vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2021, I filed complaints against both Capital One Banking ( Complaint # XXXX ) and XXXX XXXX XXXX Bank XXXX XXXX # XXXX ) regarding a clearly altered check that was initially accepted by Capital One Bank which XXXX XXXX XXXX by XXXX Bank. I have attached a copy of the full complaint form for Capital One ; the same complaint message was filed for XXXX Bank. On XX/XX/2021, I received a phone call from XXXX Banks Executive Offices wherein the complaint was reviewed with the representative essentially agreeing that this is a matter between XXXX and Capital One Bank. It is a problem within the banking system and not with anything I had done. The representative advised me that she would have to discuss further with XXXX Banks Fraud Operations with its Customer Complaints and that I would receive a response within 3 days. No such response was received and a follow-up call by me went ignored. XXXX XXXX Bank responded via letter on XX/XX/XXXX, a full two weeks after the complaint was filed, that they need an affidavit form from XXXX, one which I had provided on two previous occasions. There has been no contact by either XXXX or Capital One in the past three months. As a brief summary, this involved a {$2500.00} check I had made payable to XXXX, a well-known and well-supported XXXX based organization that provides extensive assistance to XXXX and XXXX XXXX children and adults. The payee was clearly altered to XXXX XXXX. Despite an arrest of an individual having been made for stealing mail from the local post office and altering numerous checks, there has been no follow-up on the part of either bank. As a result of both banks choosing to ignore me, a forty-year customer of XXXX with significant holdings, I have decided to pursue two paths. I will begin transfer of my funds from XXXX to XXXX XXXX XXXX. I will also contact the local affiliate of one of the national news networks that runs features on resolving citizen problems. Given the high visibility of XXXX in the XXXX area, there is a reasonable likelihood that the network will pick up on this instance of two major financial institutions effectively punishing a most worthwhile organization. Since neither XXXX nor Capital One appears concerned about resolving the problem with me, perhaps being confronted by reporters for a major news station will elevate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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:
I pulled update of my credit report and still I see these negative account. I already sent few complaints to you guys. Why you still posting this information. I have no idea where you get them but I never apply for it. Someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
Chase Auto appears that they process principle payments beyond the payment due, but the system won't allow for it. I have made multiple attempts to make more than the minimum payment and the system won't allow it. I have submitted a principle payment over the phone and they rescinded it 10 days later. 

Chase Auto is fraudulently collecting interest from it's customers by " allowing '' principle payments but administering a system that defacto does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
On XX/XX/21 this letter found me from receivable performance management stating I owe them money yet we have no contract together and I never gave them permission title 15 to contact 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 2021-12-06 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: First Technology Federal Credit Union
State: TX

Complaint narrative:
First Tech Credit Union was paid off on last month and account was closed but they are reporting an open account with a {$5000.00} balance.

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 2021-12-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have recently closed on a mortgage and received a copy of my credit report. There is an unauthorized inquiry listed on XX/XX/2021 from XXXX that I did not pursue. Please remove inquiry.

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 2021-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : 1. ) Identity Theft I C SYSTEM ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account Number : XXXX This is not mine. 

XXXX. ) XXXX XXXX  XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX This is not mine. 

XXXX. ) Identity Theft I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX This is not mine. 

XXXX. ) Identity Theft ( XXXX XXXX : ) Account : XXXX This is not mine.

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 2021-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
On XXXX XX/XX/2021 I contacted Freedom Mortgage to inform them I had received correspondence from my insurance provider ( XXXX XXXX ). Freedom Mortgage had not been listed as a new mortgage holder and steps were taken on my end to update XXXX while Freedom Mortgage sent the annual insurance premium via mail, due date of XXXX XX/XX/2021. On XXXX XXXX I contacted Freedom Mortgage again to determine the status of the insurance payment and was told that it had been sent via standard mail with an anticipated delivery date of 7-10 days from its mail date, XXXX XXXX. I was assured by members of Freedom Mortgage that the payment would arrive with a postmark that would be acceptable to XXXX. 

As of XXXX XX/XX/2021, the payment was never received by XXXX. The tracking number that was reportedly on the payment was not available to the representatives that I spoke with on XXXX XXXX. I've now lost my homeowner 's insurance policy due to the lapse despite multiple assurances from Freedom Mortgage, despite all assurances that everything would be taken care of. This is happening after Freedom assumed the loan from a prior mortgage serving company and we have only just made our second payment. To say that I am frustrated and disappointed is a complete understatement. A friend had similar issues with this company and warned us. I don't know what can be done at this point ; but I felt the need to report this as others like myself could find they are without homeowner 's insurance - not even knowing until it is too late.

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 2021-12-06 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: CA

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-12-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. It is a XXXX XXXX account through Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
I made an initial mistake and the next day tried to rectify it. The collection agency for RP Funding doesn't accept electronic payment and the check had not been received 12 days later. After several phone calls, I agreed to go to their website and pay ELECTRONICALLY. This was not accepted because " they were unable to locate my loan. '' I have since paid all bills electronically including XXXX. Letters have been sent to RP Funding ( certified, return receipt ), XXXX, XXXX and XXXX disputing this. I want my excellent rating returned. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: CA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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:
I pulled update of my credit report and still I see these negative  account. I already sent XXXX  complaints to you guys. Why you still posting this information. I have no idea where you get them but I never apply for it. Someone used my personal information

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 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX XXXX RE : # XXXX On XX/XX/2021 my husband XXXX XXXX asked me if I was moving funds between accounts, I then logged on to USAA to find that someone was depositing unexpected checks into the checking account and then transferring our real funds out of our account. To date both checks that were deposited have been reversed. Both of the checks were sent from the payor : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX, WA. XXXX Upon reviewing the savings account, also with USAA we noticed there were transfers into the account and then fund transferred out in greater amounts. 

We have contacted USAA to report the fraud, they stated that my XXXX online password and email were changed and the transactions happened on the mobile application. They have not been forthcoming with any information such as what state this is occurring from, the account numbers that the money has been transferred to so I am unaware of who is doing this. Clearly they are doing it to expropriate funds. 

Will include bank statements as accounts are on hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
XXXX and Transunion are in violation the FCRA Laws. I XXXX XXXX a natural consumer never gave any written consent to report these fraudulent accounts on my credit profile. I sent them XXXX letters XXXX on XX/XX/21 XX/XX/21 and on XX/XX/21 XX/XX/21 about them violating me and my rights as a natural consumer UNDER 15 USC 1681B 15 USC 1681N. They still haven't corrected my credit report to reflect accurate information.

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 2021-12-06 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 the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. The account is a XXXX account through XXXX Bank XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. The account is a XXXX account through TD Bank XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my XXXX complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts 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 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NC

Complaint narrative:
I ran my credit report and was infomred and read that Discover CC which the account is clossd is runnin gmy credit without my permission. the account is closed. Discover did this on XXXX, so I was informed to consider this as fraud and to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report has derogatory trade lines that are over XXXX XXXX XXXX not in compliance with the FDCPA & TDCA. Please make an inquiry as have my credit report corrected and updated with all credit bureaus. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, TX XXXX TX Drivers License # XXXX SSN : XXXX U.S.Passport # : 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