vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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: PA

Complaint narrative:
There is information that is all my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of facts by me relevant to the request to block the identified transactions .The identified transactions are not information related to any transactions by me as the consumers. 
XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX. {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My complaint and this narrative does not fit into any one of your categories. I am the XXXX XXXX in a business in XXXX, Florida, XXXX XXXX XXXX XXXX, with 3 other partners. Our business checking account with XXXX XXXX was hacked and 4 separate fraudulent debits were made on XX/XX/XXXX  and XX/XX/XXXX  through an automated clearinghouse. I became aware of this on XX/XX/XXXX  and notified our bank immediately. The funds from 2 of the four criminal withdrawals were used to e-pay credit cards-XXXX  Credit in the amount of {$7000.00} and American Express in the amount of {$6500.00}. Three of the four withdrawals were returned immediately including XXXX XXXX. 
XXXX XXXX contacted American Express on XX/XX/XXXX  and were rebuffed. My bank was told I would need to call. I did so immediately and American Express would not speak with me. 
I filed a report with the XXXX County Sheriff 's Department, case # XXXX. American Express is in receipt of stolen funds and is complicit in this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Issue I was over billed {$870.00} dollars. I prepaid the full amount in XX/XX/XXXX and had a XXXX  balance. The auto pay charged me {$870.00} out of my checking account. 
I called on XX/XX/XXXX and they said it can take up to 10 days to get a refund. I called them on XX/XX/XXXX and still pending the refund. This has never happened with another credit card company. The account shows a negative balance and I included a screen shot to this case ( Negative balance.png and amounts.png ) Negative balance XX/XX/XXXX XXXX transaction for Transaction date : XXXX ELECTRONIC PAYMENT Type Payment - {$870.00} - {$870.00} Expand transaction for Transaction date : XX/XX/XXXX XXXX  ELECTRONIC PAYMENT XXXX Balance XX/XX/XXXX XXXX transaction for Transaction date : XXXX ELECTRONIC PAYMENT Type Payment - {$870.00} {$0.00} Date Amount - {$870.00} BANK OF AMERICA - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX, XXXXXXXX XXXX, 15 USC 1681 section 602 A, 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 an 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

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 2023-03-24 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: EQUIFAX, INC.
State: PA

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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX, XXXXXXXX XXXX, 15 USC 1681 section 602 A, 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 an 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I was affected by the pandemic for a couple years from XX/XX/XXXX through XX/XX/XXXX. I was unemployed for the first time ever during that period because of the pandemic. Now I'm attempting to repair my credit and in doing so I noticed a creditor popped up on my credit report. Midland Credit MANAGEMENT. XXXX XXXX XXXX. XXXX XXXX, California XXXX. XXXX. This debt is being reported as if it is something recent. It was reported in XX/XX/XXXX which shows on my credit report. I told the Creditor that I was not familiar with this and I believe that if it is something that I owe or owed in the past, that is something very old likely over 7 years old. Note that this has not ever been on my credit and is just showing up. I believe that they are misrepresenting by reporting this as a recent debt. I am in the process of disputing this but wanted to report this as a tactic that this company is using by reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
During a transfer of our mortgage from XXXX XXXX Mortgage to Mr. Cooper a charge of {$600.00} was placed against our mortgage as an Escrow charge. We filed a complaint and Mr. Cooper acknowledged it should have not been charged to us. We made two payments towards that amount that should have BOTH been credited to our principal balance if that charge had been vacated from our loan. Only one payment of {$50.00} has been applied to our principal balance. The other was applied to the {$600.00} to bring the false charge amount to {$550.00} and that charge is STILL being imposed against our loan. Mr. Cooper did in fact, vacate it from XXXX as they stated in our prior complaint 's response, but it is still there in the amount of {$550.00}. It has simply been moved from XXXX charged first on XXXX to " other '' as a lender paid adjustment. No, this is not a credit to our loan but a charge as credits and payments are shown without parentheses and payment reversals and charges are shown in parentheses on the attached form. All Mr. Cooper has done is move the false charge around like a shell game. In addition, despite a TIL request for what the charge was actually for, we have never been given an explanation. A representative from Mr. Cooper has called every few days to see if the 2nd payment of {$50.00} has been applied to our principal but will not acknowledge the {$550.00} still being charged to our loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: PR

Complaint narrative:
I'm a victim of Identity Theft since 2020 due to the data breach of XXXX. Since 2020 I've been dealing with countless situation in regard to this matter. I received communication from credit card companies and debt collectors in regard to accounts that were not mine. Due to fear and lack of knowledge of the law, I start making payment, even when I know this accounts were not mine. Now I received legal advice from my lawyer, that guide me to open an Identity Theft Report and send a formal complaint using CFPB. I have been trying to get in contact with the consumer report agencies without success. They are not working diligent in their investigation to solve this problem. As an evidence of the lack of investigation ; I asked XXXX to remove an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) that is not mine and they responded that the account was verify. At the same time I asked the issuer of the card to remove the information from my credit report and they send me a letter with this information : " We received a request to remove your name from the account number referenced above. Our records indicated your name is not on the account. '' Clearly, the agencies are not doing a properly investigation, causing me more harm. I called TransUnion to report Hard Inquires that were not authorized and they told me that there is anything they can do about that matter. I'm not asking for too much, just to have my consumer report clear of accounts that are not mine. All my correct account are from XXXX XXXX, were I currently live. I have account in local Credit Unions that have been paid accordingly. I didn't apply for credit card in Banks in the USA. This XXXX accounts are from stores that I dont even purchase any goods. Some are too far away from my home that I dont even have visit before. I don't know why the consumer reporting agencies don't have an specialist that can review the accounts and compare all the history to identify that the information reported can be XXXX. I'm tired of dealing with this sittuation and the next steps is going to be a legal one, if this complaint is not process properly.

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 2023-03-24 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: GA

Complaint narrative:
There were fraudulent unauthorized charges made in XXXX account, XXXX, XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX The spoke with someone at FTC identity theft department and was provided with a report. These charges were accumulated while I was in the hospital under XXXX and receiving XXXX. I was not able to make charges if I was on XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX  XXXX located in XXXX, GA they thought I wasnt going to live.

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 2023-03-24 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:
There were fraudulent unauthorized charges made in XXXX account, XXXX, XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX The spoke with someone at FTC identity theft department and was provided with a report. These charges were accumulated while I was in the hospital under XXXX and receiving XXXX. I was not able to make charges if I was on XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX  XXXX located in XXXX, GA they thought I wasnt going to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-03-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been attempting to close out my IRA account with Synchrony Bank since XX/XX/XXXX. I have been given conflicting information with regard to the distribution form required by the bank, whether it requires a guaranteed signature or none at all. I have submitted corrected forms XXXX times, the latest by USPS mail on XX/XX/XXXX. To date, I have not received any acknowledgement except to inform me that the CD is now renewed, and the new maturity date is XX/XX/XXXX. With regard to signatures. I was told ( XXXX ) just to leave it blank, ( XXXX ) get a guaranteed signature, and, ( XXXX ) just get a signature witnessed by a notary. I am uneasy about the way this bank is being run, since I have several other accounts with them, for an amount of over {$600000.00}. They give the impression that they are trying to run out the clock, though I have no corroborating evidence to that effect, only the recent bank failures that have been well publicized.

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 2023-03-24 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: EQUIFAX, INC.
State: CT

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: DC

Complaint narrative:
MasterCard ( Savor Card ) ; issued by Capital One Bank. This card has a {$500.00} credit limit. On XX/XX/XXXX the cardholder submitted purchase Dispute / Claim ( # XXXX ) against Merchant for {$150.00}. Capital One Card Protection services within Card Investigations are ( an offshore call center ). Capital One does not provide a direct line of communication within back office decision makers referencing consumers complaints nor does it provide direct access in order to dispute 'MasterCard decisions '' when it comes to consumers line of credit, transaction disputes, and providing adequate digital forms of communication. Cardholders with legitimate disputes are regarded as low priority compared to 'fraudulent claims ''. Capital One offshore disputes and resolutions services are inadequate and counterproductive in solving legitimate consumer claims. The process is level 1 or level 2 in terms of resolutions. Given Capital One has an arcane version of communication, there seems to be no real relief to cardholders nor does it mean positive outcomes. In the Case Dispute as mentioned above ; Capital One, opted to provide a provisional credit for a period of ( 10 ) days back to the cardholder ; however reversed the credit back to the cardholder, when they received a letter from the Merchant 's Terms and Conditions and its buyer Policy. Capital One didn't investigate the dispute, didn't request Merchant to provide proof of services, nor proof of refund if any. Cardholders are left to spend hours to clear up 'bogus purchases ' taken by illegitimate merchants, scam merchants, merchants who provide high-resolution advertising and seduce consumers to make purchases for services that will not come to fruition. MasterCard card services must investigate thoroughly those purchases made by merchants who seduce, entrap, falsify, scam consumers by means of credit card transactions via online. In this case Capital One didn't resolve the dispute nor provided cardholder with positive outcome ; instead charged cardholder back the amount and didn't accept cardholder 's documents nor explanation.

The purchase made by the cardholder to receive services by the Merchant were bogus ; cardholder didn't receive goods or services ; instead received documents from the merchant stating a refund would be applied back to the card ; and later advised a paper check would be mailed since XX/XX/XXXX. XXXX has exhausted attempts to work with Capital One ; each time the call center and/or provide insufficient information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX has pulled my credit over four times in a series of days. I have not agreed nor allowed for these inquiries to my account.

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 2023-03-24 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Equifax has XXXX XXXX XXXX reported as XXXX late payments and I was never late. 15 US 1681B NO PERMISSION I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 U.S.C 1681i ( 5 ).

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Equifax, XXXX and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX reports. Which is a violation. This is causing me financial injury and impacting me from buying a house. 

I've attached my letters and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
There is information that does not belong to me and I need this information fixed to prevent further identity theft. I have been a victim of identity theft, thus note the IP PIN I have to use not just to file my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: MD

Complaint narrative:
There is information that does not belong to me and I need this information fixed to prevent further identity theft. I have been a victim of identity theft, thus note the IP PIN I have to use not just to file my taxes.

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 2023-03-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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