vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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: NY

Complaint narrative:
I sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. After failing to send my investigaion 30 days after recieving my dispute letter, they sent back the investigation results almost XXXX months later. The information on my credit was concluded as accurate. I then received transaction history report from XXXX XXXX XXXX XXXX and realized that there were inaccurate information on the document. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer a reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
Fay Servicing keeps sending me bills for a mortgage I have never had with them before, the only mortgage I have ever had is with my current lender XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-24 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: GA

Complaint narrative:
For company to do what fair equitable to me by consumer by deleting the items identified as identified theft from my consumer reports

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 2023-07-24 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: FL

Complaint narrative:
My rights are really being violated. I disputed a collection acount on my report about its inaccuracy and Experian claim its accurate. I sent them proof of the bill and they have failed to properly investigate. The FCRA says my report must be 100 % accurate. XXXX XXXX has removed the account from my report after their investigation. I thought the credit agencies had the same laws and rules.

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 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
Have tried many times to get XXXX to stop billing me for device/services not provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an offer from Citi bank to open a checking account with them and I would receive XXXX bonus miles if completed within 90 days. I opened my checking account on XX/XX/2023 and completed all the requirements to receive the highest amount of XXXX miles within 30 days after opening. To this date I have yet to receive anything into my XXXX XXXX XXXX account XXXX have attached screen shots of the offer to confirm.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I closed my safe deposit box on XX/XX/2023. Went into the branch, signed paperwork and gave them the two keys I had. They gave me a {$25.00} credit on my account for the keys. Annual renewal was XX/XX/2023. They gave me no paperwork and no receipt. I had to take off work to do this. 

On XX/XX/2023, Fifth Third charged my account for the safe deposit box for another year in the amount of {$86.00}. I called Fifth Third customer service, they could not help me, told me to call the branch. I called the Fifth Third branch, no answer and no voice mail to leave a message. This was XXXX XXXX today. 

I can not take off work again to go to the branch to ask about something that should have already been handled a month ago. Please ask them to refund the {$86.00} immediately. I am trying to close out all my accounts at Fifth Third, but they are making it impossible for me to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
On XX/XX/XXXX I received information from my childrens mother that someone from the XXXX XXXX XXXX was trying to use my credit report against her. No one had my consent to pull my credit report. My Equifax and XXXX are being used against her, and we are not married, nor do I reside in her home.I am not on her lease and feel like this was illegally done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
i woke up XXXX morning and saw my credit drop so i check and see a random collection for XXXX $ to XXXX XXXX. i dont even pay rent or anything like that so i was confused. i USE to live at XXXX XXXX XXXX 3 years ago. i have proof i HAVENT lived there no time recently and whoever does was using my name for fraud and let the debt collect.. i have put doccuments below to show that i havent been associated with that address for a long time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Phone conversation explaining this is a fraudulent account and cancelling it. Again, multiple phone conversations with TDRCS, XXXX XXXX, XXXX XXXX, XX/XX/, fraud acct opened and requesting fraud affidavit to be sent via e-mail and /or US postal service it was never received. XXXX XXXX Further conversations again after receiving letter attempting debt collection. Another fraud account opened. 
Fraud alert on my bank, XXXX, XXXX and security freeze with XXXX Have never received a bill, or credit card statement with purchase information and charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I made a large payment, my XXXX payment to my new credit card. My balance was {$2000.00} ( over the limit by {$21.00} ) So I made a payment of {$1000.00} via the app using my checking account info saved on file. The payment was applied to my account, the balance on my credit card reflected the payment, funds were taken from my bank account and cleared. Yet, the company says there is a 14 day hold on the payment and I can't use my card. There is nothing in the XXXX XXXX XXXX about the 14 day hold or how payments are applied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My loan with Bank of American was in forbearance due to Covid. I didn't pay 4 months due to my loss of income during covid. I resumed paying the monthly dues after 4 mos but the 4 months behind I wasn't able to pay. BofA charged me fees ( miscellaneous ) for a total of {$560.00}. When I called them what those charges are for they told me it's for " they pay somebody every month to come & pass by the house to check if I'm living in the house ''. This was just so ridiculous. I can't believe. I asked their Customer Service if they do that to everybody who are in forbearance, she said " yes ''. My heloc is XXXX XXXXXXXX. The value of the property is {$1.00} XXXX. I live in XXXX XXXX XXXX. After forbearance period in XXXX I called them & asked if they can do something for me ( as what their website says ) for the forbearance amount like put back at the end of the loan or loan modification. They told me my loan was not set up that way!!! I didn't have any choice but to pay off the forbearance amount. 
Is it ethical to charge their customer this kind of fees during hardship? 

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 2023-07-24 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX Account number 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 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 2023-07-24 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX Account number 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
I was scammed out of some money for two vehicles. Once I realized it was a scammed, I then called Chime to report it. They said it was nothing they can do. I then called to dispute with unauthorized payment. They denied the disputes. 
There are 2 {$450.00} payments, 2 {$100.00} payments and 2 {$600.00} payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
I disputed sum items that I proved was fraudulent and the credit bureau removed the items and put them back on my report after 30 days. My rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Mortgage balance discrepancy with Chase prior to loan being transferred. Requesting copies of monthly statement or detailed payment history from XXXX thru XXXX. Payment history to include : -beginning monthly balance -escrow balance -payment & interest -escrow balance YTD paid -interest paid -taxes paid -principal paid -insurance paid -PMI/MIP paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been calling Equifax since the week of XX/XX/2023. I was told that they needed additional documents but would not give me the exact reasoning for why the additional documents were needed, but since I was applying for an apartment and the apartment complex could not access my credit due to this particular credit bureau, I sent it in. I sent the paperwork on XX/XX/2023, and it was delivered XX/XX/2023. I called a week later and was told that they still had not received the documents and was not able to further proceed. I was told that I did not have a credit report attached to my file and there was some incorrect information in my part. I was also told if it needed to be escalated to an investigation it would take 30 calendar days to complete, so they told me to call back in a couple weeks. So fast forward to today, after sending in all the supporting documents to the po box the associate told me back in XXXX, they are still telling me that they have not received it. They asked me what po box it was sent to and since its been a month ago now, the tracking number that I have is not showing me the exact P.o. number, but I can guarantee that it was sent to an Equifax po box in XXXX XXXX The associate I talked to today told me that the information the last associate provided may not have been the right po box and I would have to send in even more supporting documents, which is almost impossible because I dont have access to a printer, so while I was trying to locate the exact po box that the documents were sent to, the associate disconnected the line, which is very unprofessional. I have no idea what to do in this case and its been making it very difficult to apply for apartments in this case. I am having extreme difficulty even though I have literally done everything on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Self Financial Inc.
State: GA

Complaint narrative:
self/lead bank balance owed XXXX ( XXXX XXXX XXXX  ) I have call numerous times and sent them letters notarized, police reports yet they still fail to remove this fraudulent account from my credit report. 


15 U.S. Code 41 - Unfair methods of competition ; prevention by Commission This section empowers the Federal Trade Commission ( FTC ) to prevent unfair methods of competition and deceptive acts or practices affecting commerce. It covers various consumer protection aspects, including false advertising, deceptive marketing, and other unfair business practices. 


15 us code 1681a ( 2 ) ( A ) ( i ) 15 us code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumers reports no consent I fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-24 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: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There is in excess of 10 inquiries on my credit report which I did not authorize all in the same time period. I tried to resolve it with a credit bureau XXXX and I was told within 24 hours that the inquiries were all valid and would stay on my report for 2 years. There are no loans or credit lines in any of these places that have inquiries. It is impossible that i authorized this and it seems to be illegal to tell me within 24 hours without proper investigation that they are valid. The false inquiries are as follows : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Open Dealer Exchange, LLC
State: NY

Complaint narrative:
There is in excess of 10 inquiries on my credit report which I did not authorize all in the same time period. I tried to resolve it with a credit bureau XXXX and I was told within 24 hours that the inquiries were all valid and would stay on my report for 2 years. There are no loans or credit lines in any of these places that have inquiries. It is impossible that i authorized this and it seems to be illegal to tell me within 24 hours without proper investigation that they are valid. The false inquiries are as follows : 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 response to consumer: Closed with explanation