vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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: DC

Complaint narrative:
I called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX. EQUIFAX has failed to provide XXXX, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
INACCURATE NAME : XXXX, XXXX, XXXX XXXX  : XXXX XXXX Date Updated : XX/XX/2018

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 2022-08-03 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: LA

Complaint narrative:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX XXXX XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL XXXX BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL XXXX credit bureaus and ( XXXX XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have submitted several letters to all XXXX credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY XXXX BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL XXXX BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL XXXX credit bureaus and ( XXXX XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
For over two months, we have submitted repeated requests to SLS to remove the PMI from our property due to : ( a ) significant and substantial renovations of our property ; and ( b ) the imminent opening of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX station which will be just three blocks from this home and connect directly to XXXX  DC and XXXX XXXX XXXX. They asked us to submit a form authorizing an internal valuation which we promptly faxed to them, and they acknowledged receipt of on XX/XX/XXXX. We followed up again and received written confirmation on XX/XX/XXXX that an appraisal had been ordered and would be completed within 15 business days. However, they keep ghosting us or providing inconsistent timelines or information. It appears as if they are not adhering to their obligations under Federal regulations to reassess the necessity of PMI when a property has had significant renovations. These renovations have included new flooring, new appliances ( dishwasher, range, refrigerator, microwave, washer, and dryer ), a new water heater, new light fixtures, dimmable WiFi switches throughout the home, new vents, new ceiling fans, among other substantial improvements.

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: CO

Complaint narrative:
My identity was stolen including SSN, Drivers License, address. Starting XXXX XX/XX/2022. 
I immediately locked credit with the three credit agencies ( XXXX, XXXX and XXXX ). But after receiving notices from XXXX XXXX  that an account with was opened in my name was opened and had {$800.00} overdraft I found that FactorTrust is yet another credit reporting agency that was used to open ( or attempt to open ) fraudulent accounts in my name. I tried to lock my account with FactorTrust but the identification questions they asked were nonsense. Such as 'What city does XXXX XXXX live? ) My last name is XXXX, but I know of no XXXX XXXX. Other questions were just as impossible to answer. I called the customer service number and was informed that indeed, even though FactorTrust is affiliated with XXXX, that I must request a Freeze and Alert through FactorTrust even though I had already placed both with XXXX. I was also told they could not assist me with this on the phone. I would need to send a request through the mail. When dealing with fraudulent activity that is opening bank accounts and incurring large overdrafts, waiting a couple weeks for the mail to go both ways is unacceptable. 
If FactorTrust is affiliated with XXXX, then Freezing and adding Credit Alerts on XXXX should also Freeze and set Alerts on FactorTrust. Also FactorTrustr needs to review the computer algorithm that generates the security questions to make sue they are something that a typical consumer can answer. They should also be able to deal with the issue through the phone system. Mail is not an adequate channel. More immediate response is required when identity fraud is occurring. Someone is opening accounts and charging money. 
If FactorTrust is a valid credit reporting agency, then it needs to be included in the list of agencies that right now stands as XXXX, XXXX, and XXXX. These are the agencies that are suggested to lock down in case of credit fraud FactorTrust is not mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rapid Home Lending Inc.
State: CA

Complaint narrative:
I paid for an appraisal, {$950.00}, Rapid Mortgage ordered it, there were some complications with the appraisal company, nothing that should have kept Rapid Mortgage from doing their part. They ordered the appraisal and after it was completed they never responded to my email, text or phone calls. I eventually went to another lender, but they would not except the appraisal, so i had to get and pay for another appraisal. I would like a full refund of the appraisal amount, there were XXXX charges XXXX for {$810.00} another for {$140.00} they wanted more money, was expressed as needing it for travel. when they ordered the appraisal the had confirmed they had received pre-approval for the loan, their process went on forever, and then nothing happened, sent paperwork, just to have to send it a second time, very poor communication as well. 
United Wholesale Mortgage was part of the assignment of the appraisal, i have spoken with them, they are saying it is Rapid Mortgages responsibility, the whole package was in their court.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I have received several calls from this company " Commenity Bank for XXXX XXXX XXXX XXXXXXXX ''. I have returned their call and was told that my information was not listed on the account, as well as the information for my son who has the same first and last name but different middle name. I gave them DOB and last 4 of SSN for both of us. I was old today that the specific name on the account is XXXX XXXX but with a different DOB, SSN, and address. The representative told me that they essentially fish for a possible phone number for the person on the account and call it. I have asked them to remove my number in the past and they have evidently not. My son and I have never had an account with Commenity for XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing because I am concerned with phantom charges by Capital One after an account is paid in full. 

Capital One continues to charge interest ( residual ) on a closed and paid-off account. On XX/XX/2022, I had a balance of {$2000.00}, and I paid this entire amount. 
The payment due date is the XXXX of each month. 
The XXXX statement balance was {$2000.00}. 
On XX/XX/2022, I paid the entire balance for a XXXX balance. 

On XX/XX/2022, I received a statement showing a balance of {$11.00}, and this interest was charged to me on a zero-balance account. 
The explanation I was given by Capital One Customer Service is this residual interest from the previous billing for XX/XX/2022. And it takes two billing cycles for an account to be cleared and have a zero balance. My XX/XX/2022 payment was {$61.00} ; I paid {$100.00} on XX/XX/2022, and the remaining balance was {$2000.00}. 
XX/XX/2022, the statement balance is {$11.00} on an account that was paid off, and there has been no activity on this account because it has been closed for more than XXXXhree years. Capital Ones explanation for this new balance is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: DC

Complaint narrative:
EQUIFAX is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EQUIFAX permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EQUIFAX are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: SC

Complaint narrative:
While purchasing airline tickets on XXXX website on XX/XX/XXXX, I was given to opportunity to apply for an American Express Delta Gold card to receive {$300.00} in statement credit and XXXX SkyMiles if I charged {$2000.00} to the card in the first three months. I was approved for the card and charged my plane tickets at the time of purchase to the new card. I had enough charges within the first month to reach the {$2000.00} level. Please note that I never received any information that I would be declined the welcome bonus. 

After waiting for over three months, I contacted American Express on XX/XX/XXXX to check on the status of receiving the statement credit and SkyMiles. I was told the welcome bonus was denied. Additionally, I have contacted AMEX multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) for an explanation and documentation on why I have been refused the welcome benefits. To date, this information has not been provided. The benefits should have been provided if I had been approved for the card and met the requirements. If not, this is false advertising and misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
In XXXX I started the car loan with the company. I started to fall in financial straits due to my mother becoming ill with with a fatal illness. I was XXXX and due to me being the only child and having to stop work to tak care of my mother full time. I reached out to my job as well as Chrysler company for assistance with deviating payments. I was not given a helping hand and in XXXX my vehicle was taken back by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
I had an unauthorized charge on my debit card on XX/XX/22 for {$80.00} to XXXX. I spoke with someone at Huntington Bank and they told me that after research is complete, I can not find out who or how my debit card number was stolen. I did get a temporary credit of {$80.00} and then a letter saying it is being " researched ''. But I told the man at the bank I have a right to find out what the research and investigation will find. I want this information sent to me. He said that I can not find out that information, ever. 
Please tell me that is not correct. 
Thank you. 
XXXX XXXX. 
Cell : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XX/XX/2022, I received a phone call around XXXX XXXX stating that I had a debt with XXXX XXXX XXXX, Reference number is XXXX, I do not have any responsibility for the debt youre trying to collect. XXXX XXXX XXXX If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: DC

Complaint narrative:
EQUIFAX is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EQUIFAX permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EQUIFAX are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX XXXXXXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation