vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-14 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: OH

Complaint narrative:
Please Note : I received a message an account already existed for me, but this is the first time I used my new email to file a complaint with CFPB ; more proof of Identity Theft! 

On or around XX/XX/XXXX I was denied credit because of fraud & /or identity theft getting reported by Equifax lowering my credit score. 

I lived in XXXX, XXXX for over a year so it is impossible that the information is accurate, especially because all my imported USA property was stolen abroad & upon my repwiatriation in XXXX. 

This is blatant retaliation discrimination ( as a Born Female Native American Social Media Influencer I have been victimized on & offline by " cancel culture '', notice the date this occurred was XXXXXXXX XXXX XXXXXXXX & the TX border is getting invaded most from Mexicans which even Mexican-Americans here legally are protesting have it end & President Biden is discussing it with the President of XXXX ) which I have attempted to dispute with all my credit bureaus in the past directly and that is more trouble than it is worth ( waste of time & money ), so I'm filing a complaint with your organization. 

XXXX XXXX used my Equifax credit report to justify denying me continuance of credit with my XXXXXXXX XXXX XXXX XXXX XXXX. 

The following information was given as reasons, but all of it is inaccurate : " Lack of real estate secured loan information Balances on accounts too high compared to credit limits and loan amounts Too few accounts paid as agreed Not enough balance paid down on installment accounts '' Concisely, to prove the inaccuracy of this information I do not have a house nor any loans in my name at this time that would effect my credit ( the student loans I have are deferred or deferrable ). 

My XXXX XXXX XXXX credit card is the only account I had & I paid it off as agreed & had a {$700.00} limit with a XXXX balance. I filed a separate complaint on XXXXXXXX XXXX. 

Additionally, all my USA property that I imported to XXXX, XXXX where I had lived from XX/XX/XXXX, well over a year was stolen and all my luggage when I repatriated XX/XX/XXXX, further proving identity theft & fraud/online scammers. I know the loans weren't done in person because none of the loans would have been approved & the irony is if I had applied I would have been denied, therefore, I don't know how the loans & credit was issued. 

I would sue those responsible, but they never give me their names & this complaint is to stop their use of my credit which I didn't utilize abroad in XXXX nor have I upon my repatriation, except to continue using my XXXX credit card that prior I had to report as stolen. 

In closing all of the Equifax listed loans & credit cards adversely effecting my credit score belong to someone other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had a care credit account issue by Synchrony Bank. My account has been paid off and closed for quite awhile now. It appears that care credit has been reporting a delinquent account to all 3 credit agencies. I have reached out to them last year regarding this issue and let them know that I do NOT have another account. They did confirm that it appeared my name was attached to someone else 's account. I did report this as fraud and they were to remove this. I believe this was done but then placed back on to all 3 bureaus. I have reported this as identity theft and this company won't correct this.

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 2023-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
Loan officer misleading statements. Confusing to clients. Cost client XXXXMade her go get docs to get approval.Underwriting discrepancies. A lot of red tape. Loan officer pulled clients credit more than enough and now her score is lower and she cant get anything to rent thanks to the this company. 
We also have transcripts of the misleading statements and prepared to go to media so that this process wont happen to another first time homebuyers. This is the last statement the loan officer said to clients and I quoted from his message The loan is being underwritten and if she denies the loan he will have someone ready to review and approve it. 
I have everything in email and messages so Im prepared to go public about this process. 
XXXX is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
A person that I am certain I met online logged into my XXXX account and successfully deposited a check with my mobile account for {$10000.00} ( Endorsed/signed by XXXX. XXXX ) as if it were a check from the IRS write to me with my name and address. The bank cleared {$5000.00} of that check and a few days later it was returned as " altered ''. Next, he transferred funds from my XXXX account and performed a Cash App transaction with the user name XXXX XXXX ( XXXX XXXX ) from my personal Cash App account. He could not transfer more than {$1500.00}. I filed a fraud complaint with my bank and Cash App. Cash App did not investigate and told me basically that because the transaction had cleared, that I was out of luck. They did very little to help and I couldnt contact them in time to dispute the transaction before it cleared since it was out of business hours. If they have the persons cash app account and name with a bank or card to transfer to, why can it not be traced and why is there no protection for these financial institutions? They did nothing. I have filed with the FBI but I would also like to file with cash app for doing nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT

Complaint narrative:
I have contacted XXXX multiple times through dispute letters, and First Interstate Bank has had them verified with incorrect and missing information. I will attach a copy of 2 accounts reported by XXXX and verified by First Interstate Bank. These accounts both have the same account number. I only remember 1 account, since I would not not need a 2nd account with the same credit limit, both are joint. This is an error on First Interest Bank reporting 2 accounts with the same account number. I contacted First Interstate bank and asked them for a copy of the payment history I was told First Interstate Bank that they did not have any reports for this account number. The account number as reported by XXXX XXXX .... FIRST INTERSTATE BANK This was reported by XXXX Report # XXXX for XX/XX/XXXX. the only difference was one account was reported as opening XX/XX/XXXX and the other account opening XXXX of XXXX since there is no other way to see any difference i will use the date opened. The XX/XX/XXXX- has Terms Not Report INACCURATE, Monthly Payment Not Reported INCOMPLETE, Recent Balance Not Reported, This account shows an open date from XX/XX/XXXX and closed XXXX XXXX ( 4 Year 1 month ) The payments history shows only XXXX payment periods. Yet when I asked for a payment history from FIRST INTERSTATE BANK could not provide a payment statement. The second account with the same number which was opened XX/XX/XXXX shows Terms for ( 1 months )??????? There are 12 months reported on the payment history. The 2nd account with same number has an opened date of XX/XX/XXXX This account shows closed XX/XX/XXXX. How can an account be closed before it was opened INACCURATE??????? On this same account information such as monthly payment and Recent Balance are not report INCOMPLETE, This was verified by FIRSTINTERSTATE BANK. There are so many mistakes on this report from XXXX that have been verified by FIRST INTERSTATE Bank. FCRA Section 609 and 611 require creditors and credit reporting companies to provide accurate information on credit reports. If accurate information can not be provided then the account is to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
As of XX/XX/2023, I received results of my dispute saying it was updated. I see no changes in the update that I received. Im denying this update because there was a failure to verify the dispute correctly. I see on my credit report that these accounts were run as charged off. I never received the 1099-C Cancellation of Debt forms. Therefore, under consumer law 15 USC 1681e ( b ) these accounts are inaccurately reported and Im requesting that these accounts be removed from my credit, all 3 bureaus, immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
To whom it may concerns, on Sunday XX/XX/2023 I checked my credit scores on XXXX XXXX and pulled my credit report. It was showing no credit score and closed all accounts stating that I'm deceased. Well I'm still alive and well in good health. 
If they re-insert deleted negative information such as charge-offs, late payments, collections, and inquires after deleting EVERYTHING that's another violation of my Consumer rights under TILA and the FCRA. I only want positive accounts reporting on My Consumer report.

Under 15 USC 1681i ( 5 ) ( B ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting without My person 's consent. 
Transunion is allowing fraudulent negative information to adversely affect my person 's credit standing. 
I XXXX XXXX, Last four ending in XXXX, believe that ALL public debts are obligations of the United States as stated in 18 USC 8, 31 USC 3123 and 31 USC 5118. 
If any debt can not be verified under the penalties of perjury by an agent or Principal of a corporation, it must be removed from a person 's consumer report. 
Consumer reporting agencies rarely achieve this level of validation. 
Therefore, agreements established fraudulently must not negatively affect a consumer 's report once identified by the consumer as such. 
Truth in Lending is self explanatory. 

AFFIDAVIT OF TRUTH I, XXXX XXXX, do solemnly affirm and state under penalty of perjury that the following information is true and correct to the best of my knowledge and belief : I am fully aware of the importance of consumer privacy rights and the laws that govern the collection, use, and disclosure of personal information. As a consumer, I have the right to control how my personal information is collected, used, and shared by companies and organizations. 
One of the key principles of consumer privacy is the concept of " permissible purpose. '' This means that companies and organizations may only collect, use, or disclose my personal information for a specific and legitimate purpose, such as to provide me with a product or service that I have requested or to comply with legal obligations. 
I understand that companies must obtain my written consent before collecting, using, or sharing my personal information for any purpose other than those permitted by law. This means that companies must provide me with a clear and understandable explanation of how my information will be used, and I must be given the opportunity to opt-out of such uses. 
I further understand that I have the right to access, correct, and delete my personal information held by companies or organizations. This means that I can request that companies provide me with a copy of my personal information, update any inaccuracies, and delete my information from their records. 
I am fully committed to protecting my privacy rights and will take all necessary steps to ensure that my personal information is used only for the purposes for which it was collected, with my written consent and in compliance with applicable laws. 
I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

By : XXXX XXXX, Beneficiary Date : 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 2023-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MI

Complaint narrative:
This bank reversed over {$8000.00} worth of checks written to me from my father. They reversed them claiming forgery when it clearly wasn't and if they looked at the checks and signatures they would realize that. They never gave me an opportunity to dispute these reversals or anything. Upon contacting them they said they can't do anything about it which I don't see how when they were the ones that clearly did it and they could have easily just looked at prior checks to see matching signatures but instead they just reversed it without giving me a chance to dispute it after the fact or anything. He said never reversed them so who did and why is anyone allowed to reverse checks that don't belong to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Im in direct violation of th fair credit report actXXXX XXXX XXXX  c/o XXXX  XXXX XXXX XXXX XXXX, capital one and capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights.

15 U.S-C 1631 section 602A.clearly states that I have the right to privacy.

15 U.S.C 1631 section 604 A. section 2 ; it also state a consumer reporting agency can not furnish an account. without my written instructions.

15 U.S.C 1666/A creditor may not treat a payments on a credit card account under a open ; end consumer credit plan as late for any purpose.

Please the late payment and update this account remove immediately as they are in a direct violation of several laws under the fair credit report act/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: DISCOVER BANK
State: NY

Complaint narrative:
Im in direct violation of th fair credit report act. XXXX XXXX XXXX XXXX XXXX XXXX, Discover bank, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights.

15 U.S-C 1631 section 602A.clearly states that I have the right to privacy.

15 U.S.C 1631 section 604 A. section 2 ; it also state a consumer reporting agency can not furnish an account. without my written instructions.

15 U.S.C 1666/A creditor may not treat a payments on a credit card account under a open ; end consumer credit plan as late for any purpose.

Please the late payment and update this account remove immediately as they are in a direct violation of several laws under the fair credit report act/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: AR

Complaint narrative:
To whom it may concerns, on Sunday XX/XX/2023 I checked my credit scores on Credit Karma and pulled my credit report. It was showing no credit score and closed all accounts stating that I'm deceased. Well I'm still alive and well in good health. 
If they re-insert deleted negative information such as charge-offs, late payments, collections, and inquires after deleting EVERYTHING that's another violation of my Consumer rights under TILA and the FCRA. I only want positive accounts reporting on My Consumer report.

Under 15 USC 1681i ( 5 ) ( B ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Im in direct violation of th fair credit report act. XXXX XXXXl c/o XXXX XXXX XXXX, XXXX bank, XXXX  XXXX and XXXX XXXX XXXX  credit card bank XXXX XXXX bank XXXX has violated several of my rights. 

15 U.S-C 1631 section 602A.clearly states that I have the right to privacy.

15 U.S.C 1631 section 604 A. section 2 ; it also state a consumer reporting agency can not furnish an account. without my written instructions.

15 U.S.C 1666/A creditor may not treat a payments on a credit card account under a open ; end consumer credit plan as late for any purpose.

Please the late payment and update this account remove immediately as they are in a direct violation of several laws under the fair credit report act. What Happened : In cases of a charge off showing on a credit report, a company in required to send the consumer a 1099 for the amount of the charge off. That has not happened. I have not received a 1099 for any charge offs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX, XXXX Showing negative accounts on my credit report that are not in the negative please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchase a XXXX XXXX XXXX back in XXXX XXXX car was financed through Capital One. And the car was purchase from XXXX XXXX XXXX. I sent a letter by Certified mail to the CEO at XXXX XXXX XXXX a XXXX XXXX XXXX. XXXX XXXX the CEO of Capital One. Citing 15Usc-1605 stating that the finance charges are illegal. I can cite 3violations the sun of all charges/the insurance was not included with the loan. And there was no cash in hand. Under law all charges are supposed to be included in the finance charges including the. The gap insurance/the extended warranty. My Account # is ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
As of XX/XX/2023, PHEAA has sent a combined total of 4 pieces of mailed correspondence ( just to Borrower, cosigner is separate ). All 4 of these outline the same delinquency message for different loan sequences. PHEAA knowingly and willingly wastes paper by doing this, and in the process harasses me by sending this many pieces of mail. I have given them forewarning in the past about this. Going forward, if I receive additional pieces of correspondence outside of the allowable " 1 '', they will be sent back to PHEAA, unopened. All additional pieces of mail will have their container photographed and dated and given to the appropriate parties. PHEAA clearly does not understand that while they feel wasting paper is a necessity, I feel it is an unwanted burden even if borrowers do go past due. Their arguments never make sense either. Some past CFPB complaint responses have the responder claiming that if " I would just make the payment on time, I wouldn't receive any correspondence. '' Well that would make sense if I was only complaining about 1 piece of mail within a small period of time. Apparently, the people working there are bad listeners, un-educated, and ignorant to the actual issues brought forward. Making comments or statements that seemingly appear simple are all these individuals can come up with because the entire organization is based on laziness and negligence. Just ask New York and Massachusetts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As of XX/XX/2023, I received results of my dispute saying it was updated. I see no changes in the update that I received. Im denying this update because there was a failure to verify the dispute correctly. I see on my credit report that these accounts were run as charged off. I never received the 1099-C Cancellation of Debt forms. Therefore, under consumer law 15 USC 1681e ( b ) these accounts are inaccurately reported and Im requesting that these accounts be removed from my credit, all 3 bureaus, immediately!

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