vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I received an alert from Experian credit reporting company that an unauthorized and unsecured loan was taken out in my name at XXXX XXXX XXXX with an address of XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX on XX/XX/2024 for {$150.00}. It is a XXXX  month installment loan and the only partial account number they provided was XXXX... 
I have no reason to deal with this company and never authorized any type of loan with them. No one I know is authorized to utilize my name or personal information to secure a loan.

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 2024-05-18 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: OH

Complaint narrative:
The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX ( original creditor : XXXX XXXX ) # XXXX has violated my rights. 
I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 1

5 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc.
State: VA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX Ive paid XXXX in tips and fees that arent optional. The advertising on social media told me that there was 0 fees and 0 interest but there is a part of the application where they make you pay a donation and tip that seems to increase every time you take out a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I did no agree to or purchase the add-on XXXX XXXX It did not show up on earlier statements. I also went through a couple of months where they were making corrections to my account and just noticed the add on charge. I did not agree to the add-on and want the funds refunded.

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 monetary relief
Consumer complaint received 2024-05-18 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: FL

Complaint narrative:
XXXX and TransUnion are both reporting illegally. XXXX XXXX XXXX is not my account but has been fraudulently added to my collections and derogatory marks. Resulting in illegal defaming and damage to my report and score. 
Consumer laws and FCRA 15 usc 1681 are to be affective immediately.

I ask for removal immediately or legal action will occur

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
someone stole my identity and opened this capital one card without my knowledge. 

Capital one is now XXXX me in court over this account that was never mine charged off at XXXX now they want XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I realized after reviewing my credit profile that I had some inquiries that do not 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 non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I hold two accounts with JPMorgan Chase : a checking account with a balance of {$11000.00} and a savings account with {$20000.00}.

The primary use of these accounts was for normal transactions among friends, many of whom are international students from XXXX. This included paying for goods, tuition fees, and other similar transactions. 

XX/XX/XXXX : My accounts were unexpectedly frozen by Chase. 

XX/XX/XXXX : I received formal notification of the account freeze. At this time, I was in XXXX due to XXXX and unable to travel to the U.S. to address this issue directly due to travel and visa restrictions.Since my account was closed in XXXX, I have made numerous phone calls, during which Chase Bank representatives consistently informed me it was 'under review. ' In XXXX, I was told that I needed to come to the United States to resolve the issue, prompting me to apply for a visa. 

XX/XX/XXXX : After years of attempting to resolve the issue remotely through numerous phone calls, I visited a Chase branch in the U.S. once travel was feasible. I was initially informed that the funds would be released within XXXX days. 

XX/XX/XXXX : I was informed that the funds had been transferred to Chases Global Security and Investigations Department and that they would not be released due to " suspicious activities. '' Chase has withheld my funds totaling over {$30000.00} without providing a detailed or justifiable reason. This action was taken under the guise of the funds being involved in suspicious activities, though these were legitimate transactions among peers for everyday expenses like shopping and tuition. 
The bank has now stated that they intend to permanently seize these funds. 

I believe that the bank 's actions to permanently seize my funds without clear justification or adequate communication is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion, I am writing to address a matter of concern that has come to my attention upon reviewing my credit report. It has been noted that there is a XXXX XXXX entry reported on my file. I have serious reservations regarding the accuracy and completeness of this information, specifically related to a XXXX XXXX XXXX, Reference number : XXXX In accordance with the Fair Credit Reporting Act, I am requesting your agency to verify the authenticity and accuracy of the reported XXXX XXXX. It is imperative for me to understand the source of this information and the method through which it was acquired and subsequently reported on my credit file. Should you be able to verify this XXXX XXXX I kindly request that you provide me with the following information : 1. The name and contact details of the entity or individual who supplied you with this public record.

2. A detailed explanation of the process through which this information was verified and deemed accurate enough to be included in my credit report. 

From my understanding the courts do not report or furnish information to the credit reporting agencies and the integrity of the information reported on my credit file is of utmost importance to me. My personal financial health and maintaining the accuracy and reliability of my consumer credit reporting as a whole is my top priority. 

I appreciate your prompt and thorough attention to this request. Ensuring the accuracy of my credit report is crucial, and I trust that your agency will take the necessary steps to verify this XXXX record entry and provide me with the requested information. 

Thank you in advance for your cooperation and understanding in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX has fraudulently added an account to my credit report that is not mine, according to FCRA and consumer laws 15 USC 1681i the time to respond to my dispute has passed and it has defamed and damaged my credit.

This needs to be taken off of my credit report immediately. It is a fraudulent charge and 15 usc 1681 supports this statement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, I am writing to address a matter of concern that has come to my attention upon reviewing my credit report. It has been noted that there is a public record entry reported on my file. I have serious reservations regarding the accuracy and completeness of this information, specifically related to a XXXX XXXX bankruptcy Reference number : XXXX In accordance with the Fair Credit Reporting Act, I am requesting your agency to verify the authenticity and accuracy of the reported public record. It is imperative for me to understand the source of this information and the method through which it was acquired and subsequently reported on my credit file. 

Should you be able to verify this public record, I kindly request that you provide me with the following information : 1. The name and contact details of the entity or individual who supplied you with this public record.

2. A detailed explanation of the process through which this information was verified and deemed accurate enough to be included in my credit report. 

From my understanding, the courts do not report or furnish information to the credit reporting agencies. The integrity of the information reported on my credit file is of utmost importance, not only for my personal financial health but also for maintaining the accuracy and reliability of consumer credit reporting as a whole. 

I appreciate your prompt and thorough attention to this request. Ensuring the accuracy of my credit report is crucial, and I trust that your agency will take the necessary steps to verify this public record entry and provide me with the requested information. 

Thank you in advance for your cooperation and understanding in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have about XXXX hard inquires on my credit report from someone in XXXX using my information to try and buy a car. They are using my information as a co-applicant on the loans which have been denied. I need to get these off my credit report and let it be known that someone has my information in XXXX. I live in XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2024, I noticed an attempted & fraudulent withdrawal from my checking acct. at Truist bank. I called and was told that I had to go to the bank to close all XXXX of my accounts to assure no additional attempted fraudulent withdrawals. I did so. XXXX new accounts were established : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The funds for the first XXXX were successfully transitioned to the new accts. ( after XXXX days of waiting. The funds remaining in the original XXXX acct. and XXXX XXXX  acct. have NOT been transitioned to the new ones despite XXXX visits with bank manager, three phone calls to the bank manager and one e-mail to the bank manager. This XXXX I reached out to Truist 's Accounts Takeover dept. Their resolution was to kick this back to the bank manager and her regional manager. Something here is not right. I would appreciate any assistance which you can provide.

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 2024-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute unauthorized charges imposed on my mortgage escrow account by XXXX XXXX XXXXXXXX due to discrepancies related to wind policies. Below are the details of the issue : 1. Original Policy Terms : According to my original mortgage agreement, a wind policy was not required. Despite this, XXXX XXXX  XXXX applied a wind policy to my account on XX/XX/XXXX, for {$6100.00}. 

2. Duplicate Policy Charges : Two months later, on XX/XX/XXXX, another wind policy charge of {$5900.00} was added to my account. This is perplexing, as typical coverage for such policies spans 12 months. I have not received a satisfactory explanation for this additional charge. 

3. Existing Homeowner Policy : My homeowners insurance policy was actively renewed on XX/XX/XXXX, for {$4300.00}, ensuring there was no lapse in coverage. 

Actions Taken : I have previously contacted XXXX  XXXX to dispute these charges and requested an immediate resolution. Despite my efforts, the company has not provided an adequate explanation or correction. 

The sequence of these charges suggests a potential error or oversight by XXXX  XXXX. I seek your assistance in resolving this matter promptly and ensuring that such unauthorized charges are corrected and reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
on XX/XX/year> i submited a dispute to Credit Bureaus About XXXX XXXX Account an disputes has been under review status for almost 2 months which violates FCRA guidlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
on XX/XX/year> i submited a dispute to Credit Bureaus About XXXX XXXX Account an disputes has been under review status for almost 2 months which violates FCRA guidlines.

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 2024-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: King of Credit Financial, Inc
State: CA

Complaint narrative:
I requested the 1099C form as stated on my credit report the creditor has charge off the debt. The creditor is responsible for providing a paper copy of the IRS Form 1099-C to the Borrower ( copy B ) by XX/XX/XXXX of the year following the calendar year in which the cancellation of debt occurred. I have contacted them multiple times with no response. By law & According to the IRS, a charge-off is considered a loss, not income, and is not taxable income. However, if a debt is canceled, forgiven, or discharged, it becomes taxable income. If taxable, the canceled debt must be reported on the tax return for the year of the cancellation. The lender is usually required to report the amount of the canceled debt to the IRS and the debtor on a Form 1099-C, " Cancellation of Debt ''. This form should be used to prepare and file the income tax return. If the debt is taxable nonbusiness debt, it can be reported on Schedule 1 of Form 1040 as other income & im not able to do that as they are not in compliance with sending the 1099c form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: FL

Complaint narrative:
Equifqx and XXXX are both reporting illegally. XXXX XXXX XXXX is not my account but has been fraudulently added to my collections and derogatory marks. Resulting in illegal defaming and damage to my report and score. 
Consumer laws and FCRA 15 usc 1681 are to be affective immediately.

I ask for removal immediately or legal action will occur

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
CareCredit has determined that, unless I opt in to electronic statements, I will be charged {$1.00} every month for paper statements. This is a JUNK FEE and simply unacceptable. To ensure that I am forced into accepting electronic statements, they will not make electronic statements available to anyone who prefers paper statements. In other words, because I choose paper statements, I can not see my statements online. This is fine and should be enough. Now, to ensure that I am forced to accept only electronic statements, they have decided to rip me off. This is particularly problematic because CareCredit offers 0 % financing for XXXX months on purchases over {$200.00} - a feature I use regularly. I can avoid interest charges because I get my paper statement and can easily see when any balance needs to be paid off. This gambit of theirs will surely cause more of their customers to miss the deadline for payments without interest as statement notices get buried among the hundreds of emails their customers get every day- which means they will benefit not only from the fee but from all the deferred interest they will now be sure to gather. CareCredit should not be permitted to manipulate and gouge their customers in this way. I'm sure these fees will also hit the underprivileged and elderly hardest.

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 2024-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Hello and thank you for taking the time to help out I reached out to XXXX multiple times in XXXX and XXXX regarding my payment that processed out of my checking account yet XXXX said they never received the payment. 

I provided them the proof of payment that included the transnational ID and number and was promised they wouldve got back to me and never did The same issue occurred again and XXXX is now saying I can only process payments using a cashiers check? 

Thats unfair and suspicious as those funds can be used by anyone if lost and how inconvenient is it to get those and mail it out? Thats not cool.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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:
PLEASE BLOCKED AND REMOVED I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-05-18 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: IA

Complaint narrative:
I previously reviewed a copy of my credit report and found fraudulent accounts, please I need them deleted because it is hurting my ability to receive credit and this is against the fair credit law.

Company response to consumer: Closed with explanation