vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to the fraudulent investment firm.

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 2023-10-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2023-10-06 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: CA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I want Trans Union, XXXX and XXXX to add and report the following personal information to my Trans Union, XXXX and XXXX credit report : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, XXXX  XXXX ID Card Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Home Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Phone Number : ( XXXX ) XXXX, Employer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Employer Phone Number : ( XXXX ) XXXX, Start Date : XX/XX/XXXX to present, Annual Income : {$85000.00} to {$150000.00}

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 2023-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my credit report, as provided by TransUnion. On XX/XX/XXXX, I initially contacted TransUnion regarding these discrepancies. To date, I have not received a response. I am providing the following details of the inaccurate information and the requested corrections : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Reported Balance : {$1500.00} Disputed Balance : [ Your Recollection ] I dispute the reported balance of {$1500.00}, as I remember the amount being lower. Furthermore, the Past Due amount should not be reported, as this account is closed and charged-off. I kindly request that TransUnion mark this account as disputed to prevent any further negative impact on my credit score. 


XXXX Date Opened : XX/XX/XXXX Reported Balance : {$7500.00} Disputed Balance : [ Your Recollection ] The reported balance of {$7500.00} is incorrect and has significantly affected my credit reputation. The Past Due information should not be applicable to a closed and charged-off account. I need TransUnion 's assistance in resolving this matter with the creditor and request marking this account as disputed. 


XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Reported Balance : {$1500.00} Disputed Balance : [ Your Recollection ] The reported balance of {$1500.00} appears to be higher than what I remember. As the account is marked as closed, the Past Due amount should not be reported. I intend to contact the creditor to rectify this discrepancy and request that TransUnion mark this account as disputed in the interim. 


XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2100.00} Disputed Balance : [ Your Recollection ] I question the accuracy of the reported balance of {$2100.00} for this account. The account is marked as closed and charged-off, and therefore, the Past Due amount should not be reported. I plan to contact the creditor for clarification and request that TransUnion mark this account as disputed. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account.

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 2023-10-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Recently, I have been a victim of identity theft. My information was compromised and I have been dealing for the last two months with the aftermath. My Debit card was used for an unauthorized transaction on XX/XX/XXXX  for the amount of {$1900.00}. I did not authorize this transactions and was unaware of it and I did not authorize anyone else to use my ATM/Debit card in any way. 


Pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of unauthorized transaction. See especially 12 C.F.R. 205.6, 205.11. the amount should be fully credited back to me. 

But Citibank , N.A . ( My bank ) sent me a letter that I am responsible for the unauthorized and fraudulent charge. 

Citibank Dispute ID # : XXXX This is an illegal act by Citibank and I should get my money back. 

I am attaching a copy of each of the following documents to this letter : A copy of my Identity Theft Report which includes : My FTC Identity Theft Report The police report about the theft of my identity The letter from Citibank stating that I am responsible for the fraudulent charge and they will not credit my account.

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 2023-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Sir/Madam Recently, we went to Truest bank and worked with XXXX XXXX XXXX XXXX a HELOC. She gave us information on rates, types of different information on the loan, and the information she required of us. We shared with her that we were going to sell our home and use the money and the money we were borrowing to build a new home. Never did She mention that there was a pre-payment fee if we close on it before three years. Never did she share that that fee was {$4900.00}. We are not stupid people though we are in our XXXX, we would not have opened that XXXX had we known it would be required of us to keep it for three years. At the closing XXXX went over each page and never told us about the pre-payment penalty. We were given a loan, which we did not use, and began building our home. We also put our present home on the market for sale by owner, and sold it in approximately 10 days. Shortly there after my husband spoke with the manager of the XXXX Florida branch of XXXX about dunning notices for an insurance policy they wanted placed on the home on which we had had the HELOC. We ended up sending them 4 letters explaining we no longer owned a home and did not need homeowners insurance. The manager of the XXXX branch then told my husband that we were now responsible for up to {$8000.00} because we sold it in less than three years. Hearing that we went to XXXX XXXX, XXXX over XXXX XXXX, and asked if that was so. She told us that yes we were responsible for {$4900.00}. We explained that we were never told that. We also told her about the XXXX department that was threatening to buy insurance on the home we no longer own if we did not buy it immediately. They did buy the insurance as a matter of fact, and we had to complain to her again after we had already 1 Closed the loan 2. Filed a request to lower the penalty for selling our home early because we did not know about the penalty XXXX. Paid the {$4900.00} for. 4.Offered to open a HELOC on the home we had moved into while we built. They did actually charge us for a homeowners insurance but it was finally removed. They never told us they had done that we found it out when we opened our mail. We are writing to you to request your intervention and make XXXX return our {$4900.00}. We feel we are entitled to this refund for the following reasons : Number XXXX we were never informed about the penalty, despite at least XXXX trips to the bank to set up the XXXX Two as you can see, there was poor communication between XXXX departments which contributed to the mistakes that cost us money. 
XXXX at no time was XXXX XXXX made available to us to discuss her error. 
XXXX at no time was our problem addressed by the corporate branch though we ask that that be done.

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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Kindly update my account this causing me a lot of stress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX AV XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2023-10-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT # 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 non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
In XX/XX/2022, after over two decades of using my PayPal account without any issue, PayPal suddenly limited my account permanently -- banning me from using the service. They won't close my account and won't allow me to ever set up a new account with them. Many requests to them over the last year have resulted in zero details on why they felt my account should be limited -- they continuously claim they don't have to reveal their reasons. I have confirmed I did nothing that violated the user agreement/acceptable use policy. I wasn't even a seller on the platform -- just purchased goods, traded with friends/family, and gave gifts/donations. They will not allow any appeal or opportunity to address concerns. They won't permanently close the account. A request to then delete all my information and data from their system was denied- they stated that their policy allows them to keep my data around for a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: TN

Complaint narrative:
This company placed a debt on my credit report without sending any form notifying me. I did not receive any call or letter. They are in violation of 15 USC 1692gb, 12 CFR 1006.34c, and 15 USC 1681 s-2 for actual knowledge of errors. I found information on my credit report from them that is reporting inaccurately. The are reporting subsequent collections on my account updating it every month. I am aware of the unfair credit reporting of that behavior. It is not 100 % percent accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
-- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- CAPITAL ONE has committed securities fraud, CAPITAL ONE has discriminated against me by denying me a right against the XXXX, CAPITAL ONE has willfully and voluntary chosen to report deceptive adverse information on my consumer reputation about an alleged debt owed to arose out of a Finance Charge were All Sums where included and satisfaction was made upon application, CAPITL ONE has charged off a debt and has not returned to me dollar for dollar in the amount of the charged of debt and is in violation under 26 USC 6050P, CAPITAL ONE has charged off a debt INCORECTLY reporting it as a debt owed when under IRS definitions charged off debt is should be reported as income there for reporting false, deceptive and incorrect information on my consumer report against 15 USC 1681e ( b ) and 15 USC 1681a ( 2 ) ( i ) and 15 USC 1681a ( 2 ) ( b ) and 15 USC 1681b and 15 USC 6802-3-4-6-9. CAPITAL ONE has charged of a debt as a business loss for tax benefits and has failed to file and send to me a IRS Form 1099C there for committing tax fraud which will be reported to the IRS via a 3949a and 211 Form. CAPITAL ONE you have caused me massive and immense damage financially and personally and have caused me to be discouraged and lose faith in the banking system. I am tired of dealing with this matter with you and im seeking a resolution between you and I one last time in Good Faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XX/XX/2022

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 2023-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I applied for an assumption for our mortgage in XX/XX/2023, ( at this time they verified my mortgage was assumable and assured me that it would not take longer than 90 days for the entire process ). The mortgage company verified that they received my documents on XX/XX/2023. Since then, I have attempted to contact the company. The first time I called, they verified that they received documents and we should get the next step of the process within 7-14 days. Once that time had passed I, again, attempted to follow up. This time the customer service Rep said they would put a ticket in for the assumption dept to call me back within a week. After 2 more weeks, I followed up and they refused to escalate the ticket and refused to allow me to be transferred to the assumption dept or to talk to a customer service supervisor. Since then, I have followed up regularly with the same responses of pushing a ticket to be called back, and to give it more time. The last time I spoke with a customer service rep she even said that it was ridiculous that I haven't received any further communication or follow up from the assumption dept. Customer service said there is nothing else that they nor I can do to move this along any further. 

I feel as though Freedom Mortgage is breaching our mortgage agreement. I also feel as though they are breaching our verbal contract that the process would be completed within 90 days. They are not allowing us to have our mortgage assumed.

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 2023-10-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX ACCT 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