vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: LA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING 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 2023-03-23 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: DC

Complaint narrative:
I was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!! I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account. 

( Capital One ) ( Account # XXXX ) ( opened on XX/XX/2023 ) According to the FRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( Capital One ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence. 
Thank You and I look forward to an instant resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On or about XX/XX/2023, I became apprised of the fact that there are FOUR UNAUTHORIZED inquiries on my Equifax credit report. 
On XX/XX/2023 I notified Equifax of their error and demanded these unauthorized inquiries be removed. 
Equifax did NOT respond within the required 30 day period. 
My attorney recommended I file a formal complaint with the FTC for breach of privacy for the inquiries in question as release of my equifax information WAS NOT AUTHORIZED. I filed those reports ( FTC Complaints enclosed ) Equifax once again IGNORED the demand to remove the inquiries. 
I am left with no choice but to file formal grievance with CFPB and to formally put on notice to Equifax that there are now {$2000.00} into FCRA violations. 

Equifax depended solely on its flawed e-Oscar system and produced a canned boiler plate letter noting that companies can place inquiries. THIS DOES NOT COMPLY WITH THE LAW. 

As in Cushman v TransUnion, Stevenson v TRW ( XXXX ), and Richardson v Fleet ( Equifax ), the courts have repeatedly ruled that the CRA could not merely " parrot '' information from creditors or collection agencies ; they have to conduct an actual, independent investigation to ensure the validity of the inquiry. Sending out a generic letter through e-oscar does NOT comply. 

As Equifax is aware, each violation of the FCRA allows for damages of {$1000.00} should I take this matter to Court.

If Equifax fails to remove the noted inquiries, I reserve my right to take this matter to Court and obtain not just removal of these inquiries but also damages, court costs, and any other remedy enabled under both Federal and New Jersey law. 

Be guided accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hi chase did a fraud of XXXX on my account and they dont want to refund me the XXXX and its already been over 2 months and i really need this money that they stole from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: OR

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX attempted to collect a Debt from Creditor XXXX for {$86.00} On XX/XX/2019 I sent a letter notifying them of the invalid information for charges that XXXX has inadvertently sent after service ended. This dispute was resolved with XXXX and I have had ongoing service with them to date. I submitted a dispute with all three credit bureaus. I won the dispute and the item was deleted from my credit report. XXXX XXXX acknowledged this decision and sent a letter stating that the debt will not be re-reported to the credit reporting agencies by XXXX. XXXX. XXXX. XXXX has now changed the reference number to make it appear like a new claim, violating their mailed statement on XX/XX/ and reported it to Equifax. 

I believe they should be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My father is XXXX XXXX XXXX My name is XXXX XXXX XXXX That account is under my fathers name and I never co signed for the car. My father is deceased now. I am not responsible because I have 2 vehicles I own and never drove the vehicle he had.

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company stated the accounts with them were charged off. They also sold these account to debt collectors and so they were indeed paid for the account. Debt collectors are now telling me I owe them for a debt. I need the balance to reflect as it should be which is XXXX. This company also did not provide me with my copy of the 1099c for their financial cancellation of this debt. If they did then that would be clear evidence that this is no longer owed. Its improper to state I owe something that they received payment for whether it be by government or myself. I need full accounting records showing they were never paid by the government which is obligated to pay for all public debts and if indeed they were then I do not owe them anything. If they can not provide that then this account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am concerned that Experian may have allowed someone to setup a fraudulent online account for the purposes of unfreezing my credit report. However I am unable to contact Experian with the concern, as they appear to have no actual customer service. 

I discovered a fraudulent credit card in my name from a bank that I currently do business with. I had previously frozen my credit report with all 3 bureaus. I was able to login and obtain a free credit report ( confirming the freeze ) from 2 out of 3 agencies, using XXXX. But I was not able to retrieve my report from Experian. 

I attempted to call Experian, but there is literally no option to talk to a human at all ( though I spent at least an hour trying to do so ), and I as unable to confirm that my credit report was frozen. In fact, the computer prompted me to set a freeze or fraud alert. I attempted to create an online account to verify my freeze, but after creating the account I get stuck in a state where there is " an error '' whenever I attempt to retrieve my credit report, only there is no indication of what the error is and to way to get technical support from Experian with the use of their website. 

I had my wife create an online account and she was immediately able to retrieve her credit report ( and confirm that her credit report is frozen ). This adds to my concern that someone may have already created an account with my social security number -- yet there is no apparent way for me to report this concern 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 non-monetary relief
Consumer complaint received 2023-03-23 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: IL

Complaint narrative:
I bank at US Bank and still do. On or about XX/XX/2023 I placed a check # XXXX in the mail for payment towards my peoples gas bill. Some time after this date the check was intercepted, washed and the payee altered to an unknown and unauthorized payee by the name of XXXX XXXX. The check had been altered from {$370.00} to {$4400.00}. This altered item cleared my account and the fraudulent amount of {$4400.00} was withdrawn from my account. 

I discovered the altered check upon reviewing my statement and I immediately attended a USBank branch and froze the affected account and moved the remaining funds to another account. Considering XXXX XXXX XXXX XXXX my children assisted with helping redirect my SSA payment and retirement deposits. US bank to this date has failed to reimburse be for the unauthorized withdrawal. I have completed all the necessary affidavits and statements to US Bank but have been provided NO response to my requestS for when Ill be reimbursed. I advised USBank that I dont know this person and didnt write this check to THEM. 

I am blessed to have the funds available to be able to pay my expenses but how many other victims are not as fortunate.. 

This has been going on for over two months I dont understand the delay and need the assistance. 

The US BANK account in question is 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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I filed a complaint and Citibank requested my documentation and proof of both my passports, because I have two citizenships, in American passport I am XXXX XXXX and in XXXX passport I am XXXX XXXX, I sent both my passports and they have ignored me. 

They are holding my {$25000.00}, as I previously told them I have left the states and have only got a family correspondence address. I need my money because my property developer is threatening to foreclose on my properties. I have no money currently. 

I have given Citibank all their requested documents and they have simply ignored me. I Need my money and I would love for them to transfer it to my XXXX account or give me access so I can do it because if I have to pay out of pocket for flights to america to pick up a cheque when I have done nothing illegal or wrong apart from been there victim of citi stealing my money under legal loopholes then I will have to file arbitration against citi for monetary damages and punitive damages.

I need them to take this seriously. Its been 5 days since their last email and I call and they say I should wait for my case manager to look over it

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I discovered in early XXXX that Barclays Bank had been sending my rewards points from my Visa Card to an account that I had closed years before I opened a the account with Barclays, and that Wyndham Rewards did nothing to correct the error. 
Since late XX/XX/XXXX, I have contacted Barclays or Wyndham some 12 times by either phone or email and have been sent from the one to the other several times without resolution of the problem. As of late, they have stopped responding to me altogether. The only change that has been made is that Wyndham Rewards opened a new account in my name and the Barclays card points from XXXX XXXX forward have been credited to this account. 
Much to my consternation, Wyndham rewards still won't credit to me the XXXX points that have been sent to them by Barclays, and Barclays will likewise do nothing to correct their error. The points number was the total from all the Barclays ' Visa Card statements that I have from the opening of the account in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX 
I ended up XXXX XXXX XXXX and fell in to a position to where I could not pay as I waited for my XXXX pay. It was repossessed due to my inability to work. 
This loan has been reported as closed for a few years now and every so often it is reporting as a new loan. The dates keep resetting and statute of limitations is XX/XX/XXXX. 
I would like this handled as it keeps ruining my credit reports after 3 times of repairing it. 
As a XXXX XXXX XXXX XXXX I am asking for relief for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: VA

Complaint narrative:
The collection agency reported the debt to my credit report but never sent a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: LA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
My account was closed on the XXXX XXXX XXXX Due to recent account activity, XXXX XXXX XXXX has made the decision to close my account ending in 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 2023-03-23 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: GA

Complaint narrative:
EXPERIAN is reporting an account with XXXX XXXX on my credit report and I have never transacted any business with XXXX XXXX. This account was previously blocked from my credit report by EXPERIAN due to identity theft about the dates of XXXX XXXX. 

Pursuant to 611 5 ( b ) i Provide a copy of the certification of accuracy of information.

Pursuant to 611 5 ( b ) ( ii ) Provide business name & address of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such 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 explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
Below is a continuation of the initial complaint first submitted and closed. 

The reason surrounding the hazard insurance discrepancy was at no fault of my own. Village Capitol had confusions at the refinance. This caused them to have an oversight and not pay the borrower assigned hazard insurance. As a result, they placed Forced Placed their insurance. This was during the peak of XXXX which heavily impacted my family resulting in a XXXX XXXX  and XXXX XXXX  I needed my mortgage company to perform as expected and they did not. Their inability to properly service my account lead to undue financial stress and frustrations. I now suffer an increased hazard insurance premium and the delayed analysis caused extreme payment shock. The reason relayed as to why they did not analyze my account does not excuse them from properly servicing the loan and being noncompliant with the RESPA guideline. I am not happy with the path of resolution given. Sine they will not spread my shortage over the 60 month term requested. I do not find it to much to as that they spread the shortage over 36 months. Doing so will keep me out of delinquency in a time when inflations are at an historical high.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
I checked on wheres my refund with the irs and my 2020 refund was disbursed but I believe the bank account was closed. I never received any funds with my XXXX CA STATE REFUND

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: FL

Complaint narrative:
I reached out to Trans union on XX/XX/2023 in regards to hard inquiries on my credit report.they have yet to respond 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 2023-03-23 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: FL

Complaint narrative:
My father is XXXX XXXX XXXX My name is XXXX XXXX XXXX That account is under my fathers name and I never co signed for the car. My father is deceased now. I am not responsible because I have 2 vehicles I own and never drove the vehicle he had.

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