vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 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: PA

Complaint narrative:
I consumer did not consent too nor authorize these inquiries that are reporting to my Equifax consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Equifax. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Equifax an identity theft report via USPS certified mail. Is Equifax above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Equifax humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If Equifax can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Equifax let concur on my consumer report.Equifax stole my identity and sold my private information without prior consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and XXXX  XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy.

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished 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 explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
Conserve is reporting a debt on my credit for {$130.00}. I sent a certified letter, on XX/XX/2022 asking for documentation and validation of the debt. They have not responded to date ( XX/XX/2022 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2022-03-04 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Case # XXXX Citi Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX What happened : " Our records reflect the authorization for {$0.00} to XXXX XXXX XXXX XXXX XXXX " Because the charge did not post to your account, it did not qualify for one of the benefits of your card, which is is {$0.00} liability on unauthorized charges ; therefore, an investigation was never conducted '' Your Citi Executive Response Team City did not answer the question : How did that charge get into our accouint and why does Citi dismiss it? It did get there and was not authorized so how can it be any except Fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
On Friday XX/XX/21 I contacted my mortgage company for them to do an assessment on my escrow account. I am being charged {$460.00} per month for taxes and insurance. Which totals {$5600.00} per year. My property taxes for the year total {$2200.00} and my Homeowners insurance total is {$500.00} per year. This makes the total needed to cover both {$2700.00} per year. I am requesting an explanation as to why they are charging {$2800.00} more then what is needed to cover the escrow. When I first contacted the company by phone they told me that it would take approximately 10 days to get this looked at. It has now been over 3 months and still nothing has been done. When I contact them either by phone or email they tell me it will be another 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Rocket Mortgage keeps calling me to cash out my home equity. I have begged them repeatedly to stop calling me and opt me out of their calls, but they insist that since I have an active mortgage with them they are allowed to keep calling me to sell me on the benefits of cashing out all the equity in my home. They refuse to stop calling me. I don't want to cash out all the equity in my home. I don't see why just becasue I have a mortgage with them they are allowed to keep calling me! Please make them stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: GA

Complaint narrative:
I file a dispute with equifax for unauthorized inquiries on XX/XX/2022. Equifax refuse to remove the fraudulent inquiries. This is a violation. Under 15 U.S code 1681b permissible purpose of consumer report I never gave you written consent to report anything on my consumer report. No consent is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TX

Complaint narrative:
XX/XX/XXXX credit score XXXX XX/XX/XXXX credit score XXXX ( decrease XXXX points ) XX/XX/XXXX credit score XXXX ( increased XXXX point ) XXXX/XXXX/XXXX credit score XXXX ( decreased XXXX points ) tried to dispute the inaccuracies online but trans union does not give you that option. 

called trans union to dispute the inaccuracies but trans union customer service state they are not able to provide the information to the inaccuracies. 

last 5 years there has been no derogatory information reported by trans union to explain the credit score decrease from XXXX down to 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 explanation
Consumer complaint received 2022-03-04 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: TN

Complaint narrative:
I recently wrote you a request to look into the information that I had previously questioned. I don't allow e-Oscar or any other automated type of verification because it's inconvenient and makes me angry. I retain the right to launch a law suit against your firm or any company you represent if the material is not immediately reinvestigated and removed, and if you continue to break the law under the Fair Credit Reporting Act.

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 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I opened an account at XXXX. I dont know why but one day during XX/XX/XXXX, they suspended my account. There were {$200.00} in that account. In XX/XX/XXXX, I contacted the customer service they said they will sent me a check in 30 days. I didnt receive anything until XX/XX/XXXX and then I called again. I sent all my documents to them, they said they will open my account in 48 hours. They didnt open it. After that I called again, they said I need to send email to XXXX, I did no one response. I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
On XX/XX/2021 I was contacted by phone from a foreign speaking man that I couldn't under stand very well and he had all my information regarding how much I owed to Capital One and my credit card numbers at that point he said that I could end paying my {$200.00} monthly payment. But he needed my XXXX code #. As soon as I was talked into giving the code he switched me to a lady that was trying to sign me up with an investment counselor at that time I told them that didn't want to go any further until I receive a contract. Unknown til Later did I find out they charged my Credit Card {$3700.00} that very same day! That's when I contacted Capital One to dispute the charge at first they removed the charge then this XXXX XXXX supervisor sent Capital One a forged contract with my Name and initials and they put the charge back on my Credit Card. I spoke to this XXXX XXXX on the phone and he told me he was going to cancel this phony contract but he lied to me several times about ending this. I canceled my credit card thinking he could possibly charge more. I was told by Capital One that this case is closed because I didn't follow up within a certain amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This complaint is a follow-up to an earlier complaint ( # XXXX ) filed on XX/XX/XXXX. On XX/XX/XXXX, I received a reply to the original complaint which instructions to get the information that I had requested. 
I have tried several times to obtain the information, first on XX/XX/XXXX, and XX/XX/XXXX via letters., On XX/XX/XXXX, via fax, and finally via registered mail on XX/XX/XXXX. 
Capital One was supposed to provide me with the information within 30 days of receipt of my written request. I verified that Capital One received the letter on or before XX/XX/XXXX. 
Today, XX/XX/XXXX, I contacted Capital One to inquire why I hadn't received the information. Unfortunately, after being transferred several times and waiting on hold for approximately XXXX minutes, the call was disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
I have had an XXXX checking account since XXXX. Last year XXXX informed me I will be transferred to Citizens bank in XX/XX/XXXX. I closed my XXXX checking account on XX/XX/XXXX, before the transition happen in XX/XX/XXXX. However, I am not sure what happened, I still received Citizens bank 's checking account debit card, and mailed me a letter saying I have a checking account with them, although I never decide to open an account at Citizens bank. I try to contact Citizens bank customer support several times but can not reach a person to close my account. Please close any existing accounts under my name immediately in Citizens bank, and remove my profile in your bank. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: OR

Complaint narrative:
I have no idea who the firm is and requested that they stop contacting me especially while at wok. This request was sent in a reply to the text messages they sent me. I have received numerous phone calls daily at work after this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: CORELOGIC INC
State: OK

Complaint narrative:
The company Creditco shows a hard inquiry on my credit report. I have no idea who this is and why they are on my report. I need the hard inquiry removed because I have never had any dealings with this company before. 

Thank you, 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 explanation
Consumer complaint received 2022-03-05 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and XXXX XXXX  XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished 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 explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Hello, I'm writing to lodge a formal complaint against Freedom Mortgage, the company that services our mortgage. Since Freedom became our servicer ( something over which we had no control, like everyone else ), we've been barraged with both paper mail and phone calls " offering their services '' to refinance, etc. I've repeatedly told them over the phone that we are not interested in their marketing and explicitly demanded they cease from contacting us with marketing material. I still receive constant paper mail and phone calls. They even continue to call me and asked that I validate my loan information in order to receive their follow-up sales pitch! And how am I to know it's a sales pitch vs. a legitimate issue with my account until I've provided personal information? I understand that they need to validate whom they're speaking with but my mortgage servicer calling me and asking to validate my personal information for a marketing call ( which I've already refused ) is deceptive and insinuates that they're calling me about a legitimate issue with my account. I can confirm that there have never been issues with the status of our mortgage. I live in a " hot market '' so there's absolutely zero incentive for Freedom to stop this behavior unless the CFPB steps in and slaps them on the wrist. I'm already coughing up thousands of dollars a month to Freedom Mortgage : I shouldn't have to endure their incessant greedy shake-down on " additional services. '' I appreciate the Bureau 's attention to this matter. 

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 explanation
Consumer complaint received 2022-03-04 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: NC

Complaint narrative:
A representative sent a text after I went online to inquire about a vehicle. And selected there PRE APPROVAL OPTION with no effect to your credit. The representative called and sent multiple text about not completing the pre approval. He provided reassurance that it is a SOFT HIT and will not damage my credit. I stopped based on me knowing my credit score. The rep proceeded to call and sent texts stating that there will be no impact to my credit report. I filled out pre approval. I then called the rep and stated my credit score just dropped and was told it shouldnt have. I then contacted general manager after my credit showed an inquiry and was told that the inquiry will stay on my report for 3 days and fall off. This occurred with XXXX XXXX XXXX NC in XXXX, NC. I did ask if the calls are recorded and they provided that their calls are recorded.

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 2022-03-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.

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 2022-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
To Whom It May Concern, I am XXXX XXXX I have recently checked my credit report and I am seeing activity that I do not recognize or authorize. Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining credit, money, property, labor, or services on credit ''. Notice Congress said ANY card. The credit card is my social security card. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my credit report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

Pursuant 28 1746 Unsworn Declaration under Penalty of Perjury Signed : XXXX XXXX, XXXX XXXX, Beneficiary without recourse UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and ACCT XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished 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 2022-03-05 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and ACCT XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have inquires on my report that do not belong to me. 

XXXX. XXXX XXXXl XX/XX/2020 XXXX. CITIBANK XX/XX/2020 XXXX. CITIBANK XX/XX/2020 XXXX. XXXXHD CBNA XX/XX/2020 XXXX. XXXX XXXX XX/XX/2020 THESE ITEMS ARE NOT ME OR ATTEMPTED BY ME AND UNDER FCRA WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT AND UPDATED

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