vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
I am writing to dispute the accuracy of my credit report, which contains an account that does not belong to me. I did not authorize anyone to use my account, and it is therefore unacceptable that it appears on my credit report. I have attached the necessary documents to support my claim, and I request that you take immediate action to remove this inaccurate account from my credit 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 2023-05-01 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 am writing to dispute the accuracy of my credit report, which contains an account that does not belong to me. I did not authorize anyone to use my account, and it is therefore unacceptable that it appears on my credit report. I have attached the necessary documents to support my claim, and I request that you take immediate action to remove this inaccurate account from my credit 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 non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand that you are requesting the removal of a late payment from your account, as you have never been late and have been working hard to make your payments on time. In order to assist you with this, please provide me with the necessary documents so that I can further investigate the issue and assist you with disputing the late payment with the credit bureau.

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 2023-05-01 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: NC

Complaint narrative:
They have repeatedly violated my rights as well as the Fair Credit Reporting Act. Despite the several correspondences Ive had with them, they refuse to correct and continue to report inaccurate and unverifiable derogatory information about me. 
For one, I filed and informed Equifax and XXXX of an identity theft report in regards to the XXXX account and I also Informed them the information on the XXXX account was incorrect and derogatory and it needed to be deleted immediately. I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Reporting Act. They have allegedly verified this account several times electronically with the original creditor but never once to me as mandated by law. 
Secondly, I've actually disputed with XXXX XXXX and XXXX XXXX XXXX several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as open-end consumer credit plan as " late '' for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I am having issues with XXXX and Transunion regarding my credit score.

My credit score with XXXX and Transunion dropped 45 points from XX/XX/XXXX to XXXX XXXX.I reached out numerous times to both companies and they refused to assist me, only giving me the credit report but not telling me what changed in my credit rating. It is interesting because I am preparing to buy a home, therefore I have not in the past months opened a new credit line ( any loans whatsoever ), I have maintained for years now a credit usage below 3 %, my salary has increased, and my outstanding loans ( student loans and auto loans ) have decreased in balance. 

I have been trying extremely hard to understand from XXXX and Transunion what new information caused them to drop 45 points with zero success. 

Fico and XXXX, both have me rated between XXXX and XXXX, which is where I was with XXXX and Transunion until they decided to lower my score 45 points and can not explain to me why... 

XXXX and Transunion are preventing me from obtaining a loan for a home ( would be my first home ) because of their poor credit rating whenever they can not substantiate their reporting. 

I beg for assistance, they keep sending me to different departments and no one ever helps me... 

Regards, 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 2023-05-01 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXXDate of Inquiry : XX/XX/2023 2. The inquiry was not authorized XXXX XXXX of XXXX : XXXX remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Upon transfer of my account my payment was {$470.00}, within 2months increased to {$750.00}, two months later to {$1000.00}. Was told that prior company was not charging enough and they added insurance. Found separate insurance and was instructed by them to forward them the invoice and they would pay out of escrow. Never did, therefore insurance cancelled. Tried getting explanation numerous times and tried making payments, they would not accept. Mailed them a cashiers check for amount close to what I owed, since I could never get a straight answer regarding amount, and they returned stating an absorbenant amount. Have send numerous emails and left messages for return phone call to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX {$0.00} {$0.00} {$0.00} - - - PAID XXXX XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION ; ORIGINAL CREDITOR : XXXX ASSIGNED ON XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX -- / -- XX/XX/21 {$120.00} XXXX {$0.00} {$0.00} {$0.00} - - - PAID XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX ASSIGNED ON XX/XX/21 I have previously disputed these accounts and requested validation, no documents have been provided to validate the account, no response was received in a timely manner, and there continues to inaccurate information being reported. Since none of this worked, I decided to pay for deletion. Which they agreed to. No it is still listed on my XXXX and Transunion credit reports. 

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX Account # XXXX and XXXX 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 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-01 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: NC

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account opened XX/XX/XXXX and XX/XX/XXXX, has violated My rights 15 USC 1681 Failure to report complete and accurate information. In XXXX XXXX XXXX TransUnion all reported that I had a past due balance on a charged off account which is incomplete and in accurate and in violation of 15 usc 1681. Both. XXXX and XXXX show payment history mean while TransUnion shows no history which is also inaccurate and complete which is in violation of 15 usc 1681

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 2023-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: OH

Complaint narrative:
Whoever it may concern, Since XXXX of XXXX, I have been a Cash App customer under the name XXXX XXXX. I am writing to dispute a transaction that occurred on XX/XX/XXXX that was not authorized. 
On the date indicated above, my employer XXXX XXXX XXXX XXXX XXXX XXXX deposited {$270.00} into my account. However, when I checked my account at XXXX XXXX, I discovered that the funds had been removed. At XXXX XXXX, I engaged in a communication with XXXX, Cash App Advocate, who informed me, " I see that we were notified of your {$270.00} direct deposit on XX/XX/XXXX at XXXX XXXX. XXXX. Typically, it takes one to five business days for the funds to be deposited into your account. Although we can not deposit these funds any faster, they will be available in your account as soon as the bank settles the deposit. It may take 1 to 5 business days for the funds to become accessible in your account, XXXX. 
However, I contacted Cash App on Monday, XX/XX/XXXX at XXXX XXXX and inquired about the status of my funds with XXXX XXXX ID XXXX. The representative informed me that between XX/XX/XXXX and XX/XX/XXXX, several technical issues increased my available balance, which paid for purchases at XXXX, and they deducted funds to cover those costs. 
Concerning this matter, no communication was ever sent informing me that there were technical issues that would have an impact on future finances. 
Second, their staff 's inconsistency regarding the status of my funds is perplexing, and I need to know the status of my funds. 
Third, the lack of these funds has contributed to financial hardships ; how will this issue be resolved? 
In addition, I would like to submit copies of the conversation in which XXXX confirmed that I would receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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'm really upset that they are appearing on my credit report and ask that you please erase this account since it is not mine. I would want the business to take this off my credit report so that I may begin a new chapter in my life, but I am unable to do so due to this unidentified 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 2023-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Remove all old addresses and personal information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One has been hacked before. Today, on XX/XX/2023 I can not access my accounts on their website!!! And I have 4 accounts!!!! I cant reach them by phone either. 

You can not continue to let these multi billion dollar companies get away with this!!!! 

Their website says we can not access your accounts but were working on it. 

How unprofessional!!!!!!!!!!! And extremely inconvenient!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Purchased a XXXX XXXX XXXX in the amount of {$1200.00} on XX/XX/2023 from XXXX online using my Chase Bank credit card. On XX/XX/2023, instead of the XXXX XXXX, a XXXX XXXX XXXX cellphone was delivered from XXXX. I got return authorization and returned the cellphone which was shipped back through XXXX on XX/XX/2023. The return was received on XX/XX/XXXX and a refund confirmation/ refund receipt were sent to me on XX/XX/2023. The return credit was pending in my credit card account for about a week but never finalized and I never received the credit to my account. I ended up opening a dispute with Chase Bank and receiving a provisional credit. 

After about two months the credit was reversed, because the merchant responded saying they received the wrong item, completely ignoring that I had received the wrong item and that was the reason for the return. I had submitted all documentation of the return tracking, the return receipt, picture of the item I received, etc. By allowing this charge to stand on my account, the credit card company is causing me financial harm by ignoring all common sense/evidence because the merchant simply " responded '', even though the response is not fitting or relevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2023, I received an email from Experian stating that my email address for my online account had been changed. I never changed my email, so I emailed Experian as advised to do in the email change notification. The first response I got was asking me for more information in order to help me. I replied with the information requested. Then I eventually never heard anything back. I continued to email in attempt to resolve the issue. Apparently email is the only way to contact experian regarding hacking. They finally replied, and asked me to fax or mail a copy of my drivers license, social security card, and a utility bill to their consumer affairs department. Then they would be able to delete my account so that I could re-register. I wrote back several times and advised that I have been a victim of identify theft and was not comfortable faxing or mailing a copy of my social security card. I didnt want that type of info sitting on a fax machine in Texas with people I dont know. I also didnt want to risk the info getting compromised in the mail. I tried to reason with experian by explaining my hesitation to them. I also explained that it seemed ridiculous for me to have to send all that stuff, when I didnt need it to register, nor did the hacker need it to take control of my account. They still insisted on me sending these documents. I offered to meet them halfway by sending documentation via email with some info censored out ( like the first 6 digits of my social security number ) They wouldnt budge. I told them they had until Friday, XX/XX/XXXX to confirm the account had been closed or I would file a complaint. I have not received any confirmation, so here I am. I do not wish to re-register considering their lack of cyber security and the fact that they want me to send such critical documentation to a fax machine or mailing address, when my account has already been compromised. I just want the account closed and confirmation of the closure sent to the original email on the 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 explanation
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
I'm really upset that they are appearing on my credit report and ask that you please erase this account since it is not mine. I would want the business to take this off my credit report so that I may begin a new chapter in my life, but I am unable to do so due to this unidentified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD Auto Finance still has a lien on my vehicle. I paid it off in XXXX  so there is no reason for this lien to still be on the vehicle. Ive tried calling through various numbers over the span of a week but the Auto Loan department is not available.

Company response to consumer: Closed with non-monetary relief