vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX my wife legitimately withdrew funds at an ATM in XXXX XXXX for an amount of {$400.00} plus {$3.00} atm fee. She was there for several more days and did not make any more withdrawals at any ATM machines and had her card with her the entire time, never lost it or loaned it to anyone. Two days later when checking the account, I noticed that another ATM withdrawal was made that same day for {$500.00} and the following day two more were made for {$500.00} and {$400.00} plus 5 small charges for {$2.00} each for balance inquiry and withdrawal fees. I contacted the bank immediately to notify them that fraudulent charges had been made on the account, so they proceeded to cancel the card and issue her a new one and opened an investigation on the charges. They did refund the money temporarily while the investigation took place. On XX/XX/XXXX they sent me a notice saying the claim was closed and could not be refunded because they deemed that the card was used by her or by someone whom she authorized its use. I called and tried to get answers on how they had come to that conclusion and all they would say was the chip had been read and the correct PIN had been used. I told them that it sounded to me like someone had cloned her card. I asked them to get the video or pictures of the person who made those transactions to prove it was not her. All they did was reopen the investigation for several hours after which I got the same message twice denying the claim. I could not get anyone to have them review the video or pics from the ATM. The only information I have is a name of a vender and a location address. the first one at XX/XX/XXXX was at XXXX XXXX XXXX XXXX XXXX. which may have been near the one she actually used at XXXX XXXX XXXX XXXX XXXX XXXX. The withdrawals and balance inquiries on XX/XX/XXXX were also made at XXXX XXXX XXXX XXXX XXXX. Also there were charges for balance inquiries when she does not need to do since she has online access to review her balance. 
This complaint is because they did not do a full and thorough investigation of the fraud and get the video pictures to prove that it was not my wife that made the withdrawals.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
When I log in to my Experian account, I am immediately presented with a {$0.00} ( free ) bill in order to upgrade and continue to my account page. One could easily mistake this for a free upgrade, but paying the {$0.00} bill actually triggers the start of a 1 week trial after what they automatically charge $ XXXX. This information is buried in the fine print and can be easily missed. Over time, this interstitial has become more and more obfuscated, and I wouldn't be surprised if a lot of users accidentally sign up for membership due to this. I am also receiving multiple emails a day from Experian to which I can not unsubscribe easily ( as they claim it's not marketing material )..

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 2023-08-30 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: FL

Complaint narrative:
I DO NOT RECOGNIZE THESE COMPANIES THAT ARE ON MY CREDIT REPORT, THIS IS CONSIDER IDENTITY THEFT IF I DID NOT GIVE CONSENT TO USE MY PERSONAL INFO.

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 2023-08-30 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: FL

Complaint narrative:
I DO NOT RECOGNIZE THESE COMPANIES THAT ARE ON MY CREDIT REPORT, THIS IS CONSIDER IDENTITY THEFT IF I DID NOT GIVE CONSENT TO USE MY PERSONAL INFO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: GA

Complaint narrative:
The company is reporting credit inquiry information on my credit report without my written consent. My written consent is always required before my non public personal information is shared by any person other than me. 

I have never provided the company with any consent or implied consent to report such information. I contacted the company and the agents refused to provide me with proof of permissible purpose and written consent from me. The company refused to provide the information requested. It is clear that the company is negligent and willfully violating permissible purposes of consumer reports under the Consumer Credit Protection Act. 

The excessive inquiry information has ruined my credit standing and caused privacy issues which is causing me emotional distress. 

The inquires are listed as follows : XXXXXXXX XXXX Inquired on 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 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 2023-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Please review complaint # XXXX. Nationstar/Mr. Cooper responded to this complaint with documents emailed to me and your office. Their XXXX letter states a request to remove negative reports for XXXX through XXXX XXXX  was submitted XXXX, inferring they contacted 4 credit bureaus by including bureau contact info. A 2nd letter XXXXXXXX  disclosed that their processing error triggered the autopay draft to be rejected, causing the missed XXXX pymt. 

In follow-up calls to the credit bureaus, I discovered Nationstar misrepresented sending letters of correction on XXXX. I can not believe, after all the disputes and complaints I filed, they represented it had been taken care of, then had the audacity to report the delinquency as accurate or not send the correction notice to 3 of the 4 bureaus! 

1 : XXXX : XXXX XXXX stated theyve had NO contact from Nationstar since the original over-30-day delinquent report for XXXX ( shouldve been XXXX ) ; I filed a dispute by phone. I had not previously filed a dispute with XXXX, as I did not know of this bureau until I got Nationstars letter. 

2 : XXXX : XXXX did not receive a letter correcting XXXX, XXXX, or XXXX XXXX negative reports. Supervisor XXXX confirmed they received a digital notice XX/XX/XXXX verifying there was no pymt history for XXXX and it was over 30 days late. Previously they received an over-30-day delinquency report XX/XX/XXXX for the XXXX pymt, and the account was reported closed on XXXX XXXX. There were no other notices between XXXX and XXXX. I filed an additional dispute by phone against the new & old delinquency reports and will mail copies of Nationstars letters per XXXX request. 

3 : XXXX : XXXX XXXX advised the dispute was completed XXXX ; only XXXX had been reported delinquent, which was removed. They will send a letter XX/XX/XXXX when the update posts to my acct, after which I can obtain a new credit report. 

4 : XXXX : XXXX XXXX stated there was a recent report from Nationstar, unknown date ( stated the report date/content are not available to reps ). Currently it shows the XXXX pymt as >30 days late, no others. Previously it showed XXXX, then XXXX, later XXXX, as two 30-day-late payments. XXXX and XXXX have been removed, but not XXXX ; the request to remove negative reports is incomplete. 

Please investigate why Nationstar misrepresented sending letters of correction! After 5 months arguing over their processing error, they are still punitively misreporting!!! 

I am forwarding copies of the two letters from Nationstar to all 4 credit bureaus, since Nationstar is too inept to handle their responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: CA

Complaint narrative:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX  and XXXX XXXX XXXX Please remove these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: NC

Complaint narrative:
Since filing my last complaint against XXXX XXXX which was allowing a person too retrieve a loan under my credentials and one of my credit and my good name since then I have a litigation attorney dealing with it and we sent dispute letters to all three credit reporting agencies they fixed some of the things but they have a whole lot of inaccurate items that there phone on my credit report even after I sent the dispute letters and had items that wouldn't fix and corrected causing me to not to obtain credit and financial hardship because I can't get obtain my credit report and there are still a lot of hard inquiries and soft showing even after I sent and dispute letters for my attorney I really ask that all three credit reporting agencies fix all those inaccurate things and compensate me for all the struggle because I can't obtain the credit because of these things I ask that they fix these things immediately before I become homeless because I really need to apply for credit on my own so I can come stable again and regain my good name these agencies are TransUnion XXXX and 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 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
My credit had negative and late payments reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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  XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-30 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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  XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$35000.00}.

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 2023-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I was notified by a company regarding an alleged debt. I have reason to believe I do not owe this debt because I didnt give written permission to have these accounts furnished on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: CA

Complaint narrative:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2023-08-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report is showing late payments on the accounts listed below. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. 

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 2023-08-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Adjustment Company Incorporated
State: MI

Complaint narrative:
Company refuses to take fraudulent information down and has been harassing me with nonstop phone calls after already agreeing to remove fraudulent information. Legal action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: Chime Financial Inc
State: SC

Complaint narrative:
I caught a ride to the store and left my card by accident and someone got access to it and spent almost XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 non-monetary relief