vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: FL

Complaint narrative:
Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and accounts that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights. Thank you for your prompt attention to this matter. This is THE ACCOUNTS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have no problem with the company , - bank of America ( BOA ). I was wondering whether you have the tools to track down the fraudster who called from XXXX XXXX to prevent them from bilking other bank customers.

The fraudster texted me initially asking if I wired {$9900.00}. Press 1 if yes, 2if no.

After pressing no, they said they wanted to catch the teller who was responsible but to keep the affair secret from other tellers because it was an inside job.

To prove they are not fraudsters, they said I would get a call from the bank indicating the authentic phone number on the back of the debit card. And I did get the call from the authentic number posted on the back of the card. I later found out from BOA that that practice is called " snoofing '' where a fraudster could use the real bank number pretending to be a real BOA employee.

I hope you're able to protect other consumers.

Thank you.

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 2024-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XX/XX/year>, {$650.00} via XXXX, Merchant = XXXX. Transaction declined in-person. 
American Express customer service stated the reason was " missing CVV '', even though the card was added to my XXXX XXXX with my card number, CVV, and Expiration date. 
XX/XX/year>, {$300.00}, Merchant = XXXX XXXX. Transaction declined online. 
American Express customer service stated the reason was for Security. 
XX/XX/year> : {$3.00}. XXXX XXXX. Transaction declined. 
American Express customer service stated the reason was for Merchant did not transmit complete information. 

According to the prepaid card use instructions, the card should be accepted anywhere American Express is accepted ; for online use, I can use the card at merchants that require the Card number, expiration, and security code. There are obviously more restrictions than stated, yet neither Customer Service representative I contacted on XX/XX/year>XXXX  was able to explain to me how to use the card as advertised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-24 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: FL

Complaint narrative:
Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and accounts that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights. Thank you for your prompt attention to this matter. This is THE ACCOUNTS 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 non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Central Mortgage Funding, LLC
State: CA

Complaint narrative:
Prior with Consumer finance and FDIC. 
XXXX XXXX with Central Mortgage Funding would call or text communicating about the refinance, I would initially not refinance due to high rates, he kept calling to get my business, would not do business. 
To get me to sign, they offered to refinance in XXXX months, which I agreed to. But I wanted to make sure the refinance was there. 
I was promised the XXXX months refinance, but they did not follow through. Tried to communicate with XXXX XXXX and Central Mortgage Funding, but they would not return texts or calls. They ghosted me, and would not long after sold my contract to XXXX XXXX. 
Earlier this year XXXX XXXX, an investigator from the company contacted me, saying to look into the matter, but then he also ghosted me. 
I am doing this on advice from an attorney in XXXX Michigan to re-submit the complaint. 
XXXX and CMF committed fraud by deception. 
I am retired with a fixed income, making these payments has put me through financial and emotional stress. 
My initial payment was {$1500.00}, they raised it ( behind my back ) to {$1700.00}, which they also lied about lowering the amount I had to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
MOHELA/ XXXX I have submitted over 11 applications for the PSLF repayment programs since 2022 and was told I had to ENROLL IN THE IDR consolidation plan to be considered. I have made greater than 120 qualifying payments over the past 15 years. My case keeps getting closed with excuses such as my employer has not signed the document in time ( which my employers deny ), less than 120 payments were made, or my birthdate is inaccurate despite sending documentation supporting my birthdate months and months ago. Now, they are saying I have to pay > XXXX XXXX which is six times more with this IDR plan than I was previously paying!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To : TransUnion Consumer XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Place a Security Freeze and Suppress Sharing of Information Dear TransUnion Consumer XXXX, XXXX, I am writing to initiate a request under the Fair Credit Reporting Act ( FCRA ) Section 605A [ 15 U.S.C. 1681c-1 ] to place a security freeze on my credit profile and to suppress the sharing of any information related to my identity. I do not consent to, nor do I authorize, the sharing of my personal or credit information with any third parties, including data aggregators seeking to collect information about me. 

I further request the removal of my credit file and associated personal information from your data institution. Below are my detailed requests : 1. Provide My Full Consumer File Disclosure : Please provide a complete overview of my consumer file, including the set of documents, procedures, and any credit information associated with my name, addresses, or other identifiers listed in this letter. 

2

. Place a Security Freeze : Immediately place a security freeze on my credit profile and suppress the sharing of any of my information with other parties unless expressly authorized by me in writing. 3. Confirm Completion of My Requests : Once the security freeze is completed, kindly confirm in writing within five ( 5 ) business days. This confirmation should include the details of the security freeze and the necessary information to verify the suppression of my credit profile and data. 

Personal Information : Full Name : XXXX XXXX Social Security Number : XXXX XXXX Addresses : Current Address : - XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX Thank you for your prompt attention to this matter. Please confirm the completion of these requests in writing and address all correspondence to my current address provided above. 

Sincerely, 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 2024-11-24 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: U.S. BANCORP
State: NJ

Complaint narrative:
cancelled training course smarter than XXXX but not getting refund from credit card company, On Sun, XX/XX/year> at XXXX XXXX  XXXX, XXXX XXXX wrote : Hi XXXX, As mentioned in the training, before purchase emails, on the sales page, on the order form and in your contract - we do not offer refunds outside of our policy which is very clear : XXXX -- XXXX As such until you've gone through 3 certifications and completed all assignments as well as exams, we can not offer a refund. 

None of it is in the fine print, it's all quite blatantly shown and explained over half a dozen times before purchase. 

But as mentioned, if a resolution is not reached we'll have to revert to our standard operating procedure. 

Best, -- XXXX XXXX Support Team XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On Sun, XX/XX/year> at XXXX XXXX XXXXXXXX, XXXX XXXX XXXX wrote : Your course has deceptive advertising said once can opt out in three months but later show fine print Not legally binding On Sun, XX/XX/year> at XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX wrote : I lost my job so can't pay or purse this program I told you I don't have time or money for this 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 monetary relief
Consumer complaint received 2024-11-24 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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