vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Now I have submitted three times to have my credit report corrected thus far XXXX XXXX and XXXX have cleared the Data Furnishers unauthorized on my credit report. On XX/XX/XXXX, the bureaus stated that they did not know who was reporting the Public records Case # XXXX. I sent this information to the FTC was sent on XX/XX/XXXX, but lost my complaint in the mail room - tracking # XXXX. On XX/XX/XXXX, I submitted a complaint with CFPB in which I was unable to access my account. After numerous calls and with verbal verification XXXX was removing the unauthorized bankruptcy. I was to receive the letter from CFPB as of XX/XX/XXXX, I still do not have the letter. I was informed by the CFPB that the letter has been sent and that they can still see letter from XXXX agreeing to remove the unauthorized Data Furnishers. XXXX and Equifax have stated they needed proof of my identity which is 100 % false. I was told by the CFPB today XX/XX/XXXX, that I needed to resubmit my claim for XXXX and Equifax to remove the unauthorized bankruptcy. 

Complaints XXXX XXXX, XXXX XXXX XXXX Equifax XXXX Public Records Caselaw Supreme Court Ruling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violations 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Attached is proof of my submissions to XXXX and Equifax. I am not including XXXX because they have removed the Data Furnishes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have BB & T and I have opted to not let my account over draft because I dont want it to. But they continue to let everything go threw it even with no money in my account and when I mean everything I mean subscriptions that I have that keep coming out and I dont know where they came from or why I have them to even cancel them but they continue to let these charges go threw them Im left with horrible over draft fees. I want to just close the account which Im planning on doing Friday but until that time Im having no help with the bank on how to stop this from happening. So I feel like no matter if I want my account to be able to over draft or not and I opt in or out for it they r going to let it anyways

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 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My loan was originated and serviced by united wholesale mortgage from XX/XX/XXXX until XX/XX/XXXX. my loan was purchased for servicing by Chase Home mortgage on XX/XX/XXXX. the letter for servicing stated that none of my loan details would change. however, they have since changed the monthly amount of my PMI ( increased ). and my loan had an escrow waiver. my taxes are on auto pay and due quarterly. next payment was due XX/XX/XXXX. the payment was made by me on XX/XX/XXXX. noticed i had an escrow advance on my account with Chase, and increased my balance by the amount of quarterly taxes ( XXXX ). Chase told me that they have the right to pay my taxes since they have ownership interest in my home and said they can not refund me my money. they are opening a case about it. they unethically and unlawfully spent my XXXX dollars without my consent. i have never signed a document for chase mortgage. in essence chase mortgage has robbed me and doesnt own up to it or look to help out in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: OR

Complaint narrative:
After multiple disputes with all 3 of the CRA 'S, XXXX, XXXX & EXPERIAN as well as the data furnisher/creditor XXXX XXXX XXXX XXXX XXXX XXXX, WA ) XXXX 4 of the companies has failed to provide documentation in regards to my request regarding inaccurate reporting of a charge-off in 2017, my request per FCRA 623 laws of how the alleged investigation were done. A manager from XXXX XXXX sent me a letter stating that my dispute was " frivolous '' without providing any documents of how they validated their investigation. Nor was any paperwork with my signature shown to support and validate their claims that this is my account and that they are indeed reporting it accurately. My rights as a consumer allows me to request a written documentation along with evidence and proof of the investigation by XXXX XXXX to support their claims that information is not being reported inaccurately. However no proof and/or evidence was made which allows me to believe that the data furnisher is indeed providing " frivolous '' and " irrelevant '' claims of validation in regards to multiple inaccuracies on all three of my credit reports they have been sharing illegally. This really is a huge concern for me and many other consumers that are being taken advantage of by predatory lending institutions as well as sub prime banks. An investigation in the practices and integrity of this specific financial institution ( XXXX XXXX ) is needed ASAP.

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 2022-02-02 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: NY

Complaint narrative:
The Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( 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 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NH

Complaint narrative:
I was the victim of an elaborate online scam in which I ended up transferring XXXX dollars to someone who never reimbursed me. The transaction ( which came from my checking account ) was done on Zelle. The scammers Zelle account was XXXX XXXX and their email was XXXX. Although I spoke to my bank ( XXXX XXXX ) nearly a dozen times, and called Zelle XXXX times in total, I never got answers or an attempt at reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I took a title loan with a company called XXXX. I finished paying off the loan last month in full. As of today XXXX has not returned my car Title and continues to ignore my phone calls and emails regarding my title. The company refuses to return my title and remove themselves as lienholders. This is clearly a violation and fraud on what they are doing and the company needs to be investigated. They are still reporting to all 3 credit business Bureau that the account is still open and a debt is still owed which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
U S Bank closed my account because it was suspected to have been used with out my permission then reopened another account with transactions that had already completed ( paid for ) /double posted, instead of applying an adjustment to the account they applied provisional credit credit which I lost the dispute because I was told to ignore submitting documents to prove anything as I had never disputed these transactions with XXXX XXXXXXXX XXXX I had only disputed them with us bank for double posting them. 
Today I see more forced post adjustments that do not even have provisional credits/disputed even attributed them, bring my balance to a negative XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. It should be negative XXXX XXXX dollars and if all the overdrafts are taken off ( which are due to these provisional credit reversals ) then it would be a positive balance. Im littlerly with out food and Im begging local businesses for water to drink, Im on the brink XXXX XXXXXXXX XXXX XXXX XXXX due to their mistakes due to the result of their fraud detection and closing my account and creating a new one and so on.

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 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Im trying to catch up in all my payment but Capital One bank keeps charging me fees and interest rates and is making it super hard for me to catch up. I called and ask if they can take off the late payments so I can catch up and they told me No. 

XXXX  XXXX account Ending in XXXX CHARGE : Past due fee {$33.00} XX/XX/XXXX Capital One Walmart Rewards XXXX Past due amount {$28.00} XX/XX/XXXX Interest charge. {$14.00} XX/XX/XXXX Past due amount {$18.00} XX/XX/XXXX Interest charge. {$14.00} XX/XX/XXXX Interest charge {$6.00}. XX/XX/XXXX XXXX  card XXXX XXXX charge {$3.00} XX/XX/XXXX Past due. {$40.00} XX/XX/XXXX Interest charge. {$3.00} XX/XX/XXXX Past due. {$25.00} XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The EXPERIAN Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/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 2022-02-02 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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

These items are reporting late as reported in TRANSUNION. Lets correct this immediately. TRANSUNION is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( LATE/OPEN : 1. XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance {$0.00} 2. XXXX XXXXXXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$35000.00}

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 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
Recently, I, XXXX XXXX, was denied an extension of credit by Destiny XXXX Card. On XXXX XXXX, I applied for Destiny XXXX Card. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ) .Destiny has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Destiny should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX  Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: WI

Complaint narrative:
I continue to see unverified and erroneous accounts listed on my credit profile. I have repeatedly asked for an investigation into this accounts as well as verification of these accounts and have yet to get a response or receive written, signed documentation that these alleged accounts are mine. I do not recall opening the accounts and they continue to be reported on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: WI

Complaint narrative:
I continue to see unverified and erroneous accounts listed on my credit profile. I have repeatedly asked for an investigation into this accounts as well as verification of these accounts and have yet to get a response or receive written, signed documentation that these alleged accounts are mine. I do not recall opening the accounts and they continue to be reported on my credit profile.

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 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Several unexpected loan inquiries on my credit report on XX/XX/2021 when I arrived at the dealership with my own financing from my credit union XXXX XXXX. These unauthorized inquiries included : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX  XXXX Also XX/XX/XXXX, XXXX was another unauthorized inquiry as I already had approval from XXXX XXXX on this day.

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 2022-02-02 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: IN

Complaint narrative:
Several unexpected loan inquiries on my credit report on XX/XX/2021 when I arrived at the dealership with my own financing from my credit union XXXX XXXX. These unauthorized inquiries included : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX Also XX/XX/XXXX, XXXX was another unauthorized inquiry as I already had approval from XXXX XXXX on this day.

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 2022-02-02 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

These accounts are inaccurately and erroneously reported in EXPERIAN. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to EXPERIAN Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( LATE/CLOSED ) XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ( COLLECTION ) XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance {$29000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$380.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$1700.00}

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 2022-02-02 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: NY

Complaint narrative:
The XXXX and Transunion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( 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 2022-02-02 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

XXXX XXXX AUTO is currently showing 30 days late ( XX/XX/2020 ) in EXPERIAN. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

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