vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion admitted on investigation results of using old info and never validating any the debits listed below. 
Under 15usc1681 parts A, B, C The Federal law allows me as the private person due process and transunion has broken Federal law. 
1, XXXXXXXX XXXX 2, XXXX XXXX 3, XXXX XXXX XXXX card ( bank ) 4, XXXX XXXXXXXX XXXX card ( bank ) 5, XXXX .account paid with promise of removal and still being reported. 
Also this account was reported as fraud and still on my credit No investigation was done. 
6.XXXX XXXX XXXX XXXX XXXX 
3 accounts all 3 never investigated all was still on my credit from past remarks only. 
7, XXXX XXXXXXXX XXXX bank No investigation was done. This was reported as fraud.Also being reported by Original creditor and XXXX XXXX which violates Federal law. This shows no investigation was done. 
Please file complaint against transunion credit for failure to abide by federal law and 15USC1681 parts A, B, C All pertaining to failure to comply with federal law and credit reporting guidelines. 
Only outcome is acceptable is the removal of all these accounts on my negative transunion report. 
And done with prejudice under federal law allowed to me.

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX BANK XXXX XXXX XXXX Balance {$0.00}

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 2022-08-16 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: MI

Complaint narrative:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX BANK XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Filed a dispute claim with Fifth Third bank after I realized someone stole & used my business debit card number & made 5 purchases totaling {$23000.00} at XXXX, and this was absolutely not me .I have never authorized to open an account at the mention company and absolutely have not used my card in a combined 5 transactions from XXXX through XXXX. The support is non existent at this company, so I may find out how my payment info someone was used without my permission, but 5/3 insisted that I confirmed via text which I never did nor plan to do after I experienced phishing and smishing attempts almost daily on my cell phone in the past. 
The bank insists that I confirmed the purchases using my phone number, but I told them it was not me, and they said they sent me a fraud text to my phone number before charging my card, however that is not true. I called to to report fraud, and now I am being treated unfairly. I cancelled this debit card in XXXX & i still have the physical card which is clear and cut fraud per the Consumer Protection Act. How can they blame me when never agreed to any of the transactions! Please see below Fraud Transactions - XX/XX/21 - {$4600.00} XXXX {$4800.00} XXXX {$4400.00} XXXX {$4700.00} XXXX {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: LA

Complaint narrative:
I am a natural person, I am a living human, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have/are violating my rights on numerous times continuously. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did NOT give Equifax written permission to furnish these accounts : ACCOUNTS : ACCOUNT XXXX XXXX ( XXXX XXXX  ) Account Number : # # # # # XXXX ACCOUNT XXXX XXXX ( XXXXXXXX XXXX  ) Account Number : # # # # # XXXX ACCOUNT XXXX XXXX ( XXXX XXXX ) Account Number : # # # # # XXXX ACCOUNT XXXX XXXX ( XXXXXXXX XXXX ) Account Number : # # # # # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF EDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$43.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1000.00} ; XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}

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 2022-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
I started to refinance my mortgage with BSI Financial Services in XX/XX/XXXX. We finally closed in XX/XX/XXXX. The loan broker told me I didn't have enough equity to borrow what I needed. My house had sufficient equity. The appraiser XXXX XXXX the worth of my house The Mortgage Counsellor said that I should go FHA and after 6 months that the mortgage company would waive the PMI. I took his word on it. It was done verbally over the phone. Worst thing that I have ever done. BSI said they have no record of my previous inquiries on this subject Now to add insult to injury my real estate taxes have not been paid the last 2 quarters. The first quarter payment was late and I am still carrying a charge of principle and interest from that. I was defrauded, duped and embarrassed by both of these situations. Please I need your help with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: EQUIFAX, INC.
State: IA

Complaint narrative:
On XX/XX/2022 I submitted to Equifax an application I received from their website to place credit freezes on my XXXX  XXXX childrens ' accounts. The application and an FAQ on Equifax 's website directed me to submit the form via mail and to include supporting documents with the application, which included copies of birth certificates and social security cards for myself and each of my XXXX  children, which I did include. I sent this information via certified mail on XX/XX/XXXX and per the USPS it was received by Equifax on XX/XX/XXXX. 

On XX/XX/XXXX, I received letters ( one for each child ) from Equifax telling me that they were unable to process my requests to place the freezes. The letter does not say why they were unable to process the request. The letter asks that I submit additional information. I had in my original application supplied the required documentation. Both the application and the FAQ from Equifax website clearly state that the information I originally provided was sufficient ( birth certificate and social security cards ). 

I attempted to resolve the issue by calling the Equifax phone number provided in the letter. My first call was not resolved because the agent I initially spoke to was transferring me to a supervisor, who did not pick up the line. I was on that call for 30 minutes. My second call also was not resolved when the initial agent was to transfer me to a supervisor and also call was not picked up. That was a 20 minute call. The third call I made the initial agent refused to transfer me to a supervisor. Another 20 minute call with no resolution. In all cases the agent only referred me to the letter I received in the mail and instructed me to submit more information. In all cases the three agents had heavy foreign accents and did not seem to comprehend the issue or questions I was asking, why I asked for a supervisor each time. 

Is Equifax intentionally misleading in their information on their website, by not providing clearer instructions? Why is this process so difficult when it is so important to protect my childrens identity? Is Equifax more incented if there is future fraud on my childrens accounts versus protecting them now? Should I be comfortable providing personally identifying information to overseas customer service agents?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous amount of times.

I demand the accounts listed below be removed According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Account info - XXXXXXXX XXXX XXXX Account number XXXX Account info - XXXX XXXX  Account number XXXX Account info - XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I was scammed by a person claiming to be a company who would ship me a product. I paid him using cashapp his tag is $ XXXX. I paid him first for {$310.00} and he said he would refund {$110.00} dollars back after the shipment goes through. Then he asked that I pay another {$550.00} for a particular type of stamp which he said would refund {$520.00} they just needed to hold the full {$550.00} until the package delivered. So I ended up sending this person {$860.00} dollars total. Then they asked for {$1100.00} more money and some would be refunded, at this point I realized I was being scammed. I asked for my money back and they stopped returning my messages. I contacted cashapp and they said they can't help me. But when I asked for support from cashapp, these two transactions were still showing as pending on my end so I thought they should be able to stop the transactions but they didn't get back to me right away

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing thsi complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with. 

I I did not provide Experian with any written authorization, consent or instructions to accept, furnish, or report information on my behalf.

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 2022-08-16 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:
It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXXXXXX XXXX  Date of inquiry XX/XX/2021 ; XXXX XXXX XXXXXXXX Balance {$73000.00} ; XXXX XXXX XXXXXXXX Balance {$20000.00} ; XXXX XXXX Balance {$17000.00} ; XXXX XXXX Bankruptcy XXXX Dismissed ; XXXX XXXXXXXX Bankruptcy XXXX Dismissed ; XXXX XXXX Bankruptcy XXXX Dismissed ; XXXX XXXX Balance {$17000.00}

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 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XX/XX/XXXX Received alert notice someone attempting to take out {$1000.00} from my XXXX. Call back and stopped active since I did not authorize that transaction. While speaking with dept noted a {$4800.00} check written on my acct XXXX and {$1800.00} on my daughter 's account ( that was cleared and returned ). Asked them to stop that check because it was a fraud, I never authorize that check. I was told that they can not do anything it is in the system. I can now file a claim when the {$4800.00} is taken out of my acct. 
XX/XX/XXXX the bank went ahead a clarr the check and give the person the money {$4800.00} out of my banc acc XXXX continue to ask the bank for my money, my online banking was closed. Left open was the acct that was missing money. And now all my bills I previously sent out started bouncing and returning.by XX/XX/XXXX the bank is sending me letters demanding their money for bounce check and overdraft. I'm negative XXXX. 
XX/XX/XXXX called again filed another claim for another XXXX $ again taken out of my acct with yet another check taken out on my bank acct fraudulently. Claim # XXXX I was told this was to be expedited XX/XX/XXXX and XX/XX/XXXX called to see status since I Am now blocked from online banking. No change again my acct cont to be compromised and the still researching. 
XX/XX/XXXX called again now a NCS block was placed in my account. Also told me ai have to put {$700.00} in my account to cover overdraft since that is what I owe. Now returned money of XXXX $ from my gas and XXXX from XXXX. Was returned and credit to my acct. Made formal complaint to banking Claim XXXX XX/XX/XXXX called again and was told that my request was refused. Again while speaking to the costumer svr He mention that it was {$10000.00} to which I corrected him. We now learned that the claim was file twice. One for the {$4800.00} and one for XXXX. I was denied my money back. Citizen owe my XXXX XXXX credited to my acct and all overdraft and fees they attached to my acct. 
This has cost me hardship, I am now late with and agreement that I have finally able to work out with my light and gas. I had a vacation starting onXXXX XXXX that I may not go with no extra money I had in my acct to spend. This has ruined my plans significant. More angry that Citizen was aware of the fraud and continued to allow this to happen. I had no bank check associated to these bank acct, how did the accept checks. 
Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: AR

Complaint narrative:
I filed a dispute on XX/XX/2022 about my card being stolen and unauthorized charges being made. My account has been locked since the day of my dispute. I received a letter from PayPal saying I was credited the amount back on my account, and to login and access funds. But every login attempt is denied, and I can't get through to talk to a live person, because the new card I received does not register in the system.

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 2022-08-16 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES EQUIFAX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES- EQUIFAX MORTGAGE SERVICES - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES EQUIFAX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I recently attempted to pay an additional payment to the principle balance of my mortgage loan in an attempt to lower future interest payments and reduce the overall balance of my loan. However, the Bank/Servicer ( Mr. Cooper ) did not apply the additional principle payment to the loan. Instead they held the money in an account and are now telling me that they will return the additional payment back to me. However, in doing so, they have guaranteed that I will now be paying at least an additional {$200.00} in interest per month. They are deliberately withholding the funds from being applied to the balance of the loan and costing me extra money. I asked them about the reason behind it and they can not find a specific rule or passage that references why they chose to do that.

Company response to consumer: Closed with explanation