vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: CT

Complaint narrative:
Capital One rep ( s ) refuse to reissue affidavit regarding a check intercepted and cashed in my name, the amount of which is {$4200.00}. Both a XXXX and a XXXX, depending on which rep replies, either flat out refuse to reissue or refer back to party whom cashed check in which case it is not my responsibility to do so. Even so, the party is unreachable, has blocked out messages via XXXX. The reps refer to a prior statement made, : I was able to obtain funds from person '' or similar thereof.. The funds were in form of a check which did not clear and even verified in with XXXX XXXX, the issuing bank... This information was provided to Capital One previously, still refuse to investigate... I request the CFPB look into Capital One 's handling of this matter dating back to 2018, a XXXX XXXX replied by implying the party whom cashed check is related, did nothing more.. I disproved her implication and she still refused to do anything further. As stated prior, even if the person is related, does not mean the funds weren't stolen as they were.. Capital One reps do not seem to understand this and or simply refuse to move on matter.. I request the CFPB look into Capital One 's entire handling of this matter dating back to 2018, launch an investigation in re.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: NV

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously, has caused financial injury and defamation of character along with 60 plus days of no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received 2 certified letters from Huntington Bank telling me that my accounts were being closed down. They didn't provided a reason. I went into a branch, they did not provide a reason and referred me to customer service. Customer service would not provide me a reason. 

I think it unjust to just close down someone's account without an explanation. I feel like I'm being made out to be a drug lord who launders money or something to that effect. I don't appreciate all the work that's now created for me, time and energy that would have been best spent elsewhere but now I have to deal with getting a new bank account and changing all my auto pays over. 

In short : I find this whole process very unprofessional and it's one thing from a mom and pop shop down the road, it's another for a huge bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TX

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2021-10-20 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:
My name is XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have been disputing an old account with the bureaus. There is an account with XXXX XXXX for which I requested the payment history directly from the company and they have yet to respond to me. That was XX/XX/2020 and yet they supposedly respond to the bureaus. XXXX is showing that they validated the information however how can an account be 90 days late without ever being 60 or 30 days delinquent? That is just common sense!

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have been disputing an old account with the bureaus. There is an account with XXXX XXXX for which I requested the payment history directly from the company and they have yet to respond to me. That was XX/XX/2020 and yet they supposedly respond to the bureaus. XXXX is showing that they validated the information however how can an account be 90 days late without ever being 60 or 30 days delinquent? That is just common sense!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Freedom mortgage refinanced my mortgage in XX/XX/XXXX. I changed Insurance companies from XXXX to XXXX. XX/XX/XXXX I got a renewal policy from XXXX. Come to find out the agency, XXXX XXXX didn't cancel the policy. Freedom mortgage paid both insurance companies for 1 year monies that should go towards the principal. My mortgage payment after the lower interest rate in XX/XX/XXXX was {$900.00}. Most months that year I paid extra to go to principal. In 3 months XXXX to XX/XX/XXXX my payments changed. XXXX I paid my mortgage through an agent of Freedom mortgage {$910.00}. She told me the problem with the insurance has been resolved I could pay the minimum or the adjusted payment of {$1100.00}. In XXXX the payment went to {$910.00} which it has remained the same. In XX/XX/XXXX I talked to an agent at Freedom mortgage, the {$910.00} XXXX XXXX payment was not applied it was put in escrow. She didn't charge me a late fee and I paid all that corrected the account plus some, and was told All would be removed from my records I had not missed any payments under the circumstances. I call XXXX XXXX XXXX to get a cash out wrap loan that would lower my interest rate and I could build a home on my 4 acres. My daughter, her husband, and my grandson are buying my house through XXXX XXXX XXXX. As of XXXX XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX said Freedom mortgage have not removed their mistakes over XXXX cents. I could be finishing up the building on my new home before winter if Freedom mortgage would have done what they get paid to do. I have written my Senator XXXX XXXX and this is the second time I have written to CFPB. I may have not been clear in my first attempt to the CFPB but, you will find all of my accounts of this complaint to be correct. Please help me correct this issue. I told XXXX XXXX Freedom mortgage has no business providing loans to Veterans at all. In my many conversations with Freedom mortgage the supervisor had a bad attitude and felt Freedom mortgage could do no wrong. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee 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 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-20 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:
EQUIFAX has violated multiple of my federally protected rights as a consumer and will now be subject to criminal and civil liability if these items arent removed immediately.the following rights were violated. 
15 U.S. Code 1611 ( 1 ) 15 U.S. Code 1611 ( 3 ) 15 U.S. Code 1681a ( 2 ) 15 U.S. Code 1681c-2 ( a ) 15 U.S. Code 1681b 15 U.S. Code 1681n ( b ) I HAVE NEVER GIVEN ANY WRITTEN CONSENT TO ANY CONSUMER REPORTING AGENCY TO REPORT ABOUT ANY OF MY PRIVATE DEALINGS OR INFORMATION. THIS SHARING OF MY PERSONAL INFORMATION WITHOUT MY CONSENT IS IDENTITY THEFT.I HAVE NOT GIVEN CONSENT TO ANY CONSUMER REPORTING AGENCY EVER. PURSUANT TO 15 U.S. Code 1681c-2 YOU MUST BLOCK ALL INFORMATION RESULTING FROM AN ALLEGED IDENTITY THEFT NOT LATER THAN 4 days. a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
PURSUANT TO 15 U.S. CODE 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.MY CONSUMER REPORT CAN NOT INCLUDE ANY PERSONAL TRANSACTIONS BETWEEN MYSELF AND ANY PERSON WITHOUT MY WRITTEN INSTRUCTIONS.BLOCK AND REMOVE ALL ITEMS LISTED IN THIS IDENTITY THEFT REPORT. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I request a list of all the names of all the neighbors, friends, or associates interviewed as any item listed in this report was not obtained by information from any of those individuals. 
YOU MUST REMOVE THE FOLLOWING FRAUDULENT INQUIRIES PER FEDERAL LAW : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EVERY LAST ONE OF THESE INQUIRIES IS FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi, I have been trying to resolve this situation for the past three months and it has not been, successful. I have incorrect inquires on my XXXX credit report from date XX/XX/2021, XX/XX/2021 & XX/XX/2021. I made it clear to XXXX numerous times, send out three letters via certified mail, stating that I have not made any inquires on my credit report for the above date. I have been unsuccessful with getting a resolution for these unauthorized inquiries. 

I have two incorrect inquiries on my Experian credit report from XX/XX/2021. I have made numerous attempts by sending letters via certified mail to Experian to remove these inquiries from my credit report and it has been unsuccessful.

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 2021-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
in XX/XX/2021 at XXXX XXXX I used cash app to purchase XXXX from a person on XXXX marketplace. 
immediately I get in touch with cash app to stop the transaction because the bank sent me a notification of fraud. of {$520.00} which i paid to get the device as a gift for my nephew cash app take a 10 days of investigate and they reject my refund request. 
before i use this cash app XXXX pay from this account were requested and were rejected due to fraud concerning. 
i didn't know she is a scammer she sent to me all her legal information including address phone number e- mail after i requested. i told here from a different XXXX account for that information to buy the same device so i told here i only use XXXX XXXX for money transfer. 
that's when i got all the real information about her. i am sure i wasn't the first victim of this person most of the money transfer including my bank warned me except cash app. 
i need help with that matter specially when cash app protect and not stopping the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On 3 seperate occasions there has been fraudulent inquires on my Equifax credit report. I have a fraud alert and disputed with the company but they refuse to remove them XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Equifax did not provide any helpful feedback. I am attaching my fraud report to this complaint in the hopes of getting these unauthorized inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TX

Complaint narrative:
Previously sent a dispute by mail to equifax for identity theft on the following items and never heard back from equifax. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. In addition, I also disputed the following inquiries as I did not authorize anyone to run my credit and or identity theft : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2021-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation