vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security National Financial Corp
State: TX

Complaint narrative:
We closed on a home on XXXX XXXX the original loan went to SECURITY NATIONAL MORTGAge which had the first payment due XXXX XXXX XXXX. The loan was sold to XXXX before XXXX XXXX. I called Security National 2x to ask about payment due on XXXX. I never received a payment coupon and I was told by customer service if it was sold before the due date no payment would be due. The loan was sold to XXXX late XXXX. Then I got a letter in XXXX that payment was due from the security national mortgage. I did not see the letter until early XXXX since I was in another state for the entire month of XXXX. I immediately called and they said I owed them the first payment due XXXX XXXX. I explained several times 2 people with their company told me no payment was due and I would need to do my research with XXXX  as they showed they had the full amt of the original loan. I asked the rep at security national mortgage to be sure to note my account and not report anything as this was not my error and I am doing my due diligence to be sure I am paying the correct company. I had trouble with getting someone from XXXX  explain and show me the loan amt they paid for my loan. After I filed a compliant someone contacted me to explain. They confirmed they purchased the loan minus the first payment of XXXX XXXX. As soon as I confirmed I called national security to make payment. I asked that late fees be reversed and nothing show. as pass due as it was not my fault and never recieved any calls from anyone. They have reported a late payment to credit agency. I would like to have this removed immeditally. I have worked really hard to keep my credit in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: TN

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 inructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I was debited through my bank account {$150.00} and {$150.00} on XX/XX/XXXX through cash app on an account that is not my own to a XXXX XXXX. I've contacted them multiple times and ask them to look into both the user with this name that they claim to not be able to find yet I am able to, and also to look into any transactions using my debit card number and they simply will not acknowledge or deny that they found anything nor will claim any responsibility or issue a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX 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 2023-12-14 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: LEXISNEXIS
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 inructions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: FL

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: AR

Complaint narrative:
I first asked that incorrect addresses and names be removed. They did remove those and then I asked on 3 occasions 3 different letters were sent to verify accounts on my report. All I received from them was letter saying they are all proved to be accurate but no other info was sent. My info was sold and bought illegally my info was in the Equifax security breach. I have spent lot of time throughout XXXX and XXXX trying to get this fixed but yet nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was reviewing my credit report and came across an unfamiliar account XXXX XXXX XXXX XXXX  This is not my account, this is a fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023, I received information that XXXX XXXX, a Director at Bank of America located XXXX XXXX XXXX XXXX, XXXX, NC XXXX had accepted monies in exchange for debiting the exact amount of my payroll check from my account using my debit card number. The person ( s ) she colluded with had also sent her copies of my debit card and driver 's license. To avoid this illegal debit, I contacted Bank of America customer service the same day and froze my account number XXXX to avoid any debits and informed them that I would go to the branch to open a new account. 

On XX/XX/2023 I opened a new account but was not able to transfer the funds to the new account until XX/XX/2023. As a result, my mortgage was paid late. Because XXXX is a Director with Bank of America, she has access to all of my banking information. Therefore, my efforts to protect my account are futile at best. 

On XX/XX/2023, a complaint regarding this matter was submitted to the Federal Trade Commission, report number XXXX. 

I've recently received communication that she has made a duplicate copy of a pay stub and as to what the plans are for it, I am unsure. 

As a consumer, I should be able to trust the personnel working at the bank. Please open an investigation into XXXX XXXX and her handling of funds especially in regard to my account. Thank you.

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 2023-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX Re : Identity Theft and Unresolved Collection Account with XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding my identity and credit profile. In XX/XX/2020, I fell victim to identity theft, and as a consequence, my personal information was compromised. Since then, I have been diligently working to rectify the aftermath of this incident. 

Among the various challenges I am facing, one specific issue pertains to an unresolved collection account with XXXX. Despite my efforts to dispute the validity of this account, the company has refused to delete it from my credit report. I have attached relevant documentation, including a copy of the police report filed in connection with the identity theft, to support my case. 

The incident of identity theft has had severe implications on my financial standing, and the inclusion of an unjustified collection account on my credit report only exacerbates the situation. I believe that the persistence of this entry is unwarranted, considering the circumstances surrounding the theft and the steps I have taken to rectify the matter. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and facilitating the removal of the XXXX collection account from my credit report. I have made multiple attempts to resolve this issue directly with XXXX through the dispute process, but my efforts have been unsuccessful. 

I trust that your agency, with its commitment to consumer protection, can help bring resolution to this matter. I appreciate your prompt attention to this issue and look forward to a swift and favorable resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute and request the removal of certain late payments that are currently being reported on my credit file. After reviewing my credit report, I have identified inaccuracies related to late payments, and I am confident that these entries are incorrect. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there XXXX be an error in the reporting of the late payments on my account. I have thoroughly reviewed my financial records, and I have not identified any instances of late payments on the specified dates. 

XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service XXXX XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX XXXX customer service I kindly request a thorough investigation into this matter, and I ask that you remove the inaccurate late payment entries from my credit report. Having an accurate representation of my credit history is crucial for my financial well-being, and I believe the removal of these entries is warranted based on the supporting documentation provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened account with US bank using a promotion code of XX/XX/2023. I was told once my account had {$5000.00} in deposits I would receive {$300.00}. They have lied repeatedly saying they would research the account but dont have any intention of fulfilling the incentive.

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 2023-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
Even if it's to talk to someone in Chime Headquarters. I request my account be opened immediately. I hope for an apology. I am desperate to get help. It has been very stressful, time consuming to being swallowrd in a matrix of red tape and run in circles going nowhere. I attached screenshots of email logs to emphasize the time and effort. This does not include online chats and telephone call.Would you kindly help me? I believe Chime still has to review money stolen from unauthorized purchases. I have submitted my state id ( expired and to be msiled to me ) along with a document from the state to accept my ID until my new card is maled, my social security card, and my US Veteran card.I have a social security deposit coming up in two day and bill to pay. 

Thank you very much for your help. 
Thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Breach of Trust. Trustees of the listed companies and the credit reporting agencies have a duty and oath and obligation to administer the Trust in the best interest of the Beneficiary. Eye am the Beneficial Owner to XXXX XXXX XXXX XXXX XXXX. 

The listed transactions are XXXX XXXX cause an error was made as the SOCIAL SECURITY number has been shared with these companies without legal consent and authorization from the Social Security Administration. The Beneficiary for the XXXX XXXX did not autograph nor sign form XXXX. These accounts are unauthorized : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-14 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: PA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 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 2023-12-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


15 U.S.C 1681 section 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 inructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: FL

Complaint narrative:
I recently obtained my credit report on XX/XX/2023, and discovered unauthorized inquiries from the following entities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not initiate these inquiries and have no association with the mentioned banks. I promptly disputed these unauthorized inquiries with the credit reporting agencies and am in the process of placing a fraud alert on my credit reports. Your assistance in investigating this matter is crucial to address any potential identity theft or fraudulent activities.

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 2023-12-14 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: FL

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the conduct of XXXX XXXX, a financial services company. It has come to my attention that XXXX XXXX has violated my rights under the Privacy Act of 1974, specifically in contravention of 5 USC 552a and 5 USC 552b, as well as related Code of Federal Regulations ( CFR ) sections.

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe XXXX XXXX has violated, in conjunction with related CFR sections, are as follows : 5 USC 552a- The Privacy Act of 1974 : XXXX XXXX, in its handling of my personal information, has failed to adhere to the provisions outlined in 5 USC 552a, which outlines the conditions under which personal information may be disclosed and the rights of individuals to access and amend their records. 

5 USC 552b- The Government in the Sunshine Act : XXXX XXXX 's actions appear to contravene the provisions of 5 USC 552b, which governs the openness of agency meetings and the disclosure of information. I assert that XXXX XXXX 's lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

CFR 313.7 - XXXX Customer Information : XXXX XXXX may also be in violation of CFR 313.7, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding XXXX XXXX 's data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by XXXX XXXX and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.

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