vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I refinanced my home with Freedom Mortgage XXXXXXXX XXXX XXXX XXXX CA XXXX in XX/XX/XXXX. The cash out from my refinance included repayment of my major debts. Freedom mortgage used a charter company named XXXX XXXXXXXX to complete the debt consolidation portion of my loan. XXXX XXXX mailed me 11 paper checks issued by XXXXXXXX XXXX in the amount of the various account balances. I sent these checks via priority mail to my creditors. Unfortunately, 5 of the 11 checks were intercepted and stolen from the post office. The checks were deposited into an individual account and XXXXXXXX XXXX cleared the funds. 

XXXX XXXXXXXX alerted me to the fraud and informed me that XXXXXXXX XXXX  will not reissue the checks until a fraud investigation has been completed. As part of the investigation, XXXX XXXX is requiring me to send affidavits to the creditors in question and return the affidavit notarized before they reissue the check. The creditors and balances in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX. XXXX XXXX XXXX : {$3900.00} XXXX. XXXX XXXX XXXX : {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXXXXXX XXXX XXXX XXXX : {$520.00} I have contacted the 5 creditors on a weekly basis since the notification in XXXX of XXXX. So far, Ive only gotten a response with the affidavit signed and returned to by one creditor, XXXX XXXX XXXX. Today I am writing as I am exhausted by this requirement by XXXXXXXX XXXX Ive spent over {$300.00} in mailing fees and no result from the 4 remaining companies. I think I am being wronged because I am paying a new higher mortgage payment and Ive yet to receive relief from the debt I had previously. I am including correspondence that I have received back from some of the creditors. This has become a financial burden as I am still paying on these debts and now have a higher mortgage payment. 

Timeline of events XX/XX/XXXX : Mortgage closed, and checks issued. Checks mailed to creditors and fraud reported. 
XX/XX/XXXX : I sent a second round of correspondence to my creditors. 
XX/XX/XXXX : Began paying new mortgage payment. No response from creditors. 
XX/XX/XXXX : XXXX XXXX  made contact but no change in requirement for affidavits. 
XX/XX/XXXX : XXXX XXXX XXXX returned the affidavit. Provided the affidavit to XXXX XXXXXXXX. 
XX/XX/XXXX : No communication XX/XX/XXXX : No communication XX/XX/XXXX : No communication XX/XX/XXXX : XXXX XXXX  notified me that XXXX XXXX  has agreed to reissue the check for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: TN

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. 

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 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 has violated my rights. Or list of inquiries 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 2023-07-08 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 : {$6500.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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:
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 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 2023-07-08 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: NY

Complaint narrative:
Ive identified information and accounts on my personal credit as a result of identity theft. these accounts and transaction were not made by 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 2023-07-08 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: GA

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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: COMMERCE BANK
State: IL

Complaint narrative:
Commerce Bank in XXXX, Missouri, provided a commercial loan with a XXXX term and a {$90000.00} final pay off for a home as a mortgage to a XXXX senior. Then they continued to provide loans for the payoff, after making more than {$25000.00} in interest on the XXXX loan and switched it to an asset-only loan on property that had never had a mortgage while also giving over-draft fee " protection '' that pulled from a line of credit with a juicy interest rate. One specific banker, XXXX XXXX, continued this abuse and fraud, even when family members called him out on it. To the family members he said, oh, yes, you are right, that was a commercial loan and oops, I won't give more loans because " at his age, that's not appropriate '' ... ..well he continues to give him more loans, we discover, when he is XXXX and on a pension. It was for XXXX XXXX at Commerce bank to profit. We have all the written documents, phone calls and more as evidence. It's giving loans to a senior who is on a pension as if they have commercial real estate, when they don't and continuing to facilitate the unnecessary spending while allowing Commerce bank to profit from outrageous interest rates and ridiculous terms. You don't give a commercial real estate XXXX loan to someone for their home mortgage. 
Commerce Bank, XXXX, Missouri, facilitated the spending and collected very high interest rates by also giving a special checking account that could allow " over-drafts '' and then the over draft fees and the over draft were pulled from a line of credit - so that's credit pulling from more credit and then oh, right, they'll just write a new loan to cover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was scam called by someone claiming to be from the US Department of Education that was saying they were going to help me get reduced loan payments. During the call they knew my information so I thought they were a valid service but after ending the call I noticed my FSA ID had been changed and they knew my information be us they had accessed my account. Im concerned about my identity being stolen now or loans taken out in my name and want to know how to protect my identity through this. The number they called from was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: NM

Complaint narrative:
I have items passed on that should be taken out or blocked by XXXX AND TRANSUNION CREDIT BUREAUS. Per FCRA segment 605, XXXX AND TRANSUNION Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT AND DO THEY JOB PROPERLY. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX AND TRANSUNION Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX  {$700.00} ; XXXX XXXX XXXX XXXX  {$440.00}.

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 non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I accidentally set up a XXXX fee payment for XXXX on XXXX. I called my bank ( USAA ) immediately to stop the payment because I was selling my condo. After I sold my condo ( after two weeks ) USAA made a XXXX payment from my account on XX/XX/XXXX. They said they couldn't stop the payment but once it is posted they would get my money back. 
But it turned out it wasn't as they promised me. After it is posted to my account they didn't refund my money back. They told me to contact the merchant. However I contacted the merchant many times but they aren't returning my money either. I believe USAA is the responsible party because I called USAA many times to stop the payment. But they didn't. They basically gave away my money to the XXXX. Now I can't get it back. I didn't receive any services in XXXX from XXXX, because I sold my condo on XX/XX/XXXX. I provided closing documents and post conveyance from the closing agent that states, that money needs to be returned to me. USAA needs to correct their mistake. I trusted USAA and therefore I kept my money there. Basically, they gave away my money to a merchant I didn't receive any service for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: GA

Complaint narrative:
I am submitting this CFPB Complaint to dispute the remaining inquiries and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Experian Credit Reporting Agency to follow up and investigate an inquiry in question or to delete. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please remove the listed inquiries and prevent such occurrence from happening. Under the laws of the FCRA, the Experian Credit Bureau are required by the FCRA to follow up with the creditor. Please see the list of the remaining Inquiries below : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022. The FCRA requires the Experian Credit Bureau to remove the remaining selected items within 15 days. The Experian Credit Bureau is obligated by law to remove the inquiries. There is a clear case of unauthorized inquiries here, and I urge the Experian Credit Bureau to remove them before I am forced to take legal action.

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 2023-07-08 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: NC

Complaint narrative:
It has been drawn out that TRANSUNION Credit Bureau is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that transunion bureau decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the account that need to be removed from my file : XXXX XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-07-08 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: NY

Complaint narrative:
This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : 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 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 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 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 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 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 2023-07-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Experian did not provide me proof nor did they send me copies of documents or anything validating these accounts. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 168li ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? 

I demand the following accounts be verified or removed immediately. 

XXXX Account # XXXX Validate Account XXXX Account # XXXX Validate account Thank you for your time and help in this matter. 

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 explanation
Consumer complaint received 2023-07-08 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: CA

Complaint narrative:
I am writing to file a complaint regarding the inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Regrettably, I have not received any response from TransUnion regarding this matter. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to address and rectify this issue. 
I would like to bring to your attention the following incorrect information on my credit report, along with the requested corrections : ( Account Not Mine Account Number : XXXX Company Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$200.00} Issue : This account does not belong to me, and I request that TransUnion removes it from my credit report. ) ( Account with Incorrect Late Payment Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that TransUnion corrects this inaccurate information on my credit report. ) ( Account with Incorrect Late Payment Account Number : XXXX Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that TransUnion corrects this inaccurate information on my credit report. )

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