vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Bank : Capital One : Case ID XXXX My name is XXXX XXXX and I am a victim of excessive fraud charges on my account. I feel I am getting no where with Capital One and they are not protecting their customers except sending me in circles. On or around XX/XX/XXXX, I received an alert from Capital One querying if I made charges on my credit card, my response was " NO ''. The card was in my possession, however, the card was destroyed immediately and a new card was issued which I did not activate. The new card sent by Capital One was hacked by XXXX on XX/XX/XXXX and XX/XX/XXXX which Capital One acknowledged and they could not explain to me how was my card activated by someone else. If that was not enough on XX/XX/XXXX my business account with Capital again was hacked for {$25.00} which has been pending on my account, company name XXXX I am at my withs end and with this fradulent act and Capital one is not taking responsiblity for exposing my data. They are holding me responsible for this huge balance which is affecting my credit score. They can not even tell me who activated my new card but yet they are harrsasing me to pay the monthly fees. Please, I need your help, I am fustrated. I have attached the documentation. My cell is XXXX. Thank you for your understanding. I almost want to believe this fraud is internally. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reaching out to you in regard to someone opening accounts under my name. I haven't given anyone permission to open any accounts in my name, nor have i signed for these accounts to be opened. Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Us Bk Pt Ct Ga Account Number : XXXX. Also, there are discrepancies on the 3 bureaus meaning All 3 bureaus information does not match up. From my understanding if all bureaus are reporting the same information, then the account should be delated. I also would like to see documents bearing my signature that I opened the accounts. Without my signature anyone could have perpetrated with the opening of these account. 
Also, there are hard inquiries that need to be removed due to this identity theft. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX  XXXX. 

Upon further research Fair Cret Act states that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed 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 an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reaching out to you in regard to someone opening accounts under my name. I haven't given anyone permission to open any accounts in my name, nor have i signed for these accounts to be opened. Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Us Bk Pt Ct Ga Account Number : XXXX. Also, there are discrepancies on the 3 bureaus meaning All 3 bureaus information does not match up. From my understanding if all bureaus are reporting the same information, then the account should be delated. I also would like to see documents bearing my signature that I opened the accounts. Without my signature anyone could have perpetrated with the opening of these account. 
Also, there are hard inquiries that need to be removed due to this identity theft. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX  XXXX. 

Upon further research Fair Cret Act states that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed 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 an account without my written consent.

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 2022-07-27 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: IL

Complaint narrative:
I have perfect credit and was recently denied credit because of inquiries on my credit report. So I checked my XXXX XXXX  and noticed that I still had some inquiries on my report that TransUnion said was already taken off. They told me the steps they wanted me to go through and I did. I sent them the documents they requested & it still has not been taken care of. I don't know what else to do

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 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX, I notified the three credit reporting agencies ( XXXX, XXXX, and Transunion ) of a number of issues in the reporting of this alleged account with XXXX, that is the only derogatory account on my credit, that run counter to the stated purpose of the FCRA, specifically with regards to the requirement that reported data must be accurate and complete. The alleged account is still appearing on my credit after my inquiry to the three agencies, without most of these issues and discrepancies being resolved and so I write this complaint to the CFPB, hoping for a resolution with this account. 

The Date of Last Payment is not consistent across the credit reporting agencies. Transunion has it listed as XX/XX/XXXX, whereas XXXX has the reporting of that date as being XX/XX/XXXX. Transunion and XXXX have that last payment listed as {$0.00}, which is an odd payment amount for a last payment, and for it being {$0.00}, when Transunion has this account listed as OK for XXXX AND for XXXX in XXXX. XXXX has the account being in a status $ XXXX in available credit. Ive never even heard of a negative number for available credit. And if the account is a CLOSED account, as this is supposed to be, then surely this must be {$0.00} in available credit, not $ XXXX! 
XXXX has the terms listed as N/A, I assume Not Applicable, but on Transunion and XXXX they are listed as Paid Monthly. 
The account numbers have different listings among the three credit reporting agencies. XXXX and Transunion have the number as XXXX, while XXXX has it listed as XXXX XXXX, further inconsistencies. Which number is supposed to be correct? 
There is data missing in the reporting of the account as well, whereas the FCRA allows for the completeness of the data, Transunion shows missing data for almost the whole year of XXXX and XX/XX/XXXX. XXXX has almost the same, with the majority of XXXX data missing. 

Also, if this account listed is even legitimate, XXXX violated the law, never sending me notice of the account being in a derogatory status as per 15 USC 1681s-2a7Ai, the furnisher requirement to provide notice of listing the derogatory account within 30 days of placing that information in their credit file. They never did so. I never received any such notice. 
All three credit reporting agencies have the alleged account listed in the comments as Account closed at Customers Request. Since I am the listed customer that comment would indicate that I took action that I didnt. There is no letter, email or any communication from me making such a request to XXXX. This goes against the FCRAs requirement of factual reporting

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 2022-07-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX account # 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.

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 2022-07-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mortgage company received bill for property taxes on property which I do not own. Mortgage company negligently paid the county for property taxes on property that I do not own, using money from my escrow. approximately {$21000.00} Mortgage company refuses to take any action to remedy this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and XXXX/XXXX  account # 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.

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 2022-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Zip Co US Inc.
State: MD

Complaint narrative:
I used the app Zip formerly known as quad pay as a third party payment processor. They issued me a reward voucher for {$20.00} and it expired on XX/XX/2021. I was not notified of this expiration in any way. I was wondering as a 1 time courtesy if it could be reinstated? However when I inquired the representatives were very condescending and trolled me with very long wait times. Seems their goal in life is to make me shout or prolong the issue because they do not know how to look up the rewards history on my account. I asked them for a list of all rewards to date and the expiration date but they were clueless how to find it. It still shows it when i log into the app. They got very nasty and demanded i take acreen shots etc. Refused to escalate or provide proper support. Your reps should be able to do the leg work looking up the rewards history, why do i need to take often unsecure screen shots? Please provide a history of all rewards to date that were offered and expiration dates. They issued me a reward voucher for {$20.00} and it expired on XX/XX/2021. I was not notified of this expiration in any way. I was wondering as a 1 time courtesy if it could be reinstated? Please answer in writing as I have a XXXX and can not respond by phone. I have been waiting 2 days for an answer from the 3 or 4 reps on online chat that refuse to escalate this to a supervisor or answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2022 charge for {$1500.00}, unauthorized charge from a website XXXX XXXX XXXX with Citibank Costco XXXX card. 

I disputed this charge with the company and the dispute was denied on my behalf with no explanation given. This is simply unacceptable for a high charge like that, that I NEVER authorized.

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 2022-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX Balance Owed : {$5300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 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: NV

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. The XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX account # 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. 

I sent Debt Validation letters to these debt collectors and they failed to provide me a proof that they authorized to collect these allege debt. attached the USPS tracking and the validation letter i sent to them. PLEASE DELETE THESE COLLECTION ACCOUNTS!

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 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Last week my Transunion credit score dropped XXXX points without explanation, to XXXX, as reported by XXXX XXXX. 

My Transunion report shows nothing to substantiate such a drop. Numerous calls to Transunion revealed nothing. Their agents would not even confirm that a drop actually occurred, much less substantiate the reason why.

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 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
XXXX/XXXX/122 i received an email from chime stating that my account was temporarily closed. I was asked to provide documents and pictures of me to verify my identity. I provided Everything they wanted. they gave me specific time to wait for them to respond back. Each and every time they took longer than stated on the email i received. i even begged them to look into my case because i have children and we are currently going through financial hardship and needed to pay a hotel. i have no money to feed them and i lost my recently. i tried to get atleast XXXX to pay the rest of the valance for a room and they could not help. i lost time money and my family in a short time because Chime refuses to unlock my account. Now i begging you to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: TN

Complaint narrative:
Loan was sold to another servicer, Amerinat. I made a payment prior to that loan being transferred. i have spent 5-6 hours on the phone with both now trying to get this cleared up. THe old servicer shows the payment and sees that it was transferred to Amernat. Amerinat is not willing to do the work to find my payment. Now they are not accepting payments on my loan as it is in arrears. My payment was made on XX/XX/XXXX in the amount of {$1600.00} to XXXX XXXX and then that payment was transferred to Amerinat on XXXX XXXX it has been over 60 days and no one is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC
State: IN

Complaint narrative:
I had a XXXX XXXX account and around XXXX I applied for an auto refinance loan. Then also in XXXX my phone started messing up and I had to get a new one. Then I was locked out of my email account and I haven't been able to get back into that email since. I have been locked out of most of my accounts since I just now got a new phone and new number and even a new bank account. I reported it to the FTC because I just received all these letters this past week. The address they were being sent to isn't my mailing address. My credit went from almost XXXX to XXXX. My wife and I are going through a divorce but she does know my personal information by heart including my social security number which she gave to a police officer in XXXX XXXX when she was in a wreck in XXXX of last year. She told the officer she was me. I reported it to both XXXX XXXX and my insurance company that I was not driving the car when that happened. 

The companys and information.. Flagship Credit Acceptance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. XXXX XXXX XXXX services on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XXXX. XXXX XXXX  on 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