vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 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: CA

Complaint narrative:
In addition to being a ID theft victim, the info on my Equifax and XXXX reports are showing a car that was charged off but paid in full in XX/XX/2022 is showing XXXX  ( CHARGE OFF/COLLECTIONSs ) on every month since XXXX of 2022. 

How can this be? IF the loan was paid in full in XXXX why isnt the reporting of the loan being accurately reported? 

The other issue is I am bot the person who got this loan as my ID was stolen. I am providing the FTC and Police report info with this complaint. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, MI XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from annualcreditreport.com. 
The fraudulent items are circled and listed here : XXXX. XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from annualcreditreport.com. The fraudulent items are circled. 
A copy of my Identity Theft Victims Complaint and Affidavit. 
A copy of my FTC Identity Theft Report. 
Proof of my identity and proof of my address. 
Confirmation of fraud alert. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my driver 's license/other government-issued identification card/other ] Proof of address Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Copy of fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In addition to being a ID theft victim, the info on my XXXX and XXXX reports are showing a car that was charged off but paid in full in XX/XX/2022 is showing XXXX  ( CHARGE OFF/COLLECTIONSs ) on every month since XXXX of 2022. 

How can this be? IF the loan was paid in full in XXXX why isnt the reporting of the loan being accurately reported? 

The other issue is I am bot the person who got this loan as my ID was stolen. I am providing the FTC and Police report info with this complaint. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, MI XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from annualcreditreport.com. 
The fraudulent items are circled and listed here : XXXX. XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from annualcreditreport.com. The fraudulent items are circled. 
A copy of my Identity Theft Victims Complaint and Affidavit. 
A copy of my FTC Identity Theft Report. 
Proof of my identity and proof of my address. 
Confirmation of fraud alert.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my driver 's license/other government-issued identification card/other ] Proof of address Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Copy of fraud alert

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 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Its hard inquiries on all three bureaus that I dont recognize. Its been 90 days since the last time I tried. I need these off so I can further my credit journey.

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 2022-12-30 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: MO

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : OXXXX XXXX XXXX XXXX XXXX XXXX  {$92.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$98.00} XXXX XXXX XXXX # XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$110.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX {$56.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$220.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: IL

Complaint narrative:
I have fraudulent inquiries on my transunion credit profile. The inquiries have prevented me from obtaining credit and I need them removed immediately. The fraudulent inquiries are from a company called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A company called XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 usc 1681 section 602 A my privacy rights have been violated.

Also 15 usc 1681 section 604 states that the company transunion can not publish information on my account without my knowledge

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 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
XXXX senior citizen transferred XXXX by moneygram XXXX XXXX, 2022. In transit status never arrived. 8 days now. Won't reply emails customer service just says investigating, all the money I have. Verified with recipient bank never arrived. Refuse to refund. No way to pay mortgage, eat, or buy XXXX medicine. Say they they have 90 days to resolve but won't tell me progress. It's fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: IL

Complaint narrative:
I have fraudulent inquiries on my transunion credit profile. The inquiries have prevented me from obtaining credit and I need them removed immediately. The fraudulent inquiries are from a company called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A company called capital one auto finance on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX and capital one on XX/XX/XXXX and XX/XX/XXXX According to 15 usc 1681 section 602 A my privacy rights have been violated.

Also 15 usc 1681 section 604 states that the company transunion can not publish information on my account without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I have fraudulent inquiries on my XXXX  credit profile. The inquiries have prevented me from obtaining credit and I need them removed immediately. The fraudulent inquiries are from a company called Santander on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A company called XXXX  XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX and XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX According to 15 usc 1681 section 602 A my privacy rights have been violated.

Also 15 usc 1681 section 604 states that the company transunion can not publish information on my account without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I wrote a check ( # XXXX ) for {$5700.00} addressed to XXXX XXXX of XXXX, California. This was the second payment on our annual property tax. The check was drawn on Citibank account ( account number XXXX ; routing number XXXX ). I posted the check at US Postal Service mailbox at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Someone, but obviously not a representative of XXXX XXXX, cashed the check on XX/XX/XXXX, according to Citibank records. ( I have a copy of the check in question ). On XX/XX/XXXX, someone supposedly representing the XXXX  XXXX XXXX, called me at my home and asked whether I had authorized anyone to deposit the check at the XXXX  XXXX XXXX. I said no. This same person then advised me to call Citibank, report what happened, and ask Citibank to block the account. The bank did so, but the check had already been cashed.XXXX said it would launch an internal fraud investigation. I have heard nothing substantive from Citibank since the initial report. On XX/XX/XXXX or XXXX, I reported a mail fraud incident to the US Postal Service. On XX/XX/XXXX, I received an acknowlegement of my report of possible fraud., stating that the case ( XXXX ) " ... was being reviewed by the US Postal Inspection Service . '' I also reported the matter to the XXXX XXXX Police Department. As of XX/XX/XXXX I have heard nothing futher from Citibank, the Postal Service, or the Police Department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This is a follow-up to CFPB Complaint XXXX and the other related CFPB complaints regarding the substantial delays by this servicer to agree to have the property reevaluated due to substantial energy efficiency improvements, in order to have the upfront paid PMI policy cancelled and XXXX refunded. 
As chronicled in the XXXX processed and uploaded in their portal, the broker 's price was {$260000.00} ( page XXXX of XXXX of the document ) which ends up leading to a loan-to-value ratio of roughly 60 %, far less than even the minimum threshold of 80 %. The XXXX also notes the substantial energy efficiency XXXX at the bottom of page XXXX of XXXX of their document. 
Therefore, the threshold has been reached to have the unnecessary PMI policy on this property cancelled and proportionally refunded. For some reason in previous complaints they didn't even understand that it is possible to cancel an upfront paid PMI policy. Hopefully others don't have to experience such unnecessary delays.

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 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am disputing four transactions made from my sons checking account ( Account ending in XXXX. My son is a minor and I am joint on the account. ). These were disputed on XX/XX/XXXX over the phone. Additional documentation was provided at the branch on XX/XX/XXXX. Communication dated XX/XX/XXXX was received confirming no additional action was required. It also noted that {$80.00} would be credited to my sons account. This has not occurred. I received a letter from Huntington dated XX/XX/XXXX indicating that a portion of the dispute was being denied. I attempted to resolve this at the branch on XX/XX/XXXX with XXXX for over an hour. Because this could not be resolved, she committed to returning my call on the XXXX. I did not receive a call. I followed up on XX/XX/XXXX via phone and left a voicemail at XXXX XXXX. I still have not received a return call from the branch. 

Today I again attempted to resolve this via phone and was unsuccessful. I have asked for Huntington to provide me with evidence that supports their perspective that the claim was resolved in part and canceled in part. Huntington is indicating that information was not received on two transactions totaling {$35.00}, but this request was never received. Additionally however when I went to the branch on XX/XX/XXXX, I was assured by XXXX that nothing additional was required. 

Huntington also indicated that two transactions totaling {$80.00} were rejected by the institution however they can not provide me evidence to that effect. I feel like my son is owed {$110.00} for these disputes or satisfactory evidence should be provided to demonstrate that the letter they sent to us was incorrect and poorly drafted. I feel that the letter was deceptive and not able to be understood by average people. I was referred several times to the statement as it is the complete evidence of an account. Because the transactions were not reflected on the statement, they never occurred, and therefore they could not be disputed. The letters from Huntington are deceptive, incomplete, and take advantage of the consumer. 

Huntington owes my son the money for the disputed transactions. I want it refunded to his new account. Alternatively, if the money is not owed to my son, I would like to see evidence of that. So far they have been unwilling/unable to commit to providing me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-30 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: DE

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

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: WI

Complaint narrative:
Lexis Nexis is reporting an eviction that the courts didnt provide to them to report. This is defamation! Although this is public information I DID NOT give my consent for them to share my personal information or report it. This is ruining my reputation and damaging it all in one! Lexis nexis has violated FDCPA and that makes them liable under 15 USC 1692k civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: VA

Complaint narrative:
I sent a letter well over 6months ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.

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 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Issue : I, XXXX XXXX, booked flights ( Itinerary : XXXX ) using credit card points through Chase XXXX XXXX XXXX for my brother, XXXX XXXX, and his family on XX/XX/XXXX ( pre-COVID ). These flights were subsequently cancelled due to the pandemic emergency and shelter-in-place orders. A credit of $ XXXX XXXX tickets was given with an expiration of XX/XX/XXXX. 

These credits expired during the XXXX XXXX variant surge where CDC and California state health officials discouraged airline travel. I contacted Chase in XXXX of XXXX asking for credit extension or refund given that the pandemic precluded travel on the date of expiration. They agreed to a full refund of XXXX points and cash refund of {$44.00}. To date, I have received the {$44.00} as a credit on my Chase account on XX/XX/XXXX. I have NOT received by refund of the XXXX points which is worth approximately {$2400.00} ( see XXXX file, attached ). 

On XX/XX/XXXX, I received an email from Chase stating I would be receiving a full refund of {$44.00} and XXXX, XXXX points ( see XXXX file, attached ). A credit to my Chase account of {$44.00} was provided on XX/XX/XXXX ( see " XXXX XXXX '' .jpg file, attached ) however I have not received my refund of XXXX points. 

I have made phone calls to their travel program ( Case number XXXX ) in XXXX and XXXX of XXXX and discussed the issue with two separate supervisors. Both supervisors stated they were unable to issue a refund because of a technical issue with their system as the reservation was too old. Each supervisor stated they would send a service ticket to their IT department and ensured a prompt resolution which has not occurred. This issue appears to be purely an IT/systems related limitation on Chase 's part to refund the points. They have already agreed, in writing and verbally, to provide the above refund and have already partially done so ( e.g. {$44.00} credit on XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delta Management Associates, Inc.
State: CA

Complaint narrative:
That account has been opened fraudulently without my knowledge. The company has not provided the original application/agreement with my signature like I have requested on XX/XX/2022 and XX/XX/2022. The billing statements that were sent have inaccurate information. Therefore, I have requested from the company a copy of the original application/agreement with my signature along with the company 's original purchase agreement. I have asked on two different occasions to send other information that does not include billing statements and I have not been provided that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: NC

Complaint narrative:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you're unable to verify this, Please have this collections deleted off my 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