vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 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:
There is something crazy with my credit! I made a report after I noticed that there is more than 1 account on my credit report that is not mine. I'm not sure if my credit has been hacked and this is some kind of fraud or some insane error. I just need my credit back to normal with only my accounts on it. I have not given permission for anyone to use my credit. I am the only one allowed which is why i am so mad something like this happened to me. Please help me these accounts are not related to any account that I have opened or approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I paid off my loan for my house in XXXX and still have not been able to register the deed because it is held in the name of the XXXX XXXX XXXX XXXX owned by XXXX XXXX XXXX. The loan was a note as contract for deed and the deed was bundled into a trust.The Deed is STILL locked in by XXXX XXXX XXXX XXXX formerly owned by XXXX XXXX XXXX, XXXX. When JP Chase assumed the assets from XXXX XXXX XXXX  in XXXX, they did not register the trust transfer with all the counties that recorded the trust as the deed owners for hundreds of homes, especially mine. While the CFPB did help me get the resultant deed in XXXX, I am unable to register it with the county because they said I do not have providence showing how the deed got transferred from XXXX XXXX XXXX   to JP Chase bank and then ultimately to XXXX XXXX. I need JP Chase to attest that they acquired the trust, XXXX XXXX XXXX XXXX, and that they sold that trust to XXXX XXXX. Without this transaction being properly recorded at the registrars office, I can not register the deed for my home. I presume that since it has been more than 30 years since I bought my home, that nearly all the homes held in this specific trust recorded in many counties across the country, have deeds being held hostage by the now defunct XXXX XXXX XXXX  as trustee owner. Additionally, the Bank never properly recorded the mortgage servicing information with XXXX County as they had agreed to do in XXXX. The last time the CFPB helped me, my request was to find the deed because no one knew who the current trustee of XXXX XXXX XXXX XXXX was BUT NOW I need help getting the JP Chase to properly record the trust transfers. At the very minimum, JP Chase could write a legal document stating when they acquired the XXXX XXXX XXXX XXXX and when they sold it to XXXX XXXX. This is what the XXXX County title examiner said I need to get the deed put into my name finally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Charged off account w XXXX  XXXX was PAID IN FULL back in 2019! 
Why are you still trying to collect on a paid debt??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The past three months I have requested a credit line increase and I have been denied each time due to erroneous information. Capital One uses XXXX to render this decision but the do not have a person that can verify the credit report information in real time. I contacted XXXX and they stated my score is a XXXX as of XX/XX/XXXX, the adverse action I receive from Capital One states it's a XXXX dating on XX/XX/XXXX and XX/XX/XXXX. Again at that time I contacted XXXX and I was at a XXXX and then a XXXX. My current limit is {$500.00} and I make over six figures a year. I got this card in XXXX, the one prior in XXXX and my account has still not been reviewed for a credit line increase. I have made 21 payments combined towards these two accounts on weekly basis and in the full amount in most cases. My car loan was paid in full with no late payments EVER, I also have a Neiman Marcus card that's underwriting with Capital One. My application for the small business card was also denied and it states due to a previous application being submitted on pending but nothing has been sent to me regarding such. Which is why I am requesting my personal credit limits be increased since I am using them for business purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: CA

Complaint narrative:
I have submitted over 3 dispute letters and a previous CFPB complaint regarding fraudulent inquires that are on my credit! I DIDN'T AUTHORIZED ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRES AND VIEW MY CREDIT REPORT. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 161B ( C ) AND A SERIOUS BREACH OF MY PRIVACY RIGHTS. 

PLEASE VALIDATE THIS INFO WITH THESE COMPANIES AND PROVIDE MY WITH COPIES OF ANY DOCUMENTATION ASSOCIATED WITH THESE ACCOUNTS BEARING MY SIGNATURE, AUTHORIZING AN INQUIRY. IN THE ABSENCE OF ANY SUCH DOCUMENTATION BEARING MY SIGNATURE. 


I FORMALLY REQUEST THAT THESE FRAUDULENT INQUIRIES BE IMMEDIATELY DELETED FROM THE CREDIT FILE THAT YOU MAINTAIN UNDER MY SOCIAL SECURITY NUMBER PURSUANT TO SECTION 605B OF 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 explanation
Consumer complaint received 2021-05-27 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: CA

Complaint narrative:
I have submitted over 3 dispute letters and a previous CFPB complaint regarding fraudulent inquires that are on my credit! I DIDN'T AUTHORIZED ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRES AND VIEW MY CREDIT REPORT. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 161B ( C ) AND A SERIOUS BREACH OF MY PRIVACY RIGHTS.

PLEASE VALIDATE THIS INFO WITH THESE COMPANIES AND PROVIDE MY WITH COPIES OF ANY DOCUMENTATION ASSOCIATED WITH THESE ACCOUNTS BEARING MY SIGNATURE, AUTHORIZING AN INQUIRY. IN THE ABSENCE OF ANY SUCH DOCUMENTATION BEARING MY SIGNATURE.

I FORMALLY REQUEST THAT THESE FRAUDULENT INQUIRIES BE IMMEDIATELY DELETED FROM THE CREDIT FILE THAT YOU MAINTAIN UNDER MY SOCIAL SECURITY NUMBER PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
My deposit from Social Security was deposited into my account on the XXXX Wednesday, and my account was overdrawn by XXXX. The bank recovered their fees from the deposit but froze my funds where I could not make any transactions. I was in the process of purchasing food and my transaction was not approved. I called the bank and the bank stated my funds would be available the next day because the transaction had to be posted manually. I stated if that's the case no funds should have been taken out of my deposit as well until the next day. The money was there, my deposit was there and this is the XXXX Wednesday. I should not be penalized to not be able to get access to my money once my money was received by the bank. In my opinion this is a way to discourage me from using this bank for illegal tactics to the customer. This is not the bank funds when the money comes in from a government institution for a customer. This is an abuse of Power by the bank, and illegal and unlawful practices by bank. They also took a portion of my Stimulus money to cover overdraft fees. This bank is Regions Bank. I spoke with four different people and they all spoke the same script. I still was unable to use my money on the day it was suppose to be made available to me.

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 2021-05-27 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: CA

Complaint narrative:
There is one account that is showing up on my credit report that does not belong to me I have tried to dispute this with all three bureaus as well as the furnsihers and they are not helpin me I need this off my credit report asap since it does not belong to me. 


XXXX XXXX XXXX  - Acct # XXXX Amt {$360.00}

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 2021-05-27 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
After viewing my report I found accounts that I have never applied for. A bill with signature do not imply that the debt is legitimate anyone can send a bill and claim ownership. Also you are in a violation of FCRA 681b ( g ) ( 4 ) HIPAA Law. No one is allowed to share my medical information to anybody there is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: CA

Complaint narrative:
There is one account that is showing up on my credit report that does not belong to me I have tried to dispute this with all three bureaus as well as the furnsihers and they are not helpin me I need this off my credit report asap since it does not belong to me. 


XXXX XXXX XXXX - Acct # XXXX Amt {$360.00}

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 2021-05-27 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: CA

Complaint narrative:
There is one account that is showing up on my credit report that does not belong to me I have tried to dispute this with all three bureaus as well as the furnsihers and they are not helpin me I need this off my credit report asap since it does not belong to me. 


XXXX XXXX XXXX  - Acct # XXXX Amt {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I borrowed {$5000.00} from XXXX XXXX XXXX, XXXX XXXX XXXX. This money was borrowed through a " XXXX XXXX XXXX' where I gave the title to my paid-in-full vehicle, a XXXX XXXX XXXX XXXX, to the lender as collateral for the money borrowed. The loan number was XXXX. 

After being 20 days late on my first payment, my vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX. I could not get my belongings out of my car because of a fee charged by the impound lot and an inability to get to a destination that was more than an hour away from my home because I no longer had a vehicle. My vehicle was sold at a private auction that the lender informed me I was not permitted to attend. 

Nearly one year later, a process server left documents with my former employer indicating that XXXX would be taking me to XXXX XXXX XXXX to recover a deficiency balance, claiming that the amount XXXX sold my car for was less than the balance owed. I attended my XXXX XXXX XXXX trial on XX/XX/XXXX. This trial occurred at the XXXX XXXX XXXX California XXXX XXXX of XXXX, at the XXXX XXXX XXXX XXXX XXXX XXXX. The relevant case number is XXXX. The judgment entered on this case by Commissioner XXXX XXXX was that the defendant ( myself ) did not owe the plaintiff any money on the plaintiff 's claim. 

I received a letter dated XX/XX/XXXX, from XXXX, stating that my account had been satisfied, specifically, " the above-referenced loan has been paid in full. '' The Titles Department signed this letter. 

Despite all the evidence to the contrary, XXXX persists in reporting my account as derogatory to the credit reporting bureaus, which has caused me much financial trouble in the form of inflated interest rates, an inability to secure an auto loan from numerous financial institutions. The impact translates into thousands of dollars I have wasted paying increased finance charges because of derogatory reports furnished by XXXX that they refuse to revise, despite evidence to the contrary. 

I have filed disputes with XXXX and Equifax regarding this matter. XXXX  amended but did not correct the entry on my credit report. As of XX/XX/XXXX, Equifax continued to report my account as a " charge-off. '' I tried to file another dispute with XXXX  today. I was informed that XXXX  does not need to review my dispute further because they have already done so. XXXX persists in reporting the status of my account as : " paid in settlement. {$4500.00} written off ''. 

Even if there was legitimacy to the claim of XXXX, {$4500.00} was never written off. I had borrowed {$5000.00} from XXXX. Despite the failure to sell my car in a commercially reasonable manner, my understanding was that the vehicle was sold for more than {$490.00}. 

Please assist me with this situation. It has been plaguing me for far too long, and any help is appreciated. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American Express is continuing to pull my report without my consent. 
I do not do business with American Express. 
I have never inquired about a card or any service from them, so why do they check my personal consumer report once a month without my consent even though Iv'e asked them to stop?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Avant Holding Company, Inc.
State: AR

Complaint narrative:
AVANTCREDIT AND XXXX XXXXMUST SEND LETTER TO XXXX DEMANDING THE REMOVAL OF MY ACCOUNT FROM THEIR DATA BASE AND TO UN SUPRESS CREDIT FILES TODAY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA FED SVG BK- XXXX XXXX  Closed account XX/XX/2020 I did not receive any notices by law for the car by USSAA FED SVG BK XXXX XXXX bank no notice to retain the car. 
My husband and I was going threw a divorce when he took the car change all information and insurance. I was a victim of XXXX XXXX. My husband lost his rank in the XXXX and discharge him on base. I could not find the car or knew where he was or the cars. 

I don't understand why I never received any notices after writing the bank and getting the run around. Every time I call it was another person never no one person. Some one going to call back but never call to resolve none of the issues at hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting a dismissed bankruptcy that I have already sent a FTC report previously and responded with it has been verified, I contacted the bankruptcy court and they stated they dont report to credit bureaus which I attached a letter so I dont know where Experian got this information from. They are in violation of reporting inaccuracies on my consumer report and have caused me damage and personal distress.

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 2021-05-27 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: OH

Complaint narrative:
I have sent several letters to Transunion in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office.

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 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX. 
{$610.00} Balance updated XX/XX/2021 This account does not belong to me

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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
On XX/XX/XXXX I enrolled in Freedom Debt Relief ( FDR ) Program to consolidate 6 credit cards and to lower the original amounts owed. I spoke to a representive XXXX XXXX and he stated I can pay {$160.00} bi-weekly and they will pay all my credit cards over a 2 year period. I was told if I get any letters from any credit card company to foward it to FDR and they will take care of it. I was also told DO NOT pay ANY credit cards or make any settlements. After 2 years with this program I noticed no settlement was made for 1 of my credit cards, which was XXXX XXXX credit card. I owed {$3900.00} when I enrolled. 

XX/XX/XXXX I received a letter from a law firm XXXX, XXXX XXXX XXXX stating my XXXX XXXX credit card was sent to them due to non payments. The letter stated I owed {$4500.00}. due to no payments made on the account and late fees. I called FDR and asked why no settlement was made on this credit card and was told there was not enough funds in my account. I was told to foward the letter to them, which I did. 

XX/XX/XXXX I called FDR to inquire about the XXXX XXXX account and asked why no settlement was made and was told not enough funds in my account. I was told a settlement will be made in XX/XX/XXXX once they pay off 2 other credit cards that had smaller balances. 

XX/XX/XXXX I spoke to FDR and was told that the lawyer representing XXXX called FDR and asked for a 1 time payment of {$3200.00}. When I asked why I wasnt informed, I was told " Do you have {$3200.00} to make that payment ''? I said of course not. I then removed the XXXX XXXX account due to them not making any settlement. 

XX/XX/XXXX I called FDR and terminated my account. 

This outstanding balance is on my credit report and it is damaging my credit. 
I am trying to refiance my truck and I am getting denied because of this account on my credit report. I would like to have FDR held accountable for mishandling this account for 2 years and not informing me aboout the settlement the law firm offered.

Company response to consumer: Closed with explanation