vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: VA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights. 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 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
Consumer complaint received 2022-10-04 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: TN

Complaint narrative:
I am writing this because I am a victim of identity theft, and I am demanding that all inaccurate and incorrect information included on my Identity Theft Report and this complaint be removed. I submitted a complaint to the Federal Trade Commission already with no response. Based on my knowledge of the FCRA, 15 USC Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer information that resulted from an alleged identity theft, not later than 4 business days after the date. 

Because of this law, XXXX and Transunion are currently in VIOLATION of this law and are required to delete all negative items detailed in this report and/or pertaining to a dispute via their portal. As a result of their negligence Ive since been denied for new lines of credit, services etc. This is a directly affecting me and costing me more money and time.

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 2022-10-04 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: TN

Complaint narrative:
I am writing this because I am a victim of identity theft, and I am demanding that all inaccurate and incorrect information included on my Identity Theft Report and this complaint be removed. I submitted a complaint to the Federal Trade Commission already with no response. Based on my knowledge of the FCRA, 15 USC Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer information that resulted from an alleged identity theft, not later than 4 business days after the date. 

Because of this law, XXXX/Equifax and XXXX are XXXX in VIOLATION of this law and are required to delete all negative items detailed in this report and/or pertaining to a dispute via their portal. As a result of their negligence Ive since been denied for new lines of credit, services etc. This is a directly affecting me and costing me more money and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
ACCOUNT/LOAN NUMBER : XXXX XX/XX/XXXX : Completed refinance with XXXX XXXX sold my mortgage to XXXX. 
XX/XX/XXXX : XXXX XXXX sold my mortgage, DBA as Nationstar. 
XX/XX/XXXX : Escrow change increased to {$3000.00} ( no explanation from Mr. Cooper ). 
XX/XX/XXXX : Escrow adjustment increased to {$3000.00} ( Again no explanation ). 
XX/XX/XXXX : I set up Autopayment through Checking account in XXXX of {$1300.00} ( actual monthly payment {$1300.00} ), effective About XX/XX/XXXX - I got alert from Crdit Bureau companies, initially XXXX and my bank and XXXX ( since I set up fraud alert ) of change in my credit. I login into these accounts only to discover that it is from mrcooper, my mortgage company. 
XX/XX/XXXX : I contacted mrcooper. Initially, was told of escrow adjustment " that XXXX did not transfer correct amount, and the crease is due to that adjustment. Further inquire, was for me to contact their dispute office via emailing for late fee charges. I made double payment in XXXX and XXXX through direct payment. 
XX/XX/XXXX : I wrote to XXXX to dispute the late fee and issues of escrow increase due to XXXX allegedly late transfer of my mortgage more than 10 months. 
XXXX XXXX : I received a letter that mrcooper can not waive the late changes because of late paymnet of XX/XX/XXXX. I verified with XXXX of any insufficient fund in my account, which was different from what I was told on the phone. 
XXXX XXXX : i further reached out to mrcooper, this time, I was told of due to escrow adjustment, there is increase, and mrcooper pro-rated escrow and I was advised to reach out to my county Assessor office. I called them, and I was told that my home annual assessment comes in XX/XX/XXXX. Could dis be deception or gimmick from mrcooper mortgage. 
Resolution # ( without taking responsibility ) : XXXX ; XXXX, XXXX XX/XX/XXXX : I filled for removal of the negative credit report since mrcooper, and its agent failed to furnish me any information of notice before negative information is reported and failed to furnish information notice information after information is reported. XXXX XXXX, they sent me letter that they will not remove the negative report since it is they responsibility to report of no mortgage payment was received. Yet, I told them that they are autopayment, and they have not furnished me adequate and convincing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CT

Complaint narrative:
On XX/XX/2022 I wrote the XXXX and Equifax about reporting inaccurate information on my credit report that needed to be deleted from my credit report with no result from them then wrote them again on XX/XX/2022 stating that the following accounts were still reporting inaccurate and unverifiable information on my behalf. 
XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX these accounts are damaging to my credit and credit profile. I've been denied housing do to these inaccuracies and need this to be rectified by being deleted it is only fair at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hyundai Finance received my request for a title transfer on my leased car on XXXX. I moved from XXXX to XXXX  and need to register my car in the new state. It is now XXXX and after speaking with an additional two representatives from Hyundai today, there is nothing they can do and I need to keep waiting. I'm on my second temporary registration in XXXX  and will be unable to drive the car I'm paying for when that registration expires next week. It is unacceptable that there is still no update on the status of this issue. They also have the incorrect address for my DMV and refuse to update it, so I'm doubtful that it'll ever be sent to my dmv.

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 2022-10-04 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
A company identifying themselves as : TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Placed a fraudulent collections account on my credit reports in the amount of : {$670.00} And claimed the original creditor was : XXXX XXXX XXXX XXXX ( Utilities ) I never opened any such account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: FL

Complaint narrative:
My account was closed with Discover due to them being unable to verify my personal information on my account. I have not been reached regarding this matter and I feel that Discover canceled my card prematurely, without taking any further steps to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: FL

Complaint narrative:
THESE ACCOUNTS WERE POSTED WITHOUT MY CONSENT, I HAVE THE RIGHT TO PRIVACY ACCORDING TO THE FAIR CREDIT ACT. USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY, 1681 USC 604 SECTION 2 STATES A REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONCENT, THESE LAWS WERE BROKEN AND MY RIGHTS VIOLATED XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX THESE ACCOUNTS WERE FURNISHED WITHOUT MY WRITTEN CONCENT.

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 2022-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I received a XXXX credit card that I did not apply for. I also received a bill for transactions of {$450.00} and $ XXXX XXXX XXXX in New Jersey on XX/XX/2022. I did not make these purchases. I called the phone number on the bill and the lady told me to report this. I found cfpb site when I search online for fraud. The name is spelled wrong on the bill but the address is mine. So this is where we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. These accounts has been reporting inaccurately.

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 2022-10-04 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. These accounts has been reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have been trying to contact bank of america about the credit card i had with them some years ago, in the amount of {$5000.00}. I called them about two months ago to see if I could go ahead and settle since I recently sold my home. They informed me that the account was turned over to someone else, and then that company said it was turned over to XXXX XXXX XXXXXXXX. I called XXXX XXXX XXXX and they informed me I told them not to contact me, which was not true at the time. I filed a complaint against XXXX XXXX XXXXXXXX and bank of america to the cfpb and XXXX. bank of america on two occasions did not want to comply with the XXXX  on the last occasion, they rejected the complaint from the XXXX. XXXX XXXX XXXXXXXX never even replied to the XXXX  complaint i had against them. bank of america also informed the cfpb nearly a month ago, that they would contact me directly concerning the credit card account, but they never did. I even called them and each time I called, no one answered and it would also go straight to voice mail. I have been trying to get the credit bureaus to remove this account from my reports since no one at bank of america will talk to me. I am a XXXX veteran and I must report bank of america and XXXX XXXX XXXXXXXX to the department of justice and to my congressman if they will not have the credit bureaus to remove this item from my credit report. this is getting ridiculous because I am trying to buy a house and I cant now

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 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Greetings, I called Penfed customer service to report unauthorized activities in my account and the first agent that took my dispute was very kind and assure me that I will be getting my money back. Then I receive an email from the security department that if I had authorized some transactions and I told them no. They saw the discrepancy with the account because they with withdraw {$300.00} and then refunded me and then charge me again for three different {$300.00} dollars transactions, {$500.00} and {$100.00} I spoke with the security department and they told me that they will transfer me to customer service after being on the phone with them for over one hour. 
The last agent I got then tried to treat me with an attitude, and they have not refunded my stolen money, and that is shameful because even one of the agents told me that it is weird.

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 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been in contact with the CFPB before with XXXX XXXX. He was very helpful and told me that he understood where I was coming from in my situation he then reformed my dispute claim as the bank put a bunch of charges I did not authorize them to put on my claim they claim that from their phone call I did however they refused to let me listen to that phone call. I was told by one of their agents and XXXX that my case was reviewed and switched to only three charges and which those are the ones I only wanted it on there from the beginning I have three charges two of which I got a fraud text message from Fifth Third themselves Which says is this fraud and I answered yes. I also have another charge from an XXXX supermarket right across from this location of this charge which is in a very terrible neighborhood of XXXX far from my house which is also not consistent with any of my spending patterns. Fifth third bank and XXXX confirmed that my claim was down to three charges now and will only be reviewed for those three however they decided without even telling me that they are going to stick with the original dispute based off the phone call which they still will not let me listen to even though I have proof from them that says They detected fraud and I agreed it was fraud when the charges were made and they still allowed the card to be active after I said it was fraud. I have the text message I will attach I also have a police report and XXXX gave me the locations of the charges which show they are in an area where I have never spent money before and are not consistent with my spending patterns. I am on the verge of taking them to court because I can not believe the amount of times they have lied to me they refuse to review my details that I have sent them which show that they detected fraud and I confirmed it was fraud just based off a phone call that I made originally that they claim I authorized all those charges however I never did and they refuse to let me listen. This is my last straw before I take them to court with my sufficient evidence because there is no arguing a text message from them that asks Me if it was fraud and me confirming that it was. I was also lied to by one of the representatives when I had called and asked them to confirm that it was just three charges on the new dispute and she confirmed however they still went with the old dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been disputing this account for almost a year both with the credit bureaus and creditor and is very unsuccessful. I requested for reinvestigation and documents how the investigation was done and i have not received anything back as yet. I filed a police report and gave them all the documents to help with the investigation and also mailed them twice, it came back as undeliverable. They fail to investigate the 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 2022-10-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts and inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am a XXXXXXXX at XXXX University and was part of a scam by someone posing as a professor. He paid me with a bad check to cover expenses and salary. I deposited the check and then as instructed, used XXXX to pay for expenses. I became aware from the University that it was a scam and I alerted my bank Wells Fargo that the check was bad and that they needed to stop the XXXX and halt the deposit of the check. I contacted Wells Fargo on XX/XX/XXXX via phone to the fraud department. On XX/XX/XXXX, Wells Fargo froze my account without reversing the check or stopping the XXXX payment and used my funds to cover the check, wiping out my account. Wells Fargo refuses to do anything.

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 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I noticed a hard inquiry on my credit report that I had not permitted nor did I know the company. I set about calling XXXX XXXX XXXX who was listed as a hard inquiry on Transunion. This institution took my information and confirmed that I had never applied for nor had an account there. I asked her to email me that information but she said she " couldn't ''. I chatted on line with a dispute specialist from transunion who suggested I file a POLICE REPORT! or ... .write to you. Why SHE couldn't request the info from the bank I do not know. Complaints about hard inquiries are ONLY handle through USPS. No calls, no online forms, and no email. At this point I'm feeling very frustrated and confused. I'm working hard to get my credit corrected after divorce, retirement, and XXXX. Things on my reports I owed I have paid. Now, there are things that are scandalous! As I continued to work on the XXXX side of my report, low and behold, a hard inquiry for the same date ( XXXX ) but for a DIFFERENT COMPANY! XXXX XXXX. I call them, they tell me the inquiry came from XXXX XXXX XXXX XXXX. Never heard of them either. I call, low and behold, they are connected to the scam artists I hired to help me with taxes ( they didn't ), called XXXX XXXX XXXX. I feel this whole thing has cost me money, time, and half my sanity. The folks XXXX XXXX XXXX were useless and charged me for nothing, now, without my consent there's a hard inquiry. They swear they only do soft ones, but I can read. Please help. 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