vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I hope this message finds you well. I am writing to express my sincere gratitude for providing me with the letter you shared earlier, which has shed light on the situation and clarified my understanding of the matter at hand. Your assistance is invaluable to me during this challenging time. 

While I acknowledge your perspective regarding my responsibility for the account in question, I would like to emphasize that from the years XXXX to XXXX, I was unjustly incarcerated abroad, far from the United States. Given my circumstances during that period, it would have been impossible for me to open or manage any accounts. It has recently come to my attention that my uncle, XXXX XXXX, may be the root cause of this predicament. I have discovered evidence indicating that he had access to my identification, even going so far as to use the name " XXXX XXXX '' Regrettably, it appears that XXXX has been exploiting my identity without my consent, shirking his responsibilities, and evading legal obligations. It is worth noting that he is considerably older than I am, which would be evident during the time when these accounts were allegedly established. Additionally, the phone number associated with these accounts is entirely unfamiliar to me, and I have never used it. public records may show it linked to me but he probably used it for numberous other accounts he creaeted so it would make sense. 

I kindly implore your understanding and compassion in this matter. It is my belief that you do not possess my signature on file or have undertaken a thorough verification of my identity. Tho im not blaming your institution, I have reason to suspect that XXXX may have received assistance from his former girlfriend, who was employed there. Her involvement could shed light on how these accounts were initiated she was later fired I humbly request your assistance in rectifying this situation by removing these erroneous entries from my credit report. My hope is to establish an honest and mutually beneficial relationship with your institution, one that I personally initiated and can confidently participate in. 

I appreciate your attention to this urgent matter and look forward to your prompt response. Please do not hesitate to reach out to me. 

Thank you for your understanding and assistance. 

account ending XXXX Re : Account ending in XXXX XXXX XXXX XXXX : XXXX CFPB Case : XXXX ive attached your document below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-09-28 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: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I have spoken with Branch XXXX XXXX XXXX of ONEMAIN FINANCIAL on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN FINANCIAL. -ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Companies is unsure of it's own process of consumer rights as debtors. They Do Not follow Uniform Commercial Coding or Rules. This company has committed Corruption, Asset Misappropriation, Financial Statement fraud, Corporate Fraud, embezzlement, Forgery, wrongful abstraction, wrongful Conversion, Tax fraud. 

15 U.S. Code 1605 - Determination of finance charge 12 U.S. Code 1431 - Powers and duties of banks 12 U.S. Code 1432 - Incorporation of banks ; corporate powers ; housing project loans 15 U.S. Code 1 - Trusts, etc., 42 U.S. Code 408 - Penalties 15 U.S.C. 1691 ( a ) 15 U.S.C. 1691a ( e ) 15 U.S.C. 1691 ( e ) 12 C.F.R. 202.2 ( l ) 15 USC 1605 ( a ) 15USC 1605 ( b ) 15 USC 1681a ( k ) ( 1 ) XXXX XXXX Beneficiary

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I got scammed last year, where in a person claiming to be from XXXX XXXX ( XXXX ) paid my auto insurance with XXXX, and asked me to transfer a portion of the money ( {$140.00} ) to XXXX by XXXX. I did so from my Chase bank account on XX/XX/2022, but then the payment to XXXX was reversed. I immediately reached out to Chase but was told they couldn't do anything since it was XXXX and the recipient bank did not respond to their request. This communication is attached. 
I also lodged complaint XXXX with the XXXX XXXX Police Department and was directed to file one with the MO State AG XXXX XXXX ) as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I wish to use your organization to amicably settle my dispute with crypto.com regarding a financial scam that caused me significant financial and psychological harm. See attached PDF file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 
Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXXXXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXXXXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I WANT TO NOTIFY THAT I RECENTLY FOUND OUT SEVERAL FRAUDULENT ACCOUNTS IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED FRAUDULENT ACCOUNTS UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN SEVERAL ACCOUNTS ( PLEASE SEE THE ATTACHED FTC IDENTITY THEFT REPORT ). PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE. ATTACHED IS MY DRIVER 'S LICENSE, SOCIAL SECURITY CARD, AND THE FTC IDENTITY THEFT REPORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I was not aware of any debt and was not contacted by anyone before the company I was renting from put a debt ( that has never been itemized ) in collections. I have still never received an itemized statement or why I owe the company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: WA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account Details : Collections Agency : XXXX XXXX Amount XXXX Background : I had disputed this collections account with the credit reporting agencies, and it was determined that the account should be deleted from my credit report. However, I recently discovered that the same collections account has been re-added to my credit report. 

Request for Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the permanent deletion of the aforementioned collections account from my credit report. I believe the re-addition of this account is unjust and a violation of my consumer rights, and I seek your assistance in resolving this matter as soon as possible.

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 2023-09-28 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: CA

Complaint narrative:
Account Details : Collections Agency : XXXX XXXX Amount XXXX Background : I had disputed this collections account with the credit reporting agencies, and it was determined that the account should be deleted from my credit report. However, I recently discovered that the same collections account has been re-added to my credit report. 

Request for Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the permanent deletion of the aforementioned collections account from my credit report. I believe the re-addition of this account is unjust and a violation of my consumer rights, and I seek your assistance in resolving this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
3 years ago I divorced my husband. The house on XXXX XXXX was left to me in the divorce. The deed is in my name and I had the taxes and insurance put in my name due to the tornado that happened in 2021, so that the insurance settlement could be paid to me. I was contacted earlier this year ( XXXX ) by Mr. Cooper stating that because the insurance was in my name and not my ex husbands that they would not pay it and would take out a hazard policy because my name wasn't on the mortgage. They recommended doing an assumption, which I did and sent all the paperwork to them 6 months ago. I was told that they would pay my mortgage on a month to month basis until the assumption went through THEN I received 2 letters from Mr .

Cooper. 1 stating that my insurance had been paid and 1 stating that they would not be paying. 
I sent both to my insurance company who tried to help me with the situation as best as they could, but we were never able to rectify it. I was sent another letter a few weeks ago stating that they had taken out a hazard insurance policy and when I checked my mortage payment it went from XXXX per month to XXXX per month. Now Mr .

Cooper has been putting me on hold for 3 hours at a time and giving me the runaround. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent the letter on XX/XX/2023, letter the reason why I sent this letter XXXX said everything was complete and accurate on my credit report. Here is my certified tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The reason why I sent this letter is because XXXX said everything was correct and accurate. I would like a description of the results of how they verified everything. Cause when I looked at my credit report, they did not update anything according to the Fair Credit Reporting Act which is 15 USC 1681i ( 5 ) so I would like to know what they did to investigate everything. I would like a description of this according to 15 USC 1681i ( 7 ) and they were supposed to respond to me within XXXX days according to the law. And I haven't received anything, and it's been over XXXX days. This is very frustrating, disappointing, and stressful!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: FL

Complaint narrative:
Equifax, I am a victim of identity theft and there was the below and attached unauthorized hard credit inquiry done- please have this removed immediately as this fraudulent inquiry is damaging my ability to obtain credit : CARD ASSETS, A DIVISION OF - XX/XX/2023 Attached to this complaint you will find : - drivers license - social security card - address - ftc complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: NC

Complaint narrative:
The XXXX XXXX is reporting that I had a store XXXX  card and that it was charged off.. I informed Experian that I have NEVER had a XXXX XXXX XXXX I submitted a dispute and got a generic reply that XXXX XXXX " had confirmed '' the account, so it was left on my report.. They have no proof of my identity however.. They don't have my ID on file.. I know this for a fact.. Companies like XXXX and Experian should have a burden of proof and not just be able to arbitrarily say " oh yeah that's accurate '' .. Take some responsibility and give the consumer the benefit of the doubt instead of corporations..

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 2023-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Sinchrony bank. 

I have been a loyal customer for many years and have consistently utilized the 0 % interest rate special offered by the Bandsmart card. However, upon reviewing my recent statements, I was surprised to discover that I have been charged a total of {$310.00} in interest rates for this current year alone. This has left me feeling disappointed and questioning the integrity of the promotional offer. 

Throughout my time as a customer, I have always made timely payments and diligently adhered to the terms and conditions of the 0 % interest rate special. I trusted that I would be provided with the promised benefit of a zero-interest rate, and I am disheartened to learn that this may not have been the case. 

I kindly request that you investigate this matter thoroughly and provide me with a detailed explanation as to why these interest charges were applied to my account. I firmly believe that this situation must be rectified, as it is unfair to charge me interest when I have consistently met my payment obligations and relied on the 0 % interest rate special offered by your company. 

I value the relationship I have with Bandsmart and Sinchrony bank, and I hope that we can resolve this issue in a satisfactory manner. I kindly request that you promptly address my concerns and take the necessary steps to correct any errors or misunderstandings that may have led to these interest charges. The attached statement doesn't reflect the new amount been charge for interest rate. 

Thank you for your attention to this matter. I look forward to receiving a timely response and a resolution that upholds the trust and confidence I have placed in your services. 

Sincerely,

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 2023-09-28 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: PA

Complaint narrative:
I DONT RECOGNIZE THESE INQUIRIES AND THESE ACCOUNTS INQUIRIES XXXX XXXX XXXX XXXX  ACCOUNTS XXXX Date Opened XX/XX/XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX Date XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: PA

Complaint narrative:
I DONT RECOGNIZE THESE INQUIRIES AND THESE ACCOUNTS INQUIRIES XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX Date XXXX XXXX  Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 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 2023-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
This is a continuation of Complaint ID XXXX. I have attempted numberous time to get the detail required to validate the debt from XXXX XXXX as XXXX XXXX. My last request was via email over a week ago and I have yet to receive a response. Since this is the second firm that has tried to collect this debt, I am skeptical that it is valid and that is the reason why the first firm that made the attempt passed it on. 

How are they allowed to put derogatory reports in my credit report when they have NOT complied with the requirements to substantiate the debt? 

I would appreciate your assistance in resolving this. 

Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
CCS is reporting a collection on my credit report, I have no knowledge of this alleged debt. I did request for validation of debt it was ignored.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: NY

Complaint narrative:
THIS INQUIRY IS NOT MINE AND THIS ACCOUNTS ISNT MINE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief