vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-05-22 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: NJ

Complaint narrative:
I have provided supporting documents and request that you investigate the matter promptly.

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 2023-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER HOLDINGS USA, INC.
State: VT

Complaint narrative:
Last year, Santander Bank failed to pay my taxes from escrow. After going through that experience, with the assistance of the CFPB, they sent me a letter from their Executive Office saying this would not happen again and the CFPB complaint was closed. 

This year, the same thing happened. They did not pay from escrow, I received penalties and interest from the Town of XXXX, and had to pay the taxes from my own funds. 

I faxed the receipt from the Town of XXXX on XX/XX/XXXX to Santander. I have the cover letter and receipt, which I sent to Santander. I am submitting that information as an attachment to my complaint.

Santander has still not refunded my escrow for the tax that I already paid.

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 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Opened a Truist account online on XX/XX/XXXX, deposited money, got XXXX emails over the next few days everything was fine. Card was shipped, etc. Then I tried to check my balance on XX/XX/XXXX and was told it was shut down and I had to go to the bank. Went into the branch on XX/XX/XXXX spoke to XXXX and they verified my ID because it said that's what was needed. Then she saw it was closed for fraud, so she called the fraud department, they said they would get back on Monday. She called me today XX/XX/XXXX and told me to call the fraud department. I called them and they said I had to go to the branch, so I am back here now and they refuse to reopen the account because they cite fraud but they refuse to tell me how or what kind. I assumed it was because of my full legal name change last year, because that's what I was told by XXXX and that I'd need to verify myself at the bank. Except at the bank they say that's not the issue. Unbelievable they didn't try to verify my identification if they saw XXXX different names connected to my social security card. It's not fraud on my part but it would seem that way on theirs. I want this bank to apologize and give me a valid reason as to why they can't leave my account open.

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 2023-05-22 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: NJ

Complaint narrative:
According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2023-05-22 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Commonwealth Financial Systems, Inc.
State: NC

Complaint narrative:
XXXX garnished wages and shared personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-05-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Inaccurate, incomplete and erroneous information reported in my consumer report. Would like deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: NJ

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have auto payment set up for Capital One. This payment was set up on XXXX. I was unaware, nor did I receive notification that it was short {$1.00}. I received a past due fee for {$45.00}. I tried to get a courtesy refund. It was denied. This is a violation of UDAAP act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have had XXXX debt collections on my credit report for XXXX XXXX, XXXX on XXXX, XXXX and Transunion. I have disputed them multiple times with XXXX and Transunion explaining to them there is errors and I am unaware of the account. XXXX and Transunion refuse to update the information and remove them from my credit report when it has been found that the collection in fact is an error by XXXX. XXXX found the error and removed it from my credit report but XXXX and Transunion have not. It is reported that is mine but not giving me the information that proves this is my account. The statement I am being sent is not valid information on what was done to investigate it or show how it is mine account. XXXX and Transunion has failed to follow correct procedures with the law on providing me the correct information.

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 2023-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: GA

Complaint narrative:
I have received several letters from USCB America regarding a medical debt that was incurred by my adult stepson. He is currently XXXX XXXX XXXX and was XXXX at the time the bill was incurred. I received another letter from USCB last week and I called today, XX/XX/2023 and explained again that this is not my debt. The representative told me that I still owed the debt because he is on my health insurance. I told her that I did not sign anything guaranteeing this medical debt. I was not even at the hospital when my stepson was admitted. The representative told me that I am still responsible for the debt. I told her that I know that I am not responsible and I asked to dispute the debt again. I have already disputed the debt with them two other times. But they keep pursuing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX is showing inaccurate information the balance is incorrect and also still showing Disputed multi times with XXXX and they stated its accurate i attached info showing my balance and that whats reporting and how is incorrect i asked for this to be Deleted from my 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 explanation
Consumer complaint received 2023-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Treatment of inaccurate or unverifiable information. 
( A ) In general. -If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete of can not be verified, the consumer Dates are Invalid amount is invalid address is invalid Balance updated is invalid For these two accounts that are hurting my credit I will also contact my lawyer

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 2023-05-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Treatment of inaccurate or unverifiable information. 
( A ) In general. -If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete of can not be verified, the consumer Dates are Invalid amount is invalid address is invalid Balance updated is invalid For these two accounts that are hurting my credit I will also contact my lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: IL

Complaint narrative:
I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the acc

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 2023-05-22 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: IL

Complaint narrative:
Please remove the account as this is not mine.

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 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: IL

Complaint narrative:
On XX/XX/ I received a loan with Title Max in Missouri. I just realized the interest rate is at 176 % and that was not pointed out to me when I took the loan. Now Im struggling to pay the monthly loan amount of {$500.00} a month. I contacted the company and they didnt offer any assistance. Title Max told me if you dont pay, we will repossess your car the very next day after due date. I need help!. Ive paid them a total of {$4100.00} since I got the loan. The loan was for {$3200.00}, so Ive paid way over what I loaned and they dont want to offer any help. I would like my title back due to extremely high interest rate of 176 % and Ive paid off what I was loaned!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX is showing inaccurate information the balance is incorrect and also still showing Disputed multi times with XXXX  and they stated its accurate i attached info showing my balance and that whats reporting and how is incorrect i asked for this to be Deleted from my 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 explanation
Consumer complaint received 2023-05-22 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: NY

Complaint narrative:
The following inquiries i didnt authorize below : XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX DATE : XX/XX/XXXX -XXXX XXXX XXXX DATE : XX/XX/XXXX -XXXX XXXX XXXX DATE : XX/XX/XXXX -XXXX 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 2023-05-22 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: NY

Complaint narrative:
The following inquiries i didnt authorize below : XXXXXXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX DATE : XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX DATE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: NJ

Complaint narrative:
I placed a Complain ( # XXXX ) it came back as resolved??? 
There are many questions. 
1st Question : Hunter Warfield is indicating that " Interest is accruing at the legal interest rate on the account ''? I can not find that information on the Lease anywhere. Also what is the Legal Interest Rate? How much is that? where does that come from? 

2nd Question : Water was inside the walls. Sheetrock can be Dry but Mold can grow inside ( Smell is very distinctive ) XXXX XXXX promised that they will get a " Professional '' company to make a full report. I am still waiting for the official report. 
XXXX  show moisture meter which shows up to 12 % + of moisture ( 16 % is high moisture in walls ) I am still looking for the report that XXXX  promised when I spoke with them. ( I did contact them about mold ) I told XXXX  if they get me a professional report ( From certified Company ) indicating that there are no Mold inside the walls and under the cabinets I will pay the charges. 
Also location of the Moisture reading done by? is not indicated anywhere. 
How about under the cabinets ( There was 2 '' of water sitting in the kitchen / Living room area ) CFPB automatically accepting explanations without actual proofs from Hunter Warfield Inc. is not acceptable and I like CFPB to reopen this file. 
Hunter Warfield could have cost me Thousands in higher interest and I would like them to remove this charge immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
Title Max is in violating of Military Lending Act, Missouri statues, and predatory loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-22 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: MD

Complaint narrative:
Filed an FTC on XX/XX/2021 and nothing was done by the companies

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