vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 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: FL

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please remove it 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 explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Home American Mortgage Corp
State: CO

Complaint narrative:
I applied for a mortgage with Home American Mortgage, a subsidiary or XXXX XXXX XXXX in which I felt pressured to obtain their mortgage due to the extraordinary incentives that the builder would provide. If we obtained a mortgage with Home American Mortgage for our new home we would get {$25000.00} off of the price of the house. I applied for the Mortgage on XX/XX/2022 and did not receive the required disclosures, including the Loan Estimate until XX/XX/2022 violating the three day initial disclosure requirement. I further was charged for costs I now understand I did not have to pay due to their failure to make proper disclosures to us. I feel this the practice by XXXX XXXX XXXX and Home American Mortgage to limit our choice of mortgage providers, with their extrodinary incentive of {$25000.00} to be a highly deceptive practice when they can not meet the disclosure requirements established for consumers to evaluate our right to choose an appropriate lender. We ultimately had to close on our mortgage with Home American Mortgage under discussions of them unlocking our rate if we did not close on the home. We were forced to purchase a home in sub par condition, at the threat of loosing our rate in an increasing rate environment where we would have suffered a long term financial hardship should we delayed the closing for the builder to correct the work.

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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Indie Technology DBA Found
State: PA

Complaint narrative:
XX/XX/2023 received a debit card from found bank today. Never applied for the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: IN

Complaint narrative:
Recently when viewing my TransUnion credit report, I noticed an unauthorized hard inquiry being reported by XXXX XXXX XXXX. This inquiry was made on XX/XX/2023. I ask that you investigate this inquiry and when it is revealed that this inquiry was not made by me I want it removed from my credit profile immediately.

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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to dispute inaccurate information on my Experian credit report. This report shows an outstanding debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX that does not belong to me listed by XXXX XXXX. This debt has been inaccurately reported in the past. I have disputed this before and it was subsequently removed from my credit report. However, it has now reappeared. This account does not belong to me and I request that you immediately delete it from my credit report. I Please investigate this matter and make the necessary corrections as soon as possible. Under the Fair Credit Reporting Act, I am entitled to a response within 30 days of receipt of this letter. Please send me written confirmation that this erroneous debt has been permanently deleted from my credit file.

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 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app keeps closing my account when I enter my social sercuity number and wont give me a reson why. 

My account is not negative to my knowledge and I dont have any information from when I did have an account or dont remember my last login information Cash app took my social sercuity number and use/held it for personal gain now I cant open an account without a reason of why its closed when I try to create a new one and a active one. They just closed my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Since I've had this card with Capital One Quicksilver, I have always made multiple daily purchases and multiple monthly payments. 3 weeks ago, I found that I had no availability to use the card and I called the company, and they insisted that because I make frequent payments, they needed me to get on the phone with them while they spoke to my bank to verify that I am the owner of my own bank account. Once this was done, they opened my credit back up to me. Since that time, I have not changed my spending patterns and I continue to make frequent payments. On the XXXX of XXXX, I made a payment of {$3200.00} on my account and since that time, my purchases have been denied due to " no credit available ''. My balance is only 1/3 of my credit limit. I called and spoke with " XXXX '' who said that my payment of XX/XX/XXXX ( it posted on the XXXX and went through my bank on the XXXX ) was " on-hold '' until XX/XX/XXXX, because Capital One wanted to be sure that my payment was good and not returned to them. I stated that this was absurd because my payments have never been returned and asked him why all of a sudden, they would do this. he was unable to provide me with any information and I asked to speak with his supervisor. He connected me to " XXXX '' who stated she was a supervisor and I asked there the same question. She stated that Capital One sometimes does this when there is a change in spending patterns or payments. I stated that she could look at my account and see that there had been no such changes. She then said, that sometimes Capital One would place an account on hold just to be sure the payment is not returned. She then said in the future, I should make sure that my payments are good and that I am not late with my payments. I said again, that is outrageous since I've never had a late payment with them, nor have I ever had a payment returned to them. She said that " honestly, Capital One will do this for multiple reasons, but we don't have access to these reasons. '' I said fine, then connect me with the person who does have access. She said I can't do that. I said you must be able to connect me with the person/department that makes these decisions. She said, no, these decisions are made in the back office and there is no way to contact them. She then continued to read from a script and would not stop talking from this script about how federal law allows Capital One to put holds on accounts. I tried to talk over her, but she would not stop reading from her script, to say that I understand they are allowed to do it. However, they are NOT allowed to avoid giving me a specific reason. Truthfully, I don't need this credit card. It is the principle of the matter- you can not do something that can harm my credit or good standing with no specific explanation. Can you please help me??? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely 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 non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2023-10-13 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: LAND HOME FINANCIAL SERVICES
State: OH

Complaint narrative:
According to the federal Credit act this creditor Has violated my rights On the fifth teen 8 c section 602 that I have the right To private. And it also states that I that a Creditor can not furnish an account without My written instruction. A tread creditor can not treat payment Or credit card account under an open Credit plan as late For any purpose.

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 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am infuriated, yesterday i got a voice message from Wells Fargo Fraud Department and their requested that I call them back which I did only to be passed from automated to automated response and eventually being kept on hold for over an hour to get a representative on the phone and finally gave up and hung up. It's XXXX now and I finally got a call back at XXXX today only for the bank representative to tell me that they have denied my fraudulent claim due to the fact they I was able to log into my online banking through out the periods of said transaction, this is their reason for denying my claim, insinuating that i must have seen this charges because I went into my account, they made they judgement based on insinuation of my awareness of my account being used which to me is absolutely benign. They was not even the decency to ask me any question regarding the log ins on my account the during the period and why i hadn't seen any of this transaction. I could feel XXXX XXXX XXXX as well as my XXXX XXXX going up as I was talking to this rep, and as a XXXX survivor who is pre disposed to XXXX XXXX XXXX my intensions was to stay calm n centered and blow up. After I told her the reasons I access the mobile banking and also what prompted to go through my accounts after seeing a video on XXXX that talks about bank hidden but heavily focused on Wells Fargo several malpractice which led me to discover unauthorized transactions. I had to step out side to cool my head and come back and call CFPB and I was suggest to put a claim. 
FYI I asked the rep if I can get documentation that supports their judgement and she told she will apply for some kind of appeal of this situation cause there's obviously no financial legal code that led them to their accusation, and I say accusation at this point because that's literally what their assumption means. 


Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : 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 2023-10-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hello CFPB, I am filing this complaint on the three credit bureaus. 

I am informed XXXX, XXXX and Equifax XXXX XXXX XXXX was result of Identify theft.. 

Each credit Bureau informed me they sent my dispute to XXXX XXXX XXXX and it can take up to 30 days to be investigated. 
: My complaint is regarding the following statue : 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 15 U.S. Code 1681c2 says the following : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I want to remind all CRA of statue 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: AZ

Complaint narrative:
Hello CFPB, I am filing this complaint on the three credit bureaus. 

I am informed Experian, XXXX and XXXX XXXX XXXX XXXX was result of Identify theft.. 

Each credit Bureau informed me they sent my dispute to XXXX XXXX XXXX and it can take up to 30 days to be investigated. 
: My complaint is regarding the following statue : 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 15 U.S. Code 1681c2 says the following : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I want to remind all CRA of statue 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Yesterday, on XX/XX/XXXX, I received two emails from Capital One. The first email indicated that I had a new enquiry in my credit, and the second one was an approval for a Capital One card. In response to this, I promptly contacted Capital One this morning, and they assured me that they would investigate and resolve the issue. I also took the initiative to reach out to XXXX, which is the credit bureau associated with this card. They confirmed that they had canceled the request and placed a fraud alert on my credit report to prevent any unauthorized activity.In addition, I got in touch with XXXX, and they successfully removed the request associated with the Capital One card application from my credit report. 
However, when I contacted XXXX, they advised me to create a report here and send some specific information to them via a letter. My primary goal is to have the request from Capital One on XX/XX/XXXX completely removed from my credit report to prevent any negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Payactiv, Inc.
State: TX

Complaint narrative:
I loaded {$500.00} to Payactiv and after trying to use the card. They locked the card and refused to work with me to get this corrected. It's been months and my father needs help with his expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX I mailed an Identity Report stating I have been a victim of Identity Thief. They reply back as if I was filing a dispute and did not fellow the rules that apply when reporting Identity Thief. And did nothing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: NE

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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