vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 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: GA

Complaint narrative:
I am a victim of identity theft. My vehicle was broken into, and my wallet was stolen, which included my Georgia Identification, credit cards, and other items. I have already filed a police report. Since then, all my accounts have been used fraudulently because of the identity theft. As a result, I do not recognize any of the transactions on my credit report and none of the transactions relate to me. 

Dealing with this identity theft has been stressful and has caused me so many issues.

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 2023-10-04 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$46000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$46000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Was charged an annual fee that accrued interest charges. I called and paid the entire amount and wanted to cancel the card but was told I have to call back. I called back and eventually cancelled the card. After the card was cancelled, I received a bill for {$2.00} dollars. By the time I called the charge increased to {$4.00}, then XXXX although my balance is {$0.00} ( I had cancelled the cars and had not used it ). So I called and then asked why am I being charged these fees. I was told Macys does not apply payments until two billing cycles have passed. How can that be? I paid the {$8.00} amount which should have put my account at XXXX. However, today I received a Macys bill showing I owe {$2.00}. How can this be? 

Please help! This is disgusting, predatory and unethical. I am attaching my latest bill.

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 2023-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX. I have received two calls from a company called XXXX XXXX XXXX XXXXXXXX, the most recent was today, XX/XX/XXXX. They explained that I was part of a lawsuit and that they were calling to arbitrate the account on behalf of Capital one. Today after I told them for the 2nd time to stop calling me and to take me off their list they contacted a family member so I called them back. They claim they were hired by Capital One to Arbitrate a delinquent account. They had all my personal information, Full name, SSN, DOB, home address, Employer name. They threatened to call my employer when I told them they were wrong and that they were a phishing scam. The replied that they weren't which is why they had all my information. 

They provided me the last 4 numbers of an account I've never had ending XXXX XXXX, opened XX/XX/XXXX- last paid XX/XX/XXXX. The told me the last payment I made was {$180.00}. They said I received letters from Capital one informing me that the account was delinquent, and that they were hired to arbitrate before Capital One would take further legal action. They said they were looking for 2 years of compensation. They told me that I had this account set up on auto pay from a XXXX XXXX XXXX  account that most likely expired. 

The information they were providing was accurate except I didn't have a capital one account from XXXX - XXXX. 

They had a significant amount of information on me. It's very concerning that they are harassing me, calling my family, and worst threatening to contact my employer. 

The telephone number was XXXX. 

I have reached out directly to Capital one with no response. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXXXXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : 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 2023-10-04 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: AL

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: CA

Complaint narrative:
I find myself in a perplexing situation where I have followed every instruction provided by your bureau, yet my legitimate claim is met with rejection. My journey through this harrowing experience of identity theft has been nothing short of a nightmare. Every step I have taken, every document I have submitted, and every report I have filed with law enforcement agencies has been executed meticulously and in strict accordance with your instructions. However, instead of the support, guidance, and swift action that I expected to receive, I have encountered repeated roadblocks and the disheartening message that my identity theft claim is not valid. Here are the accounts that needs to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP. I also want these inquiries to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I find myself in a perplexing situation where I have followed every instruction provided by your bureau, yet my legitimate claim is met with rejection. My journey through this harrowing experience of identity theft has been nothing short of a nightmare. Every step I have taken, every document I have submitted, and every report I have filed with law enforcement agencies has been executed meticulously and in strict accordance with your instructions. However, instead of the support, guidance, and swift action that I expected to receive, I have encountered repeated roadblocks and the disheartening message that my identity theft claim is not valid. Here are the accounts that needs to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Please delete these accounts ASAP. I also want these inquiries to be removed immediately : XXXX XXXX XXXX XXXX XXXX and 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 2023-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have multiple cards with Payment Protection on them. I have started benefits on them and offered all information to get my benefits approved. I was in the hospital for 2 weeks and have been multiple times. My accounts are all in good standing but because I have had multiple benefits they have given me a really hard time. My doctors and staff has verified I was there and also I added a letter from my provider. They give me the run around and have stressed me out to the point I feel like its causing my sickness to worsen now. 
This is the Payment Protection Program I pay every month offered by Syncrony Bank. 
They have been rude people working from their homes with kids in the background people just disconnect the line after being on the phone for an hour. Im in tears asking for answers and No one helps they treat me awful and even with my team of people at the hospital trying to help it just never goes anywhere. I am more than frustrated and feel like Im being profiled and treated unfairly. Something needs to be done so that other people in my same boat dont go through this. I pay a lot of money each month and I have the right to be able to be treated fairly.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: PA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXX  Balance : {$870.00}

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 2023-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: DHI Mortgage Company
State: KY

Complaint narrative:
I am very disappointed with DHI for selling my loan to XXXX XXXX XXXX. They offered me a low interest rate and then sold my loan to XXXX XXXX XXXX that has a bad reputation. Since XXXX transferred my loan, XXXX has only processed one of my payments. I have three payments that XXXX has not processed. I called to inform DHI on today, XX/XX/XXXX about my disappointment and asked if my loan could be transferred back to DHI but the rep I spoke with was very unprofessional and rude. I did not catch his name, but I made the phone call on XX/XX/XXXX, around XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
I would like to file a complaint against Kenoshian & Mielle LLP and XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX bought a credit card balance of mine from XXXX from XXXXXXXX XXXX, the balance I defaulted on was less than {$1000.00}. I was told they bought a ghost account. Im not sure what that means. 

They attached my paychecks back XXXX for a total of {$6000.00} paid in full. That was the amount they said I owed. I assumed I had paid that debt in full 20 years later. 

On XX/XX/XXXX, I received another letter from them and a court judgment for another {$5200.00}. This came 3 years after I paid them {$6000.00}. They wont stop coming after me. It is a racket and I want to file a complaint for them to stop. I feel like this will never end. Ive attached the papers sent to me. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I have been dealing with Freedom Mortgage since XXXX of XXXX with a lost mitigation process. They've caused more problems than solutions. XXXX  XX/XX/XXXX a foreclosure was set to take place so XXXX XX/XX/XXXX i called to beg and plead to request more time for document and application reviews and processes to resolve this issue and update the balance all i got from them was the run around with repeatedly saying there is nothing they can do to help its to late. I called the attorney involved several times and got no answer or call backs. So i got an agent from XXXX XXXXXXXX XXXX  to assist me with the matter on XXXX  XX/XX/XXXX we made a 3way call to XXXX  to request for more time to allow an Illinois housing assistance application to be reviewed and processed before the foreclosure takes place. XXXX XXXX is my witness, my XXXX agent witnessed the misconduct they performed to offer any kind of help. XXXX said they would send the request in and that they would reach out to me within 24-48 hours before the foreclosure with an answer which i NEVER received causing the foreclosure to proceed. XXXX  XX/XX/XXXX we made another 3way call to XXXX to ask what happened with the request along with rudeness and back talking we found that the request was never submitted to the attorney involved. i am submitting this complaint because XXXX XXXX has caused my family and I so much pain and stress this last year when all i have done is comply and cooperate with everything and everyone involved with 0 compassion in return. I have many efforts to make things right, to resolve this issue, to restore my mortgage balanceXXXX XXXX XXXX has not helped or assisted me in finding any solutions every step forward i take they push me back 2 more that is why i am here telling you about it. I need your help to get this resolved correctly and professionally. also, i have submitted a complaint to the Illinois Attorney General to help with this matter, after this is over I will be submitting a lawsuit against them for all the unnecessary damage they've caused my well being. there is more to this situation that I would be more than happy to discuss with you.

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