vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Ive had this account XXXX years and my late husband served in XXXX XXXX XXXX and he was an honorable veteran and XXXX. 

Im currently receiving his pension checks since his death in XXXX 

Bank would not exist without people like him. End of that story. 

Now bank refuse to release the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I for a account with a XXXX XXXX and was denied membership due to my check systems report. Once I received a copy in the mail. I seen over XXXX inquiries that was not my doing. I have XXXX product with XXXX XXXX. A business credit card. I spoke with a rep this morning. My card was issued XX/XX/XXXX. So XXXX inquiry is legit. I received the product, no need to apply again. There are XXXX XXXX inquiries on XX/XX/XXXX, again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again using last four of my ein #, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, It doesn't even make sense. This is obviously and definitely fraudulent activity. I will list the lenders on my report that I did not apply with nor give my permission to do so. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX. XXXXe XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. I did not apply at any of these Institutions. This is fraud. XXXX XXXX XXXX XXXX I applied once on XX/XX/XXXX. I was denied membership. That should be the only inquiry from them. I have XXXX secured card with XXXXXXXX XXXX XXXXXXXX XXXX XXXX inquiry on XX/XX/XXXX is legit. I still have the secured card and haven't applied for a credit product yet. All other XXXXXXXX XXXX inquiries are fraudulent. I spoke with XXXX XXXX and XXXXXXXX XXXX XXXX. They both said there's nothing they can do on their end. All inquiries except for the ones I stated are acts of fraud and by law should be removed immediately if not proven to be legit. And that's definitely not going to happen. This is causing me a great deal of hardship on the personal and business side. Nobody in their right mind would do this to themselves. It has to be obvious! Please remove asap. Thank you

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 2023-08-07 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: LEXISNEXIS
State: IL

Complaint narrative:
Ive disputed a XXXX XXXXXXXX XXXX  IL XXXX Reference number XXXX with the following credit bureaus ( XXXX, XXXX, and XXXX ) which all confirmed the public record was verified by the LEXISNEXIS and THE COURT HOUSE. I asked all three bureaus ( XXXX, XXXX and XXXX ) to disclose their method of verification on the alleged XXXX they are reporting. They replied to me with the XXXX being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-08-07 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: NV

Complaint narrative:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the account is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion placed 10 items on my credit report all in one day. I asked them for an explanation of why they did this and to verify that these accounts belong to me. TransUnion has not provided any proof that all 10 of these accounts belong 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 2023-08-07 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm trying to get access to new lines of credit, but a previous situation with XXXX XXXX and XXXX is impacting my overall credit-score. 

This incident happened in XXXX, 2022 with XXXX XXXX ( XXXX XXXX ) consumer credit card payment that was delinquent for over 60 days. This ( XXXX XXXX ) XXXX XXXXXXXX XXXX  was transitioning over to XXXX XXXX responsibility during that time, and would no longer be under XXXX  XXXX going forward. 

* This change caused confusion on the consumer side. 

* In addition the above change, this issue was further compounded since we recently moved and underwent an address change during that time and missed the notification entirely. 

My wife and I share responsibility for the payments, and tied to the card. There was a small {$65.00} charge that personally I was not aware of and went unnoticed for over 3-Months and is a poor reflection and major derogatory mark on my personal credit score.

When tried to resolve the issue, they were not willing to help and made things extremely difficult to resolve. I was so frustrated, I closed the account with them and did not move forward with the new responsible party of 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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I deposited a XXXX cashier check my friend gave me to cover bills, insurance deductibles for my home, and car repairs on XX/XX/23. On XX/XX/23 It was no longer pending and had been cleared. So I paid my bills online. They then took the check back out and put a hold on it causing my bank account to go into the negative over XXXX dollars and I had still not paid my insurance deductible or fixed my car. When I went into the bank on XXXX XXXX to see why you would remove XXXX that already cleared, the bank manager refused to call and verify the cashier check and look into why they took the funds back out and put them on hold. When I asked to close my account because of what they were doing to me, she committed second degree extortion on video and threatened to call the police on me to intimidate me into allowing the bank to retain my funds. She seemed to be upset that I explained she was breaking federal cashier check laws and did not want to help me, she just kept pushing a folder at me saying read the policy she was violating, so I turned the camera on to prove it. Today is XX/XX/23 and I have spoke to several people and sent the video of their teller in, but my account still says negative and cashier checks XXXX and under are to be treated as cash. The banks own policy says these funds are to be available the next business day. The bank is causing me severe distress and anxiety I just want to get my house and car fixed like my friend gave me money to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had an unauthorized XXXX transaction on my Capital One account for {$1000.00} on XX/XX/XXXX. I provided proof that my phone was hacked and compromised on XX/XX/XXXX. Capital One denied my dispute stating that the payment was sent through a trusted device ( yes, I stated that when I said my phone was compromised and sent them proof ). They also claimed touch ID or face ID was used to make the payment which is a complete lie. I do not have Face ID installed on my phone nor touch ID. I did not make this transaction and they will not protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I was approved for relief through the XXXX XXXX XXXXXXXX program in the amount of XXXX. These funds have not been applied to my account. We had two active applications for assistance opened with the XXXX XXXX XXXXXXXX XXXX. The first is application ID XXXX was approved in the amount of XXXX. Cross Country Mortgage let the Mortgage relief program know that they received the payment of XXXX and applied to our loan, but they have not applied these funds. Cross country Mortgage has stated they sent the funds back to the Mortgage Relief Program on XX/XX/23 and closed out our Loss Mitigation file. As of XX/XX/23 the Mortgage Relief Program states they have not received back the funds. The second application ID XXXX was in the amount of XXXX and was denied by MRP because it is for the secondary loan on our account and did not meet the approval criteria and would have put our total relief amount over the {$80000.00} cap for assistance through the Mortgage relief program. This information is also incorrect and Im not sure why it was denied. Cross Country Mortgage has now also taken us out of loss mitigation, and we currently have a collections department calling and harassing us daily. 
Cross Country Mortgage needs to re-open our loss mitigation file and contact the Mortgage relief program with this information to make our account current and request the funds through the Mortgage relief programs portal. We still need the XXXX that we were approved for through application ID XXXX to be applied to our loan. 

Both companies are stating the other is to blame, meanwhile, I could lose my house to foreclosure. I have done everything in my power to contact both companies and resolve without resolution. I would like this situation escalated and to be contacted for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Class action law suite will be filed against Experian and XXXX and XXXX if they do not correct false credit reporting Experian was sued for this they know it's a voilation The corts say you can not report a balnce on a cancled debt there is no more balance to report when you cancle a debt Reporting a debt with a balnce owed that has been canceled is a violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). case law has proven this XXXX is still reporting a canceled debt as a collection and pass due amount A federal court has ruled that such conduct is potentially prohibited. In Baker v. American Financial Services, the Court held that consumers may bring claims under the Fair Credit Reporting Act if creditors continue to report debts on credit reports after filing a Form 1099-C In Kunwar v. Capital One, N.A., 2017 WL 5991864, at *36 ( N.D.Cal., 2017 ), Judge Koh allowed an FCRA claim past the pleading stage based on the argument that reporting a debt that was cancelled by issuance of a 1099-C rendered the reporting inaccurate. 15 U.S.C. 1681s-2 ( b ) Shull v. Synchrony Bank 1:19-cv-00715 BOBBY A. SHULL, Plaintiff, v. SYNCHRONY BANK, and EXPERIAN INFORMATION SOLUTIONS, INC., Defendants . Baker v. American Financial Services, In Kunwar v. Capital One, N.A., 2017 WL 5991864, Shull v. Synchrony Bank 1:19-cv-00715 violating 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). Plaintiff alleges that XXXX canceled Plaintiff 's debt, and thus, XXXXXXXX XXXX continued reporting of Plaintiff 's outstanding debt to the CRAs 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 2023-08-07 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: 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 2023-08-07 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.

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 2023-08-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of 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 2023-08-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sent a letter out on XX/XX/2023 to XXXX Transunion And XXXX. Here is my tracking numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, however it has been more than 30 days and the credit bureaus have failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the day the agency receives the notice of the dispute from the consumer or reseller

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 2023-08-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent a letter out on XX/XX/2023 to XXXX XXXX And Equifax. Here is my tracking numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, however it has been more than 30 days and the credit bureaus have failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the day the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with explanation