vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-27 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: Zions Debt Holdings
State: OK

Complaint narrative:
Someone fraudulently opened a XXXX account under my name and didn't pay the bill. I have an Identity Theft Report # from the FTC : XXXX and I also attached a police report

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
In early XXXX I contacted my credit card company, Barclays, to dispute a charge with XXXX XXXX regarding a downpayment for a barn that was cancelled and XXXX wasn't refunding my deposit for. On XX/XX/XXXX Barclays sent a letter stating that it was past the timeframe to assist. I later contacted XXXX and they provided documentation that Barclays contacted them on XX/XX/XXXX and the charge was reversed through the third party billing company XXXX. I have faxed documentation to Barclays showing the transaction number for the charge reversal and they continue to refuse to credit my account. Every time I call, all they will say is that the claim was denied on XX/XX/XXXX. I have a fax confirmation that they have received the documentation on the charge reversal on XX/XX/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 2023-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I send my payments twice a month through my bank. The mortgage company, Mr. Cooper, does not apply the money sent to he payments correctly which results in my payment looking late or not at all. I have to call every other month to have funds moved and applied to the correct places. They were supposed to fix the way my funds were applied but it has not been corrected. I then asked to remove my escrow account to eliminate this issue and they said due to my payments being late they can't remove the escrow account. I explained if you look at my payment history you have the payments on time that your company does not apply the funds correctly. I asked to speak to management who is never available and I'm told they will call back and no one ever does. This has been on ongoing issue for over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: NJ

Complaint narrative:
The account in question was open fraudulently with my information unknowingly to me, they refuse to remove it from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: OH

Complaint narrative:
Several years ago, I noticed that someone was using my personal information and even had me living in XXXX, Ohio. I reported this theft to all three credit bureaus and I assumed it was removed and fraud alerts/a freeze was placed on my credit report. I never thought about it again. I recently saw this XXXX address again and I'm now wondering if anything was removed years ago and/or if this thief is back. I also recently filed bankruptcy. I immediately see all of these hard hits popping up on my credit. It's not me. I did apply for a XXXX XXXX credit card and was approved for {$300.00}. This was me. I do see XXXX XXXX XXXX, who is the leaseholder of my new car. This is me. However, everything else is fraud. I only see the hard hits. I'm not sure if anything was approved or not. I hope not. It's as if the thieves were waiting on my bankruptcy to clear everything up, so they could start fresh. I too, would want to do this, but do so reasonably. I also have some things that I would think should have been removed with my recent bankruptcy. I also have pictures and emails from XXXX XXXX, with large amounts pending. These have since disappeared. The emails were welcoming me to my new account. I have no new account. I did speak to XXXX and they don't see any of this. I'm so glad that I took pictures and I have it. I don't think anything fraudulent has come of this. I hope not anyway. I'm sure I'm missing information to give you, but I think I have covered everything. I think.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, Please completely remove me as authorized user from the XXXX  XXXXXXXX XXXX XXXX attached. 

Please completely remove this tradeline from XXXX, XXXX, and Transunion- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled 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 explanation
Consumer complaint received 2023-10-27 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: FL

Complaint narrative:
Hello, Please completely remove me as authorized user from the XXXX XXXX XXXX XXXX attached. 

Please completely remove this tradeline from XXXX, Equifax, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, Please completely remove me as authorized user from the XXXX XXXX XXXX XXXX  attached. 

Please completely remove this tradeline from Experian, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
FTC REPORT NUMBER IS ( XXXX ) These are not mines I was a Victim of Identity Thief. This is wrong on my credit report, I want these removed in 30-45 days I DEMAND PROOF OF VERIFICATION WITHIN 30-45 DAYS, IF NOT? YOU WILL BE VIOLATING MY CONSUMER RIGHTS! 

15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report,

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 2023-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armstrong Teasdale LLP
State: MO

Complaint narrative:
Third party collection company that has no contract with me posted personal information online on multiple sites. Demanding payments for a debt that was not validated and verified. Identity theft is being reported. Company has no record of business license in my state, i m also reporting to XXXX XXXX, XXXX and IRS

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: NY

Complaint narrative:
CFPB, XX/XX/2023 To whom it may concern, On XX/XX/XXXX, I went on the XXXX XXXX website and noticed that my XXXX credit score had dropped XXXX points. Also, I've noticed that my Equifax scored dropped XXXX points. Therefore, I've contacted both XXXX and Equifax to no avail. They both told me that they were unable to disclose any information about my accounts with them. Both companies representative just gave me bureaucratic jargon. The only thing that was straightforward was the information posted on XXXX XXXX website which I have enclosed. 
XXXX website stated XXXX change : XXXX XXXX XXXX account balance decreased between XX/XX/2023 and XX/XX/2023 credit card balance decreased by {$170.00} from {$240.00} to {$70.00}. Note : Credit card limit is {$1300.00}. XXXX stated nice work you using less than XXXX presents. All payments made on time. 

Equifax XXXX changes were Balance increased, balance decreased, payments made on time and account information changed.

Balance increased : XXXX XXXX balance increased between XX/XX/2023 and XX/XX/XXXX by {$7.00} from {$9.00} to {$16.00}. Equifax stated great job you still using less than XXXX percent. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance decreased by {$170.00} from {$240.00} to {$70.00} Payments made on time Account information changed : I've spoken to representative in regards to this matter. Note : XXXX XXXX is the credit card issued by the XXXX XXXX XXXX ( XXXX ). Still, nevertheless, my scores should not drop XXXX XXXX points and XXXX Equifax points by bringing my utilization down from XXXX percent to under XXXX percent and making on time payments. I have {$2700.00} credit line with very low utilization ( less than XXXX percent ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: UT

Complaint narrative:
I have a HELOC loan with Flagstar Bank. The payments for this loan are made via draft from a checking account I have opened with Flagstar. My primary bank is XXXX. Over the last six months I have missed making the transfer to the Flagstar Checking account in time for the draft on three separate occasions. The transfer did go through and the payment was made within days after each occasion. 
The incidents are as follows : XX/XX/XXXX External Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$300.00} ( This was returned ) XX/XX/XXXX External Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$320.00} ( Payment was made with late fee ) XX/XX/XXXX External Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$310.00} ( This was returned ) XXXXExternal Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$430.00} ( Payment was made with late fee ) XX/XX/XXXX External Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$320.00} ( This was returned ) XX/XX/XXXX External Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$340.00} ( Payment was made with late fee ) As a result of these three occurrences, Flagstar Bank has issued a letter stating that " for the next six ( 6 ) months, until XX/XX/XXXX, loan payments must be made using one of the methods below. '' ( Cashier 's Check or Money Order ) This places a great logistical and financial burden on me to get payments to them on time. Because neither of my banks have a branch in Utah where I live. I called them and asked what the legal grounds for requiring a specific form of payment were? The only answer provided by " XXXX at Flagstar Bank ( XXXX ) '' was that they do not have to provide me a means of making payment electronically. I asked if I sent them a physical check in the mail if that would be honored? XXXX said it would be treated as an electronic form of payment and sent back. 

My question is do they have legal standing to require me to send a specific form of payment that is going to place an additional financial burden on myself?

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 2023-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MSCB, Inc.
State: TN

Complaint narrative:
This medial collection company by the name of MSCB INC has falsely reported a medical collection on my credit report. They have a balance of {$1800.00} listed on my credit report. However, my insurance company XXXX XXXX XXXX XXXX has already covered what they can cover and per the previous notices i have received from the XXXX XXXX XXXX in XXXX about this medical collection, it stated that the remaining balance of the debt was {$400.00}. The medical collection agency has failed to send me any notices and has also failed to send proof of the alleged debt in the amount of {$1800.00} that they are falsely reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm so disappointed on how this came in form my credit report. I've never been late and I work myself day and night which is so unfair to me as you aer damaging my reputation as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
My XXXX was repossessed after the company failed to help when I requested help in extending my payments when going through a hardship of divorce and unemployment due to XXXX. I then tried to catch up on my payments and they refused to take any payment from me, and said that my loan was in repossession status. THEY DIDN'T COME AND GET MY VEHICLE UNTIL XXXX OF XXXX! I had storage fees charged to me and everything with the repossession and having to wait so long for them to come get it. I was very displeased over this company having no sympathy in the situation and not even trying to find a solution with me. My credit was wrecked over a 2-3 month period just because life happened.

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 2023-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
[ These are not mines I was a Victim of Identity Thief. This is wrong on my credit report, I want these removed Please. 


15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 ( XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act 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 explanation