vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received an American Express gift card for XXXX. I tried to use it online for a purchase of XXXX and it was declined. I was able to use it after a few tries at different online vendors to add XXXX $ to my XXXX account, but after that transaction, the card is declined everywhere I try it. There's XXXX left on the card that I can not use at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX was over charging my escrow for 2 years on 5-6 occasions. After requesting reasons for doing so, the office of the chairman provide not once but twice signed documents that had false information on my loan history. Dozens of attempts were made by a few parties to get it straightened out. The bank could not provide me with a detailed breakdown of all payments taken rightfully and wrongfully. I consulted an attorney and have been waiting for corrected balance and resolution. I stopped paying the bank in order to prevent the bank from stealing more money from me. Now, while this dispute is still unresolved, they are falsely reporting on my credit saying I am in default, when the truth is the payment stopped until they can return all money stolen, provide true history of my loan, detailed payment history and where all funds taken were allotted, and all late fees and compounding interest removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My identity was stolen in XXXX and XXXX. I contacted upon discovering that online purchases had been made, but not by me or with my consent. The XXXX XXXXXXXX stated that there was nothing that they could do to help me. I called consumer reporting agencies also known as the credit bureaus. I was passed around from agent to agent. No resolution was reached. The fraudulent accounts were eventually removed from my reports. However, upon attempting to purchase a home. I discovered that accounts have reappeared on my consumer reports. I need this information removed permanently.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: DC

Complaint narrative:
Inquired to Xactus as to why they kept showing up XXXX Credit Report as recent as XXXX, XXXX, 2023, as I have never taken out a Mortgage and that I am unemployed and live in an apartment and that until recently I was almost homeless. ( XXXX ) the clerk I spoke with provided me with information to a company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX, phone number [ ( XXXX ) XXXX ] ; [ ( XXXX ) ] XXXX. The information XXXX from Xactus provided was inaccurate and I had to search for the correct information online. 

I contacted XXXX XXXX XXXX on XX/XX/2023 and was informed by a woman named XXXX that they are a debt consolidation company and do not deal with mortgages. That in XXXX I contacted them for debt consolidation but did not qualify and they denied me debt consolidation. I told her that I felt there was something fishy with Xactus and was placing an investigation on them. The information that XXXX from Xactus Provided me was XXXX XXXX XXXX XXXX, TexasXXXX  ; phone ( XXXX ) XXXX she lied about XXXX XXXX and involved them into something they had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
By letter dated XX/XX/2023, I notified the mortgage company that the Escrow Account Analysis, dated XX/XX/2023 was incorrect and sent them a copy of the XXXX XXXX, Ga. Assessment Notice, dated XX/XX/2023. The taxes decreased by {$650.00}. Which should have reduced the escrow amount payment. Instead of decreasing the escrow payment, they sent me a new Analysis increasing the escrow payment by {$21.00} per month. I sent follow-up letters on XX/XX/2023, XX/XX/2023, and XX/XX/2023. All I have received from them are acknowledgment letters of each of my letters. It would seem that four months is sufficient time to correct an error. I have received no correction to the escrow account and am paying the wrong amount each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MO

Complaint narrative:
XXXX app is holding my money without access because of limits they have. I should have complete access to all my funds at anytime. Their customer service was rude, disrespectful and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK
State: IL

Complaint narrative:
I had an application for a mortgage with XXXX XXXX XXXX XXXX and I was looking at better terms and interest rates and before I put in an application with discover Bank I specifically asked them if there was a revocable trust on the property whether that would affect the loan and they said no. 

I later get a letter denying the mortgage. The effect of making my application decreased my credit score although it is and has been consistently excellent. 

Today I got an inane letter saying Discover was complying with the law by giving me the reason. 

Reason one says our credit decision was based in whole and in part on information obtained in the report from consumer reporting agency listed below. They list no credit reporting agency so to paraphrase the are saying " somebody somewhere influenced their decision. 

Second point it says the decision was based on other unnamed sources or an affiliate.

My complaint is that Discovery Bank should have made the credit report that they based the denial of my loan and name the affiliate or the outside source which influence their decision so that I can approach them to find out what their problem was. 

Please note XXXX XXXX XXXX XXXX had no problem processing my loan at a little bit higher percent so they could not have been a major credit report or affiliate or associate that cause XXXX XXXX XXXX XXXX to deny my mortgage In reviewing the reviews for discover Bank this is apparently a common practice that they cancel mortgage applications for no apparent reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER 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 non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You are reporting incorrect payment information for account XXXX XXXX XXXX XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.

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 2023-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have reached out to Experian several times to dispute my personal information. Experian has continued to report addresses, and names that are inaccurate on my credit report as can be adversely affecting me. I only have one name, and one address.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a notice that my credit was being run, I never gave permission for them to do so nor did I apply for a credit card with them. They should not have inquired without my permission. 
This is the information below that I was notified on : XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX - Complete Dept. Stores No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX # XXXX. 
This account has violated my rights according to FCRA rules and regulations. 
A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER 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 non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. 
XXXXXXXX XXXX XXXX XXXXXXXX # XXXX has 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 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 information is accurate.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

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. 
XXXXXXXX XXXX XXXX XXXXXXXX # XXXX has 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 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 information is accurate.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Each of my payroll checks are being placed on five day holds. If it were one check that would be one thing, but for every check I deposit to suddenly be placed on 5 day holds feel discriminatory. I am the book keeper for the business my payroll checks come from. I checked our business checking account. Every check Ive deposited has cleared that account and been deducted from its funds, my credit institution on the other hand, has however refused to credit me what is owed and been approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts on my credit

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 2023-10-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
On XXXX to XXXX there had been numerous charges from XXXX that I didnt make. I made a police report and still have not had a resolution nor a credit.

Company response to consumer: Closed with monetary relief