vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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: TN

Complaint narrative:
N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-07-10 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: NJ

Complaint narrative:
XXXX XXXX XXXX has a Collection on my report does not belong to me. It belongs to a relative with similar name. Ive reached out tot he company with not response. Experian claims the company verified but neglected so submit documentation to me to show that documents they used to verify me. 

Please remove this collection from my report Thanks

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 2023-07-10 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: HW Holding, Inc
State: TX

Complaint narrative:
XXXX is not complying when it comes to my credit repot there are accounts that do not belong to me that are affecting my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TX

Complaint narrative:
I am in the process of purchasing a home and the XXXX  lender I am working with shared with me all of the information that was reporting on my credit report. Accounts both new and old are appearing on my report. Some accounts are negative, and some appear to be positive, but they do not belong to me. I am a victim of fraud! At the XXXX XXXX advisement I reported the crime to the police and filed an FTC report. I am sure the credit bureaus will investigate but I want all of these items removed from my report immediately. I have sent in dispute letters via certified mail, and I have called several times, but they ( XXXX, Transunion, and XXXX ) refuse to remove the accounts and inquiries from my report. According to the Federal Trade Commission, negative items shall be removed in 4 days. Additionally, after sending in the dispute letters with the FTC report attached, the credit bureaus have added on a collection account which is not mine which is severely hurting my chances of closing on this house. 

Transunion Fraud Victim Assistance Department XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Please see attached document. Citizens Bank continues to violate me as a consumer under federal law even after recent actions taken by the Bureau of Consumer Financial Protection. I have also filed complaints with the AG. Citizens Bank has 30 days from the date of this complaint to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' SELF FINANCIAL/LEAD BA XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ 520 Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 24 Months XXXX sold - Original creditor - Comments Account paid from collateral Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX KANSAS XXXX XXXX MO XXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

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 2023-07-10 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments Account paid from collateral Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
there are multiple hard inquires on my credit report that i did not authorize and should be removed immediately. 

i have sent a cfpb complaint 1 month ago and the issue still hasnt been resolved. below are the inquires that i did not authorize and that should be removed immediately. 

XXXX XXXXXXXX XXXX pulled from experian XXXXXXXX XXXX XXXX pulled from experian XXXX XXXXXXXX XXXX pulled from XXXX XXXX XX/XX/XXXX pulled from XXXX ID THEFT VICTIM I HAVE FILED AND CREATED A REPORT ON IDENTITYTHEFT.GOV PLEASE SEE THE ATTACHMENT BELOW ABOVE ARE THE INQUIRES THAT SHOULD BE REMOVED

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 2023-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NM

Complaint narrative:
Hello, I have been a victim of an online scam. I need your help to bring them to justice. This person used this name ( XXXX XXXX XXXX, she changed her name to ( XXXX XXXX XXXX or ( XXXX XXXX XXXX after she was done taking my money. She contacted me through social media and had me use XXXX to chat. This is the number she used ( XXXX ). I believe she is still using that number to scam other people. XXXX should be able to tell us who she/they are. She told me that I could make money through an investment platform called XXXX. Which was probably a fake website. She slowly built my confidence up using the platform to show me how it worked and then she put a lot of pressure on me to take out several loans and use my personal savings of ( {$100000.00} ), and I also took money out of my XXXX ( {$110000.00} ). I put the money into the XXXX system. They made believe that I had made a bunch of money on the platform ( {$800000.00} ). When I tried to withdraw my money they would not let me. They said I had to pay taxes on the money I made and would not let me withdraw my money. Please help me recover my money. She used the App Coinbase XXXX to take my money and put it into XXXX XXXX exchange ( Fake website they set up ). My Coinbase XXXX XXXX account ID is ( XXXX ). I need you to ask Coinbase what bank or account did they have me send my money to. Then ask that bank to give the money back from the scammers account. There is no money in my Coinbase account for them to return my money so please dont ask them for the money. Make Coinbase tell us where the money went. I have uploaded just some of the screenshots I took during the process. Let me know if you need more. 
Thank you for your help! 
XXXX XXXX XXXX These are the web addresses they used to steal my money. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Paid my Amazon prime visa bill down on XX/XX/2023 they put a hold on my credit limit. They claim because it was a large amount. Ive made large amounts before and they never held y credit limit, even after paying late. Ive called XX/XX/XXXX and asked about the hold and they stated because it was a large amount and they are wanting for it to clear but it cleared on XX/XX/2023 from my account and on their end, but it will be cleared on XX/XX/XXXX. Called again XX/XX/2023 and they said the same thing and said it will be off XX/XX/2023. Im being punished for wanting to pay my bill down it seems to me cause they been had the money, the money cleared the next day on both ends, so they are holding my credit limit hostage because I couldnt take the amount I owed them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: TX

Complaint narrative:
PROFESSIONAL CREDIT SERVICES SEND ME A COLLECTION LETTER FOR XXXX. THEY ARE VIOLATING THE FDCPA BY ATTEMPTING TO COLLECT A DEBT CHARGING ME TWO INTEREST RATES. {$.00} CENTS AND {$16.00}. AND THEY HAVE FAILED TO REGISTER AS A THIRD PARTY DEBT COLLECTOR WITH THE TEXAS SECRETARY OF STATE. LIKE I TOLD THEM, I DON'T OWE ANY MONEY FOR A PRE-PAID PHONE SERVICE. COME ON MAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I purchased a mortgage with XXXX XXXX  to payoff a home equity loan in XXXX  they in turn sold the loan to Specialized Loan Servicing Company. For XXXX  years now i have been calling emailing and fighting with this company and providing information that i am not in a flood zone. They have now placed forced lender flood insurance on me 3 times at a price of {$3300.00} - {$3100.00} per year. In XXXX i received a letter that my monthly payment was going up from {$1000.00} per month to $ XXXX. Although i have sent many FEMA maps, letters from the originial lender and attemped to speak to someone of authority at SLS I have been unable to get any help. They all say they don't know how I can get to a person of authority to speak to. On XX/XX/XXXX I finally purchased a flood insurance policy on my own and paid in full for the year I just called and through the recording found out that they also deducted payment for that policy which I had already paid in full.. I sent it to the mortgage company on three separate occasions with no acknowledgement. They state my escrow is short approximately {$7400.00} which is all due to the forced flood insurance. At the first of XXXX the did in fact deduct at payment of $ XXXX which I can not afford on a fixed rate mortgage. I am desperate at this point and do not know where to go for help.

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 2023-07-10 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: NY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted. 
from an alleged identity theft, not later than 4 business days after the date of receipt 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of fraud. I filed a police report with my local Police Dept. Discover first credited me for the fraud and then charged me with the fraud on the replacement card. I now have a XXXX point drop in my credit and the fees and interest on the Discover Card continue to accrue. 
I can provide proof that Discover removed the fraudulent charges. 
I can provide a copy of the Police Report. 

I canceled the Discover Card. 

I am still being harassed by monthly bills, interest, penalties and my credit destroyed because of Discover. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
nationstar offered a mortgage assistance application in connection to covid 19 ( letter ) and shut it down because they did not have authorization Athorization to release information from the mortgaggors, who are 2 owners ago, now that thebank " found an authorization to participate '' that was permanent ( attached ) they need to respond to the covid 19 modification applicaition and ask us what other docs they need if any ( attached ) we wnat a current response that we never got. THIS IS NOT A DUPLICATE REQUEST PLEASE RESPOND

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Case # XXXX Claim # XXXX A check in the amount of {$2000.00} was fraudulently cashed on XX/XX/ from my account ending in XXXX. I contacted BOA in XXXXXXXX After repeated calls they assigned me case number XXXX. On XXXX XXXX XXXX I was told that they were unable to locate any information under the above-mentioned case number. They repeatedly told me that they can not open a claim unless we can verify the signatures on the check. They finally sent us a copy of check at the end of XX/XX/, which did not bear signatures of the payee and was not deposited into payees bank account. Finally, they opened a claim on XX/XX/ and assigned me claim number XXXX. They then asked us to request an affidavit, which we did and returned the affidavit to BOA. 

On XX/XX/, BOA sent me a letter stating that they can not process the claim because the claim was filed more than a year after the unauthorized transaction, which is incorrect. 

On XX/XX/, BOA sent me another letter stating that they can not process the claim because the claim was filed more than 60 days after the unauthorized transaction, which is incorrect. Call logs show that I contacted BOA well within the 60-day time-frame. 

BOA has yet to process my claim and credit my account for {$2000.00}. I have been getting a run around and keep getting transferred to different units. I have talked to reps from their main customer service department, claims department, digital fraud department, check fraud department, and official items department. 

Calls to BOA under personal account XX/XX/ from BOA branch XX/XX/ XXXX min call. Requested stop payment on bill pay check as the payee had notified me that they had not received the check. Rep put in a request for image of the check to be sent to me. 
XX/XX/ multiple calls, transferred to several different departments XX/XX/ call transferred to bill pay department Calls to BOA under business account XXXX  Again requested image of check as I had yet to receive it Calls to BOA 's Fraud Department XXXX  Spoke with customer service rep. Case reopened. 
XXXX  - Spoke with customer service rep. Gave him the dates of telephone calls to BOA. He reopened the case.

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 2023-07-10 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX you charge Off this account on my credit and I have never received a 1099 form with the account report in as a charge off to the IRS it should not be still reported on my credit report.. you have to send that out to me in you failed to do so in your report this charge off every month on my credit report as a charge off its been charged off my account almost a year ago and its still reporting every month as a charge off

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 2023-07-10 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: MI

Complaint narrative:
In Accordance with the Fair Credit Reporting act Convergent accounts name has violated my right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 section 602 A. States I have the rights 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