vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite my repeated attempts to dispute and remove these fraudulent accounts, their persistence on your credit report is a source of immense irritation. The fact that other credit bureaus have taken corrective action and removed these accounts raises serious questions about the consistency and accuracy of your reporting practices. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The perplexing part of this situation is that other credit bureaus have managed to acknowledge and rectify the same fraudulent accounts, questioning the consistency and reliability of your reporting practices DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
I demand an immediate and thorough investigation into why these fraudulent accounts remain on your credit report when other bureaus have acknowledged their fraudulent nature and taken corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
MUTUAL MANAGEMENT SERVICES is falsely reporting on my credit. I have never had any accounts with them. Per my research MUTUAL MANAGEMENT SERVICES is a debt collector. They are falsely reporting to my credit! 

I AM A VICTIM OF IDENTITY THEFT, I HAVE NEVER STAYED THERE ... I ATTACHED A COPY OF MY FTC REPORT IN THE LAST COMPLAINT AND YOU IGNORED IT! 
I WILL BE CONTACTING THE ATTORNEY GENERAL IF THIS ACCOUNT IS NOT DELETED! 

ACCT # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these inquiries Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these fraudulent inquiries.Please help me delete these illegal inquiries from my credit reports. 


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 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 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 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 XXXX XXXX XXXX XXXX XXXX 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 2023-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to report concerning practices by EnerBank USA, encountered during a home improvement loan application process initiated on XX/XX/2023, in partnership with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX.

The application was initially marred by a website error at XXXX XXXX and XXXX, leading to an incorrect default selection about property ownership. Despite this, I diligently completed the application and complied with EnerBanks subsequent request for additional documentation to verify ownership of my property. 

In response to their verification process, I submitted multiple documents, including a warranty deed and a notarized letter from my closing attorney, both affirming my property ownership. EnerBank rejected these as insufficient and requested my complete closing disclosure. Concerned about privacy and potential identity fraud a past issue for me I provided a redacted version of the disclosure, excluding non-essential financial details such as loan amounts and interest rates. EnerBank, however, did not accept this and demanded the unredacted document.

Additionally, EnerBanks suggestion of using my property deed as collateral for a mere fencing loan was both alarming and disproportionate. This approach is not only impractical but raises questions about EnerBanks understanding of appropriate collateral for such loans. 

These experiences the rejection of legitimate documentation, insistence on extensive financial information, and inappropriate collateral demands highlight potential issues in EnerBanks application processes, customer privacy considerations, and data security.

I am seeking the CFPBs review and intervention in this matter to address these concerns with EnerBank. Their practices in this instance seem to deviate from reasonable standards of customer privacy, data security, and loan collateral requirements. 

I appreciate your attention to this matter and look forward to a solution that ensures the protection of consumer rights and the adherence to fair lending practices. 

Thank you for your consideration and assistance.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2023-12-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I contacted USAA bank on XX/XX/XXXX after realizing my XXXX account was hacked. Someone purchased a {$1200.00} tablet with overnight shipping using my account information. I made USAA aware of this transaction after I had already changed my XXXX credentials. I provided USAA with the tracking number for the delivery, and they subsequently issued me a provisional credit for the amount lost. I explained to them that XXXX had no public-facing contact information. The customer service number refers you to the website, which doesnt allow you to speak with virtual agents. On XX/XX/XXXX, USAA contacted me, saying they could not substantiate my claim and would reclaim the {$1200.00} on XX/XX/XXXX. I was provided the full address of where the tablet was delivered and subsequently provided this information to my local police department for investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a matter of utmost importance regarding the illegal sale and purchase of my information, resulting from my victimization in the Equifax data breach. 

I request the immediate deletion of the following items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached evidence confirming that Equifax has acknowledged my status as a victim of the mentioned data breach. Despite this acknowledgment, Equifax has taken no action to rectify the situation. 

Your assistance is urgently needed to expunge these illegitimate accounts from my credit reports.Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I have tried online and in person stores for my Amex gift card. Nothing has worked and I have been unable to use it anywhere. I've tried XXXX, XXXX, XXXX, gas stations, regular stores, restaurants, and more. I've called the number on the card and they tell me that it sometimes will work, sometimes it won't but be sure I'm using the correct numbers on the card. ( I am ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX **** Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$90.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX 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 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 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
Spring oak capital : XXXX XXXX is trying to suit me I was notified by a different lawyer in XXXX about the lawsuit against me havent got anything from the courthouse balance XXXX XX/XX/XXXX I when I heard about it. Due to me being in an auto accident in XXXX XXXX I was thinking I was able to go back to work in XXXX of XXXX so I opened up a line of credit with XXXX XXXX and I was paying on my account until XXXX XXXX when I had no more money I was off of work for 2 years because of the XXXX XXXXXXXX  I just went back to work XX/XX/XXXX for the Department of treasury I need help Im trying to get things back on track and my grandmother passed of XX/XX/XXXX of XXXX as well it hasnt been easy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Unjust Denial of Identity Theft Claim and Unreasonable Process by Chase Bank I am writing to express my deep dissatisfaction with the handling of my identity theft claim by Chase Bank. On XX/XX/XXXX, I discovered that my account was locked when my XXXX XXXX transaction was denied at a subway station due to fraudulent activity concerns. Despite confirming with a banker that the displayed transactions were legitimate, I later found 38 unauthorized charges totaling over {$9000.00}, all processed within a single day. These transactions, conducted by various XXXX XXXX recipients, ranged from {$33.00} to {$300.00}. 

Promptly on XX/XX/XXXX, I reported the fraudulent charges over the phone and was assured that I would not be held responsible for unauthorized transactions. However, when I followed up on XX/XX/XXXX, I was informed that the investigation was still ongoing. Shockingly, on XX/XX/XXXX, I visited the bank seeking information on the progress of my claim, only to be told that my claim was denied. The reason provided was that I had supposedly validated one of the transactions, a claim I vehemently dispute. 

My objections are as follows : Lack of Notification : Chase failed to inform me promptly when the case was closed and denied. According to the information I received, they claimed they were not obligated to notify me. This contradicts the assurance I received during my initial phone report that I would be kept informed of the investigation 's outcome. 

Unreasonable Requirement : The bank contends that if I validated even one of the 38 charges, I forfeited the right to reclaim my funds. I find this stance illogical and unjust, especially considering the circumstances. During my XXXX XXXX XXXX, I was sleep-deprived, making it highly unlikely that I intentionally validated fraudulent transactions. 

Ethical Concerns : At no point was I informed that my statements might be used against my claim. This is not a court proceeding ; it is a bank, and I was merely seeking access to my funds. Chase, in its commitment to protecting users from fraudulent charges, should align with its users and uphold the " Zero Liability : Get reimbursed for unauthorized debit card transactions when reported promptly '' policy as advertised on its website. 

Inconsistencies in Process : The claim, as per Chase 's website instructions, did not appear on the website or app, whether as an open or closed claim. This inconsistency raises questions about the transparency and reliability of the bank 's claims process. 

I request an immediate reevaluation of my case, considering the aforementioned circumstances. I trust that Chase will rectify this situation promptly, adhering to its commitment to protecting customers from unauthorized transactions. I also urge the bank to review and improve its claims process to ensure transparency and fair treatment of its customers. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
I would like you to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : 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 2023-12-22 00:00:00
Product: Credit reporting 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. 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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

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 XXXX XXXX **** Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$90.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/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