vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 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: NY

Complaint narrative:
I was absolutely shocked when I discovered that my identity had been stolen. It's a truly harrowing experience to find out that someone has been using your personal information for their own gain. While checking my credit report, I found out that there are a couple of fraudulent accounts that were opened under my name. This is a gross violation of my privacy and has left me feeling completely helpless. Despite my persistent efforts to remove the fraudulent accounts from my credit report, I have been unsuccessful in removing one particular account from my TransUnion credit report. This account pertains to a XXXX 's store credit card with the account number XXXX. The presence of this fraudulent account is causing me great concern, as it not only tarnishes my credit score but also poses a threat to my financial well-being in the future. It is disheartening to know that someone out there is exploiting my personal information for their own gain, while I bear the consequences of their 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 non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
Caliber Home Loans did not credit my XXXX payment correctly, applying it to the Principal rather than as a monthly payment. Each month Caliber is charging me a late fee, saying all my monthly payments since XXXX are late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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:
There is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My report to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$1200.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$520.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXXXXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened

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 2023-06-09 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have reached the maturity date with Capital One Auto Loan only to realize that I will have to pay another uear to get my title. I would like to settle this matter with a o time payment but they refuse to negotiate. I cant afford to make anymore payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2023, I connected with a person on XXXX XXXX ( of which we have mutual friends ) that posted that they were selling XXXX XXXX tickets for the night of XX/XX/XXXX. The tickets were agreed upon at {$270.00} a piece and were to be transferred via XXXX from one account to mine with associated email and phone number. On XX/XX/XXXX and XX/XX/XXXX, in installments, I sent a total of {$720.00} to two XXXX accounts, as indicated by the person I was in contact with. The person indicated they had sent me the tickets, but I never received them. The person indicated they would contact customer service to resolve the issue. After not responding in XXXX for a whole day, on XX/XX/XXXX, the person confirmed my phone number and email and then blocked me on XXXX. On XX/XX/XXXX, I reported the accounts as a scam to XXXX. XXXX indicated they would not be able to return the funds. I requested the funds back from the person 's account through XXXX, but the requests were denied. I filed a debit dispute with Citizens Bank on XX/XX/XXXX. I provided the information I was asked for over the phone. On XX/XX/XXXX, I received a notice in the mail from Citizens asking for more information and any evidential documentation. I emailed these items to Citizens debit disputes that same day. Dated XX/XX/XXXX and received on XX/XX/XXXX, Citizens Bank reported that they have closed the investigation, as no error occurred and I should try to resolve the issue with the person. I had tried to do so prior to contacting Citizens. An error has occurred, as I did not receive the goods as promised, the person has declined my requests and has blocked my ability to further contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo illegally repossessed my brand new car in XXXX and returned it in XXXX ( 2 months later ) with a letter apologizing for the " wrongful repossession '' and a check for {$500.00} for compensation for me losing my job, I was unable to get to work because I had no car. So now it is XXXX and now they want to repossess the car AGAIN unless i pay it off in full, which is {$20000.00}. I still had XXXX more years left on my loan. They closed my loan and wrote it off on my credit as a charge off. Now I am unable to get the car refinanced with another lender because I have a repossession on my credit. They are threatening to pick up my car AGAIN. I don't have {$20000.00} to give to 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 explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Background : On XX/XX/XXXX, I placed a credit freeze with all Credit Bureaus due to identity theft. 

Current Issue : Experian provided my credit report to XXXX Bank despite freeze being in place. 

History : On XX/XX/XXXX XXXXXXXX XXXX, I received an email from XXXX XXXX XXXX XXXX XXXX XXXX an application was pending under my name and information. 

I called the XXXXXXXX XXXX XXXX contact number at XXXX XXXX the same day, only one that was listed in their mobile app - XXXX, and they initially said they didnt see any applications under my name. They asked me to call their fraud department instead and provided me with their number. 

At XXXX XXXX same day, I called the fraud department number which was XXXX. The representative said they didn't see anything under my social security number and insisted that there were no other accounts. I provided her with the ApplicaitonID which was listed in the email, and she went back to look into it. Eventually, she said that this might be under applications department, not fraud department, and asked me to call them instead and provided me with their number. 

At XXXX XXXX the same day, I called the applications department. They asked if this was an authorized application and I told them it was not. She said she was sorry to hear and provided information that Experian had provided the credit report. 

I double checked on Experian Website to verify that I still had my credit freeze in place.

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 2023-06-09 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-06-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: GA

Complaint narrative:
XXXX XXXX am writing in regards to compliant on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX inquires were not done by me. also in regards to credit acceptance.

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 2023-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, the tax assessor sent to Rocket Mortgage ( mortgage servicing company and escrowing agent ) a tax bill reflecting a new tax amount. Rocket Mortgage willfully did not up the mortgage payment at that time to reflect the increased tax due. In XX/XX/XXXX, when Rocket Mortgage did a new escrow analysis, they willfully again did not update their analysis to reflect the increased taxes owed for the coming year XXXX. 

The consumer upon receiving the revised analysis report, then contact Rocket Mortgage and provided the updated tax information, and Rocket Mortgage did adjust the escrow to reflect this increase tax due. 

In XX/XX/XXXX, the consumer receive notification of a failure to pay in total the taxes owed for XXXX, resulting in potential foreclosure by the taxing authority for failure to pay owed taxes. The consumer again had to contact Rocket Mortgage to get this issue addressed. 

These blatant failures by Rocket Mortgage has result in an escrow shortfall that they are unreasonably trying to recoup in a very short time frame of 12 months. Placing a financial and emotional stress on the consumer through no fault of that consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Re : Account Number : XXXX About a month ago, I wrote Chime to dispute fraudulent charges on my account in the amount of {$110.00}. I did not make or authorize these charges and apparently have been the victim of identity theft. I am requested that : The charge be removed. 

Any finance and/or other charges related to the fraudulent charges be credited to my account. 

By this point, they have denied to give me a provisional credit nor a refund since the inception of my first dispute.

These requests were made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

I had enclosed copies of from my Cashapp and XXXX XXXX XXXX XXXX accounts that had been barraged with attempted fraudulent transactions from XXXX ( however, unlike Chime, XXXX detected the fraudulent activity immediately and blocked these repetitive charges & alerted me ) as evidence that these charges are fraudulent. Please investigate this matter and correct the billing error as soon as possible. 

Regards, XXXX XXXX XXXX Attached are evidentiary evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: ID

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
The issue is with Equifax. In XXXX of XXXX I tried to refinance my home and my lender notified me that my Equifax report was blank. I tried to get in touch with them to no avail. Finally my lender got approval from his underwriting department to use XXXX and XXXX and we moved forward without any issues. We refinanced again in XXXX of XXXX to get a better rate with the same lender and after trying to get in touch with someone at Equifax again, we were forced to use XXXX and Equifax again. 

We are about to purchase another home so I checked my credit report and my Equifax report is virtually blank. There is one card listed on the report in the amount of XXXX and that card was paid and closed years ago. I have 2 open credit cards, a mortgage with XXXXXXXX XXXX, multiple auto loans that were all paid but according to Equifax, I have one card. My score recently dropped on XX/XX/XXXX because they removed all of my accounts from the report and added items from XXXX. Again, my efforts to get in touch with them are unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
https : //www.portfoliorecovery.com/ keeps calling me. I get the same caller id from PORTFOLIORECOV with different numbers every time. They robo call me about a few times a week and instantly hang up and sometimes transfers me to an agent where I tell them they have the wrong number. They will not stop calling and they keep rotating their numbers so I can not block them effectively. I have not debts with them or anyone.

Company response to consumer: Closed with non-monetary relief