vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: PA

Complaint narrative:
XXXX XXXX, XXXX : XXXX DOB : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX in XXXX, XXXX under the account number XXXX, an personal account opened at XXXX XXXXXXXX in XXXX, XXXX under the account number XXXX, and a collections account opened at XXXX XXXX in XXXX, XXXX with a balance of {$82.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: TOWNEBANK
State: NC

Complaint narrative:
I opened an account with TowneBank in XXXX XXXX NC on XX/XX/XXXX, money market XXXX with the proceeds for the sale of my house, I made sure to tell Operations Manager XXXX XXXX that I was parking the money until I had my passport then I would be flying down to XXXX and buy a beach house. Im down here now and the bank is balking at sending the money to my XXXX bank I want {$240000.00} and they only want to send me {$10000.00} per month. Ive spoken with other expats here ; they have had no problems like I am having

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 2024-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I applied for a modification over two years ago. The modification was approved. Both Mr. Cooper and myself signed a modification agreement. Ive been trying to make payments ever since then and they havent been rejected my payments when I sign into my account online doesnt show up the old number, which was transferred to the modified loan shows up, but not able to make payments on it Reported to the credit bureau despite the fact that Ive made numerous attempts to make payments so they ran my credit and also continually charging me interest, even though Im trying to make payments. This is fraudulent and causing damages to me. 
In XXXX of last year, they had a cyber security incident where the system was hacked. They said that we would not be responsible for any late payments and their system was locked down this Im still being reported as late even though theyre not accepting my payments and I dont have access to my account as an additional contributing factor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
We applied for a loan in XXXX of XXXX and found that my husband could not obtain a loan due to a low credit score. From there we found out that there were 2 credit cards fraudulently taken out in his name in XXXX using a previous address and his SS # where we have not lived at since XXXX. When he called the credit card company, JPMorgan Chase Bank, to find information about the credit cards he was unable to get any information since he did not have answers to the security questions, ( because he did open up these accounts ) & an incorrect phone #. All they had was a previous address and his SS #. After talking to several people at JPMorgan they were able to change the address on the credit cards to our current address and then sent us copies of the statements. He was told that on the 1st credit card there were numerous charges made at XXXX for cash advances totaling over {$43000.00} in XXXX, PA. Then on the 2nd credit card there was over {$3000.00} of charges for cash advances at a XXXX XXXX XXXX , TX . We have never been to either cities to have been able to make those charges. Since we haven't lived at the XXXX address for over 19 years we never received any statements from JPMorgan Chase of the fraudulent accounts.. On XX/XX/XXXX we gave a copy of the statements to a XXXX County Sheriff police officer along with our statement of what happened and are still waiting for the report to be completed. But due to a large overload of cases the report has not been processed yet. We have submitted a request for the status of the report from XXXX County on XX/XX/XXXX but still have not heard back. We now received a statement from a XXXX XXXX XXXX for collection of the money. We have not payed any money yet and will be disputing all of the debt with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-14 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: TN

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-09-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I've KINDLY REQUESTED LEGAL RIGHTS INFORMATION PER FAIR CREDIT ACTS. 
ANY AND ALL INFORMATION BE SUPPLIED TO MYSELF PER DEBT. 
THEY ABSOLUTELY REFUSE. 

I've Called the Alleged Hospital That Debt Was Incurred. They've NO RECORD. 
THIS IS OBVIOUSLY ERROR, ERRONEOUS OR FRAUD. 
XXXX. 
I WAS IN XXXX XXXX CA DURING CHARGE DATE. 
Nowhere near Arkansas. 
Please have Removed ASAP PER LEGAL RIGHTS. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX  number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-09-14 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: VA

Complaint narrative:
I have contacted equifax several time via telephone and 2 certified letters sent on XX/XX/XXXX and XX/XX/XXXX. With no response. 

I contacted XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and sent certified letters XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: PA

Complaint narrative:
My information was purchased on the dark web by this company XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX DELAWARE XXXX. Because of this reason these fraudulent accounts are appearing on my consumer FICO credit report which I do not recognize as reported & which are the result of Identity Theft & Fraud.The accounts are XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/year>, XXXX XXXX XXXX on XXXXXXXX XXXX XXXX, and XXXX XXXX on XX/XX/year> I have sent in Letter after letter after letter and these items are still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: PA

Complaint narrative:
My information was purchased on the dark web by this company XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX DELAWARE XXXX. Because of this reason these fraudulent accounts are appearing on my consumer FICO credit report which I do not recognize as reported & which are the result of Identity Theft & Fraud.The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX on XX/XX/year> I have sent in Letter after letter after letter and these items are still 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 explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NM

Complaint narrative:
On XX/XX/year>, I opened a dispute with this bank regarding a charge for {$110.00} at XXXX XXXX XXXX XXXX XXXX. The bank sent a letter asking for additional information but stated it was optional if I only have such additional information. On XX/XX/year>, I received a letter stating that the bank had reversed the dispute against me because I hadn't responded to the letter. The letter was stated as optional so this submission shouldn't have affected the outcome of the investigation if I had no further information. The bank is deliberately being deceptive and not honoring my rights under the Consumer Credit Protection Act by conducting a proper investigation.

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 2024-09-14 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: NY

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-09-14 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: NY

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: CORELOGIC INC
State: FL

Complaint narrative:
I contacted the following companies regarding the unauthorized inquiries that are currently being reported on my credit report and asked for them to be removed. According to the FCRA these unauthorized and unverified accounts must be removed. They denied my request and ended the call.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request a reinvestigation of a collection account listed on my TransUnion credit report. The account is being reported by XXXX XXXX XXXX under reference number XXXX, amounting to {$1000.00}, and reported on XX/XX/2024. I dispute this account because I have no contractual agreement with XXXX XXXX XXXX, nor have I received any verification of the debt or assignment transfer contract that legally authorizes them to collect this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt. Despite this, no validation has been provided, and XXXX XXXX XXXX has failed to produce documentation establishing their legal authority to collect on this alleged debt. Additionally, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, it is unlawful to report inaccurate or unverified information on my credit report. The absence of a signed contract, valid assignment, or verification confirms that this collection account is both inaccurate and unverifiable. I request that TransUnion immediately delete this collection account from my credit report due to its inaccurate and unverifiable nature. If TransUnion chooses to maintain this account on my report, please provide me with copies of all documents used to verify the account 's accuracy, including any contracts or agreements bearing my signature and proof of the assignment or transfer of the debt to XXXX XXXX XXXX. Please note that under the FCRA, you are required to conduct a reasonable reinvestigation of my dispute and provide a response within 30 days. Failure to comply with federal regulations may result in me taking further action to protect my rights. I trust that TransUnion will handle this matter promptly and in accordance with all applicable laws. Please confirm that this account has been removed from my credit report or provide the requested documentation verifying its accuracy. Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one close my account with {$5000.00} in it and they wont mail me a cashier check..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Got an alert from Truist Bank indicating that {$2400.00} was being transferred from my savings account through XXXX. I immediately responded and told them it was not me. They indicated it was still in pending and would be reversed and I would get my money back. That did not happen. Have reported to FBI, local policy and done everything told to do including having to close all checking, savings and debit cards and get automated deductions to new accounts that had to be opened and talked to fraud department several times. They are trying to say I initiated the wire. I did not and do not use XXXX and actually asked several times for it to be removed from my account and they will not do that either. I have sent letters to legal departments of Truist and getting ready to send letters to Board of Directors but, of course, no response from any of the legal departments. I feel like they are calling me a liar and will not do their part and refund my money. There was an email address shown on the XXXX  transfer with my husband 's name. He does not do XXXX or any of the banking except use his debit card at ATM. They will not investigate where the money went or the email address given. It has nothing to do with us. I reported this was not me immediately.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For some time now I have been contacting Transunion in regards that my credit score that I monitor through XXXX for their bureau has nothing to do with the credit score that they are providing the creditors when I apply for credit. I been turned down by the XXXX XXXX that is offered by XXXX XXXX many times because of this. Not only they do not send an updated scoring to the creditor but they also use the same model XXXX XXXX XXXX model and the scores are completely different. I have called the creditors and they advise me to call the bureau and they have me in a back and forth all the time. XXXX  XXXX is another bank which has never given me a decent credit over 500 dollars and I have 5 credit cards with them and this is the reason why because my credit score and my report are not accurate. A discrepancy of over 100 points. 

I will attach proof of this findings

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