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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
loan bank company XXXX  refuses to lend me money without no reason and refuses to give convincing reason as to why they refuse to give me lend me money? 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: Incorrect information on your report — Information belongs to someone else
Company: Essential Lending Inc
State: NM

Complaint narrative:
I have contacted the company to notify them I did not open this loan. After speaking with them the social security number was correct, but date of birth listed was incorrect, second where I do not have a bank account where funds were transferred to. I do not have a bank account at XXXX XXXX XXXX. They have an account number, where a payment was withdrawn from and notified them again I do not have an account there. Phone number they had listed was not my phone number, they are hurting my credit by not removing this report. I have filed a fraud report at a website. Will soon file a report with the police. I feel they did not follow through with the process of verification and allowed my identity to be stolen.

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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX joint account with XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX joint account with XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX I Account # XXXX has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also stats a consumer reporting agency can not furnish an 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX joint account with XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX joint account with XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX I Account # XXXX has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 604 A. States I have the right to privacy.

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

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: BROKER SOLUTIONS, INC.
State: WA

Complaint narrative:
Our mortgage closed in mid XXXX. Property taxes were supposed to be paid as part of the closing. The taxes were not paid and are still owed. We called New American Taxes department twice in XXXX ( XXXX and XXXX ) and again today XXXX XXXX. The county treasurer verified taxes remain unpaid. The taxes owing at closing were about {$1000.00} and as of today the total taxes including XXXX is {$2100.00}. The county is asking us why this has not been paid timely. This goes on our records as a late bill.

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: 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: MI

Complaint narrative:
I am a victim of fraud and these are not my accounts I am requesting that these accounts be blocked and removed per FCRA 605 B XXXX XXXX / XXXX XXXX XXXX XXXX {$120.00} XXXX  xxxxxxxxxxxx XXXX {$3700.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX IS NOT MY NAME OR ME XXXX : ( XXXX ) XXXX H : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX NOT MY NUMBERS

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of fraud and these are not my accounts I am requesting that these accounts be blocked and removed per FCRA 605 B XXXX XXXX  / XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX IS NOT MY NAME OR ME XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX  : ( XXXX ) XXXX NOT MY NUMBERS

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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA, XXXX XXXX To Whom it may concern, I recently challenged the validity of all inaccurate account thats being reported on my most recent credit report. Upon challenging this, Transunion you did not deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these account with your company you have verified these same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, I am requesting the information you used to verify these account in writing. Including Original contract with my original signature, creditors information and original address, payment history of accounts and proof of ownership of all debt. If such documents can not be produced DELETE this account from my credit report immediately. If not I will be taking further actions!. 

I am attaching my ID Best Regards,

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am sending this to bring to your attention the injustices that are being committed against U.S citizens such as myself. I have on several different occasions made known to CFPB that I am being taken advantage of by corporations that are not upholding there responsibilities assumed by them to report accurate, correct, and complete information. I am now reaching out to you again about in specific a collection agency that goes by the name of PROCOLLECT , INC . I have provided PROCOLLECT , INC with FTC reports explaining thefts that happen to me pertaining to information they house and how the information they are housing as well as are reporting is not information that reflects any account that I have opened knowingly. I have also provided them with law and other reasonings and instructions pertaining to the theft and am being taken on a goose hunt. They are responding to my letters with the same response each time I ask for a reinvestigation of my case. This has been years and I am still dealing with this account reporting on my credit profile. I am beginning to get very frustrated and now again I am asking that you CFPB to look into this fraudulent account you being the governmental body and make PROCOLLECT , INC abide by the law as this is what the system is based off. The letters sent to PROCOLLECT , INC prior to this attempt are attached with this complaint. PROCOLLECT , INC is asking for a police report but I am not in my city at the moment and shouldn't have to deal with that hassle. According to FDCPA, FCRA, and FTC a FTC report which is equivalent to alerting the local authorities coupled with my testimony is all that is needed to validate that the theft has actually occurred. And if the company is looking for more proof than all the documentation I have already provided, then I also am asking the company to prove the debt is mine by providing me with the original contract between me and the Original creditor. Specifically this contract I'm looking for as proof of the debt must bear my signature to be valid and must be the original instrument used when the account was opened. If this proof is not specifically provided, by law the account in question must be deleted according to FCRA. I am asking this thing be handled immediately or I will seek litigation.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of Identity theft. This is my official statement about the crime. Contact Information FTC Report Number : XXXX Name : XXXX XXXX XXXX : XXXX Last Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX USA Personal Statement Phone : XXXX I went over my credit car bureaus info and I fond that someone had used my personal information to get credit cards and to lease car as well. My personal information was use to open this accounts. 

XXXX credit card XXXX # XXXX amount : {$600.00} XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX amount : {$2400.00} Accounts Affected by the XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Organization : Account Number : Date fraud began : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$10000.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date XX/XX/XXXX XXXX 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 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Resources, Inc.
State: FL

Complaint narrative:
AFR ( American Financial Resources ) was the lender on my refinance. They were supposed to pay the XXXX Insurance and never did. I have tried to call, left messages and tried to contact the corporate office with no response over the last 4 months. The loan was transferred to another company and they can't get the company to respond to them either. 
My house closed on XX/XX/2022 and within my closing cost AFR was supposed to pay the XXXX Insurance invoice. They never did. On XX/XX/XXXX the XXXX  Insurance provider ( XXXX XXXX XXXX XXXX ) canceled the policy due to non payment. The invoice for the flood insurance was required by AFR to get my refinance and is listed in the closing cost for them to pay. They also had a copy of the invoice ( required for refinance ). I requested a copy of my file that shows what they paid so I could find out if they didn't pay anything else. No response and no file. 
I had to get another flood insurance policy from XXXX and that has been paid. My problem is because AFR didn't pay the policy so there was a lapse in coverage which is costing me an additional {$300.00}. I do not think this is fair. Maybe you can get an answer for my problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have a Savings Account with Marcus by Goldman. I am withdrawing only {$5500.00}. This criminal outfit Marcus by Goldman.blocked my transfer and blocked my saving account without no cause - causing significant signifcant problems. it is my money- not this criminal outfit 's money. Furthermore, criminal outfit Marcus by Goldman countiunes to discriminate and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/21 I financed a new XXXX encore and I was not disclosed any information and what my finance charge consisted I'm being charged XXXX. I was not offered insurance or given my truth and lending statement. The information was withheld.

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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have contacted the company to notify them I did not open this loan. After speaking with them the social security number was correct, but date of birth listed was incorrect, second where I do not have a bank account where funds were transferred to. I do not have a bank account at XXXX XXXX XXXX. They have an account number, where a payment was withdrawn from and notified them again I do not have an account there. Phone number they had listed was not my phone number, they are hurting my credit by not removing this report. I have filed a fraud report at a website. Will soon file a report with the police. I feel they did not follow through with the process of verification and allowed my identity to be stolen.

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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received an email on XX/XX/22 from a company I have never heard of called XXXX XXXXXXXX. I was sick to my stomach, then I called immediately to report fraud, as I have never heard of this company and did not and would not apply for this type of loan. They assured me they would alert fraud when I called that night- they clearly did not flag the account. I receive a call today- which shows up as spam risk - so I didnt answer - They left a voicemail - that I have not paid the loan - and I am late on payments. The number I called back today XX/XX/22 was XXXX and told them again I NEVER opened a loan with them. I was given information that this person who stole my identity used my old mailing address XXXX XXXX XXXX XXXX - zip XXXX with my cell number and they were somehow authorized to send money to wells fargo which I have never had a checking or savings account with. These funds apparently were released to account number ending in XXXX- on XXXX XXXX. I received a call today my account was past due - which now I am very worried as someone not only stole my identity, my credit has been impacted. There is a late payment with XXXX knows how high the interest is on this type of personal loan. This same person - tried to open another personal account with XXXX XXXX XXXX the same day and got denied. I have filed a complaint with the FTC, I have called Wells fargo and I have called XXXX loans- I am filing a police report next as well as calling XXXX XXXX, XXXX, XXXX and XXXX and am prepared to get professional legal authorities involved.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian reporting agencie is reporting false and inaccurate information on my credit report I have reached out to them on this matter there are three XXXX  debt collections appearing on my credit file that are inaccurate reporting. 

XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 

I Have reached out to this Agency many times with 3 and 4 disputes that are not been properly Investigated the dispute is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have tried uploading documents on line on the website and unsuccessful also website is giving a stange Error the accounts that are being reported on my account is a Violation of HIPPA and a complaint Has also been Filed in that matter I think this Reporting Agency has some fraudulent activity going on that needs to be investigated by Higher authorities because they are dealing with a large amount of accounts and data to be this negligent with 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 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent disputes to Experian in accordance with 15 USC 1681i. According the completed disputes received from Experian, an alleged bankruptcy record # XXXX was " verified '' and " accurate '' as a result of their investigation with said furnisher " XXXX XXXX ''. A dispute was filed with XXXX XXXX in which on XX/XX/XXXX, they were unable to " verify '' this record in a time-frame required, and therefore the record was " Removed ''. I have attached a copy of this letter for proof. I received a complete consumer disclosure report from XXXX XXXX dated XX/XX/XXXX, in which the 80 page report did not contain a " Bankruptcy Record ''. I have also attached the letter from the Bankruptcy court stated that they " Do not report filings to CRA 's ''. Experian has violated several Federal Laws, and this alleged record is " Unverified '' and " Contestable '' and therefore must be removed.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC

Complaint narrative:
I have been XXXX holder since 1 year. 
The CEO, XXXX XXXX said XXXX is safe and secure, safer than the bank!!! 

I put my crypto money on my XXXX account, XXXX XXXX $ Now its impossible to withdraw my crypto money from XXXX, XXXX has stolen my crypto. 

I want my crypto back. 

I am from XXXX, its a bad image of the US, if there is no solution to give back the money to the XXXX users. 

I have chosen celsius because its hold in the US, Iwill not choose it if it was in XXXX. 

Thank you to do the best,

Company response to consumer: Closed with explanation