vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX I received an email from chase at my personal email address that Chase Mortgage was about to withdraw a mortgage payment from my checking account. 
I do not have a mortgage with Chase Mortgage and have never had a mortgage with Chase Mortgage. 
First, I called to verify that the email was from Chase and not Spam or Phishing. It was confirmed that the email address was from Chase.

I asked if the mortgage information can be looked up by the email address and reviewed by Chase customer service - without giving me any information about the loan to confirm that my personal email is associated with an account that does not belong to me.

I was told because I personally can not confirm the loan information- they are unable to confirm any information. So, I explained based on Chases way of protecting a persons information, if the loan has been with Chase and it would be reasonable to believe - the person with a home loan with Chase would not add another random persons email to their personal loan to receive notifications - then the only way a random email address could have been added is an internal error on the part of Chase. So, Im my case- I called Chase customer service and asked - how can I eliminate my email address from Chases notification system- so that I am not receiving any notifications from someone else personal loan.

Again, I was told my personal email address could not be removed because I can not personally provide the security information on the loan that has my personal email address.

So we ended our conversation with the customer service agent only apologizing nothing can be done. So this seem unfair to both the party that has a loan with Chase and me because Chase made an error.

For your information, the email address Chase is emailing to in error is unique only to me - because its my name. 

This is the from email address information : Chase XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: MI

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX Bank called me stating that they wanted to talk to me about a charge card that I had opened. I told them that I did not apply for a charge card. We determined that there was fraudulent activity, and someone tried opening a card in my name. The gentleman told me that he would deny the account and it report it fraudulent and put a freeze on it through XXXX. He also recommended that I notify the other credit bureau 's which I did. While looking at my credit report for all XXXX credit bureau 's, I noticed that on my XXXX report, there are XXXX hard inquiries, XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX that I did not apply for -- all of these are on XX/XX/22. I would like these all removed. I have put a freeze on my credit report to prevent further activity from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
XX/XX/2022 : Called EdFinancial to reimburse the payments I made during the freeze period and reinstate my loans. Was told that the process is initiated. No time frame for the completion is given. 

XX/XX/2022 : Called EdFinancial again to make sure that the process went through. Because the balance of the loans has not been updated. The company gives NO ways to check or confirm the processing of the request. There is no transparency about the process and the only way to find out is to call and potentially wait through a long waitlist. 

XX/XX/2022 : Almost two weeks later there is no changes in my balance. After personal research I found out that many others have a similar issue to mine and some people wait very long for the loans to be reinstated. Other companies fulfill this type of request within a week. Submitting a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have a checking account at Bank Of America. I made 3 transfers of my savings from XXXX to the USA, from this date the account was blocked. I have called the customer service, claims and fraud phone number monthly, and on no occasion was it possible to unblock the account. On all occasions I am told that they can not access the account, to call 72 hours later. Today, after speaking for 3 hours with the Department, the Fraud Department told me that it can not unlock the account and they recommended that I close it. They themselves passed me to customer service, who told me that they can't close the account because they don't have access to it. Therefore I have no solution and they have my money withheld. I have authenticated myself with passport number, telephone, email and address every time. I need a solution to my case. I can not attend the offices in the USA since I am XXXX, I need a XXXX, my current XXXX has expired, and my new XXXX  appointment is here in XXXX for 2024.

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 2022-09-26 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: NY

Complaint narrative:
XXXX had a breach in there system exposing over 147 Million consumer 's personal information. My information was also taken and i have had multiple fraudulent inquiries. I have wrote multiple letters and made multiple calls asking them to remove all inquiries that are not attached to an open and active account. Also per 15 USC 1681, credit transactions, arising from credit cards should not be included on a credit report. I did not give any party written consent to report any information. My credit is in the 300s they are defaming my character with these inaccuracies on my consumer report which is making it almost impossible for me to be able to feed and provide for my family.

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 2022-09-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-26 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: PA

Complaint narrative:
The account is closed and XXXX XXXX and XXXX has already collected their money from me. This account is CLOSED and PAID. 

PLEASE DELETED AND REMOVE FROM 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 2022-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The account is closed and XXXX XXXX and XXXX has already collected their money from me. This account is CLOSED and PAID. 

PLEASE DELETED AND REMOVE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: CITIBANK, N.A.
State: PA

Complaint narrative:
The account is closed and XXXX XXXX and XXXX has already collected their money from me. This account is CLOSED and PAID. 

PLEASE DELETED AND REMOVE FROM 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 2022-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX, I'm submitting this complaint, and all future correspondences will be by me and from me. 
On XX/XX/XXXX, I went to XXXX XXXX of XXXX to get a new car via credit through Capital One Auto Finance. Although I had already obtained a pre-approval, I was told by the sales agent that I would still need to pay a cash down payment and have a co-signer. Because I needed a car, my mother XXXX XXXX XXXX ) agreed to be my co-signer and I also gave a {$7500.00} cash down payment. I am now a more informed consumer and have come to realize that fraudulent, misleading, unfair and abusive acts have been committed against me, and it also appears that, that was the intent from the onset of the consumer credit transaction. I was charged a cash down payment in connection with a finance charge, my insurance was not included in the finance charge, I was not given required disclosures under the Truth In Lending Act, and the method used to determine the finance charge was not included. Attached to this complaint will be the contract which evidences my claims of violations, my affidavit of truth, and notice of rescission that was mailed to Capital One Auto Finance. The property involved in the consumer credit transaction can be identified by the following ; XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-26 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
PLEASE REMOVE THE LATE PAYMENTS OFF THIS ACCOUNT. MY PAYMENTS WERE NOT LATE AND ACCOUNT IS PAID OFF IN FULL.

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 2022-09-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dear Sir or Madame : I am writing this complaint today regarding a failure to investigate and respond to my dispute. I have written three letters, two of which have been received by Experian, and have not received a response. I have included return signature mail receipts showing they were received. The first dispute and request for investigation into the accuracy of their records was received XX/XX/2022, and did not receive a response. I followed up with another letter dated XX/XX/2022 that contained a copy of the original dispute letter that did not receive a response from XX/XX/2022, as well as notice that they had not responded, and another dispute and request for investigation. The post office was unable to locate this certified letter, as one of the mail reciepts attached shows. Upon notification of this error by the post office I wrote another letter dated XX/XX/2022 notifying them that they had failed to respond to my dispute and request for investiation into the accuracy of their information. I enclosed a copy of both previous letters and mail receipts, and sent this letter certified return receipt electronic signature as well. The documents attached show the dispute was received XX/XX/2022, and have not recieved a response that was due by XX/XX/2022. This may be considered willful non-compliance under the requirements pursant to the Fair Credit Reporting Act. One negative entry in particular regarding XXXX XXXX, XXXX is a problem due to the fact that it is inaccurate and they have failed to investigate or validate the information reported, and Experian has been complicit by having failed to investigate or verify the information, as they have not responded. I have written a seperate, but related, complaint regarding this collection company as well. The reference number for that complaint is Complaint Number XXXX. I have attached all documents to support this complaint. My suggested solution would be that Experian respond to my dispute and properly investigate the information contained in the original requests, or remove the unverified inaccurate information, as required by 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 2022-09-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I went to purchase a car from the dealership and I discover that there were hard inquiries on my credit report. These are the inquiries that are errors in my report : US SM BUS ADMIN ODA INQUIRY DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 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: AL

Complaint narrative:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations, and other documentation used with my previous disputes XXXX removed the bankruptcy it still appears on Equifax, XXXX the court sent me a letter stating they do not report information to anyone so how are they verifying the information mailed letter to XXXX no respond. They are clearly in NONCOMPLIANCE with METRO2 reporting requisites per CRGG as well as the FCRA, and thus damaging my credit. I have been deputing this since XXXX with evidence keeps coming back verified but they won't send me proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: AL

Complaint narrative:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations, and other documentation used with my previous disputes XXXX removed the bankruptcy it still appears on XXXX, Experian the court sent me a letter stating they do not report information to anyone so how are they verifying the information mailed letter to XXXX no respond. They are clearly in NONCOMPLIANCE with METRO2 reporting requisites per CRGG as well as the FCRA, and thus damaging my credit. I have been deputing this since XXXX with evidence keeps coming back verified but they won't send me proof of verification.

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