vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 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: TN

Complaint narrative:
I have contacted the Credit Bureaus/Agencies XXXX XXXX XXXX TransUnion, XXXX ) and the Creditor ( Bankruptcy Chapter XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the bankruptcy is fraudulent and that I'm a victim of identity theft. In return to tell me that this bankruptcy was verified and/or belonged to me via XXXX or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted 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 explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: AL

Complaint narrative:
CREDIT BUREAU ASSOCIATES located at XXXX XXXX XXXX, XXXX, GA XXXX has never sent me a notice, but has reported a past due balance in the amount of {$750.00} I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a group of invalid transactions for which the merchant owed me full refund. Capitalone recovered these amounts through the XXXX Dispute process, and the disputes have been fully resolved as of XX/XX/2021. After the credits were fully resolved, my account had a credit balance of XXXX. On XX/XX/2021 the credit balance was zeroed from my account to be mailed back for the credit balance refund. This refund was never received and was placed in some uncollected funds account pending for approval to assure the dispute cases were fully expired. This has been pending since for 9 months, and still as of today the my credit balance refund has not been received. 
- I previously filed a complaint about this under Capital One XXXX : XXXX - CFPB Case : XXXX. I received a reply on XX/XX/2021 stating : - We understand that you would like a credit balance refund. However, the funds are still under investigation. At this time, there is not a time limit on how long the funds will be held. Once the investigation is complete and the hold has been released, we will contact you. 
- Since XX/XX/XXXX, 2 additional months have passed without resolution. 
- Respectfully, I would think that within these 2 months you should have long completed the review. I do not believe you have any legal right or justification to continue withholding my funds. You have left me now without recourse because the merchant has been chargedback and you are holding the credits for all this time. This is unfair and needs to be resolved without any further delay. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Credit was ran without my knowledge or consent.

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 2021-10-08 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: WI

Complaint narrative:
Credit was ran without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL 3 CREDIT AGENCIES CONTINUE TO VIOLATE " FCRA '' SECTIONS 604,605A, 605B, 607, 611, 623A... WITH REPORTING OUTDATED SINCE 2014 INCORRECT " PACER '' DATA OF PUBLIC RECORDS NOT MY ACCOUNT AND NEVER HAD ANY CH XXXX  BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/2020 an derogatory account was reported for the amount of {$21.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I spoke with MR.COOPER ( my current mortgage lender ) on XXXX regarding their current home refinance rates. I notified the individual on the phone that I was already working with another lender for a refinance, and I was just looking to hear from MR. COOPER about what they could offer. The individual on the phone asked me some questions about home value and income, but presumably already had my SSN and other information about me because they're my current lender. I became extremely uncomfortable when XXXX XXXX ( the agent on the phone ) asked me to sign something that she had just sent over via email. I told her that I was merely looking for what rates they had ; not to fill anything out. I ended the call. She called me back repeatedly, but I was not interested and not comfortable with speaking with her any more. Then, on XXXX, MR COOPER pulled my credit for a hard inquiry for a mortgage, to which I never consented. In addition, they damaged my credit score, causing it to decline by a few points, which is now an issue for the loan that I have in underwriting. I at no time gave consent or filled out an application. I have received emails from MR. COOPER during the week of XXXX about signing loan disclosures. I did not apply for a loan, and my credit was pulled without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: LEXISNEXIS
State: TN

Complaint narrative:
I have contacted the Credit Bureaus/Agencies XXXX XXXX XXXX XXXX, LexisNexis ) and the Creditor ( Bankruptcy Chapter 13 ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the bankruptcy is fraudulent and that I'm a victim of identity theft. In return to tell me that this bankruptcy was verified and/or belonged to me via LexisNexis or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
My credit was ran without my knowledge or consent.

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 2021-10-08 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: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

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 2021-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Did not authorize my credit being pulled. They did it without my knowledge.

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 2021-10-08 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: WI

Complaint narrative:
Did not authorize my credit being pulled. They did it without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I Have serval item on on my credit report that was fraudulent open and i did everything in my power to get these items removed and i been giving a hard time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/2020 an derogatory account was reported for the amount of {$21.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ) .I am in desperate need of this account being removed.

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 2021-10-08 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: Progrexion Holdings, Inc.
State: OH

Complaint narrative:
In XXXX of 2021 someone filed a fraudulant claim with Ohio Unemployment. There was also two charges on my checking account to The XXXX XXXX XXXX. I have already resolved that issue with my bank. I retrieved my credit report and there were a few soft inquiries in XXXX that I did not request. One was Progrexion and another one was XXXX in XXXX, Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report XXXX, XXXX, Equifax60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal is reporting fraudulent accounts that are not mine on my report. I filed a dispute in XXXX to all 3 credit Bureaus and everyone of the bureaus removed the 2 Navy Federal accounts from my report. It was off my report for 5 months from XX/XX/2019- XX/XX/2019 and in XX/XX/2019 XXXX put the both the Navy Federal accounts back on my credit report. I have tried to dispute this these accounts on my report for the pass 2 years and XXXX will not removed the accounts saying that the creditor verified the debit, they can not verify the debit 5 months later. It is against the law for Navy Federal to not respond within 30 days and then 5 months later after the accounts were removed to put the accounts back on my report. I have provided documentation that this was a fraudulent accounts because I was a victim of fraud and had to close my bank account because of it. Please have XXXX remove Navy Federal accounts from my credit report. 

Also there is a collection that XXXX XXXX has reporting XXXX that needs to be removed from my account because I have settled all debts with them. 

Also XXXX is reporting to all 3 credit bureaus that I was late on my credit card payment and my personal loan. I had XXXX and was told that I shouldn't be penalized for having XXXX and XXXX will remove these late statues from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rate Rabbit, Inc.
State: MA

Complaint narrative:
I initiated a mortgage refinance application with Rate Rabbit but was unable to proceed due to personal reason. The Rate Rabbit charged me with a {$180.00} appraisal cancellation fee ; however, this charge was never disclosed to me during the entire process, and was not something disclosed or agreed upon.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I Have serval item on on my credit report that was fraudulent open and i did everything in my power to get these items removed and i been giving a hard time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I Have serval item on on my credit report that was fraudulent open and i did everything in my power to get these items removed and i been giving a hard time

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 2021-10-08 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: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
Credit was ran without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I opened up an account with navy federal Credit Union late XX/XX/2021. I received my debit card today ( XX/XX/2021 ). I was unable to activate and log into my account online. I contacted customer service and the representative told me a restriction was placed on my account because of information received by XXXX XXXX XXXX. I was advised to contact XXXX XXXX XXXX. Upon calling, I was instructed to order a consumer report. I called Navy Federal back and was treated with the rudest service. I asked the CSR to close my account and refund me the money I used to open the account. The CSR stated I would need to speak with the security department and advised of a 1 hour hold time. I asked her for the email or direct phone number because a 1 hour hold time is too long. She refused to provide me with further info. I am requesting that Navy Federal close my checking/savings account and issue me my initial opening deposit.

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 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I received an email from Experian stating that I have placed an " Extended Fraud Victim Alert ''. I have never authorized this to be placed on my report. I spoke with a representative named XXXX from Experian on XX/XX/2021 at XXXX PST to inquire about this fraud alert. I stated I never authorized this action and he said " it didn't matter because there is nothing I can do ''. He told me that I would have to mail them documents and prove myself in order to lift this Fraud Alert. He did not provide information as to when I requested this alert or the process taken to make this happen. This constitutes aggressive Identity Theft on the part of Experian. They are unwilling to fix an issue that they created. I have been attempting to fix many violations and this is an additional one. It is becoming a clear pattern of harassment on the part of Experian for violating my rights. Pursuant to 15 USC 1681b ( a ) ( 2 ), I have never given Experian written permission to place a " Extended Fraud Victim Alert '' or furnish " XXXX XXXX XXXX XXXX '' onto 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 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I purchased a home in XXXX for and paid 21 % of the purchase price, which is above the required escrowed amount. At the time, I was told that it could be removed at anytime since I had over 20 % down payment. In XX/XX/XXXX, my mortgage was sold to MR. COOPER and since then I have requested three times to have the escrow removed. They refused to remove me from escrow. They also claim I need to have 5 years of payments in good standing, or at least 20 % down on my original mortgage, NOT the purchase price of my home. But no worries, for me to get our of escrow, they are going save the day by offering to refinance my mortgage with them. This of course would allow me to get out of escrow. Oh, how convenient for them, and also unethical. Thus, I reached out to a third party mortgage agent, who confirmed that this is UNTRUE and never heard of such a situation relative to my issue. Additionally, she also relayed that several mortgage companies confirmed with her that have cut relationships with MR COOPER due to unethical business practices. WHEN I refinance, it will not be with MR COOPER. DON'T DO BUSINESS WITH THESE UNETHICAL PEOPLE, THEY NEED TO BE INVESTIGATED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report XXXX, XXXX, And equifax days ago .I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: FL

Complaint narrative:
I want a account thats been fraudulent open remove

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 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
They have been after me for years. Repeated calls, throughout the day, at all hours. They have sued me in small claims court. They have attached my wages. Since I changed jobs, they are back to harassing me on the phone.

Company response to consumer: Closed with non-monetary relief