vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 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: AZ

Complaint narrative:
On XX/XX/2022, I received an alert from MyFICO.com that my credit score dropped XXXX points, then XXXX points, and another XXXX points per credit agency. 
MyFICO also indicated that a credit account had changed on my report. The account was for an energy company in Texas called XXXX. 
A quick investigation would clearly show that this account is not mine. I called XXXX XXXX times, on XX/XX/XXXX at XXXX AM and on XX/XX/XXXX at XXXX. XXXX representative stated it's under investigation. XXXX sent me my consumer report and noted that the error would remain as accurate. It is not correct or valid! And not accurate. My information indicates that I have never lived in Texas. My consumer report shows I'm currently a XXXX  XXXX in California. Not Texas. At no time in 10 years have I lived in Texas or even visited. The name on the account, per XXXX conversation, is not mine. They got the SSN correct. However, to obtain service from a so-called energy company, you must show a valid ID and other documentation to prove who you are. This XXXX XXXX ( XXXX ) is reporting incorrect information. It costs a measurable amount of time, energy, and money. I've yet to hear from the other credit agencies the results of my disputes.

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 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
On XX/XX/2022, I received an email that two accounts were opening in my name at TD Bank. I don't have an account with this bank and never have. When I called the bank, they confirmed two accounts were opened. They closed the accounts and launched an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: AL

Complaint narrative:
I was robbed in 2016 at XXXX XXXX  by XXXX XXXX and ended up in the hospital. Went to the police station the next day and filled a report because theyd stolen everything I had on my person. Including my wallet I did file a police report. However that could only go so far. Im contacting you all because Ive notice many things on my report that doesnt line up and was told the best place to go would be here. So hopefully I can get help with this thank you All the best - XXXXXXXX XXXX XXXXXXXX

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 2022-05-17 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: PA

Complaint narrative:
I have disputed the listed accounts on several occasions and the furnisher constantly changes the status of the account. These accounts should not be reporting to my consumer report because I have not given written consent for it to be furnished. These accounts also should not be furnishing any payment history as that is to be excluded from a consumer report. Please see attachments for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
1. Paying into an escrow account that I feel should not have been paid to Select Portfolio Servicing , Inc .

2. Paying Property taxes - no property taxes ( exemption due to XXXX since XXXX and age ) but the Mortgage Company withheld escrow for taxes and insurance from the time they acquired the mortgage.

3. Non-escrow account built and billed based on non-existence property taxes ( charging an escrow of {$6.00} x 24 months ( {$140.00} ) which should not exist because ; however, " the statement states that account has a monthly reserve requirement of 0 months - no escrow needed.

( 1 ) insurance is only {$140.00} ( paid each month by me ) with no increase in the last 3 years ( 2 ) no property taxes exist to be paid since ( XXXX ) - no taxes since becoming sole owner in XXXX 4. Can not understand the reason for the {$180.00} monthly charge to Escrow but only {$140.00} is needed for insurance, but Select Portfolio , Inc. shows a shortage in the Escrow account. Why?

5. Select informed me that I can not send extra principal payment without first calling Select Portfolio Servicing , Inc . In the past, I have always sent two checks : a monthly payment and a check for the extra principal but on the statement " No prepayment penalty '' XXXX Mortgage Payments : XX/XX/XXXX {$1000.00} for an extra principal ( check # XXXX ) and {$670.00} regular payment ( check # XXXX ) Should have been : {$1000.00} ( principal ) - and {$330.00} ( principal ) total = {$1300.00} NOT {$820.00} - - want to know where the money was applied for the month of XX/XX/XXXX and XX/XX/XXXX? 
XX/XX/XXXX - no statement provided for disbursement of money XX/XX/XXXX - {$1000.00} ( XXXX cents short ) paid for XX/XX/XXXX and XX/XX/XXXX {$520.00} mortgage payment applied for XX/XX/XXXX - {$6.00} to close the escrow account totaling {$530.00} {$510.00} applied to the principal account ( should not have been put in escrow ) because I did not request that of Select Portfolio ; however, no escrow should be owed because there is no escrow account ; therefore, payment should be applied to XX/XX/XXXX Mortgage Payment as verbally discussed with Customer Service on Monday, XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX Escrow Cancelation - Refund Due {$720.00} Insurance will be paid directly to XXXX XXXX XXXX XXXX by Mortgage Holder : XXXX XXXX XX/XX/XXXX - {$180.00} ; XX/XX/XXXX - {$180.00} ; XX/XX/XXXX - {$180.00} ; XX/XX/XXXX - {$180.00} XX/XX/XXXX - XX/XX/XXXX Overpayment Shortage ( Escrow ) - Refund Due {$220.00} XX/XX/XXXX - XX/XX/XXXX ( {$180.00} x12= {$2100.00} - ( {$1700.00} Insurance ) = Refund Due {$370.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On or about the XXXX of XXXX Santander Bank blocked my online account without notice. I called the bank and they stated that my account was under review for fraud regarding XXXX  transactions. Since that date I have called repeatedly first daily then weekly now monthly. The bank has not communicated with me regarding this review either by phone communication or written correspondence. Each time I call I get no update from the Fraud Prevention department. I have contacted the branch for assistance with also no results. Now after 2 months, my accounts are being charged monthly service fees when I have no access to my accounts. My business account was never involved in this XXXX  issue and it has ben on hold since opening. If I have done anything wrong regarding XXXX, then I should be told and not have my accounts arbitrarily frozen without any notice after now 2 months.

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 2022-05-17 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: AL

Complaint narrative:
Went to car lot they ran my credit SO many times!

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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
I have an account with a jeweler that has always been current. I have even met the requirement of paying off balance in 12 months with no interest. For some reason that past three months starting in XXXX. Paying through the companies ' portal has been a mess. Ill make monthly due payment and later down the road theyll be calling me asking for payment. When I go check on portal it has said my payment was reversed with explanation. This has happened more than twice and unfortunately the last time it happened they marked me 30 days late which I think is unfair. They have been unwilling to provide me with explanation on way the payments are getting reversed. I have been financial capable of paying this account for the past year in a hlaf since it was opened. They recently changed online portal and system to pay on account but still give no valid explanation on why my payments havent been going through when funds have been available. On top of that when I called to let them know I was upset they marked me 30 days late they had offered me no assistance or help. Ive always paid this account on timely matter and I think it is unfair for them to mark me 30 days late.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TN

Complaint narrative:
From the moment I made my account, this agency has taken fees everytime another user sends me funds. Fees range from XXXX all way up to XXXX dependent on amount of funds. HUNDREDS OF TIMES THIS HAS OCCURED way to many to begin listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act these accounts below and information has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 : 1. Collection- XXXX XXXX. Collection- XXXX XXXX. Collection- XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX 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 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 crime which antedates the report by more than 7 years

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 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-17 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:
In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights. 

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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have filed a complaint 2 Timws with XXXX.i have paid the account in full, and they still call me at least 2 to 3 times a day. There is no need for wells Fargo to continue for harrsement If the account paid in full.

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 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Without written permission from me the following companies pull mine credit reports and place hard inquiries on my 3-reporting credit bureau accounts . 
US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: IL

Complaint narrative:
Without written permission from me the following companies pull mine credit reports and place hard inquiries on my 3-reporting credit bureau accounts . 
US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
XXXX, XXXX XXXX XXXX AND JPMCB HOME are all reporting a mortgage on my credit report that does not belong to me. I have visited my local police station and was instructed to complete a fraud report and identity theft report, I have done both. I have contacted all parties no less than three times with the appropriate paperwork to remove the mortgage. The mortgage is not reporting negatively it is actually reporting as a positive account but it is XXXX and does not belong to me. I do not understand how the information was verified during the process because I currently live in an apartment and can not purchase a home for my family because a mortgage that does not belong to me is currently reporting on my credit reports. I have sent 2 identity theft reports and fraud report from FTC website. The credit bureaus and companies will not speak with me on the phone because they claim not to understand me because I am not American. I do believe that I am being treated unfairly because of my nationality. I am pleading and praying from relief because this home being on my credit report is causing me great  XXXX and XXXX  to were I may need to be seek XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XXXX I filed a dispute in the amount of XXXX as of today, NOTHING has came of it. On XXXX I was emailed and told a provisional credit of XXXX was applied to my account and I've not seen a dime of EITHER OF THOSE funds stolen from me! Numerous emails to support team about the two transactions fell on deaf ears, repeated scripted responses which didn't answer anything when/if I even got a reply, XXXX " provisional credit '' was NEVER APPLIED TO ACCOUNT ( I have proof merchant refunded those funds to my account so, all legal sense ... they stole my money ) and, repeated attempts to get these issues rectified since XX/XX/XXXX fell fruitless on the companys end! I've been far more than patient, my patience is gone! Attached is email from CashApp support proving the date I filed initial dispute on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/XXXX, after trying to rent an apartment and being told I need a guarantor, I checked my credit score. It was extremely low, so I ran a report and found a fraudulent account that was on there through Discover. I contacted the police to file a police report and I contacted Discover who put me in touch with XXXX and XXXX to open an investigation. They shared that it would take a maximum of 6 weeks to complete the investigation and then the fraudulent account would be off of my credit report and my credit score should reflect as such. However, after 60 days, I called XXXX and XXXX after seeing no change in my credit score. They reported that they were unsure and would have to get back to me, but have not yet done so. I called Discover again and they said they would open their own investigation and try to resolve it. It has been two months of back and forth with Discover to no avail and I am unable to do anything regarding credit because of their inability to take the right steps to handle this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: AL

Complaint narrative:
Went to car lot they ran my credit SO many times!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: AL

Complaint narrative:
Went to car lot they ran my credit SO many times!

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 2022-05-17 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: FL

Complaint narrative:
In accordance the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: FL

Complaint narrative:
In accordance the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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