vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Credit Bureau Name : TRANSUNION Bureau Address : XXXX XXXX XXXX, XXXX, PA XXXX. 

I Need These list of Incorrect/Misspelled Addresses Removed & Deleted off my Report Because they Are Inaccurate! 

INCORRECT ADDRESSES 1. ) XXXX XXXX XXXX XXXX, NC, XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX Thank you. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
For the past 9 years, my credit profile has been consistently targeted by hackers who have used my personal information to fraudulently obtain car loans, credit cards, and other loans without my consent. Despite reaching out to the companies involved, I have not received any positive results. This constant breach of my personal information has caused significant hardship for me and has negatively impacted my credit score. Therefore, I am requesting that all creditors remove any negative information from my credit report that was the result of these fraudulent activities. I would greatly appreciate your help in resolving this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: Synovus Bank
State: FL

Complaint narrative:
For the past 9 years, my credit profile has been consistently targeted by hackers who have used my personal information to fraudulently obtain car loans, credit cards, and other loans without my consent. Despite reaching out to the companies involved, I have not received any positive results. This constant breach of my personal information has caused significant hardship for me and has negatively impacted my credit score. Therefore, I am requesting that all creditors remove any negative information from my credit report that was the result of these fraudulent activities. I would greatly appreciate your help in resolving this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-05-09 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
This is a violation of 15 U.S. code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a joint family checking account with Chase to take care of my mother 's estate who had just passed. On XX/XX/XXXX, I realized that my chase mobile was locked due to suspicions of fraud. On XX/XX/XXXX, I visited a Chase branch to resolve the matter and was told the issue would be resolved within 24hrs. On XX/XX/XXXX, I visited another Chase branch as the issue was not resolved. I was reassured that it would be before the end of the business day. On XX/XX/XXXX, I realized I was still locked out of both my Chase checking accounts, I called Chase phone banking and spoke to 4 different representatives. As they were not resolving the matter, I decided to visit the branch where I had opened the account. When I got there I was told the matter would be fixed. After 2 hrs since the matter was not fixed, I told them I wanted to close both my accounts with Chase. They refused to grant my request and instead had been arrested for trespassing. I was XXXXXXXX  overnight. I subsequently received an email from Chase telling me that my recent account had a balance of XXXX even though I deposited {$10000.00} at its inception and have never withdrawn money from that account. As of now I can not access my Chase account neither through Chase mobile or in personal as I have a trespassing order against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have a history of always paying on time, and it's causing me a lot of XXXX to see this inaccurate late payment on my account. I have never missed a payment on this account, and I am begging you to remove it from my credit report as soon as possible. It's affecting my ability to sleep properly, and I would greatly appreciate your urgent 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 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have a history of always paying on time, and it's causing me a lot of XXXX to see this inaccurate late payment on my account. I have never missed a payment on this account, and I am begging you to remove it from my credit report as soon as possible. It's affecting my ability to sleep properly, and I would greatly appreciate your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I had a loan through American Finance. They went out of business. I received no information from them in regards to them going out of business or filing bankruptcy. I was contacted by Westlake Portfolio. I requested to have information sent to me in regards to them handling my account. They only sent me a payment portal. I have ask this several times. I have also ask if they were going to hornr the terms ofthe loan in which I purchased the vehicle. They told me no and only wants money. I want to know what are my legal options?

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 2023-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I am a XXXX veteran that was approved for property tax exemption that became due on or after XX/XX/XXXX. I have submitted the required letter to my mortgage company, Freedom Mortgage on multiple occasions. Additionally, I have submitted the tax exempt letter in XX/XX/XXXX to XXXX XXXX XXXX and XXXX XXXX, where I reside in PA. I have requested multiple Escrow account analyses in order for my new, tax exempt payment to be reflected in my mortgage payment. These were requested in XXXX and XXXX. All Escrow Analyses came back with an increased mortgage payment due to my account having an escrow shortage of {$160.00}. This was communicated to me due to an increase in my homeowners insurance, which was increased by {$96.00} effective XX/XX/XXXX. 
I was contacted in XX/XX/XXXX by XXXX XXXX, Tax Officer in XXXX XXXX, PA stating that Freedom Mortgage incorrectly paid my tax bill to the county and township and that I would need to be issued a refund check considering I am exempt. I have since received my refund check from XXXX XXXX. 
To date, my account with Freedom Mortgage is still not reflecting a new lowered payment amount and still does not reflect my property tax exemption. 

I have contacted Freedom Mortgage via phone and their message center and have gotten no resolution.

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 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On Monday XX/XX/2023 received inquiry notice letter in mail, notifying me a credit card application process made on XX/XX/2023 was denied from TD bank. 
I researched out to the number that was provided from TD bank. Spoke with representative who transfers me to the credit department. 
After questioning the inquiry letter and the bank. I reported to the representative I did not apply for no credit card online. 
After giving all my information to verify who I was representative noticed someone fraudulent applied for a credit card in my name. I do not bank and never have banked with TD bank or never have I applied for a credit card with TD bank. TD bank ran my credit report according to the denial letter. 
Of course I would not apply because I am on a ssa fixed income and know my dept ratio is to high to even attempt to apply for any credit during this time frame. 
The online process was made on the date of XX/XX/XXXX according to TD bank representative. 
I know exactly what I did that day for the fact I had went to the XXXX for 6 mth cleaning @ XXXX XXXX And again I know I did not apply knowing my dept/ratio income. 
Please help me to find and understand how this possibly could have happen, with no ID, no telephone call from an online application to prove my identity. 
The fraudulent application had my DOB, SS #, home address. 
I dont know if it was the telephone number or the email that showed differently on their end to assure me it was fraud. 
But according to TD this is now reported as fraudulent, but this will not fix who has my information, or how they obtained it. 
I need to find what source did this and if any other attempts were made, to pursue legal actions. 
Thank you, Signed so frustrated right now! 
Your site is not allowing me to upload any documents of the notification letter that was sent to myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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 AM NEVER LATE ON THIS ACCOUNT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I would like to inform the CFPB that I would like to submit a complaint to Experian credit bureau for failing to validate a debt collection that is on my credit report. The collection is in the amount of {$2900.00}. On XX/XX/XXXX I sent a validation letter to experian to validate a collection that is on my credit report. on XX/XX/XXXXXXXX  I received a email from Experian saying they received a request regarding my credit information that does not appear to have been sent by me. As a precautionary measure, experian did not fulfill my request. I had to call Experian on XX/XX/XXXXXXXX  to clear up the matter and inform them that I sent in the dispute letter and for them to please look into the matter. I was then transferred to several reps only to be informed that my dispute has been validated. However, Experian did not send me any of the pieces of information I requested in my validation letter. I will submit the validation letter I sent to experian.

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 2023-05-09 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: AR

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. 
XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, US DEPT OF EDXXXX Account number XXXX, XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXXT Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX, XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-09 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: AR

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. 
XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX, US DEPT OF EDXXXX Account number XXXX, XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX, XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was never late on these accounts. Please remove the late payment remarks.

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 2023-05-09 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: MA

Complaint narrative:
I was offered a credit card through XXXX XXXX. The card was from XXXX XXXX. Located at XXXX XXXX XXXX XXXXXXXX Utah. XXXX XXXX. I never heard Back From Them So I decided to call XXXX XXXX  at XXXX. 
The Inquiry was mede by them in my credit report. When I spoke to them they stated they had no information on me and I explained I did a full application. The customer service replied you will have to go ahead and take care of this yourself then hung up on 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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was charged excessive over draft fees

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 2023-05-09 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: MD

Complaint narrative:
This company is refusing to tell the truth. I started a complaint in year XXXX and XXXX XXXX did not change any wrong accuracies and did not comply with all documentation asked for. They continue to send limited information. They then decided with my second complaint made in year XXXX to then change all inaccurate information. This company has violated my rights between XXXX until XXXX. How did they not violate my rights when I had to make another complaint in year XXXX for yet again wrongful accuracies. If you corrected my account this year XXXX that means that you never completed a full investigation in XXXX and all the inaccurate information remained the same up until XXXX. That is a violation. I will have to hire a lawyer to resolve this matter for which my initial dispute in year XXXX was not resolved causing me to have to file another dispute in XXXX. This was a damage to my credit profile and was not handled until this year XXXX which was in clear violation of all laws. I had to suffer for this mishandled situation. I am seeking that this account be removed for which XXXX was inaccurately reporting to my credit from all previous years before XXXX and from XXXX until XXXX. 

XXXX XXXX has also taken over 90 days to complete my 1st investigation along with my second attempt XXXX. They have still not sent all information that has been requested. 

I will hire a lawyer for which I do have credit reports that clearly shows that XXXX XXXX did not change any inaccuracies from my 1st dispute in XXXX and then decided to change things in year XXXX after a second attempt to fix my credit.

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 2023-05-09 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: MD

Complaint narrative:
This company is refusing to tell the truth. I started a complaint in year XXXX and XXXX XXXX did not change any wrong accuracies and did not comply with all documentation asked for. They continue to send limited information. They then decided with my second complaint made in year XXXX to then change all inaccurate information. This company has violated my rights between XXXX until XXXX. How did they not violate my rights when I had to make another complaint in year XXXX for yet again wrongful accuracies. If you corrected my account this year XXXX that means that you never completed a full investigation in XXXX and all the inaccurate information remained the same up until XXXX. That is a violation. I will have to hire a lawyer to resolve this matter for which my initial dispute in year XXXX was not resolved causing me to have to file another dispute in XXXX. This was a damage to my credit profile and was not handled until this year XXXX which was in clear violation of all laws. I had to suffer for this mishandled situation. I am seeking that this account be removed for which XXXX was inaccurately reporting to my credit from all previous years before XXXX and from XXXX until XXXX. 

XXXX XXXX has also taken over 90 days to complete my 1st investigation along with my second attempt XXXX. They have still not sent all information that has been requested. 

I will hire a lawyer for which I do have credit reports that clearly shows that XXXX XXXX did not change any inaccuracies from my 1st dispute in XXXX and then decided to change things in year XXXX after a second attempt to fix my credit.

Company response to consumer: Closed with explanation