vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'VE DISPUTED THIS INFORMATION MULTIPLE TIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS BEEN MORE THAN 30 DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681BXXXX PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.

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 2023-05-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'VE DISPUTED THIS INFORMATION MULTIPLE TIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS BEEN MORE THAN 30 DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681B- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: U.S. BANCORP
State: PA

Complaint narrative:
US BANK HOME MORTGAGE - I WAS UNDER CARES ACT UNTIL I PAID OFF MY MORTGAGE IN ONE LUMP SUM. US BANK REPORTED AS A DELINQUINT ACCOUNT. I WAS NEVER ONCE LATE ON A PAYMENT OUTSIDE OF THE CARES ACT IN 20 YEARS - MY ACCOUNT WAS CURRENT UNTIL I QUALIFIED FOR FORBEARANCE. I THEN PAID OFF MY MORTGAGE/ ACCOUNT AT THE END OF MY FORBEARANCE. US BANK REPORTED AS " DELINQUINT WITH XXXX BALANCE '' AND DROPPED MY CREDIT SCORE OVER XXXX POINTS. I HAVE REACHED OUT US BANK TO DISPUTE AND RECIEVED A LETTER THAT I DID PAY DURING THE FOREBEARANCE TIME AND SO THEY REPORTED IT AS DELINQUENT.

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 2023-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
This complaint is against the XXXX process for Hurricane damage. After waiting nearly 2 years for a settlement on the insurance claim, a check was sent in and the process with XXXX  began. After reviewing other complaints it has become apparent that this companies tactics are deliberate and they deliberately delay the payment of partial if not all of the payouts to begin repairs. After many phone calls I continue to receive the same answer of " oh but we need such a document '' then 2-4 days a check. Another call results in " oh but we need this document '' then 2-4 days and a check. When is someone going to audit these people and clear this up. Do you not care about the consumers.

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 2023-05-23 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
If you look at there report XXXX they made an assumption of contact even thought my credit report said on XX/XX/XXXX XXXX I was in XXXX. This was atleast a few months later after they purchased the alledged debt. In this report they said they didnt receive a validation request obviously because you mailed the letter to a XXXX XXXX when I was in XXXX XXXX this assumption it your error not mine. Under the law you must not assume contact you have to provide proof of contact. Please provide proof that I received the letter I have provided proof of address and court disposition of sentencing stating I was in XXXX XX/XX/2016 .. your company is clearly violating the law with out no accountability. Secondly any debt I had is over 7 years old remove the debt. And I have not been given my credit file contract or payments also in clear violation. I dont need it provide it to the credit reporting XXXX since they seem to believe your company is in good faith investigating the matter.. I want everything payments binding contract .. with the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/XXXX, I discovered that my checking and savings accounts had been hacked. The hackers also transferred {$3000.00} from my US Bank credit cards into my saving account, and also withdrew that money. The total amount stolen was approximately {$6000.00}. I notified the bank immediately on XX/XX/XXXX that my account had been hacked. Two days later, the bank declined the request to put the stolen money back into my account and accused me of stealing the money. They said the hack was done from one of my devices. This accusation would be impossible, I was home alone that day and my devices were with me. I'm on Social Security and the money that was stolen is all the money I have to live on. I have been with US Bank for over 15 years and nothing like this has happened.

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 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX - {$1.00} & {$290.00} XX/XX/2023 XXXX XXXX XXXX - {$200.00} I called the bank to let them know this man had asked me to XXXX XXXX for deposit and pro-rated rent. As I explained to my bank this man is a fraud and has pretty much hacked me but they said they could not do anything about it. I was asking they get my money back but they said they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
II have been a Citi customer for XXXX years. I opened an XXXX XXXX account XXXX XXXXXXXX over phone when Citi 's new account rep offered to open this account over phone. There was an online offer of similar nature on the web for selected customers on my XXXX web interface that I wanted to use. See the attached. I took up on the offer over phone as the rep told she could open that online and XXXX rep opened my account over the phone attaching offer code XXXX. The account was opened on XX/XX/XXXX. And I emailed to myself confirming what your rep told as proof. I was promised {$450.00} bonus after transferring $ XXXX within XXXX days and keeping that for XXXX days. I did fulfil those requirements. 

I am still waiting to get that {$450.00} and I chatted Citi rep asking for resolution and by emailing XXXX dedicated contact. Last week chat rep told the code was not applied, so I am not eligible. All I have to say that XXXX rep gave me the offer over phone that I accepted and I deposited $ XXXX on that assurance on XX/XX/XXXX. I am not responsible for Citibank agent 's fault, deceptive practice or any error the rep made, as $ XXXX deposit was at stake. I have kept that balance since opening the account and Citibank is refusing {$450.00} bonus payment.

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 2023-05-23 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: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: TX

Complaint narrative:
I have disputed errors on my Transunion report now 3 times, twice through Transunion directly and lastly once through CFPB ( XX/XX/XXXX ). I received a response today that the account XXXX XXXX XXXX # : XXXX was verified and updated. Transunion is still reporting inaccuracies which I am attaching screenshots. The balance has now gone down from {$450.00} to {$450.00} from last month, activity date is showing to now be in XX/XX/XXXX and I have not made any payments or done anything to this account for its activity date to be updated nor the balance to change. The balance has been changing from {$450.00} to {$450.00} back and forth every month and is done in malice to cause great harm to me personally. This account has not been properly investigated or verified and I have not been furnished in how Transunion supposedly verified it. The open dates, activity dates, last active are all also inaccuracies. I believe that Transunion has had enough time to properly investigate and verify this account as I first filed a complaint with them last year on XX/XX/XXXX and sent it through certified mail. I believe at this point Transunion is acting with malice to intentionally harm me personally. I request that this account be immediately and permanently removed from my credit report as it is continuing to willfully report inaccuracies which is a violation of my rights and laws, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 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 2023-05-23 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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XX/XX/2023 and again it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-05-23 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: Freeway Funding, Inc.
State: CA

Complaint narrative:
Hey the credit bureaus are not validating my accounts and they are not holding up to the regulations and are not making the collection companies hold up to the regulations and laws. My letters are 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 2023-05-23 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: AL

Complaint narrative:
In accordance with the fair credit reporting act : XXXX XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX ; has violated my rights 15 U.S.C 1681 section 604A states I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: AL

Complaint narrative:
In accordance with the fair credit reporting act : XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX ; has violated my rights 15 U.S.C 1681 section 604A states I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I opened up a credit card with XXXX XXXX in 2021. It is the More Rewards Amex credit card, and I was given a {$25000.00} credit limit. For whatever reason, Amex incorrectly put down {$2500.00} as my credit limit. And XXXX only checks with Amex to validate the credit limit, so on my credit report, it says I am over my limit as it is only {$2500.00}. This is affecting my credit score. My Amex credit limit is now {$33000.00}, and yet, I still have not received a change in my credit limit on the Amex portion of XXXX. I have called XXXX XXXX, Amex, and XXXX multiple times and they have each never fixed the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I signed a refi on my property via a broker and XXXX witnesses at XXXX XXXX XXXX XXXX of XXXX XXXX to be picked up with XXXX XXXX due to machine problems Picked up check/over XXXX missing told credit score and 30 mins before closing received call from agenct stating credit score slipped more in interest. Demanded closing dics again machine problems, Docs TO BE MAILED. 
Never received copy of XXXX mortgage or closing Documents/ Finally told ALL DOCS LOST IN HURRICANE WILMA On XX/XX/XXXX a {$160000.00} mortgage closing took place at XXXX  XXXX XXXX XXXX XXXX XXXX without XXXX XXXX XXXX, comscent and authorization of any kind. The same notary on the XX/XX/XXXX mortgage is the same notary on the Fraudulent XXXX mortgage. Also present at this XXXX closing was a witness who also participated in the XXXX closing. All done via IDENTITY THEFT I have documents that spell out " A SCHEME TO DEFRAUD '' On XX/XX/XXXX I found out the truth and upon further inspection of the clerk of XXXX XXXX XXXX found the following facts a, Discovered a XXXX {$130000.00} Mortgage electronically filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Phone call to XXXX XXXX XXXX who forwarded an an unsigned settlement statement d, Found {$11000.00} theft in XXXX mortgage e. Electronic filing of a fraudulent mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX f.After too many calls to Town & Country was able to bring the XXXX closing Documents safe RETURN from XXXX XXXX ALL XXXX pages. 
g.Confirmation of the XXXX mortgage THRFT was confirmed witg a signed settlement statement that dame back from XXXX XXXX. 
And all done with DELIBERATE DECEPTION OF DOCUMENTATIONs. 
Was I Profiled?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: Affirm Holdings, Inc
State: WY

Complaint narrative:
In XXXX of 2022, I was made aware that several loans with Affirm had been opened fraudulently under my name. Because I was unaware they had been opened, I had several late payments reported and some charged off on my XXXX report before I could attempt to stop them and contact Affirm. I have contacted Affirm directly, filed a police report, and contacted XXXX 's fraud department and provided all the documentation they have requested in an attempt to dispute and have the fraudulent loans removed from my report. Neither Affirm nor XXXX have removed these fraudulent accounts despite providing the documentation they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems continues to unlawfully collect on a debt that is not owed and belongs to a deceased Veteran. The Department of Veterans Affairs has barred the collection of this frivolous debt. This money is a security bond that is owed to the estates heirs of the Veteran descendant by the leasing company that contracted national credit systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with 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 1666B : 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