vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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: TX

Complaint narrative:
I was a victim of identity fraud. 
Below is the account I disputed. 

Because this account is not mine I would like it deleted off my report. Fcra violation. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
There is incorrect information on my report. My wife has the same inaccurate listing on her report as well. We sold our house in XXXX of 2021 so there was no foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OR

Complaint narrative:
I tried to transfer my money to my bank and they locked it for fraud said Id get an email in XXXX and now its been almost a week and still nothing.thats all my money for bills and my kids

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account named XXXX BANK with an account number # XXXX Opened on XX/XX/2021 has inaccurate late payments reported from my credit report. This account was paid as agreed on time and violated 15 USC 1666B for reporting misleading and inaccurate late payments from 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
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
On XX/XX/XXXX I applied for a credit card with XXXX  XXXX XXXX and authorized an inquiry of my credit report. One was made at that time to my Experian credit file. The application was declined and no further relationship with XXXX XXXX XXXX was established. 

But then XXXX  XXXX XXXX made TWO additional inquiries to my Experian credit report on XX/XX/XXXX and XX/XX/XXXX without my authorization. 

XXXX  XXXX XXXX was nonresponsive to my requests to remove the inquiries and Experian said they don't allow disputes to be made of inquiries.

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 2022-03-03 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: WA

Complaint narrative:
Equifax Your listing that XXXX XXXX  account # XXXX is closed however your still listing a monthly payment of {$330.00} thats a violation please remove this account immediately. Also XXXX is reporting 36 Months term and your reporting Monthly ( due every month ) thats also a violation please remove this account immediately XXXX is reporting Account Type - Detail Auto Loan and your reporting account type as Installment thats a violation please remove this account immediately. Your also listing High Credit {$7600.00} with a balance of {$11000.00} witch is more then your listed high credit thats a violation please remove this account immediately, there are also missed payment inaccuracies thats a violation please remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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:
I WAS A VICTIM OF IDENTITY THEFT SO THIS WAS ONE OF THE ITEMS. I SENT THEM A COPY OF MY IDENTITY THEFT REPORT AND I ALSO SENT IT TO ALL 3 MAJOR CREDIT BUREAUS BUT THEY STILL HAVE NOT DONE ANYTHING TO CORRECT THIS. I KEEP ON SENDING OUT LETTERS AND DOCUMENTS BUT THEY SAID THAT THEY VERIFIED THAT THIS IS MY ACCOUNT. I DON'T KNOW WHAT ELSE TO DO.

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 2022-03-03 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 WAS A VICTIM OF IDENTITY THEFT SO THIS WAS ONE OF THE ITEMS. I SENT THEM A COPY OF MY IDENTITY THEFT REPORT AND I ALSO SENT IT TO ALL 3 MAJOR CREDIT BUREAUS BUT THEY STILL HAVE NOT DONE ANYTHING TO CORRECT THIS. I KEEP ON SENDING OUT LETTERS AND DOCUMENTS BUT THEY SAID THAT THEY VERIFIED THAT THIS IS MY ACCOUNT. I DON'T KNOW WHAT ELSE TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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:
I WAS A VICTIM OF IDENTITY THEFT SO THIS WAS ONE OF THE ITEMS. I SENT THEM A COPY OF MY IDENTITY THEFT REPORT AND I ALSO SENT IT TO ALL 3 MAJOR CREDIT BUREAUS BUT THEY STILL HAVE NOT DONE ANYTHING TO CORRECT THIS. I KEEP ON SENDING OUT LETTERS AND DOCUMENTS BUT THEY SAID THAT THEY VERIFIED THAT THIS IS MY ACCOUNT. I DON'T KNOW WHAT ELSE TO DO.

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 2022-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One Bank transferred my IRA account to XXXX XXXX XXXX as of XX/XX/22. I received notification through the mail from XXXX XXXX that this had been done. I called Capital One IRA department and spoke with XXXX ID # XXXX on XX/XX/22. He claimed that Capital One is phasing out IRA 's however nothing online confirms this in fact the contrary. He also said Capital One mailed notification that they would be transferring my account. I did not receive this mailing. I am trying to call XXXX XXXX which disconnects you and has unreasonable call wait times. I still can not reach them. I like to know how it is legal to transfer an individuals funds without their consent. If I did not respond to the notification then my funds should have been returned to me. I would like to know what law gives Capital One authorization to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Persolve, LLC - Legal - Series 2
State: MS

Complaint narrative:
XXXX called me on a recorded phone call telling me that they have SOLD my information to XXXXXXXX XXXX XXXX  She stated that XXXX  XXXX XXXX has been sold. I did not give XXXX permission to sell my information. The XXXX went out on me on a bridge and they knew. I was told by the lady at XXXX if i wanted my information I would have to buy it back from persovle legal which I found rude as well as her attitude. All Im asking is that they settle this mess with persolve legal. I just this collection gone off my credit not in a negative way

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
We have been charged interest on our XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX, statement even though we have paid our bills in full before the due date every time. I have called at least 6 times alerting them to this issue usually spending over an hour on the phone each time. They have verified each time that the interest charges are not legitimate. They have credited me all but the last statement in XXXX and I have called 4 times regarding this bill alone. I have asked that a supervisor call me back on at least 4 occasions, to let me know the problem is resolved, and no one has returned a call. I have alerted them on the last two calls that I have no choice but to report them as they are aware of these interest charges they are fraudulently applying to my credit card and are doing nothing to resolve the issue and that if I am experiencing this issue it is likely other card holders are too. They refuse to give me anyone 's number to call so I have to go back to XXXX one each time I call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received a letter from Suntrust, now Truist Mortgage. My original loan was with XXXX XXXX XXXX do not have an escrow account. I pay my own taxes and insurance every year on my own. SunTrust/Truist sent me a letter in XXXX, 2022 stating that they would be force placing insurance on my account in the amount of {$860.00}. I contacted Truist mutliple times in order to email my declaration page as proof of insurance. The email provided to me by the customer service representatives was incorrect, therefore they did not receive my declaration page. On XX/XX/2022, I contacted Truist again and stayed on the line until they verified they received my email. On XX/XX/2022, I received confirmation that they removed the {$860.00} from the force placed escrow account and acknowledged that I did not owe the money. On XX/XX/2022, Truist took not only my mortgage payment, but the {$860.00} in force placed insurance. This is the second time I have had a mortgage service company attempt to force place insurance on me. This is a major theft on the mortgage consumer. The companies force place these inflated insurance premiums, take our money, and create financial stress on the consumer. I have had to spend a significant amount of time in order to rectify this situation that was created by the mortgage servicing company. In the meantime, they have been sitting on my money, stealing the float and making millions of dollars off of this practice. This strips the consumer of valueable time and interest on our own money. This happens year after year. We are talking about 100 's of millions in stolen money and float that belongs to the consumer and mortgagor. It is theft plain and simple. There is multiple trillions in mortgage debt. The practice of force placed inflated insurance creates chaos for the consumer. There needs to be a deep and complete audit of this criminal practice. In addition to receiving my {$860.00} back, I want treble damages to compensate me for my time, lack of use of my money and all the chaos it has caused. Even when the mortgage company acknowledges the mistake, they take weeks to refund the money. Slick process for them, highway robbery for the 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 2022-03-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX a car keeps charging my credit card without my consent and chase bank keeps telling me it's not fraudulent. This car was returned back on XXXX on XXXX and my card is still being charged. A charge of almost XXXX was charged to my card on XXXX. I disputed with chase and they said it was not fraud and was charged back to my card in XXXX of XXXX. A new charge has also appeared of {$2100.00} and chase let that go through as well. A representative told me it was not fraud as well. I'll talked with another representative from recoveries department and they disputed it. But my concern is that it will come back again like the charge of almost {$500.00}. I've never seen anything like this in my life. Im never using a credit card or rental company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: VA

Complaint narrative:
Im accordance with the Fair Credit Reporting Act XXXX account # 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, also states that consumer reporting agencies can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: VA

Complaint narrative:
Im accordance with the Fair Credit Reporting Act XXXX account # 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, also states that consumer reporting agencies can not furnish a 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 explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Yesterday I discovered multiple transactions on my XXXX  XXXX Equity Line account which has been paid off since XX/XX/2021 with Sun Trust now Truist. I have spent over 8.5 hours on hold, in the branch, been transferred several times, disconnected and lost a full day of work and I am the only one employed right now in my family. All the transactions done are as follows : XX/XX/XXXX Telephone Advance {$10000.00} XX/XX/XXXX Telephone Advance {$10000.00} XX/XX/XXXX Telephone Advance {$10000.00} XXXX XXXX Telephone Advance {$10000.00} XXXX XXXX Telephone Advance {$10000.00} XXXX XXXX Telephone Advance {$10000.00} Total {$60000.00} Then on XX/XX/XXXX an advance via the web at XXXX to XXXX ending XXXX for {$96000.00}. Now the total outstanding amount is {$150000.00} all of which is fraud. None of these transactions were done by me or my husband and none alerts or anything transpired. 

I have visited my local branch and I have been working with XXXX XXXX XXXX XXXX and the branch XXXX XXXX. There has been an escalation but still nobody has been able to help. I am in the middle of a commercial refinance on a building I own in New York and this has a major impact on my credit. I need help in resolving this matter. 

I can be reached at XXXX Regards, 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 2022-03-03 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: PA

Complaint narrative:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3100.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Albert Corporation
State: GA

Complaint narrative:
A company called Albert sent me a debit card. I did not ask for the debit card, nor did I open an account with a company called Albert. 
My name is printed on the card. Also printed on the card is an account number. I have no knowledge of the account number, do not recognize the account number, and as already stated, have no knowledge of ca company called Albert. 
Printed in extraordinarily tiny print on the back of card is the following " Issued by XXXX Bank pursuant to a license by XXXX XXXX. '' I have no knowledge of a bank called XXXX Bank, nor have I ever opened or even applied to open an account with XXXX Bank. 

I sent an e-mail to Albert stating that is sent me an " unwanted '' XXXX and asked that it immediately close the account. Albert responded a few hours later that it would close the account. I also asked the following questions. 

1. What date was the account opened? 
2. How was account was opened? Did the identity thief affirmatively contact Albert or did Albert contact the individual who used my identity to open the account?

3. Does Albert have a social security number associated with my name and address?

4. What policies and procedures does Albert have in place to protect and permanently delete private information about me that it may have acquired from the identity thief?

Albert responded that I must file a police report, complete the FTC 's Fraud affidavit, and send a copy of my photo ID. 

Before I give Albert any information like a copy of my photo ID, I need to know that Albert is not a scam.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation