBank raised the monthly mortgage price XXXX to accommodate for higher than expected property taxes and specifically both a new monthly amount PLUS a monthly " catch up fee '' for 12 months since they undercharged. The County 's property tax rate did not significantly change and they knew how much the house was being purchased for and what local bonds we would be responsible for paying into because of where we lived ; however, they completely " low balled '' the costs. We would NOT have purchased the house if we knew the mortgage was going to be the current amount in only one year and see no reason why a " prestigious '' bank like KeyBank couldn't estimate this amount much closer than they did given all the information ( ie , County property tax rates and sale price of home ) were known. We think it's completely unreasonable to increase the monthly costs this amount and since this is KeyBanks mistake, we believe they should be responsible for this difference or at least part of it like paying for the " 12 month catch up fee ''. The difference in mortgage costs can be seen between the XX/XX/XXXX and XX/XX/XXXX statements attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received multiple AMEX gift cards from my employer. I have successfully used them until sometime late XXXX - early XXXX. Now I find I can't use these cards anywhere. 

These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my card in cash/check.

Company response to consumer: Closed with monetary relief