vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was trying to take my rent money out but since i used my card so much they think is fraud or scam but i told them it was me who was making the transactions And also asked them to change my phone number on the account and i dont have the old number thats connected with my bank card due to the fact that is already in thier system is been hard to get accsess for me to change my information on my portal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: GA

Complaint narrative:
In addition, I am also a victim of identity theft and have filed a necessary report with the Federal Trade Commission. I have provided the Identity Theft Affidavit in this complaint. 

Per 15 U.S. Code 1681b, I have noticed that there are several inquiries that were NOT authorized and they do NOT have permissible purpose according to the credit act law provided. The credit bureaus are in VIOLATION of the FCRA, and these items must be removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: OK

Complaint narrative:
I am writing to dispute fraudulent accounts on my credit report that I did not authorize or consent to. Upon reviewing my credit report, I discovered the following unauthorized accounts : 1. 
Account Name : [ XXXX ] - Account Number : [ XXXX ] - **Date Opened** : [ XX/XX/year> ] - **Outstanding Balance** : [ {$6800.00} ] 2. 
Account Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Date Opened : [ XX/XX/year> Outstanding Balance : [ {$2300.00} ] I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately. 

Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent that I opened the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if you are notified by the consumer about something on their credit report because of identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the accounts I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been sent from your bureau. Lastly I recently wrote a dispute letter of the same fraudulent accounts I am writing about now to your bureau & yet again your bureau violated Title 15 U.S. Code 1681i of the Fair Credit Reporting Act which states you have 30 days from notice of the dispute on your end to investigate and determine whether the disputed information is accurate or not. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
REQUESTING TO REMOVE ADDRESSES FROM MY ACCOUNT. INACCURATE ADDRESSES ARE LEAVING ME SUSCEPTIBLE TO CONTINUED IDENTITY THEFT. PLEASE DELETE OLD ADDRESSES AS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma, LLC
State: CA

Complaint narrative:
The recovery rebate relief was transferred to my credit karma account savings account and then I tried trying to login to my account and they said they closed my account and I never received my credit for the taxes XXXX $ and I have proof I have the taxes receipt but never received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
we have been submitting all documentation as required by Carrington mortgage yet they only count what they want not what we have summitted and that is unfair our income has increase from {$4000.00} to {$7400.00} and and we send all the proof and yet not good enough they still ask for they same paperwork over and over and its recorded by there staff by our calls even there staff don't understand why they ask for same paperwork we don't understand they have made it so hard for us i have gone to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX  they have caused me i have begged them to work with us all this time we have asked if we can make payment and they say no please help us by now they should give us the title to our home for all the grief we have been through i tried so hard we also applied with HAF but our mortgage wont work with us no matter what offer we make they say no please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: NJ

Complaint narrative:
I noticed hard inquiries on my credit profile that are not mine

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 2024-03-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have consistently disputed the inaccuracies in the following information with Equifax, XXXX, and XXXX. Unfortunately, the issue persists and remains unresolved to this day. 

Equifax 1. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX  Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX This collection Agency has violated the fair debt collection practices act by attempting to collect on a debt that has been charged off by the original creditor. They are also changing the open date from the time they have bought this bad debt. This is an illegal practice to change the open date. The balance they claim I owe is {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Hello, on XX/XX/2024, I made a full payment in the amount of {$6800.00} for my Citi Bank card. I was charged interest after I made a full payment towards my account. On XX/XX/2024, I contacted Citi Bank and was informed that the fees and interest would be waived, bringing my account to a XXXX balance. Not long after I was advised that the fees and interest would be credited to my account, I began receiving harassing emails demanding payments for a balance that I was advised would be credited to my account. On XX/XX/2024, I contacted Citi Bank again, and was informed that the {$72.00} balance would be credited to my account. On today, XX/XX/2024, I received an additional email telling me that my account was past due. In this matter, at a sensitive period where it's been found that XXXX Americans have been discriminated against by financial institutions, I can only consider these actions to be discriminatory in manner. It would appear that Citi Bank has been providing me misinformation regarding actions being taken on my account, only for me to find out later that no actions have been taken by the company to resolve the issue. Additionally, I was advised by Citi Bank that my credit bureau reporting would not be impacted as a result of the past due balance. At this juncture, I am not confident of this to be true.

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 monetary relief
Consumer complaint received 2024-03-04 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: FL

Complaint narrative:
I recently was notified by a creditor to verify that I applied for a car XX/XX/year> and I notified them that I am a victim of identity theft a few years ago and was involved in the Equifax XXXX  breach so they should cancel the application because I did not apply for any products or accounts. 
I noticed on my credit report that 2 fraudulent accounts were on my credit report and a few fraudulent inquires were reporting so I contacted XXXX XXXX XXXX  and XXXX XXXX of the fraudulent accounts they said that it was verified that I own the debt I have requested from both companies to provide me the application with my signature but was told I cant get any information on the alleged debt that I owe because some of the information doesnt match. 
Attached I will show how Equifax reporting the XXXX XXXX Credit Card as a Authorized User and XXXX has me as Primary Individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: FL

Complaint narrative:
I recently was notified by a creditor to verify that I applied for a car XX/XX/2024 and I notified them that I am a victim of identity theft a few years ago and was involved in the XXXX  Data breach so they should cancel the application because I did not apply for any products or accounts. 
I noticed on my credit report that 2 fraudulent accounts were on my credit report and a few fraudulent inquires were reporting so I contacted XXXX XXXX XXXX and XXXX XXXX of the fraudulent accounts they said that it was verified that I own the debt I have requested from both companies to provide me the application with my signature but was told I cant get any information on the alleged debt that I owe because some of the information doesnt match. 
Attached I will show how XXXX reporting the XXXX XXXX Credit Card as a Authorized User and XXXX has me as Primary Individual.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Exeter Finance, LLC.
State: CO

Complaint narrative:
REQUESTING TO REMOVE ADDRESSES FROM MY ACCOUNT. INACCURATE ADDRESSES ARE LEAVING ME SUSCEPTIBLE TO CONTINUED IDENTITY THEFT. PLEASE DELETE OLD ADDRESSES AS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Army and Air Force Exchange Service
State: CO

Complaint narrative:
REQUESTING TO REMOVE ADDRESSES FROM MY ACCOUNT. INACCURATE ADDRESSES ARE LEAVING ME SUSCEPTIBLE TO CONTINUED IDENTITY THEFT. PLEASE DELETE OLD ADDRESSES AS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
UNAUTHORIZED CREDIT INQUIRY ON CREDIT REPORT REQUESTING IMMEDIATE REMOVAL OF THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
I made an addition payment of {$140.00} on XX/XX/year> to XXXX for Mastercard ( Continental Finance ). 

I received verbal & email confirmation that my referenced bank account will be debited on XX/XX/year> in the amount of {$140.00}. 

My statement closed on XX/XX/year> and did not reflect said payment resulting in an incorrect balance /statement balance. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ).

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 2024-03-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have contacted Fifth Third Bank about an account that appears on my credit report thats not mine and has me as an authorized user. I never applied for this account and instructed them to take me out of their system and remove it from my credit report. Fifth Third Bank responded back stating that the account is verified and is accurate and it belongs to me individually and will not remove it. I requested a debt validation,1099 -C and a copy of the application submitted to obtain the credit card but never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: CA

Complaint narrative:
Was not able to access my account when third party company said my account was frozen. When I notify company they said it was not, I told them of my ongoing issues with TransUnion and it's now over a year and problem has been effecting my way of living. After doing more research I decided to call a number on the report. Turns out one of the issues they mixed up my info with my son 's. Caused me catastrophic problems in my life.

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 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington Mortgage Loan Number : XXXX On XX/XX/XXXX, I reached out to Carrington Mortgage regarding an adverse report that they sent to all three credit reporting agencies ( lowering my perfect XXXX score to an average of XXXX ). 

For the last several years, I have had my monthly bills on electronic billing and my payments on auto pay. Apparently, sometime in XXXX of XXXX, Carrington Mortgage performed an out of cycle escrow analysis that resulted in my bill increasing. Because I did not receive correspondence of the " out of cycle '' analysis and because my monthly payments are automatically sent, I did not realize that both XXXX and XXXX 's bills were slightly underpaid. Because of this ( as I mentioned above ), Carrington trashed my credit - vs. seeking other means to reach out to me and rectify the problem. 

During the XX/XX/XXXX call, I quickly remedied the situation and brought my account back to good standing. Because I did not receive the notice of out of cycle review, I asked the reprehensive ( named XXXX XXXX if Carrington could notify the credit reporting agencies that it was a mis-understanding. His response was that he couldn't help and to give me a fax number to send a request for Carrington to rectify the problem. He made sure to tell me that they may or may not help me out. 

Further, On XX/XX/XXXX, I received a check for {$500.00} from Carrington Mortgage. When I looked at my account on their website, there was a transaction record stating that the check had been sent to me because during the " NORMAL '' escrow review ( only XXXX months after the out of cycle review ) it was found that I had actually paid too much money into my escrow account. 

So, now I'm questioning ( XXXX ) why the out of cycle review found that my account had an underage ( XXXX ) Why Carrington was so quick to trash my credit score ( when ONLY a slight underpayment was sent ) and ( XXXX ) why they did XXXX and XXXX when the in cycle escrow review actually said I had TOO much money held in escrow. 

I'm very concerned that Carrington has engaged in Unfair, Deceptive and abusive behavior- with my perfect credit score unjustly taking a significant hit due to Carrington 's mis-management of my overall escrow account. This is unfair, plain and simple and i snot in the best interest of protecting the consumer.

At this point, I'm requesting the CFPB to advise Carrington to retract the adverse notice they sent to all three credit agencies for the months of XXXX and XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: KY

Complaint narrative:
Credit karma consumers who were harmed by Credit Karmas actions, and the company will be prohibited from deceiving consumers about whether they are approved or pre-approved for a credit offer, as well as about the odds or likelihood that a consumer will be approved for a credit offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: CO

Complaint narrative:
UNAUTHORIZED CREDIT INQUIRY ON CREDIT REPORT REQUESTING IMMEDIATE REMOVAL OF THE FOLLOWING : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: EQUIFAX, INC.
State: CO

Complaint narrative:
UNAUTHORIZED CREDIT INQUIRY ON CREDIT REPORT REQUESTING IMMEDIATE REMOVAL OF THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation