vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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: KY

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists According to 15 US Code 168c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. You are using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: MI

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I'm going through a hardship right now due to being laid off of work. I explained to Mountain America Creidit Union that I was going through a hardship. They placed an extention on my account to miss a month and extend the payment due for 30 days and if I needed more time, to communicate with them. I paid after the extention, the regular car payment. I was falling behind again on the current payments because I just got another job and wasn't going to be getting paid until another 2 weeks. I was sent an email XX/XX/2023 to call Mountain America as soon as possible. I talked to a rep from the bank and told her that I wasn't going to be getting paid until 2 weeks. She said " Ok thank you for letting us know, I'll make a note that your going to be paying in 2 weeks due to getting a new job and having a new payday. '' I also was not told that she was a Senior collector, so I was under the impression that she was a loan officer. She said " we just want to check in to make sure everything is going ok and thank you for updating us. '' She did not tell me that they were going to automatically take out the full payment from my account the next day for XXXX. I had checks pending for utility bills that I had already made arrangments with. Those checks bounced and the bank charged me XXXX non sufficient funds fees XXXX each and my utilities got shut off. If I was told on the phone call with the XXXX  collector that the money was going to be taken out automatically the next day on XX/XX/2023, I would have changed the arrangement made with the utility companies. It was misleading for the XXXX  collector to tell me " thank you for letting us know, I'll make a note of that '' because I was under the impression, the note she was making was an agreement for me to pay in XXXX weeks. I called the bank and was told if the account goes 45 days late the bank takes out the money automatically. I explained to them that an extension was put on the account due to my hardship and the extension was for 30 days and should not be added into the 45 day count down for automatic deduction from my account. I was told " sorry we can't help you ''. I don't think it was fair for the bank to make a hardship agreement with me but penalize me when I was still curently in the hardship and not explain to me thoroughly what the terms were of the XXXX extension on my account. It was also not fair for them to charge NSF fees twice for money they took out automatically without my authorization or even a notification to let me know it would be deducted from my account. I would have been aware and would have stopped the arrangement with the utilities company who at the time was willing to work with me. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: NC

Complaint narrative:
There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXXXXXX XX/XX/2023 ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: MI

Complaint narrative:
Someone stole my identity end of XX/XX/2023 and opened or applied for various credit cards, bank accounts, loans, credit, etc. I have no further information other than I put a freeze on my credit after receiving denials from XXXX creditors in the mail stating they couldn't verify my identity. This one from XXXX XXXX or XXXX is one that I've actually received collection for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I tried to contact creditors 6 months ago and no response. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I tried to contact creditors 6 months ago and no response. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
When to the bank to withdraw money but only XXXX cents wasn't in my account I call immediately to dispute three unauthorized transactions where on my card on two on XX/XX/23 for XXXX $ and XXXX $ and another one on XX/XX/23 for XXXX $ after the call i got message 21 days later saying that there was not enough evidence to prove my case so I sent a police report and thru email because no one is available on phone which is shady also ask what other evidence can I provide to prove my case got the same generic email I'm convinced this company is a scam comdata fintwist this is hard for me because a total of XXXX $ dollars was taken of my card and the company who job it is to protect it wont help get it back even though I the under 21 day which states im am covered by there zero protection policy this is not right please help

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 2023-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
To whom it may concern, Carrington Mortgage acquired my VA home loan from XXXX XXXX on or about XXXX of XXXX. Since Carrington acquired my mortgage, they have increased my payment by XXXX percent. I have diligently attempted to work with customer service and the Escrow Department since XXXX of XXXX, in an attempt to remedy the predatory lending practices that have burdened me with a high monthly mortgage payment. Due to customer service failing to rectify my loan discrepancies I have suffered a financial hardship and loss of great credit standing with XXXX, XXXX, and XXXX. Specifically, Carrington Mortgage is reporting my loan payment to all three credit bureaus inaccurately in the amount of XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( {$2500.00} ) ; my actual monthly loan amount is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( {$1000.00} ) ; see Fixed Rate mortgage note attached. Additionally, customer service has failed to update my file to reflect my tax exemption status and remove my account out of an escrow status, whereas my property insurance is directly paid by me. On XX/XX/XXXX, Carrington Mortgage arbitrarily paid an annual premium to ( {$8.00}, XXXX ) to XXXX XXXX  from my Escrow Account ( depleting my escrow reserve ) without my consent, which in turn changed my homeowner insurance to a non-escrowed/directly billed account ). See Proof of Homeowner Insurance. Consequentially, due to their negligence or oversight, their mistake has caused my account to go into a negative escrow which raised my monthly payment significantly. Furthermore, Carrington mortgage is not paying my insurance premium monthly, whereas the annual premium has been paid thru XX/XX/XXXX, but Carrington Mortgage is still charging me monthly. 

Therefore, I am requesting the following remedies for my pain and suffering : 1. Carrington Mortgage contact all three credit bureaus and remove all negative delinquencies and update my account as paid on time ; 2. Carrington Mortgage waive all late fees from XX/XX/XXXX through XX/XX/XXXXXXXX  and issue a credit to my account ; 3. Carrington Mortgage update the payee portal on your website to reflect my accurate monthly mortgage amount ( {$1.00}, XXXX ) ; 4. Carrington Mortgage contact all three credit bureaus and report my monthly payment accurately in the amount of ( {$1.00}, XXXX ) ; and 5. Carrington Mortgage in good faith provide me with a XXXX  ( XXXX ) month payment exemption ( settlement amount {$16.00}, XXXX ) for my pain and suffering. 

If you have any questions, please call me at ( XXXX ) XXXX or email : XXXX. I have attached the following evidence for your review :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX, and Experian. 

Personal information Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ CREDIT LIMIT $ XXXX PAST DUE 30 DAYS, REMOVE DOUBLE ACCOUNT ( # XXXX ) REMOVE ACCOUNT PREVIOUSLY DISPUTED COMMENTS AND CLOSE DISPUTE XXXX XXXX XXXX  Account number XXXX Last Payment date XX/XX/XXXX Delete continues double print XXXX XXXX XXXX  Account number XXXX Last Payment date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX balance {$32.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$260.00} closed 1 month term ( Double print ) ( please remove ) XXXX XXXX XXXX  Account number XXXX balance {$260.00} closed 1 month term PLEASE REMOVE INQUIRIES UNAUTHORIZED INQUIRIES Unauthorized & shopped around auto inquiry - XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, MI XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My car was stolen on XX/XX/XXXX. It was recovered on XX/XX/XXXX. My car was totaled. Insurance deemed it a total loss. I used capital one to refinance this car in XX/XX/XXXX, at that time I had to submit title paperwork etc. My insurance has been waiting to send the total payout, but come to find out capital one never perfected the loan last year during my refinance. This has caused extra amounts building against my loan. The filter is still not perfected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: TN

Complaint narrative:
This is a debt from professional debt med they are constantly reporting on my credit report and I dont know who they are and what they are looking for. I DID NOT GIVE THE PERMISSION TO REPORT ANYTHING ON MY CREDIT REPORT. 
The amount reporting is {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
on XX/XX/2023 XXXX removed an inquiry ( XXXX XXXX ) because they could not find any evidence that this inquiry belongs to me and because XXXX XXXX did not respond to my dispute in a timely matter. I sent a letter to Equifax that they received on XX/XX/2023 asking them to remove the inquiry because according to the FCRA since XXXX removed it they must remove it as well. Equifax claims that their investigation shows that the inquiry is factual. This is FALSE. Equifax has failed to do a proper investigation and is violation of my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I was scam on cash app with a payment i made XXXX XXXXXXXX {$10.00} i reported this to cash app for scam against this person. And i paid him and he never gave what he promised I contact cashapp support and they denied to provide me a refund for this payment or to filled a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2023 I received a debit card from Chime.com, a fintech company. I do not know who they are. I figured out that they or someone had opened a checking and savings account in my name. I have been contacting them to close the accounts and remove my info from their system and they refuse to do so. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: Synovus Bank
State: IL

Complaint narrative:
XXXX5 U.S.Code S 1681 2 A Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX was stolen and hacked with Discover credit card loaded to XXXX wallet XXXX Late Morning : Authorized user ( mother ) notified of declined purchase at XXXX. Immediately called Discover to report fraud and file dispute. 
XX/XX/XXXX : Notified dispute was not accepted despite taking immediate action against fraud and called Discover support to which they justified their investigation through verification of card payment through phone number of stolen phone. Reappeal process has been filed but want to let CFPB know that Discover is trying to hold me liable for unauthorized fraudulent transactions

Company response to consumer: Closed with explanation