vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: NJ

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I would like to dispute the reporting of this bankruptcy on my credit report, as there are discrepancies in the reported dates and closure of the case. I have received documentation from the court indicating that this bankruptcy should not be reported, and that the reporting is coming from an unauthorized third party.

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 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/2022, we mailed check # XXXX to our supplier, XXXX XXXX in the amount of {$29000.00}, written on our XXXX XXXX  account. On XX/XX/2022, Navy FCU notified us of a possible fraud matter. The check was " washed '' to read payable to " XXXX XXXX XXXX XXXX '' instead of XXXX XXXX Navy FCU processed the check, the funds were withdrawn from our XXXX XXXX  account, but were not disbursed to the fraudulent check holder XXXX XXXX XXXX XXXX. The funds are still being held at Navy FCU and have not yet been released back to our XXXX XXXX  account. We and our attorney have contacted both Navy FCU and our XXXX XXXX  on numerous occasions and still have not yet received the funds back from Navy FCU that they are still holding onto. Navy FCU has given us numerous excuses on why they have not released our funds back to our XXXX XXXX  account. Navy FCU is still holding our money and we need to have it release back to our XXXX XXXX  account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
A few years ago someone filed federal taxes in my name which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when I pulled my credit reports XX/XX/2023. I pulled my credit because Im looking to refinance on my home. I figured to check before applying for a new mortgage loan. I have filed a dispute with XXXX XXXX and XXXX. All of the information ( credit reports, identify Theft Victims Complaint Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report. These accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being displayed on my good credit. All I do is work and take care of my home, so there was never a need to add any of these credit accounts listed. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
A few years ago someone filed federal taxes in my name which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when I pulled my credit reports XX/XX/2023. I pulled my credit because Im looking to refinance on my home. I figured to check before applying for a new mortgage loan. I have filed a dispute with XXXX XXXX and XXXX. All of the information ( credit reports, identify Theft Victims Complaint Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report. These accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being displayed on my good credit. All I do is work and take care of my home, so there was never a need to add any of these credit accounts listed. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hi on the evening of XXXX XXXX I received an email saying that my checking and savings account has been inactivated due to the changes in my Bank of America account XXXX 
I called and spoke to an associate who instructed me to call the following morning to speak to someone on this matter who could better assist me. All the associate said was that my account has been closed. I called the following morning and spoke to another Bank of america associate who confirmed my checking and savings account has been closed and no reasons were given. I asked about my money in my checking and savings account and was informed that i would be receiving a money order or cashiers check for the money in my accounts, and that I would receive a letter saying that my account has been closed. It is now XXXX XXXX and i have not received my money or any letter from Bank of America about this matter. I have been a customer for over XXXX XXXX  and never any issues. I want to know why my account was closed without any prior notice, and I want to know when i will be receiving my money that was in my checking and savings 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 monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I had Wells Fargo for my auto loan from XXXX. I saw something about them settling a lawsuit for charging higher interest rates and seeing if this applies 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 explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I contacted PHH on XX/XX/XXXX at XXXX XXXX  I spoke with XXXX ( agent number XXXX ). I questioned what an XXXX XXXX XXXX. BILL FEE for {$.00} under the escrow column was for. XXXX explained that they decided to contact either the insurance company XXXX XXXX tax assessor concerning a change in the amount in escrow. I have never seen this fee before. He stated that the policy changed on XX/XX/XXXX. 

I don't think it is right that I, while paying {$720.00} in interest in that month alone, should be charged a fee for a phone conversation or contact. This has never occurred in the past. 

I recognize it is common that the amounts change for taxes and insurance. The required escrow amount changes almost, if not every, year. An adjustment is made once a year, and a notice is sent to give me the option of paying the deficit or have my monthly payment increased to make up the difference. 

Although this fee is nominal it appears it is just another way for PHH to make money. It is wrong that PHH can charge {$.00} any time they want to randomly call either the XXXX assessor or my insurance company. If PHH has XXXX clients it is an easy way for them to make a quick and easy {$250000.00} every time they decided to do this. 

I was not given the option of contacting the XXXX assessor or insurance company, myself, to clarify whatever question or concern PHH may have had. I have never been charged to contact the XXXX assessor or my insurance agency. 

Further more, I was never given written notice that the fee schedule for this loan has changed. 

I have never been late on my mortgage payment and have over a XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I authorized the merchant, a XXXX taxi company at XXXX XXXX, to process a {$10.00} USD charge only for a taxi ride from terminal A to terminal C. We were short {$10.00} cash because an extra person rode in the taxi with us. Then I asked for a receipt, they said they could not provide me with one because the card reader didnt allow it. They processed at total of {$2000.00} USD on XXXX separate cards ( XXXX  {$990.00} and Chase {$1000.00} ) by telling me the cards were not working. I disputed both charges initially on XX/XX/XXXX. XXXX XXXX conducted their investigation and sided with the merchant and brought to my attention the merchant provided a fraudulent receipt with a forged signature. I explained to XXXX  the situation, they were able to re-dispute and give me my money back. Chase, however, sided with the merchant on XX/XX/XXXX due to the same forged receipt. I'm attempting to re-dispute for the full amount charged. Chase never provided me with ruling or documentation until I called to follow up on XX/XX/XXXX. The dispute with Chase is unresolved. I am still pushing for a re-dispute which they're pushing back. I've provided Chase with emails I've sent the merchant ( with no response on XX/XX/XXXX and XX/XX/XXXX ), proof they received their {$10.00} USD payment from XXXX XXXX, and a copy of my actual signature to see the merchant has forged my signature. I have also attached these documents below for CFPB to review. I've also attached what the original charge was for the taxi ride from the resort to the airport, for which we paid mostly cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # 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 an 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: UT

Complaint narrative:
I paid off the vehicle on XXXX I called on XXXX inquiring about my Title, was told that it will take 10 days to process. Per Volkswagen Credit FAQs it's ten days but that time has passed. I called and spoke to 3 separate specialist giving different answer each time. I spoke to specialist on XX/XX/XXXX was told that i would get the lien release in 3-5 business days after VW was already late. I called on XX/XX/XXXX asking for tracking number for my title and was told by another person that it will 5-10 days instead of the prior 3-5 days. They switch title vendors in XX/XX/XXXX and this is still a problem which is unacceptable. Every day of delay i can not sell my car which affects the price, along with registration and insurance payments for a vehicle I can not legally drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX continuously reports my acct as delinquent and it is not. It had been rectified but is now impacting my credit incorrectly once again.

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 2023-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: PA

Complaint narrative:
" This message is for ******* ******** and my name is XXXX XXXX I'm calling from the Law Office of Linebarger Goggan Blair and Sampson. If you could please return my call. Our toll free number it's XXXX. My direct extension is XXXX. '' This is the voicemail I received on XX/XX/2023 at XXXX XXXX. The toll free number does not match the number on the Linebarger Goggan Blair & Sampson website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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:
Equifax is reporting an account with XXXX XXXX XXXX  on my credit report. Pursuant to the Fair Credit Reporting Act Section 604 ( a ) 2, I XXXX XXXX XXXX Equifax to block this account from the credit report of XXXX XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX 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 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called in to Capital One on XX/XX/2023 to make sure that I got credited by XXXX XXXX XXXX for time I wasn't going to be there that I paid for in advance. 

Capital One then canceled the entire payment. 
this was the beginning of the employee fraud written employee fraud. Of this card. 
Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While I was in XXXX XXXX I used my Capital One credit card ending in XXXX at the XXXX XXXX XXXX in XXXX California, that transaction debited my XXXX XXXX checking account. 
my card ending in XXXX got violated immediately after I gave XXXX XXXX  my card numbers. 
I called into XXXX XXXX the next day when I saw the money from my checking account deducted after using my Capital One card ending in XXXX I called XXXX XXXX and reported the fraud as soon as I saw it in my checking account. XXXX XXXX is still investigating that transaction. 

after that I relocated to another monthly rental that was advertised thru XXXX XXXX XXXX XXXX. There was child trafficking physical violence, drugs as well as vehicle vandalism and property theft and vandalism going on inside the XXXX. 

this XXXX was advertised as having no pets no children it was high-end professional atmosphere. 

that place was nothing like that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called in to Capital One said I was leaving and I'm not paying the bill for that place. 
I called the police child protective services dod XXXX assault hotline and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I experienced at that property.

I reported the hosts to kaw enforcement. 
XXXXXXXX XXXX XXXX  properties. 
Additionally the amount XXXX XXXX XXXX XXXX XXXXs higher than what Capital one credited my card ending in XXXX. I have excluded communication with XXXX XXXX XXXX XXXX  to show that the credit should have never been XXXX. XXXX I have more than 9 dispute letters for this one file. 
I called into capitalone more than 20 times to resolve this. File XXXX. 
I am so mad what they did to my account I can not speak to them without yelling. 

XXXX XXXX has frozen all transactions with capitalone to ky account and put a fraud alert on capitalone. 
And I have frozen my credit reporting accounts as requested by XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 6 o 2 states I have the right to privacy.15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
For several months Transunion sends me emails stating that I will be receiving instructions on how to change password and access my Transunion account. Transunion has no0t done so and is violating federal laws by blocking access to my Fico score and credit reporting information. In addition, Transunion is not actively, or sufficiently investigating disputed accounts when evidence is provided to them when forced to dispute using third party services as Transunion has continued to block access and to my account and lie about attempting to give me access to my account that they have blocked me for several months/years!!

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 2023-04-26 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: PA

Complaint narrative:
I am writing this complaint against TransUnion for allowing fraudulent inquiries on my credit report. The dispute letter including my Identity Theft Report was mailed out and delivered to them on XX/XX/2023. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in 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