vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I was recently denied a dispute with Ally Financial. This account is part of a class action lawsuit that I am apart of, and I need this account removed immediately. This account has stopped me from getting a mortgage and other credit extensions. And they were in violation of the U.C.C. Code

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 2024-03-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I lack any information on this matter, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Collection Systems, Inc.
State: CO

Complaint narrative:
I have done everything in my power to communicate with the school the debt originated from to update contact info, they refused and different individuals repeatedly dropped the ball on updated my info during Covid. I left the state to travel for work in XXXX  systems and I tried calling to have them update my phone number and address and a personal email address. Nothing was updated and they sent the account to collections summer of 2021. So it had been about 6 months until they sent it out to a third party collections agency. I have tried paying and have been paying on this XXXX debt which is now up to XXXX dollars and I have offered to settle it and I have been repeatedly called during work hours when I have stated many times what forms and hours and days of communication works best for me. They continue to defy that knowledge and call during work hours and when I call back on my days off they do not answer now get back to me. I send countless emails since emails work best for me. XXXX XXXX XXXX XXXX XXXX XXXX I can not just simply answer my phone. Im a loss and Im ready to hire a lawyer. I told them I would do two lump sums and the school agreed to that. They agreed to XXXX and I told them to take out XXXX and they have not processed my payments nor gotten back to me regarding this. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2024 information was provided to Experian with back that a settlement had been reached and accepted by XXXX XXXX and XXXX. As of XX/XX/2024 Experian has failed to investigate the dispute accounts or update the balances. On XX/XX/2024 Experian sent me a notice that the investigation was complete????

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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Consistently, I've upheld timely payments on this account, preventing any instances of overdue payments. The origin of late payment remarks on my accounts remains unclear to me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

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.

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
I recently look at my credit file and noticed a Barclays bank account. I went through a divorce a few years back and it set me to go past due on a few accounts which I am not proud of. However, Barclays is reporting that the last time I made a payment was in XXXX but it was in XXXX. This is adversely affecting my credit and needs to be fixed so I can mediate the account with the bureaus as I have filed disputes with them as well.

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 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I filed my Taxes with XXXX XXXX. They gave me a temporary card where my taxes will be deposited to. I was giving a {$500.00} early tax money deposit as I wait a few weeks for the remaining of my taxes and a personalized card so as weeks went on checked for my card and never received a personalized card, so out of curiosity I checked the XXXX  app on XX/XX/2024 to see what was going on, to notice my {$2400.00} was deposited on XX/XX/2024 and my account missing all my money for that tax deposit I have never received a card till this day I filed a dispute with the company and just got a email saying Im at fault and there was no error and Im not getting my hard working text money back I have attached the fraud dispute forms they asked me to send to them with all the amounts XXXX {$400.00} XXXX {$300.00} XXXX {$300.00} XXXX {$500.00} XXXX {$400.00} XXXX {$340.00} XXXX {$4.00} XXXX {$78.00} XXXX {$6.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: GA

Complaint narrative:
I am writing to formally dispute a hard inquiry listed on my credit report that I believe to be unauthorized and I have no recollection of authorizing this inquiry.

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 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I was called XXXX XX/XX/24, by " XXXX " from XXXX claiming to be wells fargo and stated, " Had I applied for an account at XXXX, yesterday, with wells fargo ''? 

I said " no '', she continued to ask personal questions and had my email and cell number. 

I requested a call back number and case number, for me to reach back to her. she carried on about that she could out provide. and then hung up I attempted to call the number back, answer machine " XXXX 's not available. '' just wanted to document and ensure no issues arise

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 2024-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I keep getting calls for medical debt in the name of my XXXX daughter ( XXXX XXXX XXXX ) ; however, they told me I needed to pay this debt even though it was not mine. They threatened to destroy my credit, which I had been trying hard to build.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( b ). I did not give written permission to any of these companies to access my credit report. Please remove the following inquiries immediately : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank Visa card.fully paid each month. I calculated 12 months in year XXXX, three times. 
I couldn't believe it. The returned item credit and other credits that are shown on statement do not reduce the charges. When I complained and asked them to calculate 6 months statements with error. They refused to refund me {$1000.00}. 

I complained about this issue in year XXXX and XXXX and I was brushed off. This time the agent wrote me, it is interest. Not only it is fully paid automatically, but sometimes I submit full payment manually two weeks prior to due date. The interest charges on statement is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
Freedom Mortgage Company assumed servicing our mortgage on or about XX/XX/XXXX. Our condominium on XXXX XXXX, Florida was destroyed by XXXX XXXX on XX/XX/XXXX. As one of the many consequences of this disaster XXXX XXXX Florida reduced our property taxes. As a consequence, the amount I paid to the escrow account should have been reduced. I spoke with a Freedom Mortgage person on XX/XX/XXXX and informed him that my taxes would be more than halved and asked for the balance of the escrow property tax to be returned to me and to decreased my property tax escrow. I was told I needed to wait until the taxes were paid out of escrow. I uploaded the XXXX XXXX Notice of Proposed taxes to Freedom Mortgage on XX/XX/XXXX. When the final XXXX XXXX tax determination issued I contacted Freedom to get a refund of my money which I was told would happen in early XX/XX/XXXX. This was untrue as Freedom did not pay my XXXX XXXX taxes until late XXXX. When I called in XXXX, I was told I would not get a refund of {$11000.00} for one year unless we closed our escrow account. On XX/XX/XXXX I sent a certified return receipt letter to Freedom Mortgage closing our escrow account because of Freedom 's manifest incompetence. ( attached ) I informed Freedom I would make no more escrow payment. In XXXX, I paid principal and interest of {$1800.00}. Freedom falsely asserted my account was past due because they were still charging me for the escrow amounts. In XXXX, Freedom misapplied my {$1800.00} principal and interest to what they wrongly said was a past due past. But they took {$1300.00} of my money and applied it to an escrow account we no longer had. The remaining {$450.00} is held as unapplied funds. Freedom refuses to properly applied my XXXX payment. Freedom continues to lie and say our account is past due. In an act of petty theft, Freedom is charging us late fees. ( attached ) I have spend hours on the phone with Customer Service. I have spoken to supervisors and gone through numbers with them. In XXXX a supervisor acknowledged the error and said she would sort it out. She never did. In early XXXX I spoke with a supervisor ID XXXX who promised a call back. Of course, Freedom never called me back. Instead Freedom sends out letters in which Freedom lies and says I have two past due payments and they they can not contact me. I am a XXXX XXXX XXXX XXXX and this is the most incompetent, dishonest mortgage company I have ever encountered. They employees have lied to me in every single communication they have had with me. They behave as a criminal organization. Their practices should be investigated.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts/inquiries in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts/inquiries are unknown to me. Also, the information you provided on some accounts/inquiries are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts/inquiries are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnaccurate Addresses : 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  ; ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Accounts : 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  ; INQUIRIES : XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, CCR Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, CERTIFIED CREDIT REPOR Inquiry Date XX/XX/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 2024-03-12 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: WA

Complaint narrative:
In XX/XX/XXXX I became aware of a Capital One credit card opened in my name back in XXXX. I contacted Capital One in XX/XX/XXXX regarding the account. They responded there was not an error and the card was still mine. I tried to get the personal information ( email, phone, etc ) they had on me to confirm it was not mine but they refuse to give me the information they have so I have no way to prove the card does not belong to me and they can not prove to me why they believe it is my account. I again contacted Capital One in XX/XX/XXXX after I was threatened to be turned over to collections. They still won't work with me, but insist it's my card. I did manage to get monthly statements from them. What I found are a few charges to fuel stations, XXXX, XXXX, and a fast food place. There are also A LOT of over the limit or late fees charged - XXXX XXXX XXXX worth! I am at a loss in how to prove to Capital One that this card was opened without my knowledge, I do not have a card with them, and I want this resolved and cleared from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: GA

Complaint narrative:
I am writing to formally dispute a hard inquiry listed on my credit report that I believe to be unauthorized and I have no recollection of authorizing this inquiry.

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 2024-03-12 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: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account Name : 1st Franklin Financial Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
PayPal has called me back to back 6 times while XXXX at XXXX with my father. They call me from different numbers back to back, over and over!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-12 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: NC

Complaint narrative:
I was a victim of identity theft in 2017 my car was broken into my wallet was stolen along with some of my personal items.

Company response to consumer: Closed with non-monetary relief