vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent off letters to Equifax, XXXX, and XXXX to remove inaccurate personal information that doesn't belong on my credit report. FCRA 15 U.S.C. 1681 states I have the right to privacy, accuracy, and fairness. Also, 15 U.S.C. 6802 states that a financial institution may not share my information to third party people. These are clear violations of my federally protected consumer rights. 

Below are my tracking numbers as well as the inaccurate names, addresses and employers information on my report. Please see the correct current name, addresses that are to be reported. 


Tracking Number XXXX Tracking Number XXXX Tracking Number XXXX Correct spelling of my name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX. XXXX, TX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX  Incorrect XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Incorrect Employers : XXXX XXXX XXXX and XXXX XXXX  XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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 2022-08-18 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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 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 2022-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
My loan was one of the loans mandated by CFPB in 2014 to be refinanced or modified by XXXX XXXX in the {$60.00} billion payout to the bank. In 2016, I received a notification from XXXX stating that I have been approved for a loan modification with principal reduction ( New principal {$350000.00} and 3.5 % interest rate ). I was told that the modification was subject to a third party ( Investor ) approval. The third party was XXXXXXXX XXXX  XXXX. However, instead of going through with the modification, I was informed that the loan was being transferred to Select Portfolio Servicing XXXX XXXX ( SPS ). Initially, SPS informed me that they are going to give me exactly what XXXX had proposed to me. However, they never did. Instead they raised the principal balance to {$770000.00} and the interest rate at 6.8 %. They inflated the appraisal by 30 % within one month and engaged the same law firm as their foreclosure company, real estate company and appraisal company. They gave the new principal at {$770000.00} for a property that appraised for {$440000.00} and when I refused to accept their offer, they commenced a foreclosure proceedings. They are colluding with several people in order to take my home through foreclosure. They have two appraisals within one month from {$440000.00} and the second one {$590000.00}. They did not disclosed or copy me the appraisal. They attempted to lured me to do a short sale through their own real estate company and they already had a straw buyer. They are fixated on taking my property by all means necessary. My previous reference number with your agency was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: MD

Complaint narrative:
I received an email receipt notifying me that a charge of {$970.00} was made on my Back of American credit card and a new account was create at some XXXX XXXX company. The date of this email was XX/XX/2021. I immediately call Bank of America to cancel my credit card and report the fraud. I also called the XXXX company using the phone number in their receipt email and told them it was fraud and to cancel the account. Both the Bank of America and the XXXX company were call XXXX. At then end of my credit card back statement cycle, I saw the bank had taken the money out of my account and paid XXXX. This occurred at the beginning of XXXX. I called the Bank of America back and see why they paid the merchant and was told the fraud report was still under investigation and that within another 30 days it should be resolved and my money put back into my account. I have been calling the bank now for several weeks to get a resolution but they kept telling me that there is no fraud claim even when I give them the claim number. The money was never put back in my Bank of America credit card account even though It should have never been paid in the first place. The bank has offered no resolution or even acknowledged the fact that I submitted a claim. I can still see the claim in the Bank of America app and its in an investigation status. Since the Bank keeps telling me that they dont see a claim and I have to open a new one if I want to report fraud, I am look for help from someone to get my money back and report the terrible customer service I experienced at the Bank of America XXXX Thank you!

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
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
In XX/XX/2022 I called One Main Financial. I stated to them I was at a place to pay off the debt I owed in the amount of {$7700.00}. A lady name XXXX ( ID # XXXX ) told me that the debt was sold to XXXX XXXX XXXX and that One Main Finanical did not have my vehicle title. I called XXXX XXXX XXXX and they asked me did I want to pay the debt. I told them before I paid the debt back that I needed to see verification/validation of the debt and my vehicles title before I paid. XXXX XXXX XXXX is saying they don't have my title that the original creditor does and One Main Financial is saying the collection agency XXXX XXXX XXXX. This has been a merry-go-round for the past month. No one can answer questions, no one can provide proper documentation. I went to the XXXX and a paper showed me that One Main Financial was technically still the lien holder. I really need your help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This complaint is about the credit card company named XXXX XXXX XXXX. It is a XXXX card associated with XXXX. I pd the balance off in XXXX. I filed XXXX XXXX bankruptcy a month later but not on this account. After I checked my credit report some months later, I found out that they closed this account and stated on my credit report that the status was closed on the account because of XXXX  XXXX bankruptcy. When I called the company to find out why they did this, they said it was their policy to list it on the report even though I DID NOT file it with their company. They refused to change the status and when I disputed it with the credit bureaus, they still have not changed this. I am still in a dispute.

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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This complaint is about the credit card company named XXXX XXXX XXXX. It is a XXXX card associated with XXXX. I pd the balance off in XXXX. I filed XXXX XXXX bankruptcy a month later but not on this account. After I checked my credit report some months later, I found out that they closed this account and stated on my credit report that the status was closed on the account because of XXXX  XXXX bankruptcy. When I called the company to find out why they did this, they said it was their policy to list it on the report even though I DID NOT file it with their company. They refused to change the status and when I disputed it with the credit bureaus, they still have not changed this. I am still in a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
While checking my credit report, I notice an account from Regions Bank that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter, using the address located on XXXX XXXX ( See Attached ) informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). That letter was return to the sender as being an incorrect address. ( See Attached ) They are reporting an incorrect address on XXXX XXXXXXXX which is making it more difficult for me to communicate with them. I am asking you to look into this, to see why Regions Bank is reporting this incorrect mailing address.

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 2022-08-18 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: GA

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

15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states that 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 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent letters out to the three credit reporting bureaus on dates XX/XX/2022, XX/XX/2022, and XX/XX/2022 regarding the verification on the accounts that are reporting negatively on my credit report. To this date I have not received the documents that I requested via mail that were used to verify the account. After various letters, the credit bureaus refuse to remove or correct this inaccurate information on my credit report. Here are a few items I attempted to correct with the credit bureaus but have not been resolved. 

XXXX XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : This account is not reporting correctly across all three bureaus. The account status is showing two separate statuses. The date that the account was opened is also showing inaccuracies. The high credit balance is showing different. The credit limit on the account is inaccurate. The payment status is not reflecting the same across the bureaus. 

XXXXXXXX XXXX : This account is not reporting correctly according to the FCRA. The date the account was opened is incorrect. The high credit balance is showing differently across all three bureaus. The date of last payment is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date on the account was opened is incorrect. 

XXXX XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. 

XXXX XXXX : This account is not reporting accurately according to the FCRA. The date that this account was opened is incorrect. The balance of the account is incorrect across all three bureaus. 

XXXX  XXXX : This account is not reporting accurately. The date opened is incorrect across the bureaus. The balance on the account is reporting incorrectly. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. The balance of the account is incorrect.

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 2022-08-18 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: MS

Complaint narrative:
I have sent letters out to the three credit reporting bureaus on dates XX/XX/2022, XX/XX/2022, and XX/XX/2022 regarding the verification on the accounts that are reporting negatively on my credit report. To this date I have not received the documents that I requested via mail that were used to verify the account. After various letters, the credit bureaus refuse to remove or correct this inaccurate information on my credit report. Here are a few items I attempted to correct with the credit bureaus but have not been resolved. 

XXXXXXXX XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : This account is not reporting correctly across all three bureaus. The account status is showing two separate statuses. The date that the account was opened is also showing inaccuracies. The high credit balance is showing different. The credit limit on the account is inaccurate. The payment status is not reflecting the same across the bureaus. 

XXXXXXXX XXXX : This account is not reporting correctly according to the FCRA. The date the account was opened is incorrect. The high credit balance is showing differently across all three bureaus. The date of last payment is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date on the account was opened is incorrect. 

XXXX XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. 

XXXX XXXX : This account is not reporting accurately according to the FCRA. The date that this account was opened is incorrect. The balance of the account is incorrect across all three bureaus. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect across the bureaus. The balance on the account is reporting incorrectly. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. The balance of the account is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
New and Updated Information Regarding Complaint # XXXX On XX/XX/22 American Express responded to my complaint and stated that they are following the law and not meet my demands. I am providing factual proof and federal law that American Express violated my consumer rights and must be held liable for their deceptive practices. They are in violation of the following federal laws and appropriate action must be taken on there end to resolve this matter. Please see the attached documents in this complaint to ensure that they are in compliance. 

Violations Committed 15 USC 1681 ( a ) ( 4 ) - accuracy and fairness of credit reporting - consumers right to privacy 15 USC 1681a ( 2 ) ( i ) consumer reports do not contain certain information 17 CFR 160.10 - limit on disclosure of nonpublic personal information to nonaffiliated third parties 15 USC 1681n - civil liability for willful noncompliance 15 USC 1681b - permissible purposes of consumer reports 15 USC 1681c - requirements relating to information contained in consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
IN RESONSES TO CFPB : XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXL XXXX XXXX  XXXX : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXXXXXX 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 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Opened a New Account with M & T on XXXX XXXX. 
Transfered money from my other Bank Accounts on XXXX & XX/XX/2022 for a total of $ 5K. 

M & T placed restrictions on my account to use this money & not letting me Transfer this money. I Called Customer Service to remove the restrictions or close my account and refund my money back to the source accounts. 

They are not doing either, please help me in getthing the account closed get my money refunded.

Company response to consumer: Closed with explanation