vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: FL

Complaint narrative:
I do not recognize the account I have never agree, signed or authorized to open an account or even to inquire debt with the creator. The account is fraudulent or reported incorrectly on my credit report. I have file a Identity theft and attached it. Please investigate and once is confirm that the transaction is not mine, remove it from my credit report. 
XXXXl XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: GA

Complaint narrative:
My wallet was stolen and in my wallet was my license, SS Card, a XXXX by XXXX XXXX credit card, both a XXXX credit and debit card and my Discover Credit card. I called Discover notifying them of unauthorized charges on this card and that my wallet was missing. I asked for the card to be locked and a total of {$1700.00} worth of transactions were disputed. I explained to Discover that the thief was making unauthorized purchases with a stolen credit card.. The transactions consisted of out of state purchases and unauthorized online transactions. As of XX/XX/XXXX Discover is holding me responsible for all out of state and online purchases. I have contacted merchants and have received details of the online transactions ; they are made from email addresses that DO NOT belong to me. The email addresses are ; XXXX, XXXXXXXX XXXX XXXXXXXX My Discover was stolen and used to make unauthorized purchases from XXXX XX/XX/XXXX. The law states that : " Under a 1978 Federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. Since Reg E was written well before payment apps existed, the Consumer Financial Protection Bureau last year issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission- were the bank 's liability. But despite the updated guidance, banks in many cases are refusing to refund customers who claim - often with supporting documentation - that money was stolen from their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: PA

Complaint narrative:
I am a Consumer that is protected by the laws of the FDCPA & FCRA attached you will find several Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from XXXX, TRANSUNION & XXXX see attached ;

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 2022-11-09 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: PA

Complaint narrative:
I am a Consumer that is protected by the laws of the FDCPA & FCRA attached you will find several Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from XXXX, XXXX & EQUIFAX see attached ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: FL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
This is a new complaint but is related to a prior complaint filed with the Consumer Financial Protection Bureau ( Case number XXXX ). Based on that complaint, I received a letter dated XX/XX/XXXX from XXXX XXXX at XXXX Customer Care. When I called XXXX XXXX, she said that XXXXXXXX XXXX is not responsible for the actions of their agent LoanCare, and that I should file a complaint with them. Unfortunately, LoanCare was hired by XXXX Bank to service the insurance portion of XXXX mortgage business, and my contractual relationship is with XXXX Bank, not with LoanCare, so I am again filing a complaint with XXXX Bank. 

In summary, back in XX/XX/XXXX my home was without flood insurance coverage for 21 days because LoanCareXXXX TOOK ALMOST A MONTH AFTER RECEIPT OF THE FLOOD INSURANCE INVOICE FROM MY NEW CARRIER, TO PAY IT. Per XXXX XXXX letter, On XX/XX/XXXX, LoanCare received the signed application from XXXX XXXX and acknowledged the standard 30-day waiting period. Further, it says LoanCare disbursed {$1200.00} from your escrow account to pay for this policy on XX/XX/XXXX and the payment was received by XXXX XXXX on XX/XX/XXXX. I do not dispute any of the facts or dates in her letter and agree that I was without insurance for 21 days. However, what I want XXXX and LoanCare to understand is that I was without insurance for 21 days because LoanCare/XXXX did not pay the invoice on time. 

XXXX deducted from my escrow account {$430.00} for insufficient coverage charges for 21 days, even though it was through their negligence in not paying the invoice that insurance could not start on XX/XX/XXXX as originally anticipated ( there is a 30-day standard waiting period as already stated ). The cost of 21 days of insurance coverage should only have been {$74.00} ( my annual premium is $ XXXX days ). Therefore, I am disputing the additional {$360.00} I was charged ( {$430.00} {$74.00} = {$360.00} ). 

Yes, I acknowledge that there was a lapse in coverage, but it was caused because LoanCare/XXXX  failed to pay the carriers invoice until almost 30 days after receipt of the signed paperwork from the insurance 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 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: AL

Complaint narrative:
Calls are coming everyday for someone else. Calls during working hours when I can't answer. I was able to answer today and they hung up on me. My wife has called 3 times. First time she was told they were looking for a woman and not me. They marked it as wrong number. The last two were to get them to stop. The last call was today XX/XX/2022 and they got rude and hung up after stating it would stop in 24 hours because she told them if it doesn't stop we will file harassment charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-11-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-09 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I am reporting these accounts that should have been closed and still on my credit report reporting inaccurate information I am tired of my report looking bad due to fraudulent activity. Someone had my information and got a loan that still remains on my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: FL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-11-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A company named " XXXX  '' is the payment servicer for the US Department of Education. On XX/XX/XXXX, XXXX  cashed my full {$7700.00} student loan payment. United States postal service sent me a copy of the signed delivery confirmation upon delivery to the XXXX  payment center located at XXXX XXXX XXXX XXXX XXXX, MO XXXX. As of today, XXXX, the financial payment service for the United States Department of Education claims my student loan payment is " unable to be located. '' I have shared the original copy of the XXXX  employee 's signature on the delivery confirmation and the XXXX  employee 's signature on the payment receipt for cashing my {$7700.00} payment. It is shameful that XXXX  is illegally reporting student loans as outdated collections on credit reports after cashing customers ' checks for nearly XXXX XXXX dollars. After cashing my student payment of {$7700.00} XXXX  refuses to correct my credit file to report the status as " paid in full. '' Per the police department 's advice, since the payment is signed for and cashed by a XXXX  employee, I filed a police report with the XXXX XXXX Police Department. A copy of the XXXX XXXX Police report to XXXX, the US Department of Education, and the credit reporting agencies on XX/XX/2022.

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 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained and what information and see if it's legit. Please note that I don't a verification but a validation containing the information listed in the letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
In my previous complaint with this company, they stated the inquiry that is reporting on my consumer report will be deleted as they determined it was not authorized by me. Synchrony has failed to communicate with the reporting agencies to have this inquiry deleted as they said they would. I am demanding the deletion of this inquiry as it dropping my credit score and injuring me financially.

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 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2022, i opened an account with capital one, received my card in the mail but never used, as i pull my report up i see inaccurate reporting of late payment and a high balance.i also did not receive any written notice whatsoever about any late payment. 
i would like to address this immediately and get this negative removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX ) I did set up Automatic Payments to cover the full balance every month. I did it with this credit card the same way Ido it with every credit card as soon as I open the account. I do the same with every utility bill or any loan. 

XXXX ) The Credit Card Company never sent me a statement indicating me there was a pending balance. 

XXXX ) I willingly used this credit card only when I requested it because of a promotion on XXXX. I paid for that purchase. I have another credit card set as the primary payment card to make purchases. 

XXXX ) Synchrony claims that I used this credit card and became delinquent for {$6.00} in XX/XX/XXXX, and {$7.00} in XX/XX/XXXX. I never authorized those purchases. They claim I did not pay those statements and they reported me to the credit bureaus, as a result, my credit score decreased by over 100 points. 

XXXX ) I have never been delinquent on anything. 

XXXX ) I called Synchrony to complain about the use of this credit card and to request the documents proving I had an automatic payment set up on my account. they refused to do it. I paid those charges and I closed the account as soon as I found out about this issue in XX/XX/XXXX. 

XXXX ) Synchrony is refusing to remove the delinquency they placed on my account.

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 2022-11-09 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: MO

Complaint narrative:
XX/XX/2022 XXXX Certified mail documents verifying my identity to dispute the reports on my credit are inaccurate Notify by phone about said issues with my credit report as invalid Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have used XXXX XXXX app to check my credit report or scores. In XX/XX/XXXX, I received an email that there were new accounts opened, and i went to check, there were 2 from Capital One and XXXX XXXX Bank. I have no knowledge about those cards, so i contacted the banks right away to report and closed the cards. After this, I am so afraid of there will more credits will open fraudulent, so I check the inquiries to see any new inquiries was asked without my consent, and i found some inquiries arent correct, so i called them to let them know that I didnt apply for credit cards, and if they issued the card they need to closed it now because Im under identify theft, and having problems with credits frauds. Since then, I open XXXX app to check my records everyday, and then in XX/XX/XXXX, i also saw XXXX account opened from XXXX XXXX bank, and XXXX account from XXXX that closed back in XXXX that I also have no knowledge about the account, and i can only see that XXXX acount from XXXX report. Its so frustrating me, and so i did the same thing, call the bank and XXXX to report. I also report with XXXX and XXXX. Now I just wait for them to do the investigation. This is my first time of being identify theft, so I just follow what I can do.

Company response to consumer: Closed with explanation