vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: NC

Complaint narrative:
I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
I have had a Gemini account for approximately 3 years, tried signing on last week and was unable to sign on and access account. After repeatedly trying to change password and then trying to contact their support O have not heard one thing from them and am no closer to accessing my account and money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: IL

Complaint narrative:
In 2017, my FHA mortgage was {$860.00} monthly. My mortgage payments began increasing with no explanation. The mortgage service was XXXX XXXX. After many calls and no answers given, I hired legal counsel. My Attorney, checked my recorded mortgage and found that U.S. Bank had changed my mortgage from FHA to XXXX. This was done without my knowledge, permission or signature. The mortgage increased to {$3500.00}. I could afford the payment but, after finding out what the bank had done, I stopped payments. Knowing my mortgage was FHA, there are Federal rules that have to be followed. The bank did not follow the FHA guidelines. Instead, they chose to start foreclosure proceedings. My Attorney fought this to no avail. The Bank never produced a signed document. Yet without admitting their wrong doing, their excuse was, we are not located in the same state and could not carry out the face to face meeting. If this had taken place, my property would not have been foreclosed and sold at the auction. I now have filed a Federal Law suit against U.S. Bank, XXXX XXXX. Their commitment of Fraud has caused serious harm to me and my family. 
I am filing this complaint at the direction of a Attorney. U.S. Bank has committed Federal Fraud. Also, my property is located in a area that is being gentrified. Very close to the XXXX  XXXX. I know I can't be the only person this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-08-21 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: TX

Complaint narrative:
MY EXPERIAN CREDIT REPORT CONTINUES TO REPORT THE XXXX XXXX XXXX XXXX ACCOUNT XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ( THE X 'S ARE INVALID BY CREDIT REPORTING STANDARDS ALONE ) XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX pertaining an invalid account number. This falls under inaccurate/false reporting and must be DELETED PERMANTELY AND IMMEDIATALEY FROM EXPERIAN AND XXXX CREDIT REPORTING BUREAU 'S . DUE TO LAW PASSED EFFECTIVE XX/XX/2017 NO JUDGEMENTS ARE TO BE REPORTED ON NEITHER 3 CREDIT BUREAUS. THIS IS ILLEGAL!

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 2023-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My lender, Freedom Mortgage, placed XXXX forced insurance policies on account an XXXX policy and flood insurance. I have emailed evidence of my flood insurance. However, my loan documents don't require an XXXX policy ( it was originally written back in 2007 ) so Freedom doesn't have the legal right add this additional requirement to the original loan. I attempted to speak to the insurance company, XXXX, to explain this but they don't answer their phone after XXXX minutes and I don't have any additional time to devote to correcting their mistake.

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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
While visiting XXXX XXXX on XX/XX/2023 i purchased a tee shirt from a souvenir store, " XXXX XXXX XXXX '' in XXXX  XXXX, XXXX. When we returned home we noticed they charged my account {$10000.00} rather than XXXX XXXX. During this transaction I did not put in a PIN number nor was I asked to sign the receipt transaction. 
( We have never purchased anything this expensive let alone placed that kind of charge on a debit card. We have been with Suntrust which is now Truist for over 12 years now. ) We immediately contacted the Truist Bank that we have our checking and debit account with. They submitted it to their fraud department and after only a day of evaluation sent a form letter stating they found that the amount was authorized and there was nothing they could do. We called the fraud department phone number on that form letter on XX/XX/2023 and after holding for a Claim Supervisor, XXXX, it was explained that since the purchase was made with a chip card it did not require a PIN number or a signature and was automatically authorized by the bank. When I inquired about the banks protocols to catch fraudulent charges such as an exact XXXX dollar charge from a souvenir shop in XXXX XXXX, I was told they did not have the " man power '' to contact individual clients when there seem to be suspicious charges. 
I asked them if there was anything they could do since this was obviously a fraudulent charge and he said there was nothing they could do on their end. He said I would have to reach out to the merchant and get refunded. 
What I realized is that Truist will allow any type of charge to go through on its debit and CC no matter how absurd it appears because they do not have the " man power '' to contact the clients before the funds are withdrawn.

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 2023-08-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I observed notable discrepancies in the reporting of two specific accounts affiliated with American Express ( AMEX ) across my credit reports from the three principal credit bureaus : XXXX, XXXX, and XXXX. These inconsistencies not only raise concerns about the precision of the reported data but also the legitimacy of the account status. 

Specific Concerns : Date of Last Activity Discrepancies : For the account ending in XXXX, the reported date of last activity varies considerably : XXXX lists it as XX/XX/XXXX, XXXX as XX/XX/XXXX, and XXXX as XX/XX/XXXX. 

The account ending in XXXX also has differing dates : XX/XX/XXXX as per XXXX, XX/XX/XXXX according to XXXX, and XX/XX/XXXX by XXXX. 
Creditor Remarks Discrepancies : The remarks across bureaus for both accounts differ. For instance, XXXX mentions " Charged off as bad debt, '' while XXXX includes details like " Account has been closed due to inactivity '' among other remarks. 

Question on Debt Status & 1099-C : Both accounts are reported by AMEX as having been " charged off '' and " reported as a loss by the credit grantor. '' Intriguingly, during a phone conversation with an AMEX representative on XX/XX/XXXX, I was informed that the debt was charged off on XX/XX/XXXX. However, the same representative confirmed they can not provide a 1099-C form for these accounts. The 1099-C form typically indicates that a debt has been canceled, making its absence concerning given the reported status of these debts. 

Actions Taken : In XX/XX/XXXX and XX/XX/XXXX, I utilized the online dispute mechanisms of XXXX, XXXX, and XXXX to address these inconsistencies. 
Between XX/XX/XXXX and XX/XX/XXXX, I communicated with AMEX 's credit reporting and dispute resolution department multiple times, seeking both clarification and rectification. 

As of XX/XX/XXXX, the discrepancies remain unaddressed, leading to my decision to escalate this concern via this complaint. 

Given the discrepancies and potential inaccuracies, I earnestly request a comprehensive investigation. If validated, I seek the removal of these accounts from my credit report to ensure accurate representation of my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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:
I asked the credit bureau to do a verification on my items and they stated everything was accurate and i did a thorough research my self and found that it is still improper inaccuracies on my credit report even after they did a thorough research. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance/ {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} In accordance to the Fair Credit Reporting act XXXX  Account XXXX  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 2023-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2023. Capital one sent letter stating that they believed that a card was opened fraudulently using my information. This was not the case and i opened the account. They beleive it was fraud. I called and s/w fraud dept on 3 occasions. They contacted all 3 major credit services but dont know what the fraud was. They ckaim that someone else is using my identity. This is my account and I made the charges. They are confused as to what exsctly occured to freeze account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: NY

Complaint narrative:
I called Experian to explain about the XXXX XXXX XXXX that was FRAUD/ XXXX XXXX XXXX Experian Agent told me I cant report closed accounts for seven years.. But I dont see no EXPIRATION DAY ON MY EXPERIAN RECORD

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 2023-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I have an complaint against my loan servicer Aidvantage where they miscalculated my debts.I checked my Aidvantage account where my balance was $ XXXXwith two loans are {$30000.00} and {$17000.00}. XX/XX/XXXX my debt increased to {$52000.00} with two {$32000.00} and {$20.00}, XXXX. The interest rate been 0 % since XX/XX/XXXX. 
How did my balance increased that high without any notice? I contacted Aidvantage several times. My debts ( payments ) were in good standing where my payments will be adjusted next month. I am sending payments from XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX. 
*I tried to upload most as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: FL

Complaint narrative:
The accounts are being reported fraudulently the accounts doesnt belong to me an is violation of my rights under the FCRA please remove the accounts from my credit report immediately Ive sent you guys several letters police reports and identity theft reports and the accounts are still being reported please remove the account now thanks Account XXXX XXXX  XXXX Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate Remove account immediately off of my credit report sent letter to credit bureaus and havent got an response its been 70 Days. Thanks Experian Account XXXX XXXX XXXX  Account number : XXXX being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. 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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX charged me a whole olot of times on my account XXXX XXXX supposably took payments and then they got returned but i never saw money in my account. 
XXXX was paid as well by me on there online portal and got returned but never saw at it either on my bank of america account. 
same with XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  purchases with bank of america debit card and just alot of purchases i cant dispute with dispuite center because they even get mad at me because they want to sithere and dispute evrything with me and cant and honestly not enough help and everything gets worst because im in need my self rn im a XXXX XXXX XXXX XXXX  that has no money right now and all these pending issuers are really holding me up. 
because i am a hard worker but this makes me not want to keep working because im afraid my money goes to all the wrong places.and theres records on my bank account for all of this ..so i basically need to get reimbursed really fast because i didnt give my income for workimg hard to the wrong people.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address 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 2023-08-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
I contacted the collection agency to obtain a settlement offer. The representative told me that I need to provide my income in order to determine if I qualified for a hardship settlement. I provided the representative with my income, and he asked me what my car payments behind, and I communicated to him that it was not. He told me that it was no way possible for me to bring in the income that I communicated, and that they would not be able to work with me. I explain to him that I had money in my savings account to help me with my bills. I also communicated to him that I do contract work, which means that my income varies based on the amount of clients that I see. He told me that they could only offer me 10 % as a settlement and that if I called back they would not offer me a settlement offer and this will report negatively on my credit. 
He told me that they could only offer me 10 % as a settlement and that if I called back they would not offer me a settlement offer and this will report negatively on my credit. 
I filed a complaint with their compliance department on the website, and no one has followed up related to the improper treatment from the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: PA

Complaint narrative:
I, XXXX XXXX, am verifying that XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at

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 2023-08-21 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: NY

Complaint narrative:
The following inquiries on my Trans Union credit report were not authorized by me. Please have them remove asap, as they are adversely affecting me. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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