vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 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: FL

Complaint narrative:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

1. 08 XXXX XXXX XXXX  XXXX XXXX Account # XXXX BAL {$12000.00}

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 2020-10-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with  XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

1. XXXX XXXX XXXX XXXX XXXX Account # XXXX BAL {$12000.00}

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 2020-10-23 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: NH

Complaint narrative:
Hello, Hope someone can hear my cries and help me with this "  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1800.00}. 
I've called XXXX  and TransUnion asking them to remove this XXXX  they refused. I tried to contact XXXX  and asked how can I resolve this? They want me to pay for something I have no knowledge of. I lived in Florida for a few years I found out Florida is very high and # 1 when it comes to stealing other people Social security number. I had to put a freeze on my credit at one time I now removed the freez. 

Thank you, XXXX XXXX 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 2020-10-23 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: Block, Inc.
State: MI

Complaint narrative:
I noticed 6 unauthorized transactions from XXXX I didn't do. I first contacted cash support in XXXX, never received a response. I contacted cash support again in XXXX. Finally received a response so I sent the necessary info but never received an response after that. I contacted once more in XXXX. Sent the necessary info again an was told that 2 of the transactions could be disputed because it was over 60 days but if you follow the timeline I been trying to get help well within that 60 days time limit. The only reason it went over 60 days is because either cash app support never responds or they take weeks to respond. The Cash App manager told me to contact XXXX about the charges which i did but 5 of the charges orders have been delivered so the only route to getting my money back is through an dispute which my card company  refuses to do. XXXX was nice enough to refund me for one of the transactions since the order was never delivered but the other 5 cant  since they were delivered. The cash app manager has been giving multiple responses/switching their reasoning on not helping on why he/she cant help me and now im 100 % sure she/he will say the 4 transactions in XXXX cant be disputed now because it been over 60 days. She/he doesnt understand the difference between authorized and unauthorized orders. Since I have legit orders with XXXX she/he feels like the unauthorized orders cant be disputed which makes zero sense. I was also told I was already refunded for the transactions in question but if you look at the bank statements it proves that not to be true. I was also double charge for the same unauthorized transaction twice. One of XX/XX/2020 and also again on XX/XX/2020 with the card I already reported stolen months prior. He/she doesnt even want to help with XX/XX/2020 transaction. I feel like Im being played with and not being took seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I've been a chase member for almost 2 years maintaining 100 % on time payments while never getting close to my limit. one day i looked and my account is closed yet processing multiple unauthorized payments. i contacted multiple chase reps and noone had an answer for me. Ive never breached my side of the contract but they certainly have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I had an account with capital one to help build my credit. Now I always made my payments on time, I paid them early and paid my balance on full everytime. Now there was a few times where for some reason one of my banks didn't process my payments correctly causing my payments to be reversed. I work at a contact center for a bank as a supervisor and I know the process of the bank closing an account if they deem the client a risk. The bank I work for provides communication to the client to give in a way warning to the client that the bank may end up closing the account if they keep having payments reversed. After I made my payment in full after the payment got reversed my account was closed. When I called the first time to find out why I spoke to a rude supervisor trying to find out the process of capital one providing warning to their clients before an account gets closed. The supervisor couldn't give me a straight answer and in a way kept  blaming me for what happened. I requested to speak to their supervisor but what told that with capital one that's the highest it will go and won't go any higher which is ridiculous and horrible customer service. I called back and spoke to another supervisor and was informed by that supervisor that capital did mail a letter on XX/XX/2020 but that it was going to take 7-10 business days which is ridiculous because my account was closed on the XXXX which is exactly 7 days after the letter was sent that has not been received. With the previous return payments not once did I ever receive any kind of warning from capital one stating that if I had another return payment that my account would be closed which Is really frustrating. If I was made aware that if it happened again my account would get closed then I would do what ever I can to make sure it didn't happen again but capital one sets up their clients for failure without giving any warnings or assistance until after the fact. Never going back to capital one and never going to recommend capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have requested to see Verified record of Experian and XXXX  files. 609 ( a ) states information ON FILE ; sources ; report recipients. Every consumer reporting agency shall, upon request to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This information should be in the credit bureaus files when they put this information on your credit report. I was instructed to contact the creditors for, all documents. Therefore they are reporting unverified accounts. Because this information should be stored in the credit bureaus file and in their computer database on every consumer.

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 2020-10-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX I had not been able to make my payment due to the Covetous which I called in and explained but they still marked my XXXX payment as delinquent and 30 days past due which dropped my credit score from XXXX to below XXXX that's 132 point drop in one month how is that even legal in any way now I can't move into a house no one will rent to me and I'm XXXX and I don't know what to do. It took me all year to get my credit up now, it took one month to destroy it  especially when I was able to make my payments in XXXX and catch up on XXXX and XXXX and current to today 's date

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 2020-10-23 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: SC

Complaint narrative:
I have requested to see Verified record of XXXX  and Transunion files. 609 ( a ) states information ON FILE ; sources ; report recipients. Every consumer reporting agency shall, upon request to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This information should be in the credit bureaus files when they put this information on your credit report. I was instructed to contact the creditors for, all documents. Therefore they are reporting unverified accounts. Because this information should be stored in the credit bureaus file and in their computer database on every consumer.

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 2020-10-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have reached out to Experian about a problem with my credit report and they continue to not examine the facts. Here are the Facts. Section 809 { B }, 15 U.S.C & 1692 { B } makes it clear my rights to  request full validation. XXXX  XXXX XXXX # XXXX has not validated the debt nor have they sent me any information saying this account and debt is even mine. So how on earth did Experian verify the information as accurate when XXXX  XXXX will not even respond to my request? As Section 809 { b } states it is my right to request full validation and they have not provided therefore Experian is required by law to delete at once. I requesting to have XXXX XXXX   removed from my account ASAP. 

I have also reached out to Experian on XXXX XXXX XXXX. I have sent more than 6 letters to XXXX XXXX All certified mail which Experian has on record. XXXX XXXX refuse to even respond to my request of validation as the law allows in section 809 { b } I have ask them to several questions that  XXXX was unable to answer and it appears they have mixed me up with someone else as now they are reporting this account as paid in full. I am now requesting Experian to remove this account from my records as this account is not accurate they are unable to verify or validate this account. Its clear this is error. The law makes it very clear that collection companies must report accurate information to credit bureaus and Credit bureaus must report accurate information. If they can not it must be Deleted.

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 2020-10-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have reached out to Equifax. My problem is XXXX XXXX XXXX XXXX collection company for XXXX  XXXX XXXX never Validated the so called debt. I have sent repeated letters for them to provide proof that I owe what they say I owe. They have sent me absolutely nothing! Section 809 B makes it clear that they must validate the debt. They did not send me anything because they have no proof I owe what the say. They claim there client the so called  original debtor was XXXX  XXXX XXXX. I do not have gas. I live with my momma. So how is it I owe you this money in the amount of {$280.00}? Provide competent proof { which you cant cause it does not exist } or simply Delete this account as the law states. 


XXXX XXXX XXXX is allowed by Equifax to break the law. I have sent more than 6 letters to XXXX XXXX All certified mail which Equifax has on record. XXXX XXXX refuse to even respond to my request of validation as the law allows in section 809 { b  } I have ask them to several questions that XXXX was unable to answer and it appears they have mixed me up with someone else as now they are reporting this account as paid in full. I am now requesting Equifax to remove this account from my records as this account is not accurate they are unable to verify or validate this account. Its clear this is error. The law makes it very clear that collection companies must report accurate information to credit bureaus and Credit bureaus must report accurate information. If they can not it must be Deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Mortgage Amount : {$53000.00} Huntington Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line.

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. 

They merely suggest court and contempt of court charges which actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can. 

Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay. 

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. 

Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at the time of the signing. They should allow for amendments to be made if something changes too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
First Horizon bank on XXXX XXXX, XXXX tn XXXX, yesterday XXXX between XXXX. 
Huge lines outside at drive through, first I asked for cashier check from my business to another business, bc I have personal account ... she said yes and sends withdraw slip. I filled out everything including my business and details on the back how to make cashier. Id and debit card already in.

After few minutes shes can not make it from a business ... ok just give me cash, I asked first, Im late!

After few more minutes she asks my ssn, told her not normal to tell ssn in parking lot for everybody to hear! Ssn is on file! Anyway I gave  ssn. After a while she goes about some form for irs bc over XXXX ( was XXXX ) ... ok Im very late! 
After more minutes asks occupation ... dont have one, just need my money! Shes asked if retired ... no, dont need occupation to get my money!

Other customers outside yelling at them bc is closing time!

Nothing for many minutes so I call ... asking what is happening with my cash ... shes saying no cash without occupation! Finally I get mad and told her that she knew my business name, wrote on back of the slip, and shes trying everything not to give my cash! Now they closed and even after yelling twice my occupation and business name/address she sent my card and id out! Completely ignoring me outside! I had to live to see a teller doing whatever she wants with my money and my integrity!

Now I know how many hundreds I lost being late ( late fees arent  cheap at XXXX for my dealership ) so to show my disgust I put tube on floor ... filming the window trying to get a face with this humiliation ... no time bc security guy shows and blocks my car, standing in front of my bumper! Very angry asks me to pickup tube, I asked if there is a law ... littering ... so thats trash? No! Ok so nothing to talk about!

Scene is illogical bc can not open the door when door blocked sitting next to tube, and can not reach it sitting in the car ... this was another way of humiliation!

I keep asking security guy to move and let me go, and explain that they refused to give my money and thats unacceptable ... he keeps saying to pick it up, and that I didnt give info they requested ( so security is playing her dishonest game ) ... said no and for last time clear the front of my car! I start car and start creeping forward, he  doesnt move, front bumper touched his leg and I stopped ... hes reaching for his XXXX ... I yelled at him to stop or hell XXXX  XXXX  XXXX have to defend myself! He stops and move, after more yelling ... I explained about the lawsuit coming and hell be part in it. 
Finally I can drive away from one of the worst 40min in my life.

Company response to consumer: Closed with explanation