vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/20XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: WA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: IN

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. 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 2023-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: IL

Complaint narrative:
In XX/XX/2020, ( whatever the year XXXX started ), I got sick. Going through treatments and XXXX XXXX XXXX XXXX I realized XXXX wont be able to pay my bills. I contacted Flagstar Mortgage company and inquired about getting some assistance. They said something about not paying for 6 months. They kept calling saying Im behind this is the amount I have to pay. I depleted the remainder of my savings and paid it. I called them again saying I need help. They again said about not paying for 6 months. I told them no because they subsequently called and had me pay all that back money and I had no more savings. So could I get the monthly payment lowered to fit within my now monthly XXXX income. They said i couldnt because I was still within a forebearance and to ignore the calls from them because they are supposed to call since I do owe and to fill out an application under hardship. I did that. Maybe 3 times. Long story short. A letter from a lawyer was sent to the property ( my mother didnt get it to me timely ). Next thing I know my mom is like some man came here saying we got ta go. I call Flagstar mortgage company. They said its probably a scam because we would call you and let you know and put a notice on your door. I said okay and well I still havent heard from yall regarding the application I submitted ( now 2 time ), and they said submit it again and told me stuff I needed to submit.I did so that day. Every few days I would log in and see the message saying we are working on it. Then a man comes this past Saturday with a letter saying he will call the sheriff for an eviction. I called Flagstar on Tuesday and they said your house foreclosed and I said I just filled out another application and it said you will call if I

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 2023-06-21 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : Amount : {$2000.00} Outstanding balance : {$0.00} Date : XX/XX/2011 Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: OH

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY THIRD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is my complaint to CAPITAL ONE for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this is XXXX of fraudulent accounts reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Hello, my name is XXXX XXXX. Email : XXXX Please release my money it has been over 3 months and all disputes have been resolved. Please also restore my business account since I only sell my own XXXX XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
1. Frost Bank committed identity theft against us by opening an account using our identifying information without our permission. This is evident in the enclosed email correspondence in which I was accidentally included on by one of Frost Banks loan processors. The email was sent on XX/XX/2023, during a time when we were still determining if we wanted to move forward since our closing was scheduled on XX/XX/2023. According to the email, Frost bank had already opened a loan account and requested to be added as a loss payee on our flood insurance policy BEFORE a contract/credit agreement was signed. Frost Banks conduct violated the CFPA prohibition against abusive acts or practices because they took unreasonable advantage of our inability to protect our interests in selecting or using a product or service by opening a line of credit account without our knowledge and consent. 12 U.S.C. 5531 ( d ) and 5536 ( a ) ( 1 ) ( B ). My wife and I had not agreed to open an account without first reviewing the terms of the credit agreement. 

2. Frost Bank included an Authorization For Payoff ( enclosed ) in our closing documents for an auto loan with XXXX XXXX. We did not sign since we are not required to apply the proceeds from HELOC to an auto loan. The loan processor at Frost Bank stated we are required to use the HELOC to payoff the auto loan if we want to move forward with obtaining the HELOC. This is a violation according to Section 50 ( a ) ( 6 ) ( Q ) ( 1 ), Article XVI, of the Texas Constitution which states : LOANS DESCRIBED BY SECTION 50 ( a ) ( 6 ), ARTICLE XVI, OF THE TEXAS CONSTITUTION MUST : ( 1 ) NOT REQUIRE YOU TO APPLY THE PROCEEDS TO ANOTHER DEBT EXCEPT A DEBT THAT IS SECURED BY YOUR HOME OR OWED TO ANOTHER LENDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Ask them to send verification of the debt they say I owe, they sent old copies of some old credit card statements over 10 years old, I asked them to stop calling me and my work place, they continue to call and harass me, about debt thats over ten years old, the company is Portfolio Recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: WA

Complaint narrative:
I find it unacceptable that there are public records 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 explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
To whom it may concern My name is XXXX XXXX XXXX. I am the son of XXXX XXXX XXXX who passed away on XX/XX/XXXX of XXXX. Her cause of death  was ultimately XXXX and at the end of her life she borrowed from both family and creditors to seek treatment to extend her life. Due to some bad financial decisions, she died with a large amount of personal debt. In the two weeks prior to her death, she appointed me the executor of her estate. Due to the large amount of debt her attorney has advised me to NOT probate her estate because the cost would be greater than the only outstanding asset which are her two accounts with USAA bank. One account was/is a savings and the other was/is a checking. 

I have asked USAA bank multiple times via phone calls to help me know which forms and/or legal documents they would need make a distribution that does not involve the probate of her estate. 

USAA has consistently been unhelpful and not able to provide me with what would be required if my mothers estate was not going to go through probate. 



Please note the following facts. 

Although my mother spent her last two weeks in XXXX  she died as a XXXX resident and her death certificate from the state of XXXX states that she was a XXXX resident. The attorney that has advised me on her estate is a resident and practices law in XXXX. 

USAA has ignored my requests to help me distribute the monies in the two USAA accounts and has sent me two checks made payable to the estate of my mother. 


USAA currently does not understand two issues that I have voiced in my numerous phone calls. First they told me that they will never have an attorney from USAA legal department communicate with me either by telephone email or letter what they need to close the two accounts with USAA. Lastly, USAA has consistently stated to me that they will not communicate with my XXXX attorney whos asking what forms they need and/or what process they would require from him to close the two accounts. 

Theyve literally said to have my attorney prepare a form send it in and then they will decide if they will or will not process the closing of the two USAA accounts. I find their directions and responses both confusing and very nebulous. 

For example when I asked what the time frame was for the closure of my mothers two accounts, they have literally told me the accounts would be closed at some time in the future and when I asked them for a specific time frame in accordance with the bank rules and the state of XXXX, they said I would have to wait and see that theres no clear-cut process or timeline, which I find unclear. 

Your help on this matter would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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:
Hello my name is XXXX XXXX. A federally protected consumer. I am writing to request the immediate removal of a fraudulent account from my consumer report. The account in question is associated with XXXX XXXX XXXX, with the account number XXXX. 

The presence of this fraudulent account is hindering my ability to purchase a home for my family and is causing significant obstacles in my financial endeavors. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my consumer report and expect a timely investigation. 

I urge you to address this matter promptly, removing the fraudulent account from my consumer report within four business days. Kindly provide written confirmation of the resolution and the updated status of my consumer report once the correction has been made. 

Enclosed are copies of supporting documents for your reference. Please feel free to contact me should you require any further information or documentation. 

Thank you for your immediate attention to this urgent matter. I trust in your commitment to fair and accurate credit reporting. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX 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 2023-06-21 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX 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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CNG HOLDINGS INC
State: CA

Complaint narrative:
This item was purchased from XXXX XXXX in summer of XXXX and the company that XXXX contracted through was Tempoe. Several months after I was unable to keep up with the payments when I had an extended illness, having XXXX twice in 6 months that had a long recovery each time. The company eventually stopped contacting me, they werent reporting this on my credit reports at any agency until a few months ago. Suddenly, after 5 years they are intentionally trying to damage my credit by reporting this on my reports and calling me regarding this old account. This is way outside the collection window.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: WA

Complaint narrative:
I find it unacceptable that there are public records 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