vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
A XXXX XXXX credit card was opened in XX/XX/XXXX without my permission. The credit card address is XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. Their phone number is XXXX. I spoke with " XXXX '' on XX/XX/XXXX at XXXX and she said that she would close the account. The account is still open as far as I can tell. I also show another name and address. Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: Fidelity National Information Services, Inc. (FNIS)
State: NM

Complaint narrative:
I demand that the following names and accounts immediately be deleted per 605B 15 USC 1681c2.My previous dispute was denied by Chexsystems for not submitting an identity theft report that is signed by a law enforcement officer. Chexsystems stated that the FCRA requires an identity theft report be signed by a law enforcement officer, when in fact it DOES NOT.The FCRA does NOT require a signature for an identity theft report. According to the FCRA, all that is required for a valid identity theft report is proof of the identity of the consumer, copy of an identity theft report, the identification of such information by the consumer, and a statement by the consumer that the information is not information relating to any transaction by the consumer. The FCRA further explains in 603 15 USC 1681a that the term identity theft report is defined as a report that alleges an identity theft, and that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agencyI provided ALL of the information and reports required by the FCRA to Chexsystems. My identity theft report was filed with the Federal Trade Commission and is 100 % valid according to the FCRA, and it is ILLEGAL for Chexsystems to continue reporting this information on my consumer report. They are in clear and direct violations of my rights as a consumer. Chexsystems must block the information no later than 4 business days after receipt of identity theft information.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
These late payments do not reflect my regular payment behavior.

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 2024-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX quit deed her brother the house paid the mortgage out of her Bank account automate paid her mortgage part of the mortgage agreement. She died. I paid the mortgage out her estate. XXXX XX/XX/XXXX, the bank sent her a letter informing her since they was unable to draft recent loan payment from the designate account. On XX/XX/XXXX the bank sent her a payment statement she owe XXXX. Since I paid it. On XXXX, XXXX I went to Webster Bank In XXXX ad informed the bank of my sister death and showed the bank the death certificate and Quit deed that Iam the new owner of the property. And informed the bank Iam not paying another mortage until the problem is strengthen out. The bank notified the loan department and informed me the mortage department will contact me in a week. I received a letter from the loan department in XXXX ct. If i don't sign the letter saying Iam the successor in interest the bank won't send me notice or communication. When I reviewed the discloser agreeing the bank approved the loan with loan with an escrow account with the interest. But with the escrow the loan is payoff. So se was paying the principal on the mortgage loan with interest. See attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: WI

Complaint narrative:
US Bank Home Mortgage employees are not aware that when Loan is paid off Lender is required to mail Free and Clear Merchantable Title to the Borrower. 
Per my experience US Bank Home Mortgage employees do not understand that Title and Deed are 2 different things, so they all are sending me over to a Register of Deeds.I spoke with : XXXX XXXX XXXX XXXX XXXX XXXX escalation line ) on XX/XX/year> and they all are sending me to a County Register of Deeds. On XX/XX/year> I spoke with XXXX, XXXX, XXXX on escalation line and they too sending me to Register of Deeds. So I am embarrassed that they are all clueless at US Bank Home Mortgage : Today I provided XXXX from escalation line telephone number for Register of Deeds and XXXX at XXXX of Deeds told her that they only record Deeds and they don't deal with Title, however XXXX does not understand that Title and Deed are different documents. I requested that XXXX escalate my call to someone who knows what Titles is and she pretended that she did not hear me and disconnected the line since " I am not speaking '' instead of transferring me to someone who knows what Title is. 
I was educating all this named Employees of US Bank Home Mortgage that Title and Deed are different documents.

I paid off my mortgage I need US Bank provide me with my Free and Clear Merchantable Title : if they lost it they need to hire Title company to produce me a Title at their cost, because they held my Title when they lent me money to purchase the property.

Lender is provided a Title for the property when Lender borrows money to a Borrower, after Borrower pay off the Loan Lender is required to provide Title to a Borrower within 6 month.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good afternoon! I made 2 payments of {$400.00} to this card in the month of XXXX and it does not appear on the credit report. The amount owed does not match the current amount.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-11 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: IL

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: IL

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The payment information for the month of XXXX and XXXX is not reflected in my credit experian!

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NH

Complaint narrative:
My driving record got an accident that someone in my house had and now I pay more for car insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Due to the most recent data breach where millions of XXXX numbers were exposed I wanted to freeze my credit. I was able to easily lock my XXXX and XXXX accounts but TransUnion made it impossible. First, I tried calling their customer service and was on hold for 45 minutes. I was prompted to " hold '' my place in line by providing a call back number which I did. After a week I did not receive a call. Secondly, I tried using their chat system twice. The first time I spoke to " XXXX '' and he a phone number to call but exited the chat before I could get the number. Several days later I tried the chat method again the this time I spoke to " XXXX '' and he was NOT HELPFUL at ALL! I tried to telll XXXX that by law they ( TransUnion ) are supposed to allow me to easily freeze my credit. He advised that I needed to email someone at TransUnion. 

At the time of this complaint I still haven't been able to freeze my credit.

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 2024-09-11 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: IL

Complaint narrative:
I have asked several times for XXXX to remove the following hard inquiries and it has not been removed as of yet. 
XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2024-09-11 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: IL

Complaint narrative:
I have asked several times for XXXX to remove the following hard inquiries and it has not been removed as of yet. 
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 explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PNC Bank N.A.
State: OK

Complaint narrative:
I originated my mortgage in XX/XX/XXXX and have made additional principal payments each month. This has contributed to a 35 % reduction in the principal of my original loan amount of {$100000.00} resulting in a current balance of ~ {$68000.00}. It is my understanding that once more than 20 % of the principal balance has been paid that PMI may be removed. I contacted PNC Mortgage Customer Service on XX/XX/XXXX to inquire about how this could be achieved. I was advised that my request would be passed to the appropriate department and would receive a letter in 10 days advising if it was complete or not. Instead, I received a letter on XX/XX/XXXX advising that my PMI is scheduled for automatic removal in XX/XX/XXXX, per my amortization schedule. The letter then stated that if I would like to have this removed early, I would have to pay {$190.00} for a real estate broker to assess the value of my home but PNC has to facilitate and schedule to ensure it's legitimate. 

This seems like some type of scam to fleece me out of additional fees. I fail to see the need for me to prove the value of my home, when in 7 months PNC will automatically remove the PMI with no questions asked. This is clearly an unfair business practice that needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation