vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 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: Self Financial Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention the presence of a fraudulent XXXX credit card account and a rental property on my credit report. These unauthorized activities have been falsely associated with my name, and I kindly request their immediate removal from my credit history. 

Upon reviewing my credit report, I discovered that a XXXX  credit card account has been opened under my name without my knowledge or consent. This account does not belong to me, and its presence inaccurately reflects my financial status. Additionally, I have found that a rental property has been rented using my name fraudulently. I have no affiliation with this property and it has been wrongfully associated with my credit profile. 

I urge you to conduct a thorough investigation into these fraudulent instances and take the necessary steps to remove them from my credit report. The inclusion of these fraudulent items is not only damaging my financial standing but also has the potential to hinder my future financial opportunities. 

Enclosed with this letter, you will find supporting documentation, including relevant police reports and any additional evidence to assist in your investigation. I am fully committed to cooperating and providing any further information or documentation required. 

I sincerely appreciate your immediate attention to this matter and request that you keep me informed of the progress and actions taken to address this issue. 

Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
So Some criminal in AMEX created a business card with my company name and was able to do ACH of {$150.00} from my business checking account. 
I have reported this to both AMEX and XXXX XXXX  but they are bouncing me back and forth and none of them is willing to pay me back the damaged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX a letter postmarked XX/XX/XXXX arrived from the mortgage servicer Truist Bank. 

It informed me that Truist was not willing to recalculate my escrow the way their phone rep had said should be done after changing insurance carriers. 

And that I could call if I had questions. 

The letter was written by a XXXX XXXX, and provided a phone number of XXXX XXXX XXXX. 

As I had unresolved questions, as to why the recalculation was being denied to me, if it allows truist some greater profit at my expense? If they are trying to earn interest or lend out funds to their clients based partly on their corporate reserve assets such as funds held in escrow? Why I should need to pay a higher amount to them, than what is actually neccesary for the escrow costs? 
It seems exploitative. I don't wish to be exploited merely because of it being a VA backed home loan. 
But I am told in the letter that it is a Truist policy to treat all veterans this way. 
I do not like the idea that veterans are somehow an easier to exploit class of consumers when it comes to Truist Bank. 

But when I called the number on the letter, and asked about speaking to this XXXX lady about the letter she wrote. 
I was told that it's not allowed to speak to her by phone. That she is just a researcher who does not speak to customers. 

I asked if the phone rep would let me read the letter, and how it says to call with questions, and he instead became irate and turned the phone call into an aggressive shouting match. 
I don't know if maybe it is a letter that just has this XXXX person 's name on it, but is robosigned and thus they are unable to answer questions. 
But I have heard that XXXX XXXX robosigned letters in the past. 

What I do know for certain though is the phone rep at Truist had advised me that Truist would perform a recalculation for my Escrow after the change in insurance carriers was completed. 
And I have been trying for months to ask Truist to follow through on their promise. 
Instead I am getting letters that seem to indicate that because I am a veteran that I instead should be subjected predatory lending practices and asked to pay more than my share into escrow. 
All so that truist can earn a few extra dollars a year in interest.

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 2023-06-15 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: American First Finance, Inc.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I submitted an application in XX/XX/2023 for refinance information to upstart/XXXX Their refinance interest rates and payments were higher then my current lender. 
So I decided to stay with my current lender. Now I come to find out that upstart/XXXX paid off my current loan in XX/XX/2023, WITHOUT my authorization. Five months after the fact. 
XXXX states paperwork was signed electronically, which I have NO knowledge of. Im XXXX years old and hate computers, I basically use them for email due to not being able to use a phone due to XXXX XXXX XXXX Also the State of Texas DOES NOT accept electronic signatures. When I requested a copy of the LIMITED POWER OF ATTORNEY, the signature is not even close to my signature, someone at their company must of signed my name because its not in NO WAY close to my signature. I would never have agreed to their terms of a higher interest rate and payment. They are running a SCAM! 
NOW they are threatening REPO. Causing undo stress, this vehicle is used to transport a XXXX person for medical care

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
On XX/XX/XXXX, i was notified on this site that LVNV uploaded a statement that did not verify the debt they insinuated that I owed. I have called their company and submitted letters in writing demanding the contract I in fact had with their institution and as of today, have not had any proof stating the contract they have for me and the {$800.00} amount Per 31 U.S. Code 3123 ( b ), 50 U.S. Code 4331, Public Law 73-10/HJR192 of 1933, 18 U.S. Code 1341 use of mail, along with 45 CFR 30.2.

In closing I am holding LVNV accountable of not providing your organization proof of said debt with my wet signature and NO collection agency shall assume a debt on my behalf without proving and providing said wet signature contracts. And even still knowing they have no wet signature contract with MY information, under 15 U.S. Code 1681 ( b ), and lastly, 15 U.S. Code 1611

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: NC

Complaint narrative:
i have a total of 24 inquiries i did not authorized in short it was not me! And i have 2 accounts that i want it deleted immediately becuase i have no financial obligation! i when i contact the credit bureau i was ask to submit a report here and add the needed letters and documents so place since i have taken my time to do this can you also take a time to review and submit this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitolone has been negligent and uncooperative in investigating these fraudalant charges.Presently they reversed the last of two charges that I did not make.A {$400.00} cash advance from an ATM. Recieved today through cfpb that they are " still investigating '' .I am requesting their security team access the CCTV to show who made the cash withdrawal.Safeguards at the ATM were compromised and Capitolone not only did not protect me from the fraud but attempted to make me liable for the fraud.This has cost me time, money and stress.Lastly, Capitolone has compromised user information in the past, as in 2019 with almost one hundred million users.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX XXXX Is For What You Are Disputing ), 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX  XXXX Is For What You Are Disputing ), 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

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 2023-06-15 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
It is XXXX to report inaccurate information on an account in accordance with the Fair Credit Report Act. Currently, my credit report shows inaccurate information and a charge-off. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report. 

15 usc 1681a2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agency. This isif thepersonknows or hasreasonable cause to believe that the information is inaccurate. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report. What are the ways in which your company reports CHARGE-OFF ACCOUNTS with NEGATIVE STATEMENT BALANCES and has inaccurate information with different credit agencies?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
It is XXXX to report inaccurate information on an account in accordance with the Fair Credit Report Act. Currently, my credit report shows inaccurate information and a charge-off. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report. 

15 usc 1681a2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agency. This isif thepersonknows or hasreasonable cause to believe that the information is inaccurate. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report. What are the ways in which your company reports CHARGE-OFF ACCOUNTS with NEGATIVE STATEMENT BALANCES and has inaccurate information with different credit agencies?

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 2023-06-15 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 — Card was charged for something you did not purchase with the card
Company: Credit Karma, LLC
State: OK

Complaint narrative:
My tax return was sent to credit Karma on XXXX for {$2500.00} XXXX for {$80.00} and XXXX for {$2700.00} The person who filed my taxes for me hacked into my account using the virtual card and had that money cashapp to her account her name is XXXXXXXX XXXX aka XXXXXXXX XXXX DOB XXXX Social Security number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX I have filed a police report and reported to FTC XXXX XXXX has not put the money thats owed to me back on my card and is saying I have a negative balance of {$2700.00} I do not owe this money and they owe me that money since I did not XXXX her! It can be traced through the virtual card as the representative told me how it was accessed. I never even knew about a virtual card XXXX they blocked the virtual card on XXXX due to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a complaint against Experian, a credit monitoring service. I signed up for a free trial in XX/XX/2021, but was charged {$24.00} per month without my consent. I received free credit monitoring as part of an Experian data breach settlement but this was not applied. As of today, I contacted Experian customer service to request a refund, but they refused to do so. Stating their terms and conditions. I never used the services in fact they had an inaccurate email address the entire time- Ive never received any email either. 

I believe that Experian 's actions are in violation of the Fair Credit Reporting Act and the Consumer Financial Protection Bureau 's regulations. I have attached copies of my communication with Experian, including emails and receipts, to support my claim. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian.p Thank you for your attention to this matter. Please let me know if you require any further information. 

Sincerely, 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 2023-06-15 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: LEXISNEXIS
State: GA

Complaint narrative:
I would like to have any items/INFORMATION that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-15 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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
I deposited a check from XXXX in the amount of {$18000.00} in my US Bank checking account by ATM XXXX on XX/XX/XXXX at XXXX AM. This was for the sale of a vehicle to XXXX. When I called customer service on XX/XX/XXXX to ask about availability, I was told there was a 5-day hold on the funds and they would be available on XX/XX/XXXX. When I called the local branch on XX/XX/XXXX, I was told that the hold is for 7 days and that Monday is a holiday so the funds will not be available until XX/XX/XXXX. There is no good reason with today 's banking system for a bank to have a 7-day hold. It's highly likely that the check has already cleared the bank used by XXXX with the funds being available to US Bank. This is just a large bank taking advantage of a 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 2023-06-15 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: OH

Complaint narrative:
I am currently in the process of purchasing a house and I can not due to Transunion and XXXX 's inaccurate and erroneous reporting of accounts on my credit file. I have been trying for over a year to get them to investigate these items and they don't conduct a proper investigation and provided proof they actually have investigated these items. If all three credit reporting agencies have access to the same information how can my reports each be different? XXXX seems to be the only credit reporting agency that seems to follow the FCRA and cares about accurate reporting. This is my last attempt before legal action is taken. 

Please see attached letter and provide all items requested. If all items can't be provided these items need to be deleted 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