vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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: SC

Complaint narrative:
Hey there! I originally saw a personal loan amount of XXXX XXXX  from XXXX XXXX on my credit report in XXXX of last year. I have disputed non stop with all credit bureaus, called the loan company that has used my information fraudulently to open an account under my information. It had dragged my credit down from a XXXX to now a staggering XXXX. It is effecting my life and I have had to have my mother co-sign to finance my vehicle after my lease. The whole point of my lease was to build my credit. Oh well. I have disputed with all Bureus and identitytheft.gov, and through some research I have found yall. Whoever this person is has closed the account and now has apparently paid some of this loan off. XXXX also temporarily closed the account after my first dispute. My credit went from XXXX originally, to then a XXXX on the first drop. I noticed the fraudulent account, disputed and boom back to XXXX. I thought okay maybe transunion is helping me then next month or so huge drop to XXXX. XXXX points. Then XXXX, now XXXX. This is just a nightmare of an experience. The pics I provide will show the drops and whatnot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize 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 non-monetary relief
Consumer complaint received 2023-03-01 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: CA

Complaint narrative:
On XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: NV

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/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 2023-03-01 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: NV

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ready Capital Corporation
State: LA

Complaint narrative:
XXXX sent my mortgage company XXXX payments that shows they been cashed and only XXXX of XXXX payments has been applied to my mortgage. I have made several phones calls with my mortgage company and my issue still not resolved. 

Missing payments : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex was offering a XXXX bonus points promo for spending {$4000.00} within the first six months of having the AMEX gold card. I opened the card in early XXXX and met the spend limit by the end of XXXX. The points were supposed to be credited after meeting the spend. I never received them. I have contacted AMEX a half dozen times. Each time they say they're investigating, and tell me the investigation will take another two weeks. They have told me there is a need for a new investigation every time I have contacted them and have continued the pattern for almost three months. They have confirmed I should have received the points, but each time they tell me I will get them in two weeks. I check back after two weeks and they say " we don't know why you didn't get the points, we need to conduct an investigation that will take another two weeks ''. This has occurred XXXX separate times now. 

I recently filed a CFPB complaint, and they said they'd get back to me. It has now been a month since the investigation from the CFPB complaint was opened and its still hasn't been resolved. It is clear AMEX is giving me the run around hoping I'll forget.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HoldCo LLC
State: CT

Complaint narrative:
Received an email from XXXX on XX/XX/23 for {$500.00} invoice. I called number on email to dispute the item. Gentlemen answered and advised he would look into my XXXX acct. We got disconnected and he called me back from another number XXXX. He proceeded to advise hackers were in my acct laundering {$20.00} XXXX in my savings acct. He also advised XXXX were opened in my name at my bank, sent me screenshot. He instructed me that I had to take the $ XXXX cash out so that the funds can be sourced. He advised I would get reimbursed via bank check which an image and confirmation were sent to me. He said if I didnt act accordingly, IRS and Federal Trade commissions would report my acct. I withdrew the cash and went to 2 Bitcoin ATMs per his instructions. He sent me XXXX XXXX to route funds to. Total of {$17000.00} was deposited. {$100.00} bill went into an ATM but never accounted for. Due to limits on the machines, he then instructed me to go to a store to purchase $ XXXX in gift cards that could be traded for the cash owed. I purchased 4 {$500.00} XXXX gift cards. I had asked him how this could be considered legitimate. He became frustrated and threatened me that if I dont follow instructions I would be reported and bank check would not get deposited into my acct. He then instructed me to take photos of each front/back and send to number. He kept me on the phone the entire day accessing my cell via any desk app that he told me to download. During the course of the day, he also had me do test transactions on my XXXX XXXX resulting 2 transactions {$220.00} & {$220.00} withdrawn from my checking acct. I received text msgs confirming cancelled transactions from XXXX XXXX 
I was panicked and nervous the entire day due to the threats, msgs, emails and promise of getting my funds back. 

I finally realized this was a scam when he instructed me to delete our text exchange. Instantly, I placed him on hold and contacted my bank to report this. My bank instructed me to go to the police. My husband and I spoke with Officer and their IT agent. Complaint # XXXX was filed, I need to get a copy once ready approx Fri, XXXX. Calling office tomorrow XXXX. IT agent stated XXXX address on the XXXX XXXX receipt can possibly be traced. He would try to investigate but no guarantees. The officer and I called the number on the Bitcoin receipt to report this issue. We advised the gentlemen all of the details. He advised since this occurred outside of 30-60 min there was nothing he could do. I requested to speak to a Manager. He advised his Team Leader XXXX XXXX wasnt available and would call me back that evening. No call ever received which I feel is extremely neglegent given the amount of money and layered scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Hello, I am writing to dispute the negative items on my credit report. Specifically, I am disputing the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these items are inaccurate and unfairly damaging my credit score. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these items and request that they be removed from my credit report. 

I have never been 60 days late on my payments with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . In fact, I have always made my payments on time and have never missed a payment with any of these creditors. 

Furthermore, I have never had any dealings with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX. XXXX, XXXX. I have no knowledge of these accounts and believe they may be fraudulent or a result of identity theft. 

Regarding the charge-off account with XXXX XXXX, I have made several attempts to resolve this account with the original creditor but have not received any response. As per the FCRA, a charge-off account must be removed from my credit report after 7 years. The date of first delinquency on this account was more than 7 years ago, and therefore it should have been removed from my credit report. 

Additionally, I believe that the inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are unauthorized. I did not authorize these inquiries and have no business dealings with these companies. 

In accordance with the FCRA, I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or fraudulent. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket mortgage promised me a rate lock of XXXX with XXXX points paid on a refinance for an investment property. 

The banker I was dealing with put this in writing to me; and made several mistakes in the process ( apparently ). 

First he misunderstood the cash out allowable percentage ( thought it was XXXX vs XXXX ), had asked for documentation multiple times that was already provided and he missed, said he sent me emails/loan estimate that never actually came through, and at the end another broker had to call me and clarify his mistake since he was applying this under an FHA loan for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2023, I received emails from Bank of America stating that a new account has been opened and they were verifying my email address. I do not bank at Bank of America, nor did I open an account. I forwarded the emails to the email provided by Bank of America. 
On XX/XX/XXXX, I received an email that the bank account that was open was now closed. 
On XX/XX/XXXX, I received a check for {$450.00}, which was the leftover funds from the account. 
On XX/XX/XXXX, I talked to the fraud department at Bank of America. The representative stated the account was closed and they had marked it fraudulent.

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 2023-03-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, the loan servicer XXXX XXXX created a new escrow analysis, stating that they anticipated the county tax disbursement for XX/XX/XXXX is {$9100.00}, and school tax disbursement for XX/XX/XXXX is {$5200.00}, based on XXXX XXXX county tax {$4400.00} and school tax {$5200.00}. Loan care 's escrow department mistakenly calculate the County tax for XXXX as a combination of XXXX XXXX XXXX tax and school tax. With addtion of school tax, XXXX XXXX created a shortage of {$1700.00} as of XX/XX/XXXX, then increased the escrow payment from {$1000.00} to {$1400.00} and another prorated shortage of {$140.00}, totalling a {$560.00} increase in escrow payment, despite of the county has not updated the XXXX 's assessed value or property bill yet. This is totally XXXX XXXX 's calculation mistake. As soon as I received the incorrect escrow analysis statement, I called XXXX XXXX  to correct, no actions was taken on XX/XX/XXXX. I then made 4~5 phone calls talking to different customer representative, they all told me the ticket is handling by the escrow department and soon will be update. As of XX/XX/XXXX, XXXX XXXX still does not want to cure this mistake and has been charging me the {$560.00} overage on escrow for XX/XX/XXXX and XX/XX/XXXX 's payment. My payment history is ALWAYS one time with XXXX XXXX, no late payment at all.

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 2023-03-01 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: NE

Complaint narrative:
XXXX Account # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit profile. 

Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 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. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Deb Collection Practices Act 15 USC 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is a recurring ACH debit on my Chase checking account to a XXXX XXXX account. 

{$4000.00} every month on the XXXX of the month In order to cancel this Chase wants to charge a {$30.00} fee. To push a button. This is egregious

Company response to consumer: Closed with explanation