vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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: GA

Complaint narrative:
in accordance with the fair credit report act this creditor, XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX  under 15 usc1 secton 602 states I have the right to privacy 15 usc1681 secton 604a section 2 also states that consumer agency can't furnish an account without my written instructions, under 15 usc 1666b creditor may not treat a payment on a credit card account under on open consumer credit late for any purpose. 

for the XXXX XXXXXXXX credit, I responded to a lawsuit, and they could not provide the information, it needs to be removed from my credit report.XXXX XXXX needs to remove cause limitations has been 7 years

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 2022-09-28 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, DPT EDXXXX 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 an 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 2022-09-28 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, DPT EDXXXX 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 an 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 2022-09-28 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: NY

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX have inaccurately reported late payments to the credit bureaus on my consumer report. I pay my car note as agreed. I was never late. I have contacted them but they still have not corrected 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 non-monetary relief
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX have inaccurately reported late payments to the credit bureaus on my consumer report. I pay my car note as agreed. I was never late. I have contacted them but they still have not corrected this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX have inaccurately reported late payments to the credit bureaus on my consumer report. I pay my car note as agreed. I was never late. I have contacted them but they still have not corrected 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 2022-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balanced Owed : {$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 explanation
Consumer complaint received 2022-09-28 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: NY

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balanced Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: MO

Complaint narrative:
I have been submitting multiple letters and countless CFPB Complaints requesting that the Equifax Credit Bureau remove the disputed unauthorized inquiries that are reporting on my Credit File. These inquiries were never authorized and I never allowed anyone to use my personal information to inquire anything on the date shown by these inquiries. Under the FCRA section 605b, I am requesting that the Equifax Credit Bureau remove the disputed unauthorized inquiries completely from my Credit report. Im attaching the required FTC Report for Equifax and the bank 's records. Please remove these files. If Equifax feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature. If Equifax Credit Bureau do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the following Items : XXXX XXXX XXXX XXXX, MO XXXX XXXX  date of inquiry XX/XX/202XXXX XXXX date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2022 Wire Transferred to XXXX Total {$2000.00} As per bank, it said : DEBIT AUTHORIZATION DENIED BY CREDITING PARTY AS FUNDS CAN NOT BE RECOVERED FOR RETURN. ACCOUNT BLOCKED FOR FRAUDULENT ACTIVITY. THIS CASE IS NOW CLOSED. 

XX/XX/2022 Wire Transferred to XXXX Total {$30000.00} XX/XX/2022 Wire Transferred to XXXX Total {$28000.00} XX/XX/2022 Wire Transferred to XXXX Total {$10000.00} XX/XX/2022 Wire Transferred to XXXX Total {$40000.00} XX/XX/2022 Wire Transferred to XXXX Total {$20000.00} As per bank, it said : We last sent a message to the recipient XX/XX/2022 regarding the recall request and we are still waiting for their response. 
We will send a follow up regarding the recall request. 

XX/XX/2022 Wire Transferred to XXXX Total {$5000.00} As per bank, it said : We last sent a message to the recipient XX/XX/2022 regarding the recall request and we are still waiting for their response. 
We will send a follow up regarding the recall request. 

XX/XX/2022 Wire Transferred to Scammer which has account in XXXX XXXX XXXX  Total {$20000.00} As per bank, it said : Recall is in the process. Series of XXXX messages has been sent to the receiving bank for return of the funds, awaiting response from the receiving bank. 
As per the recall disclosure recall happens on best effort basis and there is no time frame for this process as money is not with chase so we will have to wait for the other bank to respond to our recall request via XXXX message. 
Kindly follow up in 3-5 business days for the case update. 

XX/XX/2022 Wire Transferred to Scammer which has account in XXXX XXXX XXXX  Total {$20000.00} As per bank, it said : Recall is in the process. Series of XXXX  messages has been sent to the receiving bank for return of the funds, awaiting response from the receiving bank. 
As per the recall disclosure recall happens on best effort basis and there is no time frame for this process as money is not with chase so we will have to wait for the other bank to respond to our recall request via XXXX message. 
Kindly follow up in 3-5 business days for the case update. 

XX/XX/2022 Wire Transferred to Scammer which has account in XXXX XXXX XXXX  Total {$20000.00} As per bank, it said : Recall is in the process. Series of XXXX  messages has been sent to the receiving bank for return of the funds, awaiting response from the receiving bank. 
As per the recall disclosure recall happens on best effort basis and there is no time frame for this process as money is not with chase so we will have to wait for the other bank to respond to our recall request via XXXX message. 
Kindly follow up in 3-5 business days for the case update.

We hope this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: PA

Complaint narrative:
Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at knifepoint while picking my dog up from doggycare and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-28 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-28 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: 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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:
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

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 2022-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I deposited a cashiers check from XXXX XXXX ( XXXX ) for {$8500.00} at the local WELLS FARGO branch- at which I am a member. 
I was told by the banker who took my check that I would have access to a portion of the funds ( {$5500.00} ) the following day ( XXXX ) and that the rest would be deposited on XX/XX/XXXX, XXXX XXXX days later. 

Number of Checks XXXX Total Checks Amount {$8500.00} Total Deposit {$8500.00} Deposit Availability {$5500.00} will be available on Tuesday, XX/XX/XXXX So, I said to myself : Okay, fair enough.. And on the strength of what the associate told me ( {$5500.00} the following day ) - I deposited the check. 

Today is Tuesday. XX/XX/XXXX and I havent had access to ANY of the aforementioned funds ( {$0.00} ) since I deposited the cashiers check! 
I even had the issuer of the CASHIERS check ( from XXXX a highly reputable bank ) to call. And they said that there was nothing that we can do.

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 2022-09-28 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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Noticed that my monthly payment increased by over {$40.00} ( from {$1500.00} to XXXX ) with no explanation. I called Truist and was told it went up because I have a {$520.00} escrow shortage. I informed the rep that I usually pay my escrow shortage and was willing to do so this time as well. I requested an escrow shortage letter in order to send the payment to the pertinent dept at Truist. I am yet to receive the letter. However, I paid the {$520.00} ( see attached ) escrow shortage via online banking. After paying the {$520.00}, I realized that my payment went down to {$1600.00}. I contacted Truist to find out why my payment was not back to {$1500.00} and was told " Only {$260.00} was applied to your escrow because that is your shortage. The rest of the money is just sitting in escrow-it was not applied to your escrow. You can get a refund if you want. '' I informed the rep I was told that the shortage was {$520.00} and the statement also shows {$520.00}. She proceeded to tell me " That's the mistake that customers make-thinking that their payment won't go up after paying the escrow shortage. '' So I asked her what else can cause an increase in monthly payments other than tax and insurance, and she could not answer the question. I then asked her " If I pay my escrow shortage, why is my payment going up, '' and she basically reiterated that it can still increase. I then told her to send me a bill with any other increases ( in addition to the {$520.00} that I have already paid ) in taxes and/or insurance so that I can pay it instead of increasing my monthly payment. To date, I have not received a letter detailing any additional shortage, but my payment is still at {$1600.00}. This is not the first time that Truist/Suntrust has increased my monthly payments despite the fact that my escrow shortage was paid in full. My payment was previously just over {$1500.00} before it went to {$1500.00} ( despite paying my escrow shortage in full ) without any explanation. I am mentally drained from the constant issues with Truist. It is depressing. I am tired of the back and forth.

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 2022-09-28 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: NCB Management Services Inc.
State: FL

Complaint narrative:
Good afternoon Team NCB, In accordance with the Fair Credit Reporting act XXXX Account # 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 Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. This item # XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possible

Company response to consumer: Closed with explanation