vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 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 have a fraud alert from all three credit bureaus. Im not understanding how they are letting fraudulent inquiries repeatedly post in my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am responsible for this one and it should only be showing once. 
XXXX XXXX XXXX XXXX XXXX XXXX  I am not utilizing any of these institutions and has never conducted any business with them.

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX XXXX I was denied an extension of credit by Capital One Bank when I applied for a Capital One credit card. 
As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691c you assume civil liability pursuant to 15 U.S Code 1691e. Capital One Bank violated my federally protected consumer rights. Treating me less favorable than other applicants for any reason is discrimination. Pursuant 15 USC 1691a ( d ) It is my right to be granted credit by Capital One Bank. 
1 ) 15 USC 1691 2 ) 12 CFR 1002 Since the letter sent to me dated XX/XX/2023 is both proof and evidence that I have been discriminated against, you are also criminally liable. There is no statute of limitation on fraud. Capital One Bank should consider resorting to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered securities fraud since I have received NO BENEFIT from my tender of collateral. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
US Bank Charges a {$7.00} check cashing fee to cash paychecks written from business accounts from them if you do not have an account with them. This violates labor law that says the instrument for paying wages must not be discounted. I live in Oregon and the State of Oregon has its bank accounts with US Bank. I have complained on a state level and contacted the corporate offices of US Bank and have had no response. When I asked to speak to the branch manager they said they didnt care what the law was, that they charged XXXX dollars for non account holders and tried to get me to open an account. Also they refused to give me a receipt for the XXXX XXXX XXXX to cash the paycheck and a receipt for cashing it. They need to be investigated and will be found guilty of this. They should be ashamed of taking advantage of American workers and make them care what the law is.

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 2023-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
I received notice from Progressive management Systems that they were collecting a debt from XXXX XXXX XXXX XXXX I submitted in writing within 30 days that I dispute the debt and that I have explanation of benefits from XXXX XXXX that show the amount owed which is significantly less than the amount XXXX XXXX XXXX is showing. Also, XXXX XXXXXXXX XXXX never gave me credit for payments made on-site to the account. Under the FCRA the collection agency is not allowed to continue collecting this debt until they provide certain information, which they have not done. On XX/XX/ I received further communication from PMS attempted to collect the debt even though they never responded to my dispute which was timely filed under the law. This is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AL

Complaint narrative:
I had a scheduled XXXX on XX/XX/2023... .in my local hospital to have a XXXX XXXX. I was in XXXX for approximately XXXX hours then went to recovery. On XX/XX/2023... I looked at my bank acct to see if my social security check had hit my acct yet. When I went in to check there was over XXXX missing out of my act. The $ missing was from XXXX fraudulent charges of XXXX each. Made on my acct. Which I locked immediately.The charges were made while I was in XXXX and recovery. I contacted my banking institution and the Said I had to file each individual complaint as fraudulent. An individual finally worked with me to help me file them since I was just getting home and still recovering from XXXX on XX/XX/XXXX. I noticed on XX/XX/XXXX that my bank sent me an email stating they needed to verify my identity by XXXX Eastern standard time to keep my acct open I sent the copy of driver license and a selfie. The identity verification tab verified my identity went through at around XXXX XXXX. The email from my bank also stated the reason they wanted to verify who I was is because they thought " based on ther data and analytics my dispute my be fraudulent or false '' ... ..now I have been in the hospital in XXXX the days all this happened!!!! ... now ot XXXX XXXX  XX/XX/XXXX I get another email from my bank stating " we closed your cash card you didn't verify your identity after your dispute was flagged as fraudulent or false '' your dispute has been denied... .reason for declination " acct history..trans dusputes ... or other possible violation of terms if service '' ... .we can not provide further details and are unable to change decision. Then finished with I can't order a new card but I can still access my money in the acct and stocks and bitcoin hiw can they determine my acct was making a false or fraudulent accusation when I jumped through all the hoops they wanted me to. Then when I called back in I was treated like a criminal over the phone and Noone offered any help if it did not go by there pre scripted statements ... ... .there was over XXXX ... ... XXXX charges ... .I am a XXXX XXXX  man ... I have better thing to do especially when I am having a XXXX XXXX  that listening to over XXXX songs on an app.thanks for your assistance ... ... all this info is verifiable and none of it is false. It is all documented with emails and XXXX times at hospital ... ... .thanks for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-06 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: TX

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: TX

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-06 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Newrez LLC seems to be running an insurance scam. They purchased my mortgage from another lender and began servicing it several months ago. About a month ago they sent me a letter claiming that I did not have insurance for the property and threatened to purchase insurance on my behalf. I do have insurance, I have always had insurance, and have at no point agreed to allow them to purchase insurance on my behalf. I uploaded proof of insurance to their website. I received a letter today indicating that they have purchased insurance on my behalf at a premium of {$2100.00}. My typical insurance premium is {$620.00}. My insurance company, XXXX XXXX, actually billed Newrez for my insurance, and Newrez paid the premium. So they absolutely know that I have insurance for this property, they literally paid the bill out of my escrow account. I believe they are affiliated with this other insurance company that they bought insurance from this other company ( they didn't even provide me with the name of the company ) and are intentionally ignoring the fact that they have paid my insurance bill with XXXX XXXX from my escrow account so that they can charge me three and half times the typical rate. I require assistance retrieving the funds that they have stolen from my escrow account. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW 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 non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
In XXXX and XXXX of XXXX  my mortgage payment was deemed as late. There was an error because funds never were taken out of my account.I had to call and tell responders to take money out of my account. And my payment was late XXXX months in a row because of this. 

Also in XXXX, XXXX, and XXXX of XXXX  this happened again. So I moved payments to another account. Because of this ongoing issue.

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 2023-12-06 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: NY

Complaint narrative:
I was a victim of Equifax Data Breach and these accounts need to be deleted immediately. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Equifax : After reviewing your response to my dispute letter of charge-off account.

1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXXXXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX  attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting. 



1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 



2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 



These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 



Im carefully tracking all correspondence with your company. 



I think 30 days should be long enough for your company to complete this investigation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I AM LOOKING FOR ASSISTANCE WITH A TITLE LOAN. MY TITLE LOAN. LOAN ORIGINATION DATE XX/XX/XXXXXXXX  {$1000.00} AGAINST MY XXXX XXXX XXXX. AFTER SEVERAL PAYMENTS, THE TITLE COMPANY SUGGESTED REFINANCING FOR MORE TIME TO PAY. XX/XX/XXXXXXXX  MY BALANCE IS OVER {$1500.00} DESPITE MAKING HIGHER $ ON-TIME PAYMENTS EACH MONTH. TOTAL PAYMENTS I HAVE MADE AS OF XX/XX/XXXXXXXX  IS {$4500.00}. XX/XX/XXXXXXXX  MY OUTSTANDING BALANCE REMAINS AT {$1700.00} ON A $ XXXX.I KNEW THE RISK OF OBTAINING A TITLE LOAN. HOWEVER MY INCOME IS NO LONGER WHAT IT WAS. I HAVE SINCE HAD TO FILE BANKRUPTCY. I HAVE MANAGED TO KEEP THIS LOAN OUT OF DEFAULT. I CAN NO LONGER MANAGE THIS. MY XXXX XXXX XXXX VEHICLE IS ALL I HAVE. MY XXXX INCOME IS NOT ENOUGH TO LIVE ON. I HAVE CALLED AND EMAILED THE COMPANY 'S CORPORATE OFFICES, THE OWNER, THE LOCAL OFFICE. NO ONE WILL RESPOND. TOTAL AMOUNT OF PAYMENTS MADE TOWARDS THE PRINCIPAL BALANCE PLUS INTEREST ARE 3 TIMES THE AMOUNT OF THE LOAN. I NEED HELP. I CAN NOT LOSE MY VEHICLE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Experian half failed to remove all my hard inquiries as the law requires within a timely manner, the fair credit act, the law requires my credit score and information is updated on a monthly basis to prevent inaccurate information on 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 2023-12-06 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: KY

Complaint narrative:
I want all three of these red flags removed from my account. I do not have no personal loans and I am flagged for a personal loan on the experience app. I have no personal loans. I have no mortgage loan removed this inaccurate 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLY NOTICED QUITE A FEW INQUIRIES LISTED ON MY CREDIT REPORTS THAT I DID NOT AUTHORIZE. NOT ONLY ARE THEY UNAUTHORIZED, BUT THEY ARE UNJUST INACCURATE AND INCOMPLETE. I NEED THESE REMOVED IMMEDIATELY BECAUSE I DID NOT BENEFIT FROM THESE UNAUTHORIZED INQUIRIES NOR DID I CONSENT TO THESE. SOMEONE IS TRYING TO TAKE ADVANTAGE OF ME AND I WANT TO PUT AN END TO IT NOW!

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 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CO

Complaint narrative:
We used the Square , Inc service to receive credit card payments at a craft fair. After using it they deactivated our accound and have held our funds with no expectation of release. We asked why they deactivated our account and was told they wouldn't release that information.

Company response to consumer: Closed with explanation