vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 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: MA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 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 Experian report has some issues that are not apparently clear to me. 
I can not request my report from WWW.ANNUALCREDITREPORT.COM. Attached is the screenshot of the error I get when I try to do so. I have no problem getting my XXXX and XXXX  reports from the same website. Also When I try to do three bureau credit refresh, a feature in experian membership, it throws another error saying there is data mismatch between my experian and other reports. Also attaching the screenshot of that error. 
I have raised multiple complaints over the weeks and haven't gotten a resolution. Most of them who are probably under trained representatives don't even understand my issue. They keep offering to send me a physical copy of my report without trying to understand my issue and get me a resolution. One representative I spoke to sorta understood that the issue is with data and raised a ticket with the data team appropriately. I've come to lean that the ticket is closed without trying to resolve it.

I believe the whole issue started when one of the representative disputed wrong version of a name instead of the one I indicated. I have been having these issues since then. to be specific the issues started somewhere after XX/XX/, which is when I was able to successfully retrieve my experian report for the last time. I have been having these issues ever since.

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 2023-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Self Financial Inc.
State: WA

Complaint narrative:
On XX/XX/2023, I noticed an unauthorized withdrawal of {$9.00} on my bank account to Self Lender, Inc. I have never heard of this company and have never accessed this company 's website and/or used this service. I then checked my credit reports and noticed a fraudulent account had been opened on XX/XX/2023 using my information in the amount of {$520.00}. The account showed as a personal loan with SBNASELFLNDR on my XXXX credit report, an installment loan with XXXX XXXX  on my XXXX credit report, and an installment loan with XXXX XXXX Self Lender on my XXXX credit report. I attempted to contact XXXX XXXX and was only able to get the automated message telling me to email XXXX and XXXX for issues related to fraudulent accounts and credit report issues. On XX/XX/2023, I emailed Self Lender letting them know about the issues outlined above and requesting urgent attention and a response. On XX/XX/2023, I attempted to call the bank ( XXXX XXXX  ) and spoke to an employee there who told me the only people who could help are representatives from Self Lender, and was again directed to contact Self Lender. On XX/XX/2023, I again emailed Self Lender requesting a response and urgent action. I had still not heard back from my original email. On XX/XX/2023, I emailed Self Lender again and attached a copy of the identity theft police report and FTC reports and requested urgent attention and action. I did not receive a response. On XX/XX/XXXX, I again emailed Self Lender and requested urgent action and attention. I have still not received any response and/or communication from XXXX XXXX. The fraudulent account opened in my name caused my credit score to drop at least XXXX points. Clearly, I am a victim of identity theft and I am extremely upset that this issue has not been immediately addressed and rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have below the invoice that will be sent off to XXXX XXXX XXXX I want the account updated and removed, as well as all personal history, details, all addresses on file, basically I want my private information out of this and other companies hands immediately!

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 2023-04-06 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: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: CA

Complaint narrative:
I XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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:
I n accordance with the Fair Credit Reporting act XXXX Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: MI

Complaint narrative:
XX/XX/XXXX. XXXX and Equafax added 2 hard inquiries that are not mine.

1. EQUAFAX corrected it but THEY are still reporting the 4 point drop these caused in my credit score! 

XXXX. XXXX is still showing them but thier is no contact info. 

XXXX. I can't reach XXXX XXXX XXXXXXXX XXXX NA says they don't have any record of this so they can't do anything. 

I have not applied for ANY kind of loan or insurance. 

I beleive this fraud might be from someone that I had incarcerated for stealing my car in XXXX. He was released XX/XX/XXXX, the night before these inquiries showed up. He has a background of fraud. Also, on XX/XX/XXXX he called my daughter and asked for my birthdate, claiming he wanted to send me a XXXX XXXX. Unfortunately he caught her off guard and she ignorantly gave it to him. It was shortly after she gave it to him that these 2 inquiries showed up. 

I have since frozen all my credit accounts and added fraud alerts to them all. 

Regardless, I haven't been able to get anywhere with XXXX at all. Equifax removed them but did not restore my credit points. Trying to contact these other 2 companies that caused all of this has been futile. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Although having these inquiries on the XXXX ( XXXX ) report are not currently affecting my score, they said they will if they are there more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: GA

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XX/XX/2023 : Homeowner died intestate after serious illness. Ex-wife with no rights to property moved in, withheld information on pending foreclosure, damaged the house 's sewer system, dumped the deceased " household possessions outside the house, claimed rights to ownership, barred rightful heirs from coming into the house, moved in tenants and charged rent, illegally sold prescription medication of deceased, misrepresented identity and opened several credit card accounts in the deceased 's name, and refuses to provide all identification, tax records, income statements and real and private property of the deceased. 
XX/XX/2023 : Contacted XXXX XXXX XXXX Nationstar Mortgage, uploaded death certificate, reported hostile adverse possession of property and requested information on bringing the mortgage current while probate process was initiated. 
XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 emailed all documents proving adverse possession and XXXX XXXX rights to cure the delinquencies on the account to bring the mortgage current so that the rightful heirs inherit the property. 
XXXX XXXX representatives all refuse to acknowledge or work with deceased 's heirs to cure the past-due status, because they want to foreclose on the house and profit at the expense of the rightful heirs and in support of the illegal occupant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: MD

Complaint narrative:
This complaint against PNC Bank centers on its customer service and the banks total disregard to correct a banking error they mad. I have been paying bills through PNC Bill Pay for several years now and in mid XXXX I setup a payment to my credit card that was to be sent by XXXX XXXX. Due to the amount of the payment and with out notifying me when I set up the payment PNC mailed a check vice a wire transfer. The payment was received by the credit card company on XXXX XXXX vice the XXXX XXXX. Due to the late payment, I was charged a {$40.00} late fee, {$150.00} in interest and a late remark reported to the credit bureau. 
Since this time, I have filed three formal disputes with PNC and spent numerous hours on the phone talking to PNC Customer Service. Two of the disputes were rejected within ten days and the third was submitted a month again with no response. PNC is taking no responsibility for sending the payment late and is stating the {$190.00} in charges I received were from the credit card company and that only the credit card company can reimburse these charges. 
This in no way was the credit card companies fault, the payment was received late due to poor PNC processes, and they refuse to admit their fault and reimburse my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06 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: MO

Complaint narrative:
Please remove the unauthorized inquiries from my credit report Ive tried reaching out to the companies with multiple letters and phone calls. I did not authorize these inquiries please delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-06 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: OH

Complaint narrative:
IVE NOTICE UNAUTHORIZED INQUIRIES ON CREDIT REPORT AND NOTICE THAT SOMEONE MAY HAVE APPLIED TO SOMETHING IN MY NAME.

I HAVE SENT MULTIPLE DISPUTES TO REMOVE THESE HARD INQUIRIES THEY ARE FRAUDULENT AND I WANT YOU TO GET THEM REMOVED.

DO TO THE FAIR CREDIT REPORTING ACT LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE REMOVED.

I DONT KNOW YOU HAVENT RECEIVED MY LETTERS, I DONT KNOW WHY YOU HAVENT RECEIVED MY NOTIFICATIONS BUT IM TELL YOU RIGHT NOW THAT THEY ARE NOT MINES & NEED TO BE REMOVED.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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 2023-04-06 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: SC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I sent national credit adjusters a verification letter over a month ago. They did not send anything in return, but they reported to the consumer reporting agencies that its been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called Bank of America ( BoA ) on multiple occasions. During one of the first contacts with BoA, I was told that these fraudulent accounts were not an issue as no charges were being made. Then I was told on a subsequent call that the accounts were closed. After several months, Istarted being charged by BoA, to which I called the company back. I was told that since my personal social security number was not associated with the accounts, I have nothing to worry about. I am trying to resolve this process without much avail. Please refer to the uploaded police, FBI and FTC reports for additional information.

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 2023-04-06 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: SC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
On XXXX I accessed my XXXX account to remove a closed bank account and add my new bank information to transfer {$500.00}. During this process, I pressed the wrong button and XXXX sent the transfer to the closed account. Within five minutes, I tried to cancel it thought XXXX, but I was unable to do so. I was told that if it was sent to a closed account, it would be returned to my XXXX account in 5 days. XXXX does not offer XXXX recalls but has provided me with the trace number for the transaction. I have spoken to Peoples United bank which merged with M & T Bank after my account was closed approximately every three days since. They have confirmed that my money has been deposited into someone else 's account at M & T Bank that does not belong to me. Every person I have spoken with has given me a different story as to why this is taking so long and I have to start over from the beginning of the story every time I call them. I have given them old addresses, account numbers, social security numbers, the actual trace number for the transaction which they have confirmed did not go to me. They refuse to let me speak to anyone in their ACH department and are now telling me I have to file with small claims court and file a police report to ( maybe ) get my money back. I am hoping that filing this complaint will help.

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