vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 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: FL

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. 

XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-25 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: FL

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-25 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: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-25 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: MI

Complaint narrative:
On my credit report there are several errors. I spoke to the original lender and stated there was nothing they could do. Transunion reported on XX/XX/2021 was when account was last active and XX/XX/2021 was last paymentXXXX XXXX  states on XX/XX/2021 account was last active and XX/XX/2021 was last payment. XXXX states XX/XX/2021 was last active and XX/XX/2021 last payment was made. All these errors on this report are confusing. This has caused me stress and time lost to complete my goals with my credit. Please remove this off 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 2023-07-25 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I opened my 5/3 bank account and saw a pending charge for {$390.00} from XXXX on my checking account. I immediately called the bank to let them know there was fraud on my account. Customer service said I needed to wait until the charge went thru and they took my money before they could dispute the charges. The next day the charges went thru and I went to the banking center to dispute the charge on my account. After 8 days they gave me a provisional credit and I thought it was taken care if. I had a new debit card and my money was returned, When they did the initial dispute there were a few other charges I never saw on my account from earlier in the year - starting n XXXX for a total of {$18.00} that they also disputed at that time. The bank has now taken my {$390.00} back out of my account on XX/XX/XXXX and to add insult to injury they are stating that due to regulation E they will NOT return that {$390.00} because I didn't report fraud earlier.. I had no clue it was there.. but it gets better,, on XX/XX/XXXX I was woken up to a text message from 5/3 bank at XXXXXXXX XXXX asking me if a {$390.00} charge from XXXX was my charge- I declined it and they shut my card down againbut did NOT BLOCK the charge and XXXX got another {$390.00} and the bank forced me to wait again until the charge went thru my account and they took my money AGAIN on my NEW card that the bank issued me incorrectly and I am now disputing that charge. Apparently the bank MANAGER did not properly shut down my debit card and allowed Mastercard to send my new card information to XXXX to hit my account yet again for another {$390.00}. At XXXX XXXX I responded that it was not my charge and the bank still allowed XXXX to take my money and forced me to dispute another charge that was caused by the bank manager for not properly shutting my debit card down in the first place. I have now filed three disputes. The bank gave me {$18.00} of the total {$810.00} that has been fraudulently charged on my account and told me too bad on the {$390.00} that was charged in XXXX and that I should have reported fraud sooner.. If I had I know there was fraud earlier on my account I would have reported it immediately. The bank refuses to refund {$390.00} that was disputed from XX/XX/2023 and I am still waiting on a provisional credit and final credit for the second {$390.00} that was stolen from my account dur to the incompetency of the manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, XXXX ( Acct # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an 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. 

Remove this late payment and update this account immediately as you are in Direct violation of several laws under The Fair Credit Reporting Act.

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 2023-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient never sent me notice regarding payment. XXXX deferred loans during XXXX. This should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: PA

Complaint narrative:
I called the original creditors, today XX/XX/23. To have the unverified and unauthorized items deleted and were told to contact the consumer reporting agencies directly to have the inquiries removed immediately. I am now filing this consumer, financial protection 15 U.S.C 6801 with accordance to the FCRA to legally have these items delivered 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 explanation
Consumer complaint received 2023-07-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I called the original creditors, today XX/XX/23. To have the unverified and unauthorized items deleted and were told to contact the consumer reporting agencies directly to have the inquiries removed immediately. I am now filing this consumer, financial protection 15 U.S.C 6801 with accordance to the FCRA to legally have these items delivered immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I am a XXXX XXXX  whose home was destroyed in Hurricane Ian & my XXXX  is a XXXX. 14 days after the hurricane, our mortgage was bought out or transferred to M & T Bank. Ever since then, we have had nothing but issues with this mortgage company. Every time you call their loss draft dept, you get a different answer. Some of their agents are not trained right. 
It's been almost a year since hurricane Ian & we have completed extensive repairs to our home so we can move back in. Our home is approx 90 % done right now, however M & T Bank claims it's only 50 % done ( per their inspector ). Because of their inspectors report, they will not release any more insurance money to us. However, their inspectors have only done " remote '' inspections & have never been to our home. 
Last week I requested an in-person inspection be done and M & T bank cancelled my inspection request. Now they claim they need another " scope of work '' from my insurance co XXXX XXXX XXXX XXXX XXXX ) which went out of business in the state of FL. So now I have forced placed insurance thru M & T Bank but their agents don't seem to know that. One customer service agent tried calling my old insurance company, even after I told her I had forced placed insurance thru M & T Bank. 

M & T Bank seems to make every excuse so they can keep the insurance money as long as they can. I'm sure they " make money '' off of it.

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 2023-07-25 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: 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. 

XXXXXXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/2019 and a balance of {$0.00}. 

The late payment should not be on my credit report I was never late and the account is paid in full and closed please correct asap.

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 2023-07-25 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: FL

Complaint narrative:
Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized accounts and Inquiries. Additionally, I have reason to believe that these accounts and Inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized accounts and Inquiries listed on my credit report, which I believe to be a consequencXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX. XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being.

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.

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 2023-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I obtained this debt due to XXXX. The collection status was deleted from my report months ago and now its showing again. This is unfair credit reporting practices under federal law. I am a XXXX XXXX  and the practices demonstrated are not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: MO

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: MI

Complaint narrative:
XXXX XXXX XXXX IS POSTING NEGATIVE AND LATE PAYMENTS ON AN ACCOUN T THAT IS CURRENTLY IN LITIGATION DUE TO THE FACT THAT WE HAVE BEEN DEFRAUDED. WE PURCHASED A TRUCK AND WARRANTY FROM XXXX XXXX XXXX AND IT WAS FUNDED BY XXXX XXXX XXXX THE WARRANTY COMPANY REFUSES TO COVER SERVICES THAT ARE UNDER THE CONTRACT THAT THE DEALERSHIP SOLD US. THE BANK CONTINUES TO REPORT LATE CHARGES ON ADD ON SERVICES WE NEVER RECEIVED.

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 2023-07-25 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: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2023-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I received my Annual Escrow Analysis on XX/XX/2023. My lender, Navy Federal Credit Union advised the amount applied to escrow needed to increase to satisfy the anticipated escrow disbursements for the following year. The amount quoted was {$2000.00}. I was given the option to pay that figure in full or pay the amount over a 12 month period with an increased monthly mortgage payment. The new payment schedule was to begin on XX/XX/2023. 
On XX/XX/2023, I paid the full escrow " shortage '' of {$2000.00} in addition to my regular monthly payment of {$1500.00}. Navy Federal mailed a new monthly mortgage invoice on XX/XX/2023 acknowledging the additional escrow payment and my regular monthly payment but still noted I was due to make the increased monthly payment of {$1800.00} on XX/XX/2023. I called Navy Federal on XX/XX/2023 and requested explanation for the increased payment. If I have paid the escrow in full, there should not be an increase of my monthly payment. The representative could not provide any other explanation other than, there are other fees they account for that may need to be paid. I asked for examples and she provided only " if '' a special tax assessment is made. I explained those are sent to the homeowner and not the mortgage company. I also asked for the correct escrow amount as I did not want my payment to increase. She could not provide that amount but also did not offer to return the additional escrow payment. I requested a return call from a manager or supervisor. As of the date of this complaint, I have not received additional communication from Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Agent advised me that my accounts were closed on XXXX XXXX due to the terms and conditions and nonpayment. Capital One Agent also stated that they could still charge my account for interest fees due to credit card agreement. I requested for a copy of the truth in lending disclose and a the arbitration clause from the Agent of Capital one, Agent of Capital One stated that its no way to send me them upon my request the only thing they could send me was a credit card agreement. Capital One have several accounts in my name and are restricting access to my accounts. Also an auto loan request Not made by me. I will attach the notices from capital one. Capital One have also furnished false and misleading information to the credit reporting agencies. Capital One have charged me security deposit to open an account with them that was later paid to them, because of my lack of awareness at the time. Capital One Agents have caused damages to my mental health, causing stress by not being able to provide for my family, and my credit worthiness by reporting inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: EQUIFAX, INC.
State: MO

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-25 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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