vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XXXX XXXX XXXX XXXX the consumer, sent XXXX, XXXX, and EXPERIAN ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies XXXX XXXX XXXX XXXX & EXPERIAN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-24 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge differenceXXXX XXXX  paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent DPT ED XXXX Account # XXXX. DPT ED XXXX Account # XXXX. DPTED XXXX  Account # XXXX, XXXX Account # 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

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 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
For the past four months, I have been receiving telephone calls from XXXX XXXX and other third-party companies seeking a resolution to an XXXX debt dated XXXX that was paid and resolved through a court stipulation in XXXX. Today, the XXXX XXXX XXXX, XXXX, stated is NOW a Capital One Credit Card ending in XXXX. I told her that a debt linked to a Capital One credit was resolved in XXXX XXXX, NJ XXXX in XX/XX/XXXX and for her to conduct due diligence before calling me again. I further stated that I have no outstanding debt or account with any credit card agency to date. 

Please ask XXXX XXXX at XXXX to stop harassing, threatening, and calling with false allegations and attempts to contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On XX/XX/2021, I filled room inquiry through the online form at XXXX XXXX website, asking availability for a room with bathroom for XXXX person ( XXXX adults and XXXX kids ) for one night stay of XX/XX/2021. 

Instead of giving us a price quote, the hotel XXXX asked our credit card information and said they will not be able to confirm the room without credit card information. After I sent them my credit card information, they replied that our reservation is confirmed, but they never sent us a formal confirmation with specific room types, total room charge and cancellation policy Partially due to the reason that I never received their booking confirmation information, I did not cancel this booking. And XXXX XXXX charged me {$450.00} for XXXX night stay as no show. I do not agree upon this charge. 

I missed the reservation by mistake, but this is not the ground that the hotel can charge me anything they stated. There is no previously agreed upon price nor there is any confirmation of showing how many rooms they were going to reserve for me. I have XXXX adults and XXXX children for the trip. Based on their website description, a cottage for the price of {$230.00} for one night will accommodate my family nicely. But the hotel charged us twice as much. 

This wasnt a fair business practice of charging me inflated price without a previously agreement upon terms by anyone. The hotel never informed me the exact term of the reservation price or room ( XXXX ) in any form of communications. That was partial reason why I missed this reservation The hotel should provide me some form of contract with price stated before my hotel stay. And if I knew the outrageous price of room rate they will charge me, I would certainly cancel this the reservation. 

I dispute this charge with Bank of America. Bank of America denied my claim. I believe Bank of America made a wrong decision and treated its customer unfairly. Bank of American let the merchant freely charge the credit card without proof of any price agreement or receipt. 

The wrong doing of XXXX XXXX not telling their customer of cost of service before making charge is a violation to Fair Credit Billing Act. And Bank of America did not resume the responsibility of protecting its customers from the unfair billing practices.

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, have 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX, I recently was on a business trip to XXXX with some of my coworkers. 

I had stopped by an XXXX in XXXX, CA before going on the trip ( which is viewable on my bank statement ). 

I made my way to XXXX, when a few days later, I noticed very little money in my account. 

It becomes apparent that someone is spending money on both my savings and checking account in XXXX, hours away from XXXX. 

I disputed the charges with Chase, but not only did they fail to take down the correct charges, they denied my dispute saying " the card was used with no pin attempts '' when I'm clearly in a completely different place than where the card was used. 

The total amount of my charges was {$570.00}, putting me into a horrible position financially. They also took back the money that was in my savings account, being {$400.00} as well. 

If there is anything you guys can do to help me, that would be of great help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: VA

Complaint narrative:
I just received a response regarding a previous complaint. The response contained attachments relating to named, XXXX XXXX, who is obviously not me. 

Not only is this irresponsible and egregious, sharing personal information of another consumer is just ridiculous and careless. 

All of the attachments belonging to XXXX XXXX are attached. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/2020 XXXX & XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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.

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 2022-02-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: MA

Complaint narrative:
On or before XX/XX/2020, Equifax incorrectly assigned personal information and credit history information that belonged to a " XXXX XXXX ''. Mr. XXXX had numerous open credit accounts that were overdue and unpaid for, affecting my credit score. It should be noted that XXXX and XXXX did not report or associate this information with me. 
In XX/XX/2020, I had to purchase a vehicle and was denied by multiple lending agencies for having 'bad ' credit, which I was confused by ( never missed payments, kept credit utilization low ). Had to take a loan with a higher interest rate which has cost me additional money. 

After the first dispute, Equifax removed the wrongly associate name and addresses of " XXXX XXXX '' but kept one of his open credit accounts. I have attempted to dispute this claim and Equifa
x refuses to take it off my credit report, affecting any opportunity of getting another loan or credit card, while costing me thousands in interest.

I have contacted the credit lending agency, XXXX XXXX and they have told me that there has never been and is not any open accounts using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NEXA Mortgage, LLC
State: AR

Complaint narrative:
In XXXX / XX/XX/2021, I origninated a loan on behalf of my father and sister, XXXX and XXXX XXXX, while I was with Nexa Mortgage. Soon after the origination, I found that Nexa was not a company that I wanted to work for and so I left. 

I transferred their loan to XXXX XXXX, a local Nexa agent in our town. From that time, we have been put off and put off. We have had to resend documents that we have already sent. 

On Monday, XX/XX/XXXX, we were informed that XXXX is no longer with Nexa. Nexa has not reached out to the borrower about the next steps. When I have called and text, I have been told that the loan is being worked on, however, the buyer has been contacted by no one. 

We were told that this loan should have closed today or tomorrow. 

The borrower has called, I have called, no one calls back and no one answers text message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Upon checking credit I discovered that there are inquiries on my report that i did not authorize nor do I have any business with these compaines. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX DPT ED XXXX Account # XXXX. DPT ED XXXX Account # XXXX. DPTED XXXX Account # XXXX, XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Account was closed, tried to call and ask and I was told they couldn't tell me anything and to use something else that they can't help me with no explanation or a solution. They never told me that they closed my account and when I tried to pay my rent and my car It just showed that my number wasn't linked and I had to call and get transferred to multiple departments just for them to tell me to use something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received an email advertisement that I had won a free watch and I had to pay {$4.00} shipping. Instead the company charged me {$71.00}. I contacted my credit card company Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Telephone number is XXXX and their website is www.capitalone.com/support-center/contact-us. 
I am a XXXX XXXX and a XXXX XXXX and XXXX  XXXX XXXX, After I contacted the credit card company they sided with the XXXX XXXX XXXX the MERCHANT on this UNAUTHORIZED TRANSACTION. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission and the Attorney General Fraud Division, Consumer Financial Protection Bureau and US Treasury and file a complaint about this. 
I should NOT be responsible for any charges that I did NOT AUTHORIZE. After I notified the credit card company of this UNAUTHORIZED transaction, they CLOSED the credit card and ISSUED me a new one. If they thought there was NO FRAUD, why issue me a new credit card when I reported this unauthorized transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Lost my home to a fraudulent mortgage and foreclosure. Bank of America lied and claimed i had an FHA home mortgage when i fact I've never applied for or encumbered an FHA loan. my home was owned by me out right with no mortgages since XX/XX/XXXX. Bank of America lied and submitted false SERVICE MEMBER VERIFICATION FORMS TO FRAUDULENTLY COMPLY WITH SCRA RIGHTS, AND PROTECTIONS. WHEN IN FACT THEY NEVER HAD MY SOCIAL OR PROPER DOB TO SUBMITT A LEGAL REQUEST THROUGH THE PROOPER PROCEDRIAL CHANNELS BEING XXXX XXXX XXXX XXXX XXXXXXXX IF IN FACT THEY HAD COMPLIED MY HOME WOULD HAVE NOT BEEN VICTIM OF AN ILLEGAL SUMMARY JUDGMENT. ALSO MY CREDIT REPORT WOULD REFLECT A SOFT INQUIRY THIS MAKING A NOTE ON MY CREDIT REPORT. IVE LOST MY HOME AND IT WAS PAID FOR OUTRIGHT. tHE ACCOUNT NUMBER ON THE FORCLOSED DEED OF TRUST DOES NOT REFLECT PROPERLY ON THE SO CALLED NOTE. ALSO THE ACCOUNT NUMBER DOES NOT REFLECT EVEN REMOTLEY TO THE NUMBER ON THE CONVEYED NOTE ACCORDING TO BOA REPLY TO THE DOJ COMPLAINT I MADE IN XXXX. THE NOTE USED TO FORCLOSE HAD BEEN USED IN XXXX TO FORCLOSE ON A FORMER PROPERTY I OWNED ONCE ALREADY. THEN IT WAS FRAUD AS WELL.

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