vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions Bank filed a lien on my property at XXXX XXXX XXXX Tennessee XXXX on XX/XX/2007. I recently contacted XXXX XXXX XXXX at phone # XXXX, ( XXXX ). I have contacted several regions associates and every XXXX keep passing me to someone else ( from XXXX branch to another branch ) but getting no results. The address to Regions Bank that has filed the lien on my property is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX. I find this debt to be invalid and possibly fraudulent. Thank you for investigating this matter.

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 2023-02-25 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : 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 2023-02-25 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: TX

Complaint narrative:
XX/XX/2023 Transunion XXXX XXXX XXXX XXXX , PA  XXXX. 

FAILURE TO NOTIFY CONSUMER WITHIN 5 BUSINESS DAYS AFTER REINSERTION OF PREVIOUSLY DELETED LATE PAYMENT. 

RE : XXXX XXXX ACCOUNT # XXXX During a review of my Transunion consumer report, I noticed that your company reinserted previously deleted late payment in my XXXX XXXX account XXXX XXXX on XX/XX/2023, without notifying me of the reinsertion within 5 business days after the reinsertion as required by the law. 

According to 15 U.S. 1681XXXX  - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( XXXX ) NOTICE TO CONSUMER If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing NOT LATER THAN 5 BUSINESS DAYS after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( XXXX ) ADDITIONAL INFORMATION As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( XXXX ) a statement that the disputed information has been reinserted ; ( XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( XXXX ) a notice that the consumer has the right to add a statement to the consumers file. 

Based on the above violations by your company, I demand the Late payment notice in my XXXX XXXX account # XXXX be deleted and account updated as CURRENT, PAID AS AGREED.

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 2023-02-25 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: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/2023 I received an email from XXXX XXXX notifying me about a new hard inquiry. The inquiry was from US Bank and I did not authorized this. Someone is using my social security number and this person is trying to open credit cards. I called the bank but it was too late to speak with the right department ( I called after XXXX ). However, the bank representative provided me with the right department phone number. I am going to call them on Monday since they are close over the weekend. This situation has put me in high alert since someone had try to open a credit card account with another bank ( XXXX ). I have put an alert on my XXXX account and I filled a report on 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 non-monetary relief
Consumer complaint received 2023-02-25 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:
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 XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX DEPARTMENT OF EDUCATION XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXXXXXX XXXX XXXX. Account name : 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 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 2023-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX OF XXXX XXXX XXXX Owed : {$3500.00} ; XXXX BANK XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.

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 2023-02-25 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: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX BANK XXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX CARD XXXX Balance Owed : {$15000.00} ; XXXX OF XXXX XXXX XXXX Owed : {$3500.00} ; XXXX BANK XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I lost my physical credit card on XX/XX/XXXX. 
Since that time my card was used on several purchases I did not authorize ( see attached ). 
Not only were these transactions large, and placed after I lost my card, but they incurred cash advance fees which themselves are problematic because XXXX ) the transaction generally are not cash advances and XXXX ) interest and fees have accurred. 

I reported this activity to the bank when I noticed this on my statement first on XX/XX/XXXX. I locked the account. 
To my surprise, I never was issued a provisional credit and nothing was done, and my account was unlocked without my consent. So on XX/XX/XXXX I again reported the transactions and locked my account. Again, no credits were issued and I received no correspondence or updated. So on XX/XX/XXXX I again reported the transaction, locked the account, and again no update or credits were issued. 
On XX/XX/XXXX I called the company, I again reported the incidents, I was told a provisional credit would be issued in 24-48 hours. 

Then on XX/XX/XXXX I got a bill from the company which claimed my account was past due and showed the full balance along with additional accumulated interest and late fees. 
On XX/XX/XXXX I called, first I was told no provisional credits were issued because I did not make a minimum payment. However, I did not have to make a minimum payment because the amount of the provisional credit I should have received was larger than the entire balance since the fraud went on over multiple billing cycles, of which the prior one I paid. 

Thus, Barclays is not following the law, they are not issuing me provisional credits, they are telling me I do not qualify unless I make a minimum payment ( even though they owe me money as I already paid for one of these fraudulent transactions ). 
They continue to assess late fees and interest, and they have provided me with NO correspond or updates.

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 2023-02-25 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act .The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 


XXXX name : XXXX XXXX, account number XXXX XXXX account name : XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX name : XXXX XXXX, account XXXX XXXX name XXXX XXXX XXXX, account XXXX XXXX name XXXX, account number XXXX XXXX name dept of XXXX XXXX, account number XXXX, XXXX name dept of XXXX XXXX, account number XXXX XXXX name dept of XXXX XXXX, account number XXXX XXXX name dept of XXXX XXXX, account number XXXX XXXX name XXXX XXXX XXXX XXXX  account number XXXX XXXX name XXXX XXXX account number XXXX XXXX name XXXX XXXX XXXXount number XXXX XXXX name XXXX XXXX XXXX account number XXXX XXXX name XXXX XXXXXXXX XXXX XXXX, account number XXXX XXXX name XXXX bank XXXXXXXX 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 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had XXXX XXXX deposits going into my account and the money was not reflecting the amount that was going in and I was paying extra money to have it instant deposit but instead they were having my transactions pending instead of doing the instant deposit also they were holding my charge back. I saw it that the people put the money in my account that morning, look back at it later on and it was taken out and the bank told me that it was the company but the company said that they put the money in my account and also gave me a confirmation number, The bank kept lying to me only the story would change when I tell them I had proof and showed them that I have screenshots of how the money was deposited through online banking. Also my balance is not reflecting the correct amount. The money was deposited but the balance never changed. Spoke with a supervisor and received the same story.

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 2023-02-25 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: NY

Complaint narrative:
Each report on each credit report has been giving different information. Which is all inaccurate. And can not be verified but your company keep reporting that it is verified with wrong information. You Violated the United States Code Law ( FCRA 15 U.S Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FCDCPA 15 U.S Code 1692e. False or misleading representations ) FCRA 15 U.S Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute if the completeness or accuracy of any information furnished by any person to any consumer reporting agency I disputed to such person by a consumer, the person may not furnish the information to nay consumer reporting agency without notice that such information is disputed by consumer.

Under FCRA 15 U.S Code 16812-2 ( 3 ) you violated the law. I disputed these inaccurate items over 35days ago and you haven't notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not rotating it was disputed 15 U.U Code 1692e. False or misleading representation- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed

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 2023-02-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: NC

Complaint narrative:
On XX/XX/XXXX, I inquired about XXXX with XXXX XXXX XXXX XX/XX/XXXX AAG received the property title report with a lien on my property. I had no idea about this and my townhome is payed off. The person I was dealing with had left the company. No one for a while had contacted me. Then someone called me and asked if i still wanted to do the HECM. I said of course. I went through the leg work already. All of a sudden, the notary person came to my house and rushed me through all the tons of documents. Yes i signed them and got covid after that so did not double check everything within the 3 day period. They gave me the equity of XXXX. Then i find out they payed XXXX to macintosh law firm for the medical lien on my property. NOT one person discussed that with me and also the remaining equity went to a set aside XXXX. Also no one discussed that to me. The reason I got the XXXX  was to have help with retirement. I disputed the medical Judgement with AAG. A month later I got a letter saying I do not have a case. I also asked them to look at recordings from before on the fact that not one person discussed the medical judgement or the set aside.I would have never done the XXXX if I knew this. AAG said that recorded calls are unavailable.. They now have control of my property and they took my equity. I have nothing. How on earth can they even allow me to get a XXXX loan knowing I had a lien

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: NC

Complaint narrative:
I received a credit card without applying for one. I read that US Bank had just sent out cards. I received the card from US Bank. How did they get my soc. Sec. #? This is very upsetting. 
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 non-monetary relief
Consumer complaint received 2023-02-25 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have recently pulled my credit report and saw that there are items being reported that I am not aware of, below are the items appearing ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per 15 US Code 1666B this is clearly a billing error and needs to be updated on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have recently pulled my credit report and saw that there are items being reported that I am not aware of, below are the items appearing ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per 15 US Code 1666B this is clearly a billing error and needs to be updated on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian and XXXX says they have investigated and found whats on my credit report is accurate. however my name is wrong my employer is wrong and inquires are fraudulent i asked several time for the to send me proof that i gave these companies permission to pull my credit because i didnt

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 2023-02-25 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: FL

Complaint narrative:
Ive dispute inquiries that were made on my report fraudulent trying to obtain credit. Ive sent Equifax a update police report from two county where my personal information has been used. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation