vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit report and I noticed numerous inaccurate information on my credit report I noticed inaccurate unauthorized inquires and inaccurate accounts please see the attachments listed in this complaint

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 2023-06-05 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: TX

Complaint narrative:
in accordance with 15US. CODE 16821C-2, I wish to request deletion of wrong addresses on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX And under 15US. CODE 16821b, the address should be deleted immediately, this address is an act of identity theft, it should be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: TX

Complaint narrative:
in accordance with 15US. CODE 16821C-2, I wish to request deletion of wrong addresses on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX And under 15US. CODE 16821b, the address should be deleted immediately, this address is an act of identity theft, it should be deleted immediately.

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 2023-06-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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:
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. 

The letters are stated with items and issues. 

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 2023-06-05 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:
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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and 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 2023-06-05 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: MA

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. XXXX Account # XXXX or XXXX, has violated my rights : Original creditor : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account Without My Written Consent 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 2023-06-05 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:
1. I was trying to buy a home and realized that i had damages on my report. According to 15 U.S.C 1681 laws there should not be any damages on my credit report. its a defimation of my character. 

2. In 2021, I purchased a car and to my surprise I see several hard inquiries for the same loan and I never gave permission to this. The only company that had permission to pull my credit report was XXXX XXXX as they were financing my loan. The dealer finance department did not communicate this with me, and made several fraudulent puls on my account, They took advantage of the fact that this was my first time purchasing a car. I came in with a pre-approval offer from XXXX XXXX. I did not authorize XXXX XXXX  Inquiry : XXXX XXXX, 2021 ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked my familys first travel ever to XXXX ( XXXX ) through chase rewards on XX/XX/2023. Travel details XX/XX/XXXX XXXX  to XXXX to XXXX ; returning XX/XX/XXXX XXXX to XXXX to XXXX. On XX/XX/2023 we checked in and got our boarding pass for both flights and flew out of XXXX. At XXXX they did not let us board plane to XXXX due to husbands passport expires XX/XX/2023. I had to spend {$3000.00} to come back home next day, plus food and {$400.00} stay at yotel to get some rest. The stress and XXXX  toll that this took on my kids has no price. I trusted airport airline personnel and feel we were purposely admitted to board so they can make more money out of us. 

I feel I trusted my credit card with this important decision and they did not tell me either. No one wants to take responsibility for the extra money I had to spend due to this ordeal. Chase representative keeps telling me they understand but do they really? This is a one in a lifetime trip for a working family like mine n dont have the extra money to spend it unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a victim of identity theft I been trying for many months to resolve a few errors on my credit profile that is inaccurate. The accounts that have been challenging to resolve with XXXX, Equifax, and XXXX are XXXX, XXXX XXXX, XXXX XXXX and hard inquiries XXXX  ( listed twice ), XXXX XXXX, and XXXX XXXX. I've spoken with XXXX in regard to the hard inquires and attempted to have them removed within 3 consecutive months, but I'm being told they can not remove these hard inquires without a written letter from the companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of identity theft I been trying for many months to resolve a few errors on my credit profile that is inaccurate. The accounts that have been challenging to resolve with XXXX, XXXX, and Experian are XXXX, XXXX XXXX, XXXX XXXX and hard inquiries XXXX ( listed twice ), XXXX XXXX, and XXXX XXXX. I've spoken with XXXX in regard to the hard inquires and attempted to have them removed within 3 consecutive months, but I'm being told they can not remove these hard inquires without a written letter from the companies.

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 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
The reasoning for this letter is to dispute account " XXXX '' from the creditor " THE HUNTINGTON NATL BA '' on all three bureaus, XXXX, XXXX, XXXX and cease and desist from their program entirely. I've attempted to remove the collection with the company and they were unable to provide the validation of debt with my signature. 
In addition, the full account number does not report on my credit profile.This violates several codes under the FAIR DEBT COLLECTION ACT. This collection is inaccurate and is negatively impacting my credit profile, it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SD

Complaint narrative:
Debt Collector company Resurgent Capital Services, persists after being told that the account is satisfied. Resurgent Capital Services has no express consent or permissible purpose to contact me about any debt but still sends repeated correspondence constituting identity theft. The account in question is satisfied and has never been proven to be legitimate despite requests for verification/validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC
State: MI

Complaint narrative:
I lost my job and my family was Evicted from XXXX XXXX XXXX I forgot about credit card because of homelessness.Landlord Said my mail should be sent somewhere else I am in XXXX now seeking employment living I a shelter.I was and still unable to pay I think it said XXXX XXXX when I was employed I paid bit how can someone pay any bills with out and job or a home to live in?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX with XXXX miles for {$5900.00} went through Credit Acceptance to {$12000.00}, transmission was slipping, constantly complained, after the loss of a patient I was transporting, I VOLUNTARILY SURRENDERED the vehicle on XX/XX/XXXX. I called Credit Acceptance and cancelled the contract, I thought was cancelled, having to go to court for {$2000.00} deposit which the dealer is refusing. Credit Acceptance claims they couldn't contact dealer for months, then to find out they wouldn't repo the vehicle on XX/XX/XXXX, because it wasn't worth it. My credit score as well as my son 's has dropped horribly. I need this loan voided and our credit restored. The dealer, XXXX said I could return the vehicle but my credit would definitely be affected and I could forget about getting my deposit. I contacted him weekly to see when the vehicle could come in for a check and he kept stalling. XXXX XXXX XXXX, XXXX, NJ

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 2023-06-05 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: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I tried to resolve the complaint with Marcus by Golden Sachs itself before I submitted the complaint to CFPB. However, I did not receive Golden Sachs callback as its agent promised. This is the reason why I submitted the complaint to CFPB on XX/XX/XXXX. 

On XX/XX/XXXX XXXX  holiday, Golden Sachs called me back and disguised itself as it was addressing my CFPB complaint. 

According to my knowledge, they should respond to me through CFPB account. So I asked the agent what was my proposed solution. He just mentioned one of them, and told me that my request was denied. I questioned him what the other two proposed solutions I mentioned in CFPB complaints. He was unable to answer and transferred the conversation to his so-called supervisor. 

However, he recognized himself as the supervisor agent and his level is the highest level I could speak over phone. How can he transfer our conversation to his supervisor and have his supervisor talk with me? 

The processing way of Golden Sachs makes me feel they are trying every effort to fool customer and make customer accept their unreasonable solution. I have spoken to about 8 agents of Golden Sachs. Every time when the first agent can not solve my problem, the first one transferred the communication to the supervisor. Then the supervisor still had no authorization to solve the problem. The supervisor said a higher-level supervisor would call me back. But no one called me after their first-time promise. I called them again, they said they requested again. I confirmed and double check with the supervisor that I could speak to supervisors supervisor who have larger authorization during the callback. However, I received three callbacks but every time the three agents recognized themselves as the same level as the supervisor I talked to over the phone last time, no supervisors supervisor. 

Until last week, the agent disguised itself as responding to CFPB complaint, which made me frustrated and scared that Golden Sachs was such a big brand that they are lying all the time. 

I feel it is necessary to report their dishonest behaviors. Therefore I am writing to you, CFPB members, to ask you to investigate Golden Sachs to see if they disguise themselves as government agency to fool customers, as well as if they pretend to solve problems by just kick balls to other so-called supervisor agent, which is actually not a supervisor to defraud and play games with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
This is a followup to CFPB complaint XXXX TD Bank has not honored promises made in response to the above captioned case. 

No resolution has been reached concerning the modification, and I continue to receive inconsistent and erratic answers concerning my loan status depending on who I speak with. On XXXX, I called to request that TD Bank resume sending me normal monthly mortgage statements, an extremely basic and rudimentary request. 

Instead, I was told by one representative that a form bearing my signature was received on XX/XX/2023 ( well after the 30 day underwriting deadline promised by TD Bank in writing ), and would need an ADDITIONAL 30 days processing after that. The next person I spoke with told me that there was a notation on my account on XX/XX/2023, which indicated that the modification was rejected due to incorrect payment amount. No further explanation was offered. 

I am extremely disappointed at the fundamental failures of your company to perform basic promises made in writing to me and to the CFPB. For this reason, I have reopened the CFPB case to achieve resolution of the modification on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: MS

Complaint narrative:
I have two account that are not mine on my Experian ( XXXX XXXX XXXX and XXXX incorrect address ( XXXX XXXX XXXX XXXX, XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX this year I made a payment thru XXXX XXXX to my Insurance agent in the amount of XXXX Dollars. Agent is. XXXXXXXX XXXX XXXX located in XXXX NC. phone number is XXXX XXXX XXXX ask for XXXX. I received a call from agent they were cancelling my policy for non payment as of XX/XX/XXXX. I went tp bank and talked to agent of theirs. Wells Fargo. XXXX XXXX XXXX XXXX  SC. Wells Fargo claim number us XXXX phone number is. XXXX XXXX XXXX or XXXX XXXX XXXX money shows being deducted from my acct but XXXX XXXX XXXX has never received it. I had to pay an additional XXXX to keep my insurance. Somewhere someone is sitting on my XXXX and I want it back. Thank You.j

Company response to consumer: Closed with explanation