vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX 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 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I contacted Ally Bank re their lack of action regarding a fraudulent charge by XXXX. On XX/XX/XXXX, I made an online purchase from XXXX for {$66.00}. The purchase was acknowledged by the merchant. I discovered too late that XXXX has a history of taking money and not sending the merchandise. This is precisely what happened to me. 

By XX/XX/XXXX, I gave up on XXXX and disputed the charge via Ally Banks online form. It is now XX/XX/XXXX and Ally has failed to reverse the fraudulent charge, despite numerous requests from me via secure messaging. Suddenly, some time prior to XX/XX/XXXX, Ally decided that my dispute could *only* be processed via written forms which they claimed to have sent which have not been received. On XX/XX/XXXX, Ally confirmed that, upon review, they had my correct address. I have had no further contact from Ally. The charge has still not been reverse. My orders page at XXXX has been scrubbed but I screenshotted the page prior to scrubbing. 

Thus, Ally has done nothing but play games and drag their feet over a clearly fraudulent charge. 

Thank you.

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 2022-08-01 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX 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 2022-08-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX 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 2022-08-01 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have fraudulent inquires that Im requesting be remove from my credit report included is my FTC report with proof of my identity, inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not consent to any fraud alert me place on 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 2022-08-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-08-01 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I, XXXX XXXX, filing this complaint. The stuff on my credit report is wrong.

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 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened a checking and savings account on XX/XX/22. As part of the sign up promotional terms, I was supposed to receive {$300.00} to both my checking and savings account for a total of {$600.00}. I met the promotional terms for each account and the promotion was due XX/XX/22. However, it was not credited and when I contacted the bank they said to " just wait '' even though its past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: National Credit Adjusters, LLC
State: LA

Complaint narrative:
A certified letter was sent to National Credit Adjusters on XXXX XXXX United States Postal Services display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts. National Credit Adjusters has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX. See attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
XXXX XXXX {$120.00}. XXXX XXXX XXXX XXXX. 

I have no idea why am I getting this letter. I don't owe any money from this company, and I don't know anything about this company. Can you please advise and solve this, asap? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 2022-08-01 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 2022-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I applied for a mortgage with Rocket Mortgage in XX/XX/2022. The loan was pre-approved and I purchased a home in XX/XX/2022. The house was supposed to close on XX/XX/2022. I was told by my broker on XX/XX/2022, the loan was cleared to close and that the mortgage closing team had contacted the lawyers to set up the time and place. this was a lie. The lawyers never received a clear to close or any contact. XX/XX/2022, I contacted Rocket Mortgage and they are not ready to close on XXXX XXXX. I was also told on XX/XX/2022 that the underwriters contacted my insurance agent XXXX times to change the effective date of home owners insurance to XX/XX/2022. My agent, XXXX, never received any contact from them. I changed the date myself. Throughout the process my mortgage broker has blatantly lied to me several times and delayed the loan due to errors by Rocket Mortgage. The latest is asking for a XXXX year residency history 3 days before closing. Information which they already had. I have contacted them to investigate all the problems and am awaiting a return call today on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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, XXXX XXXX, am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Still having difficulties with Experian!! I call every day and get the same answer. call back in 24 hours. I have let them know I am victim of identity theft, and the thief has logged in and changed my secret passwords and used a new id. Every day since this happened, I have tried to gain access to my account. I get told every day to upload forms and I call back every day after I try to upload forms. When uploading forms, it gives error message. I have tried on numerous devices and used numerous browsers to send but it will not upload. I was told by XXXX on XXXX and she said its not her issue if the upload want work. 
XXXX talked to XXXX, XXXX spoke to XXXX, XXXX, XXXX spoke to XXXX and XXXX XXXX spoke to XXXX I can not even upload my police report. Ever time you try to upload something the error message comes up and states no file chosen even though one was chosen. I have also on multiple occasions told them the username has been changed. No one will help me and I am trying to prevent more damage to my credit. Only sending 2 uploads but hvae many more with different days and times

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 2022-08-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson, Blumberg & Associates, LLC
State: IN

Complaint narrative:
In violation of the Fair Debt Collection Practices Act, Attorney XXXX XXXX XXXX, Johnson, Blumberg Associates, LLC filed the attached Notice of Sheriff Sale XX/XX/2022, and caused the same to be served on my wife and I, who hold a deed to the property with stating the Judgment to be satisfied, in violation of the FDCPA. Upon receiving notice of the sheriff 's sale, I immediately contacted Johnson, Blumberg Associates, LLC and spoke to an employee that identified herself as : XXXX. I explained the Notice of Sheriff Sale did not list the Judgment to be satisfied. She stated she would have that amount emailed to me that day or at the latest the next day, XXXX  XX/XX/2022. It was never emailed. This violates the FDCPA. Further, for years the mortgage holder servicer ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  ; and the mortgage holder : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AS TRUSTEEE FOR CERTIFICATEHOLDERS XXXX XXXX, ASSET-BACKED CERTIFICATE, SERIES XXXX, has repeatedly failed to comply with federal after we have received written authorization from their client and he also gave verbal authorization to the servicer who gave us a quit claim deed to stand in his shoes to pay off his mortgage so we can clear the stain on the title. 15 U.S. Code 1639g, states : - Requests for payoff amounts of home loan. A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than 7 business days, after the receipt of a written request for such balance from or on behalf of the borrower. In fact the attorneys for the XXXX XXXX XXXX XXXX and its servicer, XXXX, Attorney XXXX XXXX, XXXX XXXX XXXX and Attorney XXXX XXXX, have mislead courts on a material factual matter, to wit : they in fact had the required authorization to provide a payoff letter, whether for use in an assumption or for the Plaintiff to get an outside loan, and made a material misstatement of fact that they could not provide a pay off letter. This violates federal law as shown above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
This is a summary and overview of my complaint against Ocwen Loan Servicing and its subsidiaries PHHXXXX XXXX as well as XXXX XXXX  XXXX My complaint contains multiple severe and egregious actions by the aforementioned entities. The complaints are as follows ; XXXX. Tax fraud- In XXXX  Ocwen modified my mortgage as under the terms of the XXXX CFPB Consent judgement. A principal reduction of {$47000.00} was done on my loan. A 1099 Cancelation of Debt in this amount was issued to me for the XXXX Tax year. Ocwen did not reduce my mortgage and has subsequently attempted to collect the full amount. They treat it as deferred debt. I do have a civil lawsuit against them and this a claim listed. Given the circumstances of the XXXX Consent Judgment it is crucial that this matter is investigated on a broader scale as it is highly likely that this is not the only occurrence and other consumers may be adversely effected. Please see attached 1099 XXXX  In addition Ocwen and its subsidiaries have committed violations of the Fair Debt Collections Practices Act- A. I am a consumer under 15 U.S.C.1962a ( 3 ) or U.S.C.1692c ( d ) B. My Debt is a consumer deby under 15 U.S.C. 1692a ( 5 ) C. The Plaintiff is a debt collector under 15 U.S.C 1692a ( b ) D. The violation is under 15 U.S.C. 1692f. 
XXXX. More disturbingly on XX/XX/XXXX the above named companies committed a criminal felony act by intentionally instructing a contractor to break in to my home, while knowing I occupied the home. There was a criminal case in the District Court of XXXX XXXX, Kansas. The case XXXX resulted in a conviction of the XXXX XXXX. There will be additional charges filed as other individuals have been implicated. 
I would implore you to review and investigate these companies for additional violations of the XXXX Consent Judgment as well as potential harm to other consumers. I have litigation currently in the District Court of XXXX XXXX case # XXXX. Additionally I am working with the Internal Revenue Service and the Kansas Attorney Generals office with their investigations of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: NM

Complaint narrative:
I received two notices from Truist Client Center XXXX XXXX XXXX XXXX, NC XXXX dated XX/XX/2022, confirming acceptance of overdraft coverage on account ending in XXXX. 
At this time, I thought it was a scam. 
I received a notice from Truist Client Center XXXX XXXX XXXX XXXX, NC XXXX dated XX/XX/2022, dated XX/XX/2022, a notice of exception holds on deposit amount of {$4600.00} account ending in XXXX. 
Once again, I thought it was a scam. 
I received a notice from Truist Client Center XXXX XXXX XXXX XXXX, NC XXXX dated XX/XX/2022, regarding checking account ending in XXXX being overdrawn for at least 10 days with a balance of - {$47.00}. 
I still thought it was some sort of a scam. 
I received a letter from Truist Operations Center XXXX XXXX XXXX XXXX NC XXXX dated XX/XX/2022, which I got in the mail XX/XX/2022, regarding notice of closure of account. The letter stated if I had any questions to contact fraud management. I called that Monday XX/XX/2022 at about XXXX XXXX, I spoke with a woman name XXXX, and she asked me for my Social Security number, and she confirmed someone used my Social Security and Drivers License to open a checking account under my name. She said they did not have my email or the correct phone number. The bank told me they would investigate the matter and get back to me. 
I received a letter dated XX/XX/2022, which I got in the mail XX/XX/2022, regarding returned Deposited/Cashed Item Fees. 
Since this incident, I put a freeze on my credit accounts. Got XXXX to monitor my accounts, called Social Security to let them know about my situation, and to make sure someone wasnt using my Social Security number for employment. I was told it looked fine. They also advised me to get a hold of the FTC, to let them know what happened.

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 2022-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence for a third party or agency.

Company response to consumer: Closed with explanation