vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Adverse Action was taken against the consumer. 

I the consumer and natural person was denied credit by XXXX XXXX XXXX when I applied for a Auto laon for extension of credit.. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
XX/XX/2023 XXXX XXXX  garnishment my bank account under fraudulent identity theft and well past the statue of limitations for the state of Kansas I have filed police report today XX/XX/2023. Case number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent, Capital One has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: GA

Complaint narrative:
I have Disputed these accounts more than once and the information has not been updated. XXXX  XXXX XXXX account is old and the delinquency dates are not reported. It was deleted automatically off my other XXXX reports but not this report. The XXXX account is over seven years also and not reporting accurately. The delinquency date on the Truliant account is also wrong. I need this corrected immediately. They are not taking my complaint seriously. The representatives have not been helpful at all and do not care.

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 2023-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX I went on unpaid XXXX for giving birth to twins. I fell a couple of months behind on my mortgage and applied for temporary mortgage assistance. In XX/XX/XXXX I was placed on a forbearance for 3 months. I started a new job XX/XX/XXXX and in XX/XX/XXXX my forbearance was extended until XX/XX/XXXX and a plan was set up for me to make a payment every two weeks so that I would be current on my loan by the end of the extension. On XX/XX/XXXX I called to schedule the next payment for my mortgage and was told my loan had been sold to another bank. When I reached out to the bank they told me to call back after XX/XX/XXXX when they would be able to access my loan details. I called them on XX/XX/XXXX and was told that I was two months behind on my mortgage. I asked why my forbearance did not transfer with the loan and was told they don't have any record of me ever being on a forbearance and that they would be reporting a late payment on my credit report. This should not happen as I had a plan and a date to be current on my mortgage. They told me I would need to reapply for assistance with them and wait up to 30 days for approval, but even that would not stop the negative remark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: AR

Complaint narrative:
At this point and time I may not have the necessary documents for you to access, but as my report may show a numerous amount of inadequate reports. Sadly, to say I was XXXX majority of the years my credit may or may not have been used. Therefore, I would greatly appreciate it if you would look into the matter and provide me with year and date that my information was involved in. Also, how would I access much needed funds through this financial company? If at all possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : 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 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-03-30 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated
State: KS

Complaint narrative:
XX/XX/2023 unifund llc garnishment my bank account under fraudulent identity theft and well past the statue of limitations for the state of Kansas I have filed police report today XX/XX/2023. Case number XXXX XXXX XXXX XXXX Kansas

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: WA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-30 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: WA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-30 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: GA

Complaint narrative:
The addresses that are on my credit report are not my addresses.I have had an issues of identity thief.I filed a police claim and everything to have the issues resolved.I also filed complaint/dispute to the credit bureau ( Experian ) about my identity being compromised, and the information is still there.

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 2023-03-30 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: TX

Complaint narrative:
I received a letter that I am being sued by XXXX XXXX XXXX XXXX. I have disputed this as I need evidence this card was mine. I have not received any information on the when the account was opened. This has negatively impacted my credit score and I believe has violated my rights according to the following : * 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

* 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions * 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: NM

Complaint narrative:
Hello, This morning my father received a call from XXXX XXXX advising that I had submitted an application for a credit card. I called XXXX XXXX and they confirmed that there was a fraudulent attempt to obtain a credit card. I tried to freeze my account on Experian, and the automated telephone system did not allow me to speak to an agent. I followed the automated messages and went to the website, but I was unable to create an Experian account because Experian apparently has granted access to my information to a fraudster. I entered my social security and date of birth, and the Experian website advised that I already had an account XXXX. I have never had a XXXX account. Experian will not help me in shutting down this person 's unauthorized access to my sensitive, personal information. 

Thank you for your time.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Below I have provided in great detail what has occurred between Bank Of America and myself and at the bottom of my letter I have included all the fraud charges made on my account. 

On XX/XX/XXXX, 4 transactions were made on my bank of America credit card fraudulently. Please see the end of this letter for transaction details. The last time I used this credit card was on XX/XX/XXXX, for the amount of {$37.00}. I logged into my app on XX/XX/XXXX, to pay for the purchase I made of {$37.00} and noticed the fraud that had been done on my account. 
I first went to look for my credit card and once I couldn't find it I immediately called the bank. 
I was assisted by a fraud rep name XXXX who was very rude and did not enter my claim properly. I had let the rep know that my credit card was stolen and used. She did not put all the purchases that were made on the claim and even added the purchase I made of {$37.00} on the claim. We had gone over each transaction in great detail so I am unsure how this happened. My claim was denied on XX/XX/XXXX and the bank had come to this conclusion due to my credit card chip being used to pay for all of these transactions. I was completely taken aback because everywhere you go shopping nowadays has the " TAP TO PAY '' feature and whenever I have used that feature they cashier has never asked me for my ID or to provide any information that the card I am using for tap and pay belongs to me or not. I then asked bank of America to reopen my claim and investigate further because these charges were 100 % fraud. On XX/XX/XXXX my claim yet again was denied for the same reason and was advised to make a police report which I did, I also provided the bank with the police number. I reopened my claim yet again and waited. On XX/XX/XXXX after 6 months of trying to have this resolved my claim was denied and closed for the same reasons I stated above. When I asked the rep to reopen it she let me know that they can not reopen my claim since they had already done so 3 total times and for me to contact the stores directly for any further assistance with this fraud claim. I called all stores and was given no help and or told that I would have to contact my bank. I asked each store if they could provide me with the security footage from the time of the purchases but each store denied my request. 

XX/XX/XXXXXXXX XXXX XXXX XXXX CA {$71.00} XX/XX/XXXX XXXX XXXX XXXX CA {$150.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA {$350.00} TOTAL PURCHASES {$580.00}

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 explanation
Consumer complaint received 2023-03-30 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: WA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
I did not ask set up escrow account when I got mortgage loan from HOMEPOINT. I had paid only premium and interest, which was {$1400.00} every month since XXXX XXXX until I got a letter from XXXX ( new mortgage company ) in XXXX. It was said I had {$2100.00} dues in the escrow account and I had to pay. I tried to contact with HOMEPOINT, but they refused to give me record about escrow account payment. I pay {$1600.00} ( {$180.00} extra ) instead of XXXX every month ( for 12 months ) to avoid impacting the credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/XXXX was last time XXXX was XXXX by XXXX through reoccurring electronic billing. ( Have confirmation number as always. ) XX/XX/XXXX payment not paid even though I had confirmation # XXXX. XXXX told me to call back in 3 days. Still not pd they had no reason why it wasn't paid, they told me to call XXXX which I did, they said there was no payment made. So on XX/XX/XXXX I reset the payments for a reoccurring payment of {$60.00} a month confirmation # XXXX. Was NOT paid again. I called XXXX back and they said nothing and had no reason for it not to be paid, call XXXX. I have been accumulating late fees of $ XXXX plus ruined credit because they will not pay the payments. I am a XXXX senior citizen with vision issues I can't deal with this anymore. The bank has an obligation to pay my bills as I instructed them to do so electronically. I have confirmation numbers and have filed XXXX complaints with no resolution. I have no recourse and no way to pay all the late fees. I did my due diligence, why won't they do theirs? I am desperate and now I owe {$210.00} in back payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX {$300.00} XXXX XXXX XXXX {$8400.00} XXXX, TRANSUNION, AND XXXX ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION.

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 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Ive recently filed an complaint that was close. Which I feel it shouldnt have been. They appeared to have satisfied your requirements but not to me. I am still not convinced or have proper documents that I am required to owe any debt to the alleged current owner. I have no documentation that Resurgent is people Im to answer to due to the fact LVNV is listed as the current owner. Not Resurgent. I have yet to receive communication between the original creditor XXXX and LVNV as far as a signed documents between he two authorizing them to collect or documentation of them buying this debt let alone it being turned over to Resurgent. Also According to Resurgent they were authorized to collect on this as of Effective XX/XX/2021 ; as of this time LVNV Funding placed this account with them. How is this so when I have a document dated XX/XX/2021 saying this account was in hands of XXXX XXXX XXXX. There for it was supposedly in someones elses possession at time Resurgent is claiming possession. Therefore additional information is required bill of sale, receipt of sale. Signed documentation between original creditor and Resurgent stating that they are required to collect. On this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
XX/XX/2023 between XXXX XXXX to XXXX XXXX arizona time we talked over the phone during this conversation I was lead to belive we had a settlement agreement. This was not the case my credit report instead shows only a change in the amount owed reaching out to XXXX XXXX the debt collector was of no help as he stated that he would send over a copy of the settlement agreement but I instead received a summary of owed charges via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions on the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : 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 2023-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the company listed has violated my federally protected consumer rights to privacy. 

XXXX XXXX, XX/XX/2022.

Company response to consumer: Closed with explanation