vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
On XX/XX/XXXX I received an alert on my credit monitoring services. It states that my credit had been pulled for an auto loan. I had not authorized any XXXX or did a credit inquiry to purchase no vehicle. I called and was told to call my credit bureaus. As I called transunion they refused to remove inaccurate and erroneous information. I stated to XXXX XXXX that I have been dealing with a stolen identity since XXXX and that I have been a victim of identity theft. I advised I could provide a copy of my police report from XXXX and they refused to remove this fraud activity done on my credit report. 

The fraudulent inquiry is below 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 2024-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have ask the 3 credit report agencies to delet these to accounts since I have no proof of original source or ever entering in contract with them XXXX XXXX XXXX {$450.00} Open balance XXXX XXXX XXXX {$440.00} Open balance I have asked 5 times to send proof of the original source or contract that enter with these two companies all investigations claim its correct but fail to give me any proof

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 2024-02-09 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 have ask the 3 credit report agencies to delet these to accounts since I have no proof of original source or ever entering in contract with them XXXX XXXX XXXX {$450.00} Open balance XXXX XXXX XXXX {$440.00} Open balance I have asked 5 times to send proof of the original source or contract that enter with these two companies all investigations claim its correct but fail to give me any proof

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 2024-02-09 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I made a purchase on the internet website that later turned out to be a fraudulent site. It was a purchase for some bags and the bags were never delivered to me, so I proceeded to dispute the charge of {$75.00} which I made on XX/XX/2023 from a merchant called XXXX but the website was called XXXX  Prior to submitting a dispute with the Barclays Bank I tried to resolve it with the merchant via emails, which never went anywhere and the issue was never resolved. I submitted all the proof of correspondence between me and the merchant including images from the site that it doesn't even exist anymore, yet the Barclays Bank sited with this fraudulent merchant instead me the consumer and failed to protect me from internet scams. I am asking for your assistance and resolving this issue with the bank, that failed to protect me.

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 2024-02-09 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
TRUIST BANK fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). TRUIST BANK is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-09 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: Self Financial Inc.
State: NY

Complaint narrative:
SBNASELFLNDR, placed a late payment on my credit report. According to the FCRA, specifically 15 USC 1666B There is no law that states a transaction should be reported and it violated privacy and consent laws I would like this removed from my report as per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-09 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: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX Equifax deleted a XXXX  XXXX account compromised by fraud. The red flags were the information furnished was incomplete inaccurate and not a reflection of my credit history. 

On XX/XX/XXXX Equifax reinserted this account illegally aged and again incomplete and inaccurate with full knowledge of a police report, ID they affidavits and sworn statements under oath with XXXX XXXX magistrate court. 

This is a violation of title 15. And I am requesting equitable relief under section 623 for knowingly furnishing inaccurate information. 

On a call with XXXX an equifax supervisor he stated the information submitted previously was older than 90 days old and they do not keep records beyond 90 days. But that the Furnisher verified the info and it will stay for 7 years unless re-disputed with relevant info. 

I requested the account level detail that equifax used to verify the Furnishers right to insert this info and he advised Id need to verify myself with the Furnisher Based on this feedback and the attending consequences of new negative info being reported I am requesting an investigation into the procedures established for ID theft victims. 

Thank you for your support in enforcing the law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have ask the 3 credit report agencies to delet these to accounts since I have no proof of original source or ever entering in contract with them XXXX XXXX XXXX {$450.00} Open balance XXXX XXXX XXXX {$440.00} Open balance I have asked 5 times to send proof of the original source or contract that enter with these two companies all investigations claim its correct but fail to give me any proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: 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 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 2024-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is debt that was directly affected by covid and losing my job in the midst of covid. I did not work for well over a year or a year a half because of the covid restrictions. They also evicted me and i have an eviction on my record directly affect by this situation and now this is on credit directly affecting my rental status and my credit rating.

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 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
I received a letter from Professional Account Management LLC, a debt collector, regarding an account that was turned over to them for collection. On the letter it says I'm legally allowed to dispute the debt in writing but it is not clear how the dispute should be addressed or where it should be mailed to. The company does not answer their phone number, and there is XXXX information on their website explaining how to dispute debts, or alternative contact information. You can only pay.

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 2024-02-09 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: LA

Complaint narrative:
XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-09 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: TX

Complaint narrative:
In accordance with 15 USC 1681a2 I didnt give written permission to have these accounts furnished on my XXXX & EXPERIAN CONSUMER REPORTS

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 2024-02-09 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: TX

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I requested a credit from Venmo visa for XXXX dollars I have not gotten a call or provisional credit or any assistance

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Someone stole my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2023, I notified BSI financial of the change in taxes due on my property which was over {$2000.00} less than the amount escrowed. I was told then that because the escrow refund was so much, the refund would be fast tracked and a check expedited. My account shows an escrow disbursement of {$1800.00} on XX/XX/2023. In mid XXXX, I called BSI because I had not receive the check. I was told they do not fast track refunds and a check would be mailed on XX/XX/XXXX which is when all escrow refunds go out annually. Today, XX/XX/2023, I called BSI as I have not yet received the funds. I was told today that a check was sent in early XXXX and when that was not cashed in 30 days another check was reissued in early XXXX and since that has not been cashed they will request today that another check be sent to me. I requested that it be sent by priority mail. I am complaining because this company for years would not apply my principal payments as indicated and would hold in an unapplied funds for a month any amount I sent that was less than the regular mortgage amount even when I specifically stated the payment was to reduce principal. They did this for two years til I figured out a workaround. I do not trust them and every time I have to deal with them I get a different story. I have never in my 30 years of homeownership ever dealt with a mortgage company more disorganized and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: NY

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See document attached

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 2024-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: DC

Complaint narrative:
I received an email with the disclosure copied below from my mortgage servicer, BSI Financial Services, on my home in the District of Columbia. 
" If we have not received your insurance renewal prior to the due date, insurance will be obtained on your behalf which may be significantly more expensive and will provide less coverage compared to insurance you could purchase yourself. Please ensure your renewal has been submitted to : https : //imcovered.com/bsi at least 15 days before the due date. '' After speaking with friends who also have mortgages, it seemed strange or out of the ordinary that I needed to proactively report this information to the company. 
I called BSI on XX/XX/24 and asked whether I needed to proactively submit paperwork ( and whether I would need to annually ) to prove I was insured rather than have BSI procure insurance in place of/in addition to my home insurance, but I did not receive a clear answer from the XXXX people to whom I spoke. They directed me to XXXX website to submit information, imcovered.com, but could not provide me with the Unique Identifier needed to check my status. 
I subsequently contacted BSI via its internal email form twice in early XXXX, most recently on XX/XX/24, with this question of whether I needed to proactively submit insurance information, and whether I would need to annually, rather than have them procure home insurance for me. 
I have not received a response. I have not received a response from BSI to previous emails with different questions, either, so I'm coming to CFPB to see if intervention could provoke a response. 
Please let me know if you need additional information, and thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: EMBRACE HOME LOANS
State: NC

Complaint narrative:
MY NAME IS XXXX XXXX XXXX. I OWN THE PROPERTY ON XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX ( DECEASED ) AND XXXX XXXX XXXX HAD A LOAN IN XX/XX/XXXX ON THIS HOME. THIS LOAN WAS PAID-OFF IN XXXX BY EMBRACE HOME LOANS. WE NEED ADVANCED FINANCIAL SYSTEMS TO VERIFY THAT AND SEND A SATISFACTION LETTER TO XXXX XXXX IN NORTH CAROLINA SO WE CAN HAVE CLEAR TITLE AND SELL THE PROPERTY. PLEASE COMPLETE THIS AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: LA

Complaint narrative:
XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the XXXX of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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