vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Equifax Credit Bureau have failed to properly invesitage the disputed erroneous account that have been reporting on my Credit File. The Equifax Credit Bureau is reporting a different information from other bureaus. The account XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, 2020 and a Balance {$22000.00} was never late and I always make my payments on time. This account is only reporting as late in your bureau. If Equifax 's record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX - Car broken in and wallet stolen around XXXX, call bank cancel all credits and frozen all accounts - Police report case # XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Went to the bank close all accounts, open all NEW XX/XX/XXXX - $ withdraw from XXXX kids saving accounts, XXXX + XXXX = XXXX XX/XX/XXXX Went to the bank to open claim for checking account, XXXX XX/XX/XXXX Mailed theft forms to chase fraud department ( 1st ) XXXXXX/XX/XXXX Went to the bank and fax forms again ( 2nd ) XXXX Went to the bank and fax forms again ( 3rd ) - Chase fraud stating 15 days to investigate XX/XX/XXXX Went to bank and fax forms again ( 4th ) XXXX Went to bank open claims 2 more account - Empty Moms account - {$1500.00} - Saving XXXX + XXXX = XXXX - Fax forms again ( 5th ) close all accounts XXXX - Went to the bank and fax forms again ( 6th ) XX/XX/XXXX Went to the bank fax forms again ( 7th ) XXXX XXXX different accounts ( checking/savings ) over $ XXXX *** how can this happen when i closed all the accounts and new accounts was withdrawed from???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
Santander Consumer USA has been using unfair and deceptive acts. 16 CFR 433.2 15USC 1692 I requested a validation of debts on XX/XX/XXXX from Santander and they did not answer any of the questions, the letter Santander sent back was not signed by any assignee or agent. It was also said that the debt is verified. But by whom? Along with a right to repossess. They did not disclose that I had a right to rescind. They did not notify me of my rights. They did not disclose. They have violated my consumer rights. I obtained this to use essentially for my household and family. 
They are also reporting that this vehicle was paid off due to a natural disaster in XXXX. My payments that I have made have not been applied to the vehicle loan. So I disputed it and now they are threatening me with repossession. This is a fraudulent contract. 16CFR433.2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX my account with cash app was charged a dollar by a company called XXXX then the canceled it then on XX/XX/XXXX XXXX made XXXX fraudulent charges to my account total approximately XXXX, XXXX charges of XXXX two charges of XXXX two charges of XXXX one charge of XXXX and one charge of XXXX starting with first charge at XXXX and the XXXX charge ending at XXXXXXXX. When I started this dispute with these charges the website would not email the appropriate steps/forms to take cause they never got to me that was told would help me start the process, never arrived. The phone number they gave me from a automated online chat would go to a voice message that they were inundated with calls and to use the online chat to get to a agent virtually and then hangs up on you. I was finally able to get the needed item sent to me using a different email. So they put these disputes in review. They were supposed to touch base with me and I never received a call or email telling me what's up till I kept trying to contact them through the chat portal and finally got thru and they told me my items were in review. I don't know exactly when the gave me the refund since on the platform it doesn't give me this and one of the XXXX charges is still not refunded to me do to it still being in review. Ever since that day I have sites trying to hit my account for money. They then proceed to deactivate my card due to high dispute rate and say they can't give me any further information?!! I was just disputing fraudulent charges from a dishonest site and the lock my card?! I've never gone over my funds or had any other problems till that day. I've continued to try contacting them but all they say is that the card is deactivated and can not be changed at this time. I've tried calling multiple times to be hung up on. And it seems they care more about the vendor than the consumer. And when your on the chat portal it's always an initial automated response say they had to forward to a customer support agent and it may take several hours. Then once they respond the answer are very vague and give you no other help. I'm just trying to get all my money back as I am XXXX  and on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please update or correct the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: PA

Complaint narrative:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please update or correct the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$0.00}

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 2022-09-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  the following accounts XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) # XXXX, XXXX XXXX XXXX XXXX, XXXX  # 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 2022-09-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  the following accounts XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: CA

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

I acknowledge your immediate attention to this matter and response within 4 business days. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.

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 2022-09-20 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
XXXX XXXX I received a credit alert about a collection account that I never received a call, letter in mail or email about this debt from 2017 until reported on credit report. This company is not compliant with the laws on contacting consumer of debt. The company failed to send a written debt validation notice including the amount of the debt, name of the creditor, and a notice of my/consumers right to dispute the debt within 30 days. 
I was told they didnt have to send letter. 
I have contacted the company with payment info and also made a complaint to them on their unfairness practice but I have not received any response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CountryPlace Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/2020 I walked in to XXXX XXXX XXXX weeks XXXX and I dont even know what I paid for any of it and I just got over loaded with documents to sign and so confused by all the information I reviewed over the last 11 months trying to figure out what Country place did to me. I could be suffering terrible from XXXX XXXX since for the last two years it has been XXXX my family and I. XXXX XXXX XXXX County place failed to disclose all of this and a survey of its aerial view of the XXXX XXXXXXXX pond that is just raining down on my family and I. 

I cant just sell my house because That means someone else would suffer the same fate. I dont even know what the result of damages this stuff does to you. Weve been bleached, termite treated and XXXX ponded all over by Countryplace mortgage Man I wouldnt have bought this house if I would have known about the huge XXXX pond over spray were getting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: CA

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

I acknowledge your immediate attention to this matter and response within 4 business days. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.

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 2022-09-20 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: CA

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

I acknowledge your immediate attention to this matter and response within 4 business days. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: Possible Financial Inc
State: TX

Complaint narrative:
I am a victim of identity theft

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: GA

Complaint narrative:
This is ridiculous! The Credit Reporting Agencies have failed to properly conduct an investigation in order to have the disputed fraudulent accounts and information that are reporting on my Credit File. This CFPB complaint is already my 10th CFPB complaint requesting the same request over and over again, and yet they are still indicating the dispute accounts and information. Under the fair Credit Reporting Act section 605b, the Credit reporting agencies are required to remove the disputed accounts and information that resulted due to identity theft. However, the Credit Bureaus have claimed that the disputed items were verified without sending me copies of proof of verification or any documents bearing my signature. This action of the Credit Bureaus is a clear violation of a consumer 's rights which protected by the Fair Credit Reporting Act. I previously contacted the Data Furnishers and they verified that the disputed items are reporting erroneous information in some way or another. I am now submitting this CFPB Complaint to request that the Credit reporting agencies completely remove the disputed accoutns and information from my Credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$130.00} XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$190.00XXXX XXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$4000.00} XXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$3700.00} XXXX XXXX XXXX  XXX Opened XXXX XXXX, XXXX Balance {$320.00} XXXX Inquiry Date XXXX. XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: TN

Complaint narrative:
On XX/XX/22 I filed a complaint against Frost Arnett, complaint ID # XXXX. 
Frost Arnett replied, stating they would submit an itemized bill and remove the collection from my credit reports. 

I just received the itemized bill this past Saturday, XX/XX/22 ( although the letter and bill are dated XX/XX/22 and XX/XX/22 ). Please see attached. I thought I had 60 days to reply and was waiting on the requested documentation to appropriately reply, but the case was closed without being successfully resolved. 

You will find the attached itemized bill reflects {$580.00} owed, {$110.00} in payments made, {$460.00} in adjustments, and a {$0.00} balance. 

I called Frost Arnett today, XX/XX/22, at XXXXXXXX XXXX. and spoke to XXXX, asking her to review the bill and {$0.00} balance. She told me she could not see the bill and that another department could assist, but never transferred me to someone who could assist, and ended the call by telling me to call XXXX XXXX. Did Frost Arnett not save the medical bill in my Frost Arnett file for follow-up?

So, here I am again with Frost Arnett refusing to work with me and now having a {$0.00} balance. From very many online reviews there appears to be a pattern of miscommunication and a consistent lack of professional courtesy from Frost Arnett for those consumers who are attempting to work with Frost Arnett 's debt collection practices. Due to this as well as the multiple comments from consumers regarding debt collection being executed against them by Frost Arnett for medical bills that they did not owe, I am apprehensive to pay this bill without proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TX

Complaint narrative:
I am a true, and live human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rightsnumerous of times. I demand the accounts listed below be removed because, According to 15 USC 1681. I have the right to privacy and i did not give Equifax written consent or permission to furnish these accounts. 

XXXX XXXX XXXX, XXXX account number- # # # # # # XXXX XXXX XXXX account number- # # # # # # XXXX XXXX XXXX  account number- # # # # # # XXXX XXXX XXXX XXXX account number - xxxxxxxxxxxx XXXX XXXX XXXX XXXX account number - xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX  account number - xxxxxxxxxxxx XXXXXXXX XXXX XXXX account number - xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX account number - xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation