vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 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: OH

Complaint narrative:
ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT TYPE : XXXX DATE XXXX XXXX BALANCE XXXX ORIGINAL CREDITOR : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX Disputed this Account and the debt wasnt validated or corrected. I never gave them permission to furnish any information about any alleged transactions which is invasion of privacy pursuant to 15 usc 6802, Also I never received the reinvestigation details to confirm investigation. I never received any agreement with my signature saying I agree to this debt. And see 15 U.S. Code 1666b - Timing of payments which shows direct violations of my rights Also I am aware thats I am the consumer original creditor and my credit card ( social security card/certificate of indebtedness was used and Im aware that canceled debt would be reported on a Form 1099-C as it is considered income and might be taxable so how can it be a debt. See 15 usc1681EB where it prescribes maximum accuracy on consumer reports which is proof of violations. Their are laws which protect me the consumer and penalties for violations 42 U.S. Code 408 - Penalties which is another violation by falsely misleading and representing and attempting to assign collect or enforce an in fact frivolous fraudulent and false debt which is a obligation of the United States pursuant to 31 U.S. Code 3123 and also see 18 usc 8. Also article 1 section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility so what would be my options to repay this alleged debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT TYPE : XXXX DATE XXXX XXXX BALANCE XXXX ORIGINAL CREDITOR : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX I Disputed this Account and the debt wasnt validated or corrected. I never gave them permission to furnish any information about any alleged transactions which is invasion of privacy pursuant to 15 usc 6802, Also I never received the reinvestigation details to confirm investigation. I never received any agreement with my signature saying I agree to this debt. And see 15 U.S. Code 1666b - Timing of payments which shows direct violations of my rights Also I am aware thats I am the consumer original creditor and my credit card ( social security card/certificate of indebtedness was used and Im aware that canceled debt would be reported on a Form 1099-C as it is considered income and might be taxable so how can it be a debt. See 15 usc1681EB where it prescribes maximum accuracy on consumer reports which is proof of violations. Their are laws which protect me the consumer and penalties for violations 42 U.S. Code 408 - Penalties which is another violation by falsely misleading and representing and attempting to assign collect or enforce an in fact frivolous fraudulent and false debt which is a obligation of the United States pursuant to 31 U.S. Code 3123 and also see 18 usc 8. Also article 1 section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility so what would be my options to repay this alleged debt?

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 2022-11-30 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AR

Complaint narrative:
Today XX/XX/2022, I received in the mail an attempt to collect a debt from Radius Global Solutions LLC in the amount off {$540.00}. This letter is the first time I've ever heard of this debt. I never applied for this " XXXX XXXX XXXX " account and have no information as to where it came from. This is the 4th identity thief issue I've faced in a six-month span. XXXX others are currently being investigated and the first one was resolved holding me not accountable. I contacted Radius Global Solutions and talked with XXXX and she entered my complaint and said they would get back with me. The reference number on the account is XXXX. 
Thank you, 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 2022-11-30 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: FL

Complaint narrative:
Upon review of my consumer report I have found false and inaccurate information being reported. FCRA states that I have the right to have accurate information be reported and these items are not.

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 2022-11-30 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: FL

Complaint narrative:
I have attached XXXX letters with accounts reporting inaccuracies and an FTC report with collections and inquiries which are fraudulent. Please delete and update my personal information

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 2022-11-30 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: NC

Complaint narrative:
602-15 U.S.C. S1681 ( a ) ( 1 ) : States that the banking system is dependent upon the fairness and accuracy of credit reporting and that inaccurate credit reports directly impair the efficiency of the banking system.

616-15 U.S.C. S1681n ( a ) ( 1 ) ( A ) : States any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer .. and because of negligence of the consumer reporting agency i was denied mortgage and job opportunity and demand damages be awarded.

U.S.C. S1681s-2 ( A ) ( 1 ) States the consumer reporting agency is regulated to reporting accurate information and can not furnish information on a consumers report that they deem inaccurate.

604-15 U.S.C. S1681 ( A ) ( 2 ) Consumer reporting agency can not furnish an account without my written consent 602-15 U.S.C. S1681 ( A ) States consumer has the right to privacy which was not respected in transaction from said company.

611-15U.S.C. S1681 ( I ) ( 5 ) States if information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall delete said accounts. 

XXXX XXXX  of XXXX - XXXX Inaccurate Information [ XXXX ] XXXX  of XXXX - XXXX inaccurate information [ 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 2022-11-30 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/XXXX : Ordered an item from Amazon using Chase Amazon XXXX credit card, order # XXXX. Amount charged to card {$110.00}. 

XX/XX/XXXX : Amazon reported " delivered to a safe place ''. We could not find it ; none of our neighbors could find it. A day or XXXX later a refund was requested from Chase. The credit card was credited {$110.00} XX/XX/XXXX or XX/XX/XXXX : A neighbor brought the unopened package to our doorstep. 
XX/XX/XXXX or XX/XX/XXXX : I emailed Amazon and advised them that I had the package. I authorized them to charge my credit card {$110.00}. 

XX/XX/XXXX : For various reasons I decided to have the item returned. Amazon accepted my request. 
XX/XX/XXXX : I took the unopened package to XXXX XXXX Department XXXX. Please see attached confirmation from XXXX XXXX Department XXXX. 

I am attaching credit card transaction records, return approval etc... ( a total of XXXX pages which seem self explanatory ). 

Bottom Line as I see things : There were XXXX charges for {$110.00} and XXXX credit for {$110.00}. Amazon acknowledged return of the package. Chase has received all of the above information as has Amazon. I am owed {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: FL

Complaint narrative:
Upon review of my consumer report I have found false and inaccurate information being reported. FCRA states that I have the right to have accurate information be reported and these items are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: FL

Complaint narrative:
Upon review of my consumer report I have found false and inaccurate information being reported. FCRA states that I have the right to have accurate information be reported and these items are not.

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 2022-11-30 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: TN

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 XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Credit XXXX and XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXX ) and XXXX XXXX XXXX All of the proof of these accounts are provided in the attachments The following have 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 instructions15 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 2022-11-30 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: TN

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 XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Credit XXXX and XXXX XXXX XXXX XXXX Credit  XXXX XXXX XXXX ) and XXXX XXXX XXXX All of the proof of these accounts are provided in the attachments The following have 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 instructions15 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 explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
XXXX  XXXX bank card wont work and was flagged for fraud but all the transactions were legit. I spend 3 hours calling the bank and no one seems to know how XXXX  XXXX to get the card unflagged. I need the card to work if it is supposed to not keep wasting time calling XXXX XXXX XXXX after another.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
Received auto loan from Consumer Portfolio Services during bankruptcy. 
Made payments for several years via company website, with {$12.00} fees. Recently did some searching on the website and realized that there are no-fee options. ( Pay Near Me ). This information is not readily available on the website. Due to financial difficulties, I paid late, accumulating late fees. I was able to bring my account current this year, yet my monthly statements show Late/Service fees of {$7.00} and {$5.00} for the last XXXX months, respectively, with no explanation. Regular monthly payment plus fees does not match amounts due. I have consistently received phone calls and texts stating that my account is past due 1 day after due date, as well as past due texts after making payments on time. 
There is no indication of where my previous payments have been applied. I have paid more than monthly amount due, yet fees remain. 
There is a notice on my monthly statements that literally reads, " A fee of up to {$30.00} will be assessed on all '' What does that mean?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: FL

Complaint narrative:
I have attached two letters with accounts reporting inaccuracies and an FTC report with collections and inquiries which are fraudulent. Please delete and update my personal information

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 2022-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I am having difficulty with this company saying that I do not have hazard insurance. After my last complaint, they have changed the claim and said that I do not have flood insurance. Prior to this, the company had never asked me to get flood insurance. However, I did go out and purchase {>= $1,000,000} worth of flood insurance. The purpose of this complaint is to ensure that the company admits that I have bought this flood insurance and reanalyze my mortgage amount to reflect the removal of the forced placed flood insurance that I bought. 

I faxed in proof of this insurance on or around XX/XX/2022. In addition, I am uploading a copy of the declaration page and insurance material with the complaint. 

I file this complaint, as the executor of the estate of XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Incident occurred : XXXX XXXX of {$2000.00} Filed claim XXXX My personal account was closed and a chargeback have been issued on my account in the amount of {$2000.00}. The bank has closed my account and placed me in XXXX. 

My account has been targeted by fraud via debit card and I have told Bank of America this. They responded by informing me to trust them and that they will investigate and resolve the issue. They resolved it by reversing the credited account and closing when I refuse to pay for something I did not authorize nor do. I asked what did there investigation intel and they simply said someone couldnt possibly obtain your pin.

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 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2021, the Navy Federal Credit Union, XXXX, MD, accepted a check fraudulently drawn on my bank account at XXXX XXXX. The original check was signed by XXXX XXXX, my spouse/joint account owner, and made out to XXXX in the amount of {$34.00}. The check was altered, naming the payee as XXXX XXXX, with an amount of {$6800.00}. My wife 's signature was forged. Navy FCU stamped the back of the check with " XXXX. '' Upon discovering the forgery, my wife and I notified XXXX XXXX, produced affidavits, etc. So far, XXXX XXXX advises that we pursue relief from Navy FCU. Navy FCU has been aware of this fraud since at least XX/XX/2021, when they contacted me about it by automated voicemail. Despite my many attempts to contact Navy FCU about this, the FCU has refused to discuss it. It appears the NAVY FCU payed the check without adequately confirming the payee 's identity. If XXXX XXXX has or had an account, then FCU should have recovered the funds from him upon discovering the fraud. If XXXX XXXX was not a customer when the check was presented, Navy FCU should not have paid it. Another possibility is that a person other than XXXX XXXX presented the check. I would appreciate your assistance with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: TX

Complaint narrative:
I believe that I have been a victim of identity theft. Please removed the accounts in the attached dispute letter.

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 2022-11-30 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:
I believe that I have been a victim of identity theft. Please removed the accounts in the attached dispute letter.

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